Rates as of 4/1/2021
Checking
Type | Dividend Rate | APY1 | Minimum Balance Required to earn APY | Minimum to open |
---|---|---|---|---|
1APY = Annual Percentage Yield. Rates are subject to change after account opening.
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Type
Checking2,3 |
Dividend Rate
0.01% |
APY1
0.01% |
Minimum Balance Required to earn APY
$2500.00 |
Minimum to open
$0.00 |
Rates as of 4/1/2021
Savings
TYPE | DIVIDEND RATE | APY1 | MINIMUM BALANCE REQUIRED TO EARN APY | MINIMUM TO OPEN |
---|---|---|---|---|
1APY = Annual Percentage Yield. Rates are subject to change after account opening. Member may be subject to $2 monthly service fee if receiving paper statements. Member may opt-in to eStatements to have fee waived. Fees could reduce earnings on the account. |
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TYPE
Prime Share Savings |
DIVIDEND RATE
0.06% |
APY1
0.06% |
MINIMUM BALANCE REQUIRED TO EARN APY
$100.00 |
MINIMUM TO OPEN
$5.00
|
TYPE
Change Up Savings |
DIVIDEND RATE
0.51% |
APY1
0.51% |
MINIMUM BALANCE REQUIRED TO EARN APY
$0.00 |
MINIMUM TO OPEN
$0.00 |
TYPE
Christmas Club |
DIVIDEND RATE
0.06% |
APY1
0.06% |
MINIMUM BALANCE REQUIRED TO EARN APY
$100.00 |
MINIMUM TO OPEN
$0.00 |
TYPE
Vacation Club |
DIVIDEND RATE
0.06% |
APY1
0.06% |
MINIMUM BALANCE REQUIRED TO EARN APY
$100.00 |
MINIMUM TO OPEN
$0.00 |
TYPE
Summer Pay |
DIVIDEND RATE
0.06% |
APY1
0.06% |
MINIMUM BALANCE REQUIRED TO EARN APY
$100.00 |
MINIMUM TO OPEN
$0.00 |
TYPE
Saver’s Sweepstakes3 |
DIVIDEND RATE
0.20% |
APY1
0.20% |
MINIMUM BALANCE REQUIRED TO EARN APY
$0.00 |
MINIMUM TO OPEN
$0.00 |
TYPE
Health Savings Account2 |
DIVIDEND RATE
0.76% |
APY1
0.76% |
MINIMUM BALANCE REQUIRED TO EARN APY
$100.00 |
MINIMUM TO OPEN
$0.00 |
High Yield Money Market Account
Dividend Rate | APY1 | Minimum Balance Required to earn APY2 |
---|---|---|
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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Dividend Rate
0.06% |
APY1
0.06% |
Minimum Balance Required to earn APY2
<$2,500 |
Dividend Rate
0.08% |
APY1
0.08% |
Minimum Balance Required to earn APY2
$2,500 |
Dividend Rate
0.11% |
APY1
0.11% |
Minimum Balance Required to earn APY2
$10,000 |
Dividend Rate
0.14% |
APY1
0.14% |
Minimum Balance Required to earn APY2
$25,000 |
Dividend Rate
0.19% |
APY1
0.19% |
Minimum Balance Required to earn APY2
$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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TYPE
91 Day |
DIVIDEND RATE
0.200% |
APY1
0.20% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
182 Day |
DIVIDEND RATE
0.300% |
APY1
0.30% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
275 Day (Add-on) |
DIVIDEND RATE
0.350% |
APY1
0.35% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
1 Year |
DIVIDEND RATE
0.399% |
APY1
0.40% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
18 Month |
DIVIDEND RATE
0.499% |
APY1
0.50% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
2 Year |
DIVIDEND RATE
0.599% |
APY1
0.60% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
30 Month (Add-on) |
DIVIDEND RATE
0.648% |
APY1
0.65% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
3 Year |
DIVIDEND RATE
0.748% |
APY1
0.75% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
4 Year |
DIVIDEND RATE
0.847% |
APY1
0.85% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
5 Year |
DIVIDEND RATE
0.996% |
APY1
1.00% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
Premium Money Market Accounts (regular and IRA accounts)
DIVIDEND RATE | APY1 | MINIMUM BALANCE REQUIRED TO EARN APY2 |
---|---|---|
1APY = Annual Percentage Yield. Rates will not change until the next tier is reached. Rates are subject to change after the account is opened. |
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DIVIDEND RATE
0.060% |
APY1
0.06% |
MINIMUM BALANCE REQUIRED TO EARN APY2
$10,000 |
DIVIDEND RATE
0.130% |
APY1
0.13% |
MINIMUM BALANCE REQUIRED TO EARN APY2
$100,000 |
DIVIDEND RATE
0.190% |
APY1
0.19% |
MINIMUM BALANCE REQUIRED TO EARN APY2
$250,000 |
Rates as of 4/1/2021
Credit Cards
APR1 | PAYMENT PER $1000 | CARD TYPE |
---|---|---|
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 (3.25% as of 4/1/20) + 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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APR1
7.90%* |
PAYMENT PER $1000
$20.00 |
CARD TYPE
Visa® Platinum Card |
APR1
Starting at 10.25% |
PAYMENT PER $1000
$25.00 |
CARD TYPE
Visa® Signature Card2 - 1.5% Cash Back |
Rates as of 4/13/2021. $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 670 or above. Rates are subject to change.*Other secured loans will be based off the Used Vehicle rate tier. |
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TYPE
New |
APR1AS LOW AS
2.20% |
PAYMENT PER $1000 (AS LOW AS)
$28.74 |
VEHICLE YEAR
2020-2022 |
TYPE
Used* |
APR1AS LOW AS
2.45% |
PAYMENT PER $1000 (AS LOW AS)
$28.84 |
VEHICLE YEAR
2012-2019 |
TYPE
Older |
APR1AS LOW AS
6.20% |
PAYMENT PER $1000 (AS LOW AS)
$30.52 |
VEHICLE YEAR
2006-2011 |
Business Savings Rates
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Mortgage Rates 4/22/21 | 30-day rate lock expires 5/24/2021
Mortgage Loans
Term | Rate | APR1 | Payment per $1000 |
---|---|---|---|
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 $548,250 Closing cost $1,500. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges. 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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Term
30-Year Fixed |
Rate
3.125% |
APR1
3.175% |
Payment per $1000
$4.29 |
Term
20-Year Fixed |
Rate
3.000% |
APR1
3.070% |
Payment per $1000
$5.55 |
Term
15-Year Fixed |
Rate
2.625% |
APR1
2.715% |
Payment per $1000
$6.73 |
Term
10-Year Fixed
|
Rate
2.500% |
APR1
2.632% |
Payment per $1000
$9.43 |
Adjustable Rate Mortgages (ARMs)
TERM | RATE | APR1 | PAYMENT PER $1000 |
---|---|---|---|
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 $1,500. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater. Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges. *Investment Properties have a rate of (rate + 1%) and have a closing cost of $1,800. |
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TERM
2/1 |
RATE
2.875% |
APR1
3.334% |
PAYMENT PER $1000
$4.16 |
TERM
5/1* |
RATE
3.000% |
APR1
3.279% |
PAYMENT PER $1000
$4.22 |
ECU Special – 10-Year Fixed Refinance
Term | Rate | APR1 | Payment Per $1000 |
---|---|---|---|
Closing Costs = $500.00 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. Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges. |
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Term
10-Year |
Rate
2.500% |
APR1
2.604% |
Payment Per $1000
$9.43 |
First-Time Homebuyer Programs
TERM | RATE | APR1 | PAYMENT PER $1000 |
---|---|---|---|
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. 2With 30 year amortization. 5/5 ARM means that the first five years have a locked APR set at closing. The rate can then change by 2% after the first five years and every five years after. The rate cannot increase more than 8% during the life of the loan. 3As a 15 year fixed based off $10,000 loan amount. Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges. 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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TERM
5/5 ARM2 |
RATE
3.500% |
APR1
3.500% |
PAYMENT PER $1000
$4.50 |
TERM
Second Mortgage3 |
RATE
5.375% |
APR1
5.375% |
PAYMENT PER $1000
$8.10 |
Community Heroes Home Loans
5/5 ARM | Rate (0.000 PTS) | APR1 | Cost Per $1000 |
---|---|---|---|
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. Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges. |
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5/5 ARM
1% Down Payment |
Rate (0.000 PTS)
3.375% |
APR1
3.375% |
Cost Per $1000
$4.43 |
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. Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges. |
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TERM
5/1 ARM2 |
RATE
2.875% |
APR1
3.030% |
PAYMENT PER $1000
$4.15 |
TERM
Fixed-Rate3 |
RATE
3.000% |
APR1
3.076% |
PAYMENT PER $1000
$4.22 |
Lot Loans
Term | Rate | APR1 | Payment Per $1000 |
---|---|---|---|
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. Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges. |
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Term
2-year ARM2 |
Rate
2.875% |
APR1
3.305% |
Payment Per $1000
$6.85 |
Home Equity Loans
Loan to Value | APR1 as low as | Payment Per $1000 (AS LOW AS) |
---|---|---|
1APR = Annual Percentage Rate. LTV = Loan to Value. Rates are subject to change. Subject to underwriting approval. Over 90% LTV requires appraisal. Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges. |
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Loan to Value
80% or less |
APR1 as low as
as low as 3.40% |
Payment Per $1000 (AS LOW AS)
$18.15 |
Loan to Value
81%-90% |
APR1 as low as
as low as 5.65% |
Payment Per $1000 (AS LOW AS)
$19.18 |
Loan to Value
91%-100% |
APR1 as low as
as low as 7.15% |
Payment Per $1000 (AS LOW AS)
$19.89 |
Home Equity Lines of Credit (HELOCs)
Loan to Value | APR1 |
---|---|
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 Interest on a home that is greater than the fair market value of the home is not tax-deductible for federal income tax purposes. Please consult a tax advisor regarding the tax deductibility of interest and charges. |
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Loan to Value
<80% LTV2 |
APR1
3.49% (prime + 0.24%) |
Loan to Value
81%-90% LTV2 |
APR1
4.99% (prime + 1.74%) |
Loan to Value
91%-100% LTV2 |
APR1
5.99% (prime + 2.74%) |
Rates as of 4/1/2021
Other Loan Rates
APR1 AS LOW AS | PMT PER $1000 | PURPOSE | MAXIMUM TERM |
---|---|---|---|
APR = 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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APR1 AS LOW AS
3.06% |
PMT PER $1000
$18.00 |
PURPOSE
Share Savings Secured |
MAXIMUM TERM
5 Years |
APR1 AS LOW AS
3% over Share Certificate rate |
PMT PER $1000
|
PURPOSE
Share Certificate Secured |
MAXIMUM TERM
Certificate term |
APR1 AS LOW AS
as low as 6.0% |
PMT PER $1000
as low as $8.45 |
PURPOSE
LendKey In-School Loan |
MAXIMUM TERM
15 Years |
APR1 AS LOW AS
Rate as low as 3.95% |
PMT PER $1000
as low as $17.95 |
PURPOSE
Other Secured Loan |
MAXIMUM TERM
5 Years |
APR1 AS LOW AS
Rate as low as 8.90% |
PMT PER $1000
as low as $20.71 |
PURPOSE
Personal Loan |
MAXIMUM TERM
5 Years |
APR1 AS LOW AS
19.90% |
PMT PER $1000
$37.10 |
PURPOSE
Credit Rebuilder Loan ($2,000 max.) |
MAXIMUM TERM
1-3 Years |
APR1 AS LOW AS
19.90% |
PMT PER $1000
$176.37 |
PURPOSE
Rapid Relief |
MAXIMUM TERM
6 Mo. |
Rates as of 4/1/2021
IRA High Yield Money Market Account
Dividend Rate | APY1 | Minimum Balance Required to Earn APY2 |
---|---|---|
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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Dividend Rate
0.06% |
APY1
0.06% |
Minimum Balance Required to Earn APY2
<$2,500 |
Dividend Rate
0.08% |
APY1
0.08% |
Minimum Balance Required to Earn APY2
$2,500 |
Dividend Rate
0.11% |
APY1
0.11% |
Minimum Balance Required to Earn APY2
$10,000 |
Dividend Rate
0.14% |
APY1
0.14% |
Minimum Balance Required to Earn APY2
$25,000 |
Dividend Rate
0.19% |
APY1
0.19% |
Minimum Balance Required to Earn APY2
$50,000 |
Premium Money Market Accounts (regular and IRA accounts)
DIVIDEND RATE | APY1 | MINIMUM BALANCE REQUIRED TO EARN APY2 |
---|---|---|
1APY = Annual Percentage Yield. Rates will not change until the next tier is reached. Rates are subject to change after the account is opened. |
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DIVIDEND RATE
0.060% |
APY1
0.06% |
MINIMUM BALANCE REQUIRED TO EARN APY2
$10,000 |
DIVIDEND RATE
0.130% |
APY1
0.13% |
MINIMUM BALANCE REQUIRED TO EARN APY2
$100,000 |
DIVIDEND RATE
0.190% |
APY1
0.19% |
MINIMUM BALANCE REQUIRED TO EARN APY2
$250,000 |
IRA 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 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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TYPE
91 DAY |
DIVIDEND RATE
0.200%` |
APY1
0.20% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
182 Day |
DIVIDEND RATE
0.300% |
APY1
0.30% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
275 Day (Add-on) |
DIVIDEND RATE
0.350% |
APY1
0.35% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
1 Year |
DIVIDEND RATE
0.399% |
APY1
0.40% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
18 Month |
DIVIDEND RATE
0.499% |
APY1
0.50% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
2 Year |
DIVIDEND RATE
0.599% |
APY1
0.60% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
30 Month |
DIVIDEND RATE
0.648% |
APY1
0.65% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
3 Year |
DIVIDEND RATE
0.748% |
APY1
0.75% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
4 Year |
DIVIDEND RATE
0.847% |
APY1
0.85% |
MINIMUM BALANCE REQUIRED TO EARN APY
$500 |
TYPE
5 Year |
DIVIDEND RATE
0.996% |
APY1
1.00% |
MINIMUM BALANCE REQUIRED TO EARN APY
$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. |