APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Loan APRs as well as IRA/CD APYs are accurate as of July 21st, 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 | 0.050% | 0.050% | $25 |
| Youth Accounts | 0.050% | 0.050% | $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 | 0.050% | 0.050% | No Minimum Deposit Required |
| Vacation Club | 0.050% | 0.050% | 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 | 0.150% | 0.150% | 90 Days |
| 12 Month CD | $500 | 0.250% | 0.250% | 180 Days |
| 18 Month CD | $500 | 0.300% | 0.300% | 180 Days |
| 24 Month CD | $500 | 0.350% | 0.351% | 180 Days |
| 30 Month CD | $500 | 0.400% | 0.401% | 180 Days |
| 36 Month CD | $500 | 0.450% | 0.451% | 180 Days |
| 48 Month CD | $500 | 0.500% | 0.501% | 365 Days |
| 60 Month CD | $500 | 0.600% | 0.602% | 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 | 0.050% | 0.050% |
| $10,000 - $24,999.99 | 0.080% | 0.080% |
| $25,000 - $99,999.99 | 0.130% | 0.130% |
| $100,000+ | 0.170% | 0.170% |
Autos, Trucks and Motorcycles Learn More
| 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 2021; New untitled 2020) | 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 |
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 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
| 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 2021; New untitled 2020) |
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 |
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 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 Skis Learn More
| Loan Type/Term | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| New Snowmobile, Off-Road RV, Jet Ski New 2021; New untitled 2020 |
5.50% $44.11 |
6.00% $30.43 |
6.50% $23.73 |
7.00% $19.82 |
| Used Snowmobile, Off-Road RV, Jet Ski (2020-2011) |
6.00% $44.33 |
6.50% $30.65 |
7.00% $23.96 |
N/A |
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 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
| 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 |
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 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
| 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 |
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 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 Mortgage Learn More
| Mortgages | Rate | APR | Points |
|---|---|---|---|
| 15 Year Fixed Rate Mortgage | 2.500% 66.65 |
2.747% | .00 |
| 15 Year Fixed Rate Mortgage | 2.375% $66.08 |
2.766% | 1.000 |
| 20 Year Fixed Rate Mortgage | 3.125% $56.08 |
3.375% | .00 |
| 20 Year Fixed Rate Mortgage | 3.000% $54.83 |
3.361% | 1.000 |
| 30 Year Fixed Rate Mortgage | 3.500% $44.90 |
3.884% | .00 |
| 30 Year Fixed Rate Mortgage | 3.250% $43.52 |
3.707% | 1.000 |
| 5/1 Year ARM | 3.500% $44.90 |
4.572% | .00 |
| 7/1 Year ARM | 3.375% $44.21 |
4.360% | .00 |
| 15 Year FHA Fixed Rate Mortgage | 3.750% $72.72 |
5.734% | .00 |
| 20 Year FHA Fixed Rate Mortgage | 3.750% $59.59 |
5.606% | .00 |
| 25 Year FHA Fixed Rate Mortgage | 3.750% $51.41 |
5.463% | .00 |
| 30 Year FHA Fixed Rate Mortgage | 3.750% $46.31 |
5.356% | .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 - Fixed Rate - Up to 80% Loan to Value Learn More
| 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 |
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).
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.
Home Equity Line of Credit - Adjustable Rate - Up to 80% Loan to Value Learn More
Rate discounted at 3.125% for the first year. Adjusts to Wall Street Journal Prime Rate annually, which is currently at 3.250%. Maximum APR = 18% Annual Fee = $10.00
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).
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
| 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 |
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).
Monthly Payment Installment samples shown under rates are based on every $1000 borrowed.
Visa Credit Card Learn More
| Card Type | APR for Purchases, Cash Advances and Balance Transfers |
|---|---|
| Visa Platinum Rewards Card | 8.90% to 15.90% |
APR is based on your creditworthiness at the time of account opening.
