Rates as of 12/1/2019
Checking
Type | Dividend Rate | APY1 | Minimum Balance Required to earn APY | Minimum to open |
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1APY = Annual Percentage Yield. Rates are subject to change after account opening.
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Checking2,3 | 0.01% | 0.01% | $2500.00 | $0.00 |
Rates as of 12/1/2019
Savings
TYPE | DIVIDEND RATE | APY1 | MINIMUM BALANCE REQUIRED TO EARN APY | MINIMUM TO OPEN |
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1APY = Annual Percentage Yield. Rates are subject to change after account opening. |
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Prime Share Savings | 0.06% | 0.06% | $100.00 | $5.00 |
Change Up Savings | 0.51% | 0.51% | $0.00 | $0.00 |
Christmas Club | 0.06% | 0.06% | $100.00 | $0.00 |
Vacation Club | 0.06% | 0.06% | $100.00 | $0.00 |
Summer Pay | 0.06% | 0.06% | $100.00 | $0.00 |
Saver’s Sweepstakes7 | 0.20% | 0.20% | $0.00 | $0.00 |
Health Savings Account4 | 0.76% | 0.76% | $100.00 | $0.00 |
High Yield Money Market Account
Dividend Rate | APY1 | Minimum Balance Required to earn APY2 |
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1APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). Rates are subject to change after account opening. |
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0.06% | 0.06% | <$2,500 |
0.08% | 0.08% | $2,500 |
0.11% | 0.11% | $10,000 |
0.14% | 0.14% | $25,000 |
0.19% | 0.19% | $50,000 |
Share Certificates
TYPE | DIVIDEND RATE | APY1 | MINIMUM BALANCE REQUIRED TO EARN APY |
---|---|---|---|
Rates are for new shares only and require $500 minimum. A penalty applies for early withdrawal and other restrictions may apply. 1APY = Annual Percentage Yield. Rates are subject to change. Penalties apply for early withdrawals, which may reduce earnings. **The Share Certificate Special is not for IRA accounts and the rate cannot be increased using Points for Perks. No other offers apply to increase the rate on this special. Change of Terms Notice: Effective 12/1/11, the early withdrawal penalty for new or renewed share certificates will be 90 days interest for terms of one year or less and 180 days for all terms over one year. Effective 8/1/14 for new Share Certificates, early withdrawal penalty will be the lesser of dividends earned to date OR the amount of dividends that would be earned during 25% of the share certificate’s term, measured in days. |
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91 Day | 0.409% | 0.41% | $500 |
182 Day | 0.509% | 0.51% | $500 |
275 Day (Add-on) | 0.609% | 0.61% | $500 |
1 Year | 0.758% | 0.76% | $500 |
18 Month | 0.957% | 0.96% | $500 |
2 Year | 1.254% | 1.26% | $500 |
30 Month (Add-on) | 1.403% | 1.41% | $500 |
3 Year | 1.670% | 1.68% | $500 |
4 Year | 1.916% | 1.93% | $500 |
5 Year | 2.241% | 2.26% | $500 |
Premium Money Market Accounts (regular and IRA accounts)
DIVIDEND RATE | APY1 | MINIMUM BALANCE REQUIRED TO EARN APY2 |
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1APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $10,000 to $99,999.99 will have a dividend rate of 0.439%). Rates are subject to change after the account is opened. |
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0.439% | 0.44% | $10,000 |
0.876% | 0.88% | $100,000 |
1.302% | 1.31% | $250,000 |
Rates as of 12/1/2019
Credit Cards
APR1 | PAYMENT PER $1000 | CARD TYPE |
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1APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed. 2Visa® Signature Card rate is variable based on the prime rate (4.75% as of 11/1/19) + 7, 8, 10 or 14%. Rates are subject to change and are subject to credit approval. *Rate depending on credit worthiness. Rates start at 7.9% then move to 8.9%, 11.9% and 17.9%. |
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7.90%* | $20.00 | Visa® Platinum Card |
Starting at 11.75% | $25.00 | Visa® Signature Card2 - 1.5% Cash Back |
Rates as of 12/1/2019. $5,000 new money required for loan rewrites
Auto Loans
TYPE | APR1AS LOW AS | PAYMENT PER $1000 (AS LOW AS) | VEHICLE YEAR |
---|---|---|---|
1APR = Annual Percentage Rate. Financing up to 105% of approx. retail value. Rates and payments are based on a 36-month term. Loan rate is based on term, credit score, as well as credit tiers. Qualify for the lowest rate with credit score of 680 or above. Rates are subject to change.*Other secured loans will be based off the Used Vehicle rate tier. |
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New | 3.45% | $29.29 | 2018-2020 |
Used* | 3.45% | $29.29 | 2010-2017 |
Older | 6.70% | $30.76 | 2004-2009 |
Mortgage Rates 12/11/19 | 30-day rate lock expires 1/10/20
Mortgage Loans
Term | Rate | APR1 | Payment per $1000 |
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1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. 3 Max loan amount $453,100 Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. Subject to underwriting approval. |
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30-Year Fixed | 3.750% | 3.794% | $4.76 |
20-Year Fixed | 3.500% | 3.560% | $5.92 |
15-Year Fixed | 3.125% | 3.199% | $7.03 |
10-Year Fixed | 3.000% | 3.106% | $9.60 |
Adjustable Rate Mortgages (ARMs)
TERM | RATE | APR1 | PAYMENT PER $1000 |
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1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. 2/1 ARM means that the first two years have a locked APR set at closing. The rate can then change by 1% after the first two years and every year after. The rate cannot increase more than 8% during the life of the loan. 5/1 ARM means that the first five years have a locked APR set at closing. The rate can then change by 1% after the first five years and every year after. The rate cannot increase more than 8% during the life of the loan. Closing cost $1,200. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. *Investment Properties have a rate of (rate + 1%) and have a closing cost of $1,500. |
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2/1 | 3.000% | 3.180% | $4.21 |
5/1* | 3.125% | 3.290% | $4.42 |
ECU Special – 10-Year Fixed Refinance
Term | Rate | APR1 | Payment Per $1000 |
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Closing Costs = $161.00 1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Subject to underwriting approval. Loan amounts under $100,000 at 80 percent LTV closing cost: $161. |
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10-Year | 3.000% | 3.010% | $9.60 |
First-Time Homebuyer Programs
TERM | RATE | APR1 | PAYMENT PER $1000 |
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90% LTV with maximum second mortgage 7% LTV Minimum Credit Score 660+ 1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. Subject to underwriting approval. |
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5/5 ARM2 | 3.625% | 3.625% | $4.99 |
Second Mortgage3 | 5.375% | 5.375% | $8.10 |
Community Heroes Home Loans
5/5 ARM | Rate (0.000 PTS) | APR1 | Cost Per $1000 |
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99% LTV. 30-Year amortization. Minimum Credit Score 740+. Occupation and other restrictions apply. No closing costs. Subject to underwriting approval. 1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. |
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1% Down Payment | 3.500% | 3.500% | $4.49 |
Construction Loans
TERM | RATE | APR1 | PAYMENT PER $1000 |
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1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Subject to underwriting approval. |
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5/1 ARM2 | 3.250% | 3.500% | $4.42 |
Fixed-Rate3 | 3.750% | 3.881% | $4.77 |
Lot Loans
Term | Rate | APR1 | Payment Per $1000 |
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1APR = Annual Percentage Rate. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. Subject to underwriting approval. |
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2-year ARM2 | 3.00% | 3.180% | $6.90 |
Home Equity Loans
Loan to Value | APR1 as low as | Payment Per $1000 (AS LOW AS) |
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1APR = Annual Percentage Rate. LTV = Loan to Value. Rates are subject to change. Subject to underwriting approval. Over 90% LTV requires appraisal. |
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80% or less | as low as 4.40% | $18.61 |
81%-90% | as low as 5.65% | $19.18 |
91%-100% | as low as 7.15% | $19.89 |
Home Equity Lines of Credit (HELOCs)
Loan to Value | APR1 |
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1APR = Annual Percentage Rate. Subject to underwriting approval. Payments are 1.5 percent of the balance or $50 whichever is greater. Rates and terms are subject to change and not guaranteed. When Your Home is on the Line: What you should know about Home Equity Lines of Credit |
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<80% LTV2 | 4.24% prime – .51%) |
81%-90% LTV2 | 5.74% (prime + .99%) |
91%-100% LTV2 | 6.74% (prime + 1.99%) |
Rates as of 12/1/2019
Other Loan Rates
APR1 AS LOW AS | PMT PER $1000 | PURPOSE | MAXIMUM TERM |
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1APR = Annual Percentage Rate. Share Savings Secured Rate is 3% above the current Savings Rate. Rates and terms are subject to change and not guaranteed. |
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3.06% | $18.00 | Share Savings Secured | 5 Years |
3% over Share Certificate rate | Share Certificate Secured | Certificate term | |
as low as 3-month LIBOR +1.24% | as low as $5.17 | LendKey Consolidation Loan | 20 Years |
as low as 3 month LIBOR +3.39% | as low as $7.59 | LendKey In-School Loan | 15 Years |
Rate as low as 3.95% | as low as $17.95 | Other Secured Loan | 5 Years |
Rate as low as 8.90% | as low as $20.71 | Personal Loan | 5 Years |
19.90% | $37.10 | Credit Rebuilder Loan ($2,000 max.) | 1-3 Years |
19.90% | $176.37 | Rapid Relief | 6 Mo. |
Rates as of 12/1/2019
IRA High Yield Money Market Account
Dividend Rate | APY1 | Minimum Balance Required to Earn APY2 |
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1APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $2,500 to $9,999 will have a rate of 0.08% APY). Rates are subject to change after the account is opened. |
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0.06% | 0.06% | <$2,500 |
0.08% | 0.08% | $2,500 |
0.11% | 0.11% | $10,000 |
0.14% | 0.14% | $25,000 |
0.19% | 0.19% | $50,000 |
Premium Money Market Accounts (regular and IRA accounts)
DIVIDEND RATE | APY1 | MINIMUM BALANCE REQUIRED TO EARN APY2 |
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1APY = Annual Percentage Yield. Rates will not change until the next tier is reached (ex. balance of $10,000 to $99,999.99 will have a dividend rate of 0.439%). Rates are subject to change after the account is opened. |
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0.439% | 0.44% | $10,000 |
0.876% | 0.88% | $100,000 |
1.302% | 1.31% | $250,000 |
IRA Share Certificates
TYPE | DIVIDEND RATE | APY1 | MINIMUM BALANCE REQUIRED TO EARN APY |
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Rates are for new shares only and require $500 minimum. A penalty applies for early withdrawal and other restrictions may apply. 1APY = Annual Percentage Yield. Rates are subject to change after the account is opened. Penalties apply for early withdrawals, which may reduce earnings. Change of Terms Notice: Effective 12/1/11, the early withdrawal penalty for new or renewed share certificates will be 90 days interest for terms of one year or less and 180 days for all terms over one year. Effective 8/1/14 for new Share Certificates, early withdrawal penalty will be the lesser of dividends earned to date OR the amount of dividends that would be earned during 25% of the share certificate’s term, measured in days. |
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91 DAY | 0.409% | 0.41% | $500 |
182 Day | 0.509% | 0.51% | $500 |
275 Day (Add-on) | 0.609% | 0.61% | $500 |
1 Year | 0.758% | 0.761% | $500 |
18 Month | 0.957% | 0.96% | $500 |
2 Year | 1.254% | 1.26% | $500 |
30 Month | 1.403% | 1.41% | $500 |
3 Year | 1.670% | 1.68% | $500 |
4 Year | 1.916% | 1.93% | $500 |
5 Year | 2.241% | 2.26% | $500 |
Traditional IRA, Roth IRA, and ESA Rates
Contact our Investment Services1 team for information regarding rates for Traditional IRAs, Roth IRAs, and the Coverdell ESA. 1Educators Investment Services Advisors are registered representatives of CUNA Brokerage Services, Inc. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America. |