All Rates
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Loan Rates
Loan Rates
Credit Card
Type Term Annual Percentage Rate (APR) World Credit Card N/A 13.24% - 16.24% Select Credit Card N/A 11.40% - 18.00% Power Credit Card N/A 11.24% - 17.24% Core Credit Card N/A 15.00% Credit Limit: $300 - $40,000. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Auto/Vehicle Loans
Annual Percentage Rate (APR) Details 4.99%-13.74% New Auto Loans 5.24% to 18.00% Used Auto Loans 6.49% to 18.00% Motorcycle and Recreational Vehicles *The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on the member's credit history and the term of the loan. Not all members will qualify for the best or lowest rate. Lowest promotional APR based on credit worthiness and terms of 36 months or less. Loan to Value up to 115%. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Homeowners Advantage Loan Rates
Annual Percentage Rate (APR) Homeowners Advantage Loan 10.49% to 16.49% *APR = Annual Percentage Rate. The APR you receive for advances will be within the range disclosed above and is based on the member's credit history. Not all members will qualify for the best or lowest rate and the credit union will evaluate your credit history at the time of every advance. No Equity Required. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Home/Mortgage
Annual Percentage Rate (APR) Home/Mortgage Loans Various options available Please contact a Mortgage Loan Officer for details.
Home Equity Line of Credit
Type Term APR* Interest Only Payment | Loan to value is less than 80% N/A 4.75% - 9.25%** Interest Only Payment | Loan to value is greater than 80% N/A 5.25% - 8.25%** HELOC's adjust quarterly on Jan.1, April 1, July 1, and Oct. 1. Maximum adjustment of 1% per quarter. The maximum rate is 15.00%. *APR=Annual Percentage Rate. The ANNUAL PERCENTAGE RATE you receive will be based on credit worthiness and loan to value amount. Not all members will qualify for the best or lowest rate. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Auto-pay Advantage: A discount of 0.25% will be deducted from the above stated annual percentage rates when the payment is received automatically from a Fortera draft account. This discount is only available on new loan transactions with an effective date on or after the date of this addendum. The annual percentage rate will default back to the normal rate in the event the payment status or draft account status changes.
**Loan to Value Ratio (LTV): A ratio used by lenders to calculate the loan amount requested as a percentage of the value of a home. To determine the loan to value ratio, divide the loan amount by the home's value. The LTV ratio is used to determine what loan types the borrower qualifies for as well as the cost and fees associated with obtaining the loan.
Rapid Refi
Type Term APR* Fixed-Rate Rapid Refi | Loan to value is less than 80% 5 Years 2.99% - 4.99% Fixed-Rate Rapid Refi | Loan to value is less than 80% 10 Years 3.99% - 5.99% Fixed-Rate Rapid Refi | Loan to value is less than 80% 15 Years 4.49% - 6.74% The Annual Percentage Rate (APR) you receive will be based on creditworthiness, loan to value amount, and loan term. Not all members will qualify for the best or lowest rate. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Auto-pay Advantage: A discount of 0.25% will be deducted from the above stated annual percentage rates when the payment is received automatically from a Fortera draft account. This discount is only available on new loan transactions with an effective date on or after the date of this addendum. The annual percentage rate will default back to the normal rate in the event the payment status or draft account status changes.Closed-End Home Equity Loan
Type Term APR* Closed End Home Equity Loan | Loan to value is less than 80% 5 Year Term 3.74% - 8.74% Closed End Home Equity Loan | Loan to value is less than 80% 10 Year Term 5.49% - 9.99% Closed End Home Equity Loan | Loan to value is less than 80% 15 Year Term 5.99% - 8.74% Closed End Home Equity Loan | Loan to value is less than 80% 20 Year Term 6.74% - 7.74% The Annual Percentage Rate (APR) you receive will be based on creditworthiness, loan to value amount, and loan term. Not all members will qualify for the best or lowest rate. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Auto-pay Advantage: A discount of 0.25% will be deducted from the above stated annual percentage rates when the payment is received automatically from a Fortera draft account. This discount is only available on new loan transactions with an effective date on or after the date of this addendum. The annual percentage rate will default back to the normal rate in the event the payment status or draft account status changes. -
Savings Rates
Savings Rates
Full Circle Checking Rates
Type Dividend Rate APY* Minimum Balance to Earn Stated APY Dividends Compounded Dividend Credited Full Circle Checking | $0-$999.99 Tier N/A N/A $0.01 N/A N/A Full Circle Checking | $1,000+ Tier 0.100% 0.10% $1,000 Monthly Monthly *Full Circle Checking has a $7.50 Monthly Fee. The service fee for the Full Circle Checking Account cannot be avoided with a minimum balance. However, you can have the monthly fee refunded to your account by making 15 debit card transactions per month (excluding ATM transactions) or by having a Fortera loan (mortgages and credit cards are included).**
Restricted Transactions have a $10.00 Monthly Fee.
*APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Penalties will/may be imposed for early withdrawal on time accounts.
***We do not determine how merchants identify transactions, but reserve the right to determine which purchases qualify. PIN transactions do not qualify.Money Market and Premium Money Market
Type Dividend Rate APY* Balances Dividends Compounded Dividend Credited Money Market 0.200% 0.20% $2,500 - $9,999.99 Monthly Monthly Money Market 0.200% 0.20% $10,000 - $24,999.99 Monthly Monthly Money Market 0.399% 0.40% $25,000 - $49,999.99 Monthly Monthly Money Market 0.399% 0.40% $50,000 - $74,999.99 Monthly Monthly Money Market 0.499% 0.50% $75,000 - $99,999.99 Monthly Monthly Money Market 0.499% 0.50% $100,000+ Monthly Monthly Premium Money Market 0.200% 0.20% $0-$24,999.99 Monthly Monthly Premium Money Market 1.243% 1.25% $25,000 - $49,999.99 Monthly Monthly Premium Money Market 1.491% 1.50% $50,000 - $99,999.99 Monthly Monthly Premium Money Market 1.737% 1.75% $100,000+ Monthly Monthly *APY = Annual Percentage Yield. APY is accurate as of September 19, 2022.
The Money Market Account has a $12 monthly service fee and the Premium Money Market Account has a $25 monthly service fee.
The Money Market and Premium Money Market are tiered accounts. Dividend rates for a particular tier, as disclosed above, will apply to the entire account balance once the minimum daily balance reaches the balance range for that tier.
The fee cycle for all accounts subject to the minimum daily balance requirement begins on the first day of the month and ends on the last day of the month.
The minimum balance must be maintained in the account each day during the fee cycle to avoid the fee.Fees may reduce earnings on the account. Rate may change after account opening. Rate is accurate as of September 19, 2022.
Fixed Rate IRA Certificate Rates
Type Dividend Rate APY* Minimum Balance to Earn State APY Dividends Compounded 12 month 2.231% 2.25% $500.00 Quarterly 18 month 2.476% 2.50% $500.00 Quarterly 24 month 2.723% 2.75% $500.00 Quarterly 36 month 2.771% 2.80% $500.00 Quarterly 48 month 2.819% 2.85% $500.00 Quarterly 60 month 2.819% 2.85% $500.00 Quarterly *APY = Annual Percentage Yield. Early Withdrawal Penalty Fees could reduce earnings. Penalties will/may be imposed for early withdrawal on time accounts. No deposits allowed except at maturity or during the grace period.
Primary Savings
Type Dividend Rate APY* Minimum Balance to Earn Stated APY Dividends Compounded Dividends Credited Share Savings 0.100% 0.10% $50.00 Monthly Quarterly Spare Share Savings 0.50% 0.05% $50.00 Monthly Quarterly ChangeUp Savings Account / $0.00 to $2,000.00 Tier 1.491% 1.50% $0.01 Quarterly Quarterly ChangeUp Savings Account | $2,000.01 + Tier 0.150% 0.15% 2,000.01 Quarterly Quarterly *APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date.
Penalties will/may be imposed for early withdrawal on time accounts. Fees may reduce earnings on the account. Rate may change after account opening. Rate is accurate as of July 15, 2022.Fixed Rate Certificate Rates
Type Dividend Rate APY* Minimum Balance to Earn Stated APY Dividends Compounded 6 month 0.20% 0.20% $1000 Quarterly 12 month 2.231% 2.25% $1000 Quarterly 18 month 2.476% 2.50% $1000 Quarterly 24 month 2.723% 2.75% $1000 Quarterly 36 month 2.771% 2.80% $1000 Quarterly 48 month 2.819% 2.85% $1000 Quarterly 60 month 2.819% 2.85% $1000 Quarterly *APY = Annual Percentage Yield. Early Withdrawal Penalty Fees could reduce earnings. Penalties will/may be imposed for early withdrawal on time accounts. No additional deposits allowed except at maturity or during the grace period.
Cumulative IRA Share Rates
Type Dividend Rate APY* Minimum Balance to Earn Stated APY Dividends Compounded $5.00 - $9,999.99 0.100% 0.10% $5.00 Quarterly $10,000.00 - $24,999.99 0.150% 0.15% $10,000 Quarterly $25,000.00 - $49,999.99 0.150% 0.15% $25,000 Quarterly $50,000.00 - $74,999.99 0.200% 0.20% $50,000 Quarterly $75,000.00 - $99,999.99 0.200% 0.20% $75,000 Quarterly $100,000+ 0.200% 0.20% $100,000 Quarterly *APY = Annual Percentage Yield. Early Withdrawal Penalty Fees could reduce earnings. Penalties will/may be imposed for early withdrawal on time accounts. The Cumulative IRA is a tiered account. Dividend rates for a particular tier, as disclosed above, will apply to the entire account balance once the minimum daily balance reaches the balance range for that tier.
Access, Choice, and Smart Start Certificate Rates
Type Dividend Rate APY* Minimum Balance to Earn Stated APY Dividends Compounded Dividends Credited Access Certificate / 12 Months 0.947% 0.95% $25.00 Quarterly Quarterly Choice Certificate / 36 month / New Money Only 1.245% 1.25% $1,000.00 Quarterly Quarterly Choice Certificate / 60 Month / New Money Only 1.491% 1.50% $1,000.00 Quarterly Quarterly Smart Start Variable Rate Certificate / 24 months 1.143% 1.15% $100.00 Quarterly Quarterly *APY = Annual Percentage Yield. Early Withdrawal Penalty Fees could reduce earnings. Penalties will/may be imposed for early withdrawal on time accounts.
Access Certificate - Additional deposits allowed during the term, $5 minimum. One penalty-free withdrawal is allowed during the term.
Smart Start Variable Certificate - Additional deposits allowed during the term, $5 minimum. The dividend rate & APY are subject to change during the term.
Choice Certificate 36 Month - One bump rate allowed after the first 12 months and additional new money deposit allowed at the time of bumping minimum deposit of $1000.00.
Choice Certificate 60 Month - Two bump rates allowed after the first 12 months and additional new money deposit allowed at the time of bumping minimum deposit of $1000.00.Youth Savings
Type Dividend Rate APY* Minimum Balance to Earn Stated APY Dividends Compounded Dividend Credited Sprout Share Savings 0.100% 0.10% $25 Monthly Quarterly Flex Share Savings 0.100% 0.10% $25 Monthly Quarterly *APY=Annual Percentage Yield. Dividend Rate and Annual Percentage Yield may change at any time in the discretion of the Credit Union. Early Withdrawal Penalty Fees could reduce earnings. Penalties will/may be imposed for early withdrawal on time accounts.