Rates and APYs accurate as of June 22nd, 2022. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

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Primary Mortgage Back to Top Learn More

Conventional Mortgages - 5% Down

Term Points Rate Pmt/$10,000 APR
15 Year Fixed Rate 0.000 4.750% $77.78 5.016%
15 Year Fixed Rate  1.000 4.375% $75.86 4.535%
20 Year Fixed Rate  0.000 4.990% $66.00 5.261%
20 Year Fixed Rate 1.000 4.750% $66.62 5.027%
30 Year Fixed Rate  0.000 5.375% $56.00 5.786%
30 Year Fixed Rate  1.000 5.125% $54.45 5.529%
5/1 Year ARM 0.000 N/A N/A N/A
7/1  Year ARM 0.000 N/A N/A N/A
Construction 0.000 N/A N/A N/A


FHA Mortgages - 3.5% Down

Term Points Rate Pmt/$10,000 APR
15 Year 0.000 5.125% $79.73 6.211%
20 Year 0.000 5.125% $66.69 6.149%
25 Year 0.000 5.125% $59.19 6.138%
30 Year 0.000 5.000% $53.68 6.012%
5/1 Year ARM 0.000 N/A N/A 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 Back to Top Learn More

Term Rate Pmt/$1,000
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 $1,000 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 Back to Top Learn More

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

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 $1,000 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.

Autos, Trucks and Motorcycles Back to Top Learn More

New Auto, Trucks, Vans, Motorcycles (New 2022; New untitled 2021)

Term Rate Pmt/$1,000
24 Months 2.50% $42.76
25-36 Months 2.50% $41.09 - $28.86
37-54 Months 2.50% $28.11 - $19.60
55-66 Months 2.50% $19.26 - $16.24
67-78 Months 2.50% $16.01 - $13.91
79-84 Months 3.00% $13.97 - $13.22
85-96 Months / $40,000 Min. 3.25% $13.19 - $11.85

Used Auto, Trucks, Vans, Motorcycles (2021-2015)

Term Rate Pmt/$1,000
24 Months 2.50% $42.76
25-36 Months 2.50% $41.09 - $28.86
37-54 Months 2.50% $28.11 - $19.60
55-66 Months 2.50% $19.26 - $16.24
67-78 Months 2.50% $16.01 - $13.91
79-84 Months 3.25% $14.08 - $13.33
85-96 Months / $40,000 Min. N/A N/A

Used Auto, Trucks, Vans, Motorcycles (2014 and older)

Term Rate Pmt/$1,000
24 Months 3.75% $43.32
25-36 Months 4.00% $41.76 - $29.53
37-48 Months 4.25% $28.89 - $20.38
48-60 Months / $20,000 Min. 4.75% $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 are based on every $1,000 borrowed and the minimum term and maximum term within each term range.

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

New Recreational Vehicles (New 2022; New untitled 2021)

Term Rate Pmt/$1,000
25-36 Months 3.50% $41.53 - $29.30
37-54 Months 3.50% $28.55 - $20.04
55-66 Months 3.75% $19.82 - $16.79
67-78 Months 3.75% $16.57 - $14.47
79-90 Months 4.00% $14.42 - $12.88
91-126 Months / $40,000 Min. 4.50% $12.99 - $9.88
127-180 Months / $60,000 Min. 4.75% $10.04 - $7.78
181-246 Months / $80,000 Min. 5.00 $7.88 - $6.51

Used Recreational Vehicles (2021-2015)

Term Rate Pmt/$1,000
25-36 Months 3.75% $41.64 - $29.41
37-54 Months 3.75% $28.66 - $20.16
55-66 Months 4.00% $19.93 - $16.91
67-78 Months 4.25% $16.80 - $14.70
79-90 Months 4.50% $14.65 - $13.12
91-126 Months / $40,000 Min. 4.75% $13.11 - $10.10
127-180 Months / $60,000 Min. 5.00% $10.16 - $7.91
181-246 Months / $80,000 Min. N/A N/A

Used Recreational Vehicles (2014 and older)

Term Rate Pmt/$1,000
25-36 Months 4.25% $41.87 - $29.64
37-54 Months 4.50% $29.00 - $20.50
55-66 Months 4.75% $20.27 - $17.35
67-78 Months 5.00% $17.14 - $15.05
79-90 Months >5.25% $15.00 - $13.47
91-126 Months / $40,000 Min. 6.00% $13.87 - $10.72
127-180 Months / $60,000 Min. N/A N/A
181-246 Months / $80,000 Min. 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 are based on every $1,000 borrowed and the minimum term and maximum term within each term range. Additional terms available.

Personal Loans (Unsecured) Back to Top Learn More

Loan Type/Term Rate Pmt/$1,000
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 are based on every $1,000 borrowed and the minimum term and maximum term within each term range.

Off Road RVs, Snowmobiles and Jet Skis Back to Top Learn More

New Snowmobile, Off-Road RV, Jet Ski (New 2022; New untitled 2021)

Term Rate Pmt/$1,000
24 Months 5.50% $44.11
36 Months 6.00% $30.43
48 Months 6.50% $23.73
60 Months 7.00% $19.82

Used Snowmobile, Off-Road RV, Jet Ski (2021-2013)

Term Rate Pmt/$1,000
24 Months 6.00% $44.33
36 Months 6.50% $30.65
48 Months 7.00% $23.96
60 Months 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 are based on every $1,000 borrowed and the minimum term and maximum term within each term range.

Mobile Home Back to Top

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 are based on every $1,000 borrowed.

Computer and Other Durable Goods Back to Top

Term Rate Pmt/$1,000
24 Months 7.00% $44.79
36 Months 8.00% $31.35
48 Months 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 are based on every $1,000 borrowed and the minimum term and maximum term within each term range.

Share (CD) Secured Back to Top

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

Student Loans Back to Top Learn More

Credit Score Rate Index (Prime Rate) Margin Rate
=>820 4.750% -0.250% 4.500%
760-819 4.750% 1.500% 6.250%
700-759 4.750% 2.750% 7.500%
680-699 4.750% 3.750% 8.500%
660-679 4.750% 5.750% 10.500%

Adjustable quarterly based on the Prime Rate. Floor Rate: 3.00%, Ceiling Rate: 18.00%

Visa Credit Card Back to Top Learn More

Card Type APR for Purchases, Cash Advances and Balance Transfers
Visa Platinum Rewards Card 8.90% to 17.90%

APR is based on your creditworthiness at the time of account opening.

Savings/Checking Rates Back to Top

Accounts Rate APY Minimum Opening Deposit
Savings Account/Business Savings Account 0.050% 0.050% $25
Youth Accounts 0.050% 0.050% $25
Free Basic Checking 0.00% 0.00% No Minimum Deposit Required
MyCashback Checking N/A N/A No Minimum Deposit Required
HSA Checking 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

Money Market Accounts Back to Top 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%

IRA/CD Rates Back to Top

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.