Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Loan APRs as well as IRA/CD APYs are accurate as of January 7th, 2020.

Savings/Checking/Money Market APY is accurate as of last dividend date.

Rates subject to change after account opening.

Savings/Checking Rates

Accounts Rate APY Minimum Opening Deposit
Savings Account 0.100% 0.100% $25
Youth Accounts 0.100% 0.100% $25
Checking (Basic, CheckMax, CheckMax Plus) 0.00% 0.00% No Minimum Deposit Required
Business Checking 0.00% 0.00% No Minimum Deposit Required
Christmas Club 0.100% 0.100% No Minimum Deposit Required
Vacation Club 0.100% 0.100% No Minimum Deposit Required

IRA/CD Rates

Type/Term Minimum Opening Deposit Rate APY Penalty for Early Withdrawal
Base IRA (Primary, Education, Roth) $500 0.100% 0.100% N/A
3 Month CD * $500 0.351% 0.350% 90 Days
6 Month CD** $500 0.803% 0.800% 90 Days
12 Month CD $500 1.106% 1.100% 180 Days
18 Month CD $500 1.106% 1.100% 180 Days
24 Month CD $500 1.157% 1.150% 180 Days
30 Month CD $500 1.258% 1.250% 180 Days
36 Month CD $500 1.369% 1.360% 180 Days
48 Month CD $500 1.420% 1.410% 365 Days 
60 Month CD $500  1.521%  1.510%  365 Days

Minimum Deposit = $500.00. A penalty will or may be imposed for early withdrawals. *3 month CD not eligible for IRAs.** 6 month CD not eligible for Roth and Education IRAs.

Money Market Accounts Learn More

Balance Rate APY
$2,500 - $9,999.99 0.100% 0.100%
$10,000 - $24,999.99 0.130% 0.130%
$25,000 - $99,999.99 0.180% 0.180%
$100,000+ 0.220% 0.220%

Autos, Trucks and Motorcycles Learn More

Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).

Loan Type/Term 24 Months 25-36 Months 37-54 Months 55-66 Months 67-78 Months 79-84 Months 85-96 Months
$40,000 Min.
New Auto, Trucks, Vans, Motorcycles (New 2020; New untitled 2019) 3.00%
$42.98		 3.00%
$41.32 - $29.09		 3.25%
$28.45 - $19.94		 3.50%
$19.71 - $16.68		 3.75%
$16.57 - $14.47		 4.00%
$14.42 - $12.89		 4.25%
$12.88 - $11.34
Used Auto, Trucks, Vans, Motorcycles (2020-2016) 3.00%
$42.98		 3.00%
$41.32- $28.09		 3.25%
$28.45 - $19.94		 3.50%
$19.71 - $16.68		 4.00%
$16.68 - $14.59		 4.25%
$14.54 - $13.00		 N/A
Used Auto, Trucks, Vans, Motorcycles (2015-2013) 3.25%
$43.10		 3.50%
$41.54 - $29.31		 3.75%
$28.67 - $20.16		 4.25%
$20.05 - $17.02		 N/A N/A N/A
Used Auto, Trucks, Vans, Motorcycles (2012-2010) 3.75%
$43.32		 4.00%
$41.76 - $29.53		 4.25%
$28.89 - $20.38		 4.75%
$20.27 - $17.25		 N/A N/A N/A
Used Auto, Trucks, Vans, Motorcycles (2009) 4.75%
$43.76		 5.00%
$42.21 - $29.98		 5.25%
$29.34 - $20.84		 N/A N/A N/A N/A
Used Auto, Trucks, Vans, Motorcycles (2008 and older) 5.25%
$43.99		 5.75%
$42.54 - $30.31		 N/A N/A N/A N/A N/A 
Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown under rates are based on every $1000 borrowed and the minimum term and maximum term within each term range.

Recreational Vehicles (Boats, Motor Homes, 5th Wheels, Travel Trailers, Campers)Learn More

Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).

Loan Type/Term

25-36 Months

37-54 Months

55-66 Months

67-78 Months

79-90 Months

91-126 Months
$40,000
Min, or A/A + Credit and LTV <= 80%

127-180 Months
$60,000 Min, Maximum LTV 100%

181-246 Months
$80,000 Min, Maximum LTV 100%

New Recreational
Vehicles
(New 2020;
New untitled
2019)

3.50%
$41.54 - $29.31

3.75%
$28.67 - $20.16

4.00%
$19.93 - $16.91

4.25%
$16.80 - $14.70

4.50%
$14.65 - $13.12

5.00%
$13.35 - $10.22

5.25%
$10.29 - $7.87

5.50%
$7.98 - $6.79

Used Recreational
Vehicles
(2020-2016)

3.50%
$41.54- $29.31

3.75%
$28.67 - $20.16

4.25%
$20.05 - $17.02

4.50%
$16.91 - $14.82

4.75%
$14.77 - $13.24

5.25%
$13.35 - $10.35

5.50%
$10.41 - $8.01

5.75%
$8.12 - $6.94

Used Recreational
Vehicles
(2015-2013)

4.00%
$41.76- $29.53

4.25%
$28.89 - $20.38

4.75%
$20.27 - $17.25

5.00%
$17.14 - $15.05

5.25%
$15.00 - $13.47

5.75%
$13.71 - $10.60

6.00%
$10.66 - $8.28

6.25%
$8.39 - $7.23

Used Recreational
Vehicles
(2012-2010)

4.25%
$41.87 - $29.64

4.50%
$29.00 - $20.50

4.75%
$20.27 - $17.25

5.00%
$17.14 - $15.05

5.25%
$15.00 - $13.47

6.00%
$13.87 - $10.72

6.50%
$10.92 - $8.55

7.00%
$8.81 - $7.67

Used Recreational
Vehicles
(2009)

4.50%
$41.98 - $29.74

4.75%
$29.11 - $20.61

5.00%
$20.39 - $17.37

5.25%
$17.26 - $15.17

5.75%
$15.24 - $13.71

6.50%
$13.95 - $10.98

6.75%
$11.05 - $8.69

7.00%
$8.81 - $7.67

Used Recreational
Vehicles
(2008 and older)

4.75%
$42.09 - $29.86

5.00%
$29.22 - $20.72

5.25%
$20.50 - $17.48

5.50%
$17.37 - $15.28

6.25%
$15.48 - $13.95

6.75%
$14.08 - $11.11

7.00%
$11.18 - $8.83

7.50%
$9.09 - $7.98

 

Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown under rates are based on every $1000 borrowed and the minimum term and maximum term within each term range. Additional terms available.

Off Road RVs, Snowmobiles and Jet SkisLearn More

Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).

Loan Type/Term 24 Months 36 Months 48 Months 60 Months
New Snowmobile, Off-Road RV, Jet Ski
New 2020; New untitled 2019		 5.50%
$44.11		 6.00%
$30.43		 6.50%
$23.73		 7.00%
$19.82
Used Snowmobile, Off-Road RV, Jet Ski
Used 2020-2011		 6.00%
$44.33		 6.50%
$30.65		 7.00%
$23.96		 N/A
Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown under rates are based on every $1000 borrowed and the minimum term and maximum term within each term range.

Computer and other Durable Goods

Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).

Loan Type/Term 24 Months 36 Months 48 Months
Computer and other Durable Goods 7.00%
$44.79		 8.00%
$31.35		 9.00%
$24.90
Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown under rates are based on every $1000 borrowed and the minimum term and maximum term within each term range.

Share (CD) Secured

Loan Type/Term Rate
Savings Secured - CD Account 2.00% Over CD Rate

Personal Loans (Unsecured)Learn More

Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit). Not available on Unsecured Line of Credit Loans.

Loan Type/Term Rate
Unsecured - Signature Loan 6 Months 5.00%
$169.13
Unsecured - Signature Loan 12 Months 5.50%
$85.85
Unsecured - Signature Loan 18 Months 6.50%
$58.47
Unsecured - Signature Loan 24 Months 7.50%
$45.01
Unsecured - Signature Loan 36 Months 8.50%
$31.58
Unsecured - Signature Loan 48 Months 9.00%
$24.90
Unsecured - Signature Loan 60 Months 9.50%
$21.02
Unsecured - Line of Credit 10.90%
3% of Limit 
Loan rates may vary based on credit evaluation. Monthly Payment Installment samples shown under rates are based on every $1000 borrowed and the minimum term and maximum term within each term range.

CU Student Choice Learn More

Credit Score Rate Index Margin Rate
= > 740 Prime 4.750% 3.00% 7.750%
680 - 739 Prime 4.750 % 3.25% 8.000%
660 - 679 Prime 4.750% 4.25% 9.000%

 

Adjustable quarterly based on the Prime Rate. Floor Rate: 6.00%, Ceiling Rate: 18.00%

Primary MortgageLearn More

 

Mortgages Rate APR Points
15 Year Fixed Rate Mortgage 3.000%
$69.05		 3.256% .00
15 Year Fixed Rate Mortgage 2.750%
$67.88		 3.150% 1.000
20 Year Fixed Rate Mortgage 3,125%
$56.08		 3.375% .00
20 Year Fixed Rate Mortgage 3.000%
$55.45		 3.361% 1.000
30 Year Fixed Rate Mortgage 3.625%
$45.60		 4.014% .00
30 Year Fixed Rate Mortgage 3.375%
$44.20		 3.837% 1.000
5/1 Year ARM 3.500%
$44.90		 4.179% .00
7/1 Year ARM 3.375%
$44.20		 4.036% .00
15 Year FHA Fixed Rate Mortgage 3.000%
$70.52		 4.995% .00
20 Year FHA Fixed Rate Mortgage 3.250%
$57.92		 5.078% .00
25 Year FHA Fixed Rate Mortgage 3.250%
$49.76		 4.946% .00
30 Year FHA Fixed Rate Mortgage 3.250%
$44.44		 4.875% .00
5/1 Year FHA ARM 3.750%
$47.29		 6.059% .00
15 Year HARP Loan** Program
Expired
12/31/2018		    
30 Year HARP Loan** Program
Expired
12/31/2018		    
Construction Loan - 6 Month Term PRIME   1.00

 

Monthly Payment Installment samples shown under rates are based on every $10,000 borrowed. Mortgage Loan Rates & APR are based on $150,000 loan with 5% down.

Home Equity Learn More

Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).

Home Equity Fixed Rate

Up to 80% Loan to Value

Term Rate Payment
24 Months 4.000% $43.43
36 Months 4.250% $29.64
48 Months 4.250% $22.70
60 Months 4.250% $18.54
72 Months 4.500% $15.88
84 Months 4.500% $13.91
96 Months 4.500% $12.43
108 Months 4.750% $11.41
120 Months 4.750% $10.49 
180 Months 5.000% $7.92 

Home Equity Line of Credit — Adjustable Rate

Up to 80% Loan to Value

Rate discounted at 4.625% for the first year. Adjusts to Wall Street Journal Prime Rate annually, which is currently at 4.750%. Maximum APR = 18% Annual Fee = $10.00

 

Monthly Payment Installment samples shown are based on every $1000 borrowed. Rates may vary based on credit evaluation. Rates subject to change without notice. Closing costs may vary if out of the Rockford area, an appraisal is required, or a release of mortgage is recorded.

Mobile Home

Rates disclosed are As Low As Rates, which are based on the A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).

Mobile Home Loans Are Temporarily Unavailable Rate
120 Months (New) N/A
180 Months (New) N/A
120 Months (Used) N/A
180 Months (Used) N/A
Monthly Payment Installment samples shown under rates are based on every $1000 borrowed.

Visa Credit Card Learn More

Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers.
Visa Platinum Rewards Card: 8.90% to 15.90% based on your creditworthiness at the time of account opening.
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