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

Loan APRs as well as IRA/CD APYs are accurate as of October 15th 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) 2.90% 2.90% 2.90% 2.90% 2.90% 3.50% 3.75%
$42.94 $41.27 - $29.04 $28.29 - $19.78 $19.44 - $16.42 $16.19 - $14.09 $14.20 - $13.44 $13.42 - $12.08
Used Auto, Trucks, Vans, Motorcycles (2020-2013) 2.90% 2.90% 2.90% 2.90% 2.90% 3.75% N/A
$42.94 $41.27 - $29.04 $28.29 - $19.78 $19.44 - $16.42 $16.19 - $14.09 $14.31 - $13.56
Loan Type/Term 24 Months 25-36 Months 37-48 Months 48-60 Months N/A N/A N/A
$20,000 Min.      
Used Auto, Trucks, Vans, Motorcycles (2012 and older) 3.75% 4.00% 4.25% 4.75% N/A N/A N/A
$43.32 $41.76 - $29.53 $28.89 - $20.38 $20.27 - $17.25

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
127-180 Months
$60,000 Min
181-246 Months
$80,000 Min
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
(2020-2013)
3.75%
$41.65- $29.42
4.00%
$28.78 - $20.27
4.25%
$20.25 - $17.02
4.50%
$16.91 - $14.82
4.75%
$14.77 - $13.24
5.25%
$13.35 - $10.35
5.50%
$10.41 - $8.18
N/A
Used Recreational Vehicles
(2012 and older)
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
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. 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

Conventional Mortgages Points Rate 5% Down APR Rate 10% Down APR Rate 20% Down APR
15 Year Fixed Rate  0.000 2.25% $66.09 2.591% 2.375% $66.09 2.562% 2.375% $66.09 2.467%
15 Year Fixed Rate  1.000 2.125% $64.93 2.343% 2.125% $64.93 2.307% 2.125% $64.93 2.216%
20 Year Fixed Rate  0.000 2.500% $52.99 2.717% 2.500% $52.99 2.678% 2.500% $52.99 2.577%
20 Year Fixed Rate 1.000 2.250%  $51.78 2.463% 2.250% $51.78 2.424% 2.375% $51.78 2.410%
30 Year Fixed Rate  0.000 2.875% $41.49 3.189% 2.875% $44.49 3.128% 2.875% $41.49 2.962%
30 Year Fixed Rate  1.000 2.375% $38.87 2.672% 2.342% $38.87 2.612% 2.500% $39.51 2.581%
5/1 Year ARM 0.000 N/A          
7/1  Year ARM 0.000 N/A          
               
FHA Mortgages   Rate 3.5% Down          
15 Year 0.000 N/A          
20 Year 0.000 2.625% $53.60 4.430%        
25 Year 0.000 3.125% $48.07 4.786%        
30 Year 0.000 3.125% $42.84 4.691%        
5/1 Year ARM 0.000 N/A          
               
Construction 1.000 N/A          

Monthly Payment Installment samples shown under rates  are based on every $10,000 borrrowed. Mortgage Loan Rates & APR are based on $175,000 loan. Rates are subject to change daily.    
Please contact the credit union for current rates at 815-226-2260.    

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.