APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Rates and APY/APR last updated September 19th, 2017.
Rates subject to change after account opening.
Savings/Checking Rates
| Accounts | Rate | APY | Minimum Opening Deposit |
|---|---|---|---|
| Savings Account | 0.05% | 0.05% | $25 |
| Youth Accounts | 0.05% | 0.05% | $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 | 0.05% | 0.05% | No Minimum Deposit Required |
| Vacation Club | 0.05% | 0.05% | No Minimum Deposit Required |
IRA/CD Rates
| Type/Term | Minimum Opening Deposit | Rate | APY | Penalty for Early Withdrawal |
|---|---|---|---|---|
| Base IRA (Primary, Education, Roth) | $500 | 0.050% | 0.050% | N/A |
| 3 Month CD | $500 | 0.080% | 0.080% | 90 Days |
| 6 Month CD** | $500 | 0.120% | 0.120% | 90 Days |
| 12 Month CD | $500 | 0.200% | 0.200% | 180 Days |
| 18 Month CD | $500 | 0.240% | 0.240% | 180 Days |
| 24 Month CD | $500 | 0.340% | 0.341% | 180 Days |
| 30 Month CD | $500 | 0.380% | 0.381% | 180 Days |
| 36 Month CD | $500 | 0.420% | 0.421% | 180 Days |
| 48 Month CD | $500 | 0.600% | 0.602% | 365 Days |
| 60 Month CD | $500 | 0.850% | 0.854% | 365 Days |
Minimum Deposit = $500.00. A penalty will or may be imposed for early withdrawals. ** 6 month CD not eligible for Roth and Education IRAs.
Money Market Accounts Learn More
| Balance | Rate | APY |
|---|---|---|
| $2,500 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $24,999.99 | 0.08% | 0.08% |
| $25,000 - $99,999.99 | 0.13% | 0.13% |
| $100,000+ | 0.17% | 0.17% |
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 | 79-90 Months | 91-126 Months $40,000 Min. |
|---|---|---|---|---|---|---|---|
| New Auto, Trucks, Vans, Motorcycles (2016/2017) | 2.75% $42.88 |
2.75% $41.21 - $28.98 |
3.00% $28.34 - $19.83 |
3.00% $19.16 - $16.46 |
3.25% $16.35 - $14.25 |
3.50% $14.20 - $12.66 |
3.75% $12.65 - $9.62 |
| Used Auto, Trucks, Vans, Motorcycles (2016-2013) | 2.75% $42.88 |
2.75% $41.21- $28.98 |
3.00% $28.34 - $19.83 |
3.00% $19.16 - $16.46 |
3.50% $16.46 - $14.36 |
3.75% $14.31 - $12.77 |
N/A |
| Used Auto, Trucks, Vans, Motorcycles (2012-2010) | 3.00% $42.99 |
3.25% $41.43 - $29.20 |
3.50% $28.56 - $20.05 |
3.50% $19.07 - $16.69 |
N/A | N/A | N/A |
| Used Auto, Trucks, Vans, Motorcycles (2009-2007) | 3.50% $43.21 |
3.75% $41.66 - $29.42 |
4.00% $28.78 - $20.27 |
4.25% $20.05 - $17.05 |
N/A | N/A | N/A |
| Used Auto, Trucks, Vans, Motorcycles (2006) | 4.50% $43.66 |
4.75% $42.10 - $29.87 |
5.00% $29.23 - $20.73 |
N/A | N/A | N/A | N/A |
| Used Auto, Trucks, Vans, Motorcycles (2005 and older) | 4.75% $43.77 |
5.25% $42.33 - $30.09 |
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 | 37-66 Months | 67-78 Months | 79-90 Months | 91-126 Months | 127-186 Months | 187-246 Months |
|---|---|---|---|---|---|---|---|
| New Recreational Vehicles (New 2016/2017) |
2.75%
$41.21 - $28.98 |
3.00%
$28.34 - $16.46 |
3.25%
$16.46 - $14.25 |
3.50%
$14.20 - $12.66 |
3.75%
$12.65 - $9.62 |
4.00%
$9.68 - $7.23 |
4.25%
$7.33 - $6.10 |
| Used Recreational Vehicles (2016-2013) |
2.75%
$41.21- $28.98 |
3.00%
$28.34 - $16.46 |
3.25%
$16.46 - $14.25 |
3.50%
$14.20 - $12.66 |
3.75%
$12.65 - $9.62 |
4.00%
$9.68 - $7.23 |
4.25%
$7.33 - $6.10 |
| Used Recreational Vehicles (2012-2010) |
3.25%
$41.43 - $29.20 |
3.50%
$28.56 - $16.69 |
3.75%
$16.57 - $14.47 |
4.00%
$14.43 - $12.89 |
4.25%
$12.88 - $9.86 |
4.50%
$9.92 - $7.48 |
4.75%
$7.59 - $6.38 |
| Used Recreational Vehicles (2009-2007) |
3.75%
$41.66 - $29.42 |
4.00%
$28.78 - $16.91 |
4.25%
$16.80 - $14.70 |
4.50%
$14.70 - $13.12 |
5.00%
$13.23 - $10.23 |
5.50%
$10.41 - $8.01 |
6.00%
$8.25 - $7.08 |
| Used Recreational Vehicles (2006) |
4.00%
$41.77 - $29.53 |
4.25%
$29.23 - $17.03 |
4.50%
$16.91 - $14.82 |
5.00%
$14.89 - $13.35 |
5.50%
$13.47 - $10.47 |
5.75%
$10.54 - $8.14 |
6.00%
$8.25 - $7.08 |
| Used Recreational Vehicles (2005 and Older) |
4.25%
$41.88 - $29.64 |
4.50%
$29.00 - $17.14 |
4.75%
$17.03 - $14.93 |
5.75%
$15.24 - $13.71 |
6.00%
$13.71 - $10.72 |
6.25%
$10.79 - $8.42 |
6.75%
$8.42 - $7.52 |
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 | 5.50% $44.11 |
5.75% $30.32 |
6.00% $23.49 |
6.25% $19.48 |
| Used Snowmobile, Off-Road RV, Jet Ski | 6.00% $44.33 |
6.25% $30.55 |
6.50% $23.72 |
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 | 8.50% $24.66 |
| Unsecured - Signature Loan 60 Months | 8.50% $20.53 |
| 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 3.25% | 3.00% | 6.25% |
| 680 - 739 | Prime 3.25% | 3.25% | 6.50% |
| 660 - 679 | Prime 3.25% | 4.25% | 7.50% |
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 | 3.125% $69.66 |
3.378% | 0.00 |
| 15 Year Fixed Rate Mortgage | 2.875% $68.46 |
3.277% | 1.00 |
| 15 Year HARP Loan** | 3.750% $72.72 |
4.274% | 0.00 |
| 15 Year FHA Fixed Rate Mortgage | 3.375% $70.88 |
5.364% | 0.00 |
| 20 Year FHA Fixed Rate Mortgage | 3.750% $59.29 |
5.606% | 0.00 |
| 25 Year FHA Fixed Rate Mortgage | 3.750% $52.50 |
5.463% | 0.00 |
| 30 Year Fixed Rate Mortgage | 3.875% $47.02 |
4.275% | 0.00 |
| 30 Year Fixed Rate Mortgage | 3.625% $45.61 |
4.100% | 1.00 |
| 30 Year HARP Loan** | 3.990% $47.68 |
4.507% | 0.00 |
| 30 Year FHA Fixed Rate Mortgage | 3.625% $46.57 |
5.235% | 0.00 |
| 5/1 Year ARM | 3.250% $43.52 |
4.239% | 0.00 |
| 5/1 Year FHA ARM | 3.990% $48.69 |
5.683% | 0.00 |
| 7/1 Year ARM | 3.375% $44.21 |
4.250% | 0.00 |
| 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. **HARP Mortgage Loan Rates & APR are based on a refinanced loan amount of $150,000 and a LTV of 125%.
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 | 4.375% | $15.82 |
| 84 Months | 4.375% | $13.85 |
| 96 Months | 4.375% | $12.37 |
| 108 Months | 4.375% | $11.22 |
| 120 Months | 4.500% | $10.37 |
| 180 Months | 4.500% | $7.66 |
Home Equity Line of Credit — Adjustable Rate
Up to 80% Loan to Value
| Rate discounted at 4.125% for the first year. Adjusts to Wall Street Journal Prime Rate annually, which is currently at 4.250%. 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. |
