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RATES

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Rates

Rates

Deposit Rates


Savings

Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)
New Member Savings $0 - $499.99 4.00%

$500 - $2,499.99 4.00%

$2,500 - $9,999.99 4.00%

$10,000 or more 4.00%
Regular Savings $0 - $499.99 0.00%

$500 - $2,499.99 0.05%

$2,500 - $9,999.99 0.05%

$10,000 or more 0.05%
Holiday and Tax Account $0 - $499.99 0.00%

$500 - $2,499.99 0.05%

$2,500 - $9,999.99 0.05%

$10,000 or more 0.05%
Youth Account n/a 0.05%
Start Savings Account $0.01–$500
$500.01 or more
1.00%
0.05%

The APY may change after account opening. Minimum amount to open a New Member Savings, Regular Savings, Youth Savings, Start Savings or Holiday and Tax Account is $5.

New Member Savings available to new members only, existing members are not eligible for the New Member Savings. One account per member. “New Members” are individuals or businesses that have not had an account as primary owner within the previous 6 months. The New Member Savings will convert to a Regular Savings account on the first day of the month following twelve-months from account opening

You must be between the ages of 14 to 22 years old in order to qualify for the Start Savings account. Only one Start Savings account per member and member number (membership). No Primary member can have two Start Savings accounts (they can be joint on another account that has a different primary member.) For Start Savings accounts, on the first day of the month following your 23rd birthday, your account will convert to a Regular Savings account. Transaction restrictions apply.



Checking

Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)
Fusion Checking $0.01 - $10,000 1.50%1

$10,000.01 - $25,000 1.50 %1

$25,000.01 or more 0.10%1
Start Checking n/a n/a3
Cashback Checking n/a n/a4
HSA Interest Checking $0 - $2,499.99 0.05%5

$2,500 - $9,999.99 0.05%5

$10,000 or more 0.05%5

1*APY= Annual Percentage Yield. Rates are subject to change after account opening. Minimum opening deposit is $25.00. When Fusion requirements are met, balances over $25,000 earn 0.10% APY. To earn Fusion rate and ATM fee refunds you must satisfy the following requirements during the requirement cycle: have at least 12 debit card transactions post and clear; have at least one automatic payment or direct deposit post and clear; and receive statements electronically. Requirement cycles begin on the last calendar day of the month and end on the next to last calendar day of the month (at close of business on a Monday through Saturday and 5:00 pm on a Sunday). To ensure you receive the highest interest rate tier, all Fusion requirements must be met by within the disclosed requirement cycle. ATM transactions do not count toward the 12 check card transactions. International ATM fees are not eligible for ATM fee refund. Interest and ATM refunds will be paid on the last day of the month in which it is earned. If account requirements are not met, the rate will be 0.05% APY and ATM fees will not be refunded.


3Minimum amount to open a Start Checking is $25. To earn cash back you must be signed up to receive eStatements from Advantis. You will earn $0.10 on every qualifying purchase that posts during the account cycle. A qualifying purchase is a purchase of $3.00 or more that is made with the debit card tied to your Start Checking account, including purchases made with your card through a Digital Wallet supported by Advantis and purchases made with your debit card online. For purposes of the Start Checking account, the account cycle runs from the first day of the month to the last day of the month. Your cashback will be posted to your Start Checking account on the first day of the month following the close of the account cycle. You will not receive any cashback for any purchases posted during the same month you close your account. You must be between the ages of 14 to 22 years old in order to qualify for the Start Checking account. On the first day of the month following your 23rd birthday, your Start Checking account will convert to a Cashback Checking account.

4 Minimum to open a Cash Back Checking is $25. Your cash back will be posted to your Cashback Checking account on the first day of the month following the close of the account cycle. The account cycle runs from the first day of the month to the last day of the month. If you close your Cashback Checking account, you will not receive any cash back for purchases posted during the month you close your account. Only applicable to purchases made with your debit card tied to your Cashback Checking account.

5The APY may change after account opening. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.



IRAs

Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)1
High-Growth IRA $0.00-$24,999 0.05%

$25,000–$49,999 0.10%

$50,000–$99,999 0.10%

$100,000 or more 0.10%

1The APY may change after account opening. Minimum amount to open a High-Growth IRA Savings Account is $5. Transaction restrictions apply. IRA Plan closure fee may reduce earnings.”



Money Market

Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)1
High-Growth Money Market $0.01–$9,999.99 0.10%

$10,000–$24,999.99 0.10%

$25,000–$99,999 0.20%

$100,000–$249,999 0.40%

$250,000 or more 0.40 %

1The APY may change after account opening. Minimum amount to open a High-Growth Money Market account is $2,500. Transaction Limitations apply.”


Featured Offers


Amount Interest Rate APY
Money Market Special
Minimum Opening Deposit: $10,000
new funds*

$0.01–$9,999.99
$10,000 or more
0.05%
2.72%
0.05%
2.75%

For the Money Market Special, requires new Money Market account opening. Existing Advantis High-Growth Money Market accounts are not eligible for this limited promotion. Minimum opening balance of $10,000 to qualify for intro rate offer. $10,000 new money required at time of account opening. “New Money” means funds that have not been on deposit with Advantis before the day of account opening. The promotional Money Market will convert to the High-Growth Money Market on the first day of the month following the end of the twelve-month promotional period.



High-Growth CDs1

Rates Effective 11/01/2020
IRA option available on all terms.
Term Tier Annual Percentage Yield (APY)
6 months $500 – $49,999.99 1.00%

$50,000 – $99,999.99 1.00%

$100,000 or more 1.00%
12 Months $500 - $49,999.99 1.25%

$50,000 - $99,999.99 1.25%

$100,000 or more 1.25%
24 Months $500 - $49,999.99 1.35%

$50,000 - $99,999.99 1.35%

$100,000 or more 1.35%
36 Months $500 - $49,999.99 1.40%

$50,000 - $99,999.99 1.40%

$100,000 or more 1.40%
48 Months $500 - $49,999.99 1.45%

$50,000 - $99,999.99 1.45%

$100,000 or more 1.45%
60 Months $500 - $49,999.99 2.00%

$50,000 - $99,999.99 2.00%

$100,000 or more 2.00%


Featured Offers3


Amount Interest Rate APY
7 Month Promo Certificate
$500 or more 3.93% 4.00%
18 Month Bump Certificate $2,500 or more 3.69% 3.75%

1Minimum amount to open a Certificate account is $500. 1Minimum amount to open a 18-month Bump Certificate account is $2,500. Rates are subject to change without notice.  For 18-month Bump Certificates, you may increase your rate twice during the certificate term to the rate currently in effect for the 18-month Bump Certificate, cannot add funds to the 7-month certificate of deposit after account opening. Credit Union reserves the right to stop offering this product at any time in its discretion. There may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. For IRA accounts: Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.




Health Savings Account Certificates1

Rates Effective 11/01/2020
Term Tier Annual Percentage Yield (APY)
6 months $500 – $49,999 1.00%

$50,000 – $99,999 1.00%

$100,000 or more 1.00%
12 Months $500 - $49,999 1.25%

$50,000 - $99,999 1.25%

$100,000 or more 1.25%
24 Months $500 - $49,999 1.35%

$50,000 - $99,999 1.35%

$100,000 or more 1.35%
36 Months $500 - $49,999 1.40%

$50,000 - $99,999 1.40%

$100,000 or more 1.40%
1Minimum amount to open an HSA Certificate account is $500. There is a service fee if a minimum balance is not maintained in the plan. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information. There may be a penalty for early withdrawal. Rates are subject to change without notice. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings.

Loan Rates


Credit Cards1

Rates Effective 11/01/2020
Card Type Annual Percentage Rate1
Signature Cashback Rewards 14.74% to 23.74% Variable
Platinum 12.74% to 21.74% Variable
Start Credit Card Program 12.74% to 21.74% Variable
Secured 19.74% Variable
Business Cashback Rewards 15.74% to 23.99% Variable
1APR=Annual Percentage Rate. APR is a variable rate equal to “The Wall Street Journal” Prime Rate (currently 8.00%) plus a margin. APR is accurate as of April 1, 2023. The APR is based on your credit qualifications. Foreign currency conversion fee up to 1% may apply. Credit limits between $250-$30,000. Underwriting approval is required. Cashback Rewards program restrictions, limitations and exclusions apply. Refer to Cashback Rewards Program Rules, Terms, and Conditions for further details.

Auto1

Rates Effective 11/01/2020
Loan Type Terms Annual Percentage Rate
2019 & newer up to 6 Yrs As low as 8.59% Fixed

up to 7 Yrs As low as 9.09% Fixed

up to 8 Yrs As low as 10.34% Fixed
2018 -2014 up to 6 Yrs As low as 9.09% Fixed

up to 7 Yrs As low as 9.59% Fixed
2013 & older up to 5 Yrs As low as 10.09% Fixed
Start Auto Loan up to 6 Yrs See rates above Fixed


1APRs on auto loans range from 8.59% to 21.34% for purchase transactions or refinance of non-Advantis loans. APR for refinance of existing Advantis debt may be higher. Finance up to 120% of MSRP or Kelley Blue Book plus title, license and registration fees. For all auto loans the APR, maximum repayment period and maximum loan-to-value will be based on credit qualifications, loan amount and collateral. Payments on a 60-month fixed rate loan at 8.59% APR would be $20.56/month per $1000 borrowed; Payments on 60-month fixed rate loan at 21.34% APR would be $27.24/month per $1000 borrowed; Payments on a 72-month fixed rate loan at 8.59% APR would be $17.82/month per $1000 borrowed. Payments on a 72-month fixed rate loan at 21.34%APR would be $24.74/month per $1000 borrowed; Payments on an 84-month fixed rate loan at 9.09% would be $16.13/month per $1000 borrowed; Payments on an 84-month fixed rate loan at 16.34% would be $20.06/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 10.34% would be $15.35/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 12.34% would be $16.44/month per $1000 borrowed. Underwriting approval is required. Annual Percentage Rate (APR), loan term, and LTV will be based on credit qualifications, loan amount and collateral. The Start Auto Loan Program is subject to credit approval, terms are limited up to 72 months with financing of up to 100% of MSRP/Kelley Blue Book; collateral mileage must be less than 100k. Applies to autos less than 10 years old. ++ Interest begins to accrue from the date of origination, Loans that are not eligible to receive the deferred payment option include: internal auto refinances, Start auto loans, recreational vehicles and unsecured. vehicles and unsecured.



Start Personal Loan1

Rates Effective 11/01/2020
Loan Type Terms Annual Percentage Rate
Personal Loan Up to 3 yrs 14.40% to 22.40% Fixed

1APR=Annual Percentage Rate. APRs range from 14.40% to 22.40% and will be based on your credit qualifications. All loans subject to underwriting approval. Payment example on a fixed-rate 3-year personal loan at 14.40% would be $34.37 per $1000 borrowed for 36 months. The Start Personal Loan Requires a Parent or other co-signer if under 18 years old.


Personal Loan1

Rates Effective 11/01/2020
Loan Type Terms Annual Percentage Rate
Personal Loan Up to 5 yrs 14.40% to 22.40% Fixed

1APR=Annual Percentage Rate. APRs range from 14.40% to22.40%. APRs will be based on your credit qualifications. All loans subject to underwriting approval. Payment example on a fixed-rate 5-year personal loan at 14.40% would be $23.48 per $1000 borrowed.


Personal Flex Line1

Rates Effective 11/01/2020
Loan Type Terms Annual Percentage Rate
Line of Credit N/A 14.74% to 23.74% Variable

1Variable rate line of credit from $250 to $30,000. The APR is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal.


Mortgages1

Rates Effective
Loan Type Rate APR Points

Home Equity Line of Credit1

Rates Effective 11/01/2020
Loan Type Term Interest Rate Annual Percentage Rate (APR)
Home Equity Line of Credit n/a 8.15% to 11.15% 7.15% to 10.65% Variable


1All home equity rates are based on your credit history, current credit report and loan to value ratio. The HELOC is a variable rate loan. All loans are subject to underwriting approval. For all real estate loans property insurance is required and flood insurance may be required. APR is based on Wall Street Journal Prime Rate plus or minus a margin. As of 03/23/2023 the Prime rate is 8.00%. Maximum APR is 12%. Floor APR is 3.99%. Closing costs range from $603.00 to $3,376.00, depending on loan amount, loan position and appraisal costs. This loan has a fixed rate conversion option. You may convert all or part of the outstanding balance up to 2 times during the draw period. First loan conversion is free; the fee for the second conversion is $50.00. The fee to reconvert back to a variable rate credit line is $100.00. Should you choose to convert to a fixed rate, your rate will be determined at the time of conversion based upon Prime Rate plus a margin and will be higher than your current rate.


Business Rates


Business Solutions Checking1

Rates Effective 11/01/2020
Tier Annual Percentage Yield (APY*)
under $2,500 0.05%
$2,500 - $24,999 0.05%
$25,000 - $49,999 0.05%
$50,000 or more 0.05%


1APY may change after account opening. Minimum deposit to open a Business Solutions Checking account is $100. Fees may reduce earnings.


Business Savings1

Rates Effective 11/01/2020
Tier Annual Percentage Yield (APY)
under $500 0.00%
$500 - $2,499 0.05%
$2,500 - $9,999 0.05%
$10,000 or more 0.05%


1The APY may change after account opening. Minimum amount to open a Business Savings Account is $5. Transaction restrictions apply.


Business Money Market1

Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY*)
Business Money Market under $2,500 0.00%

$2,500 - $9,999.99 0.10%

$10,000 - $24,999.99 0.10 %

$25,000 - $99,999.99 0.20%

$100,000 - $249,999.99 0.40%

$250,000 or more 0.40%


1The APY may change after account opening. Minimum amount to open a Money Market account is $2,500. Transaction Limitations apply.




Business Certificates1

Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)
6 Month Certificate $500 - $49,999.99 1.00%

$50,000 - $99,999.99 1.00%

$100,000 or more 1.00%
12 Month Certificate $500 - $49,999.99 1.25%

$50,000 - $99,999.99 1.25%

$100,000 or more 1.25%
24 Month Certificate $500 - $49,999.99 1.35%

$50,000 - $99,999.99 1.35%

$100,000 or more 1.35%
36 Month Certificate $500 - $49,999.99 1.40%

$50,000 - $99,999.99 1.40%

$100,000 or more 1.40%
48 Month Certificate $500 - $49,999.99 1.45%

$50,000 - $99,999.99 1.45%

$100,000 or more 1.45%
60 Month Certificate $500 - $49,999.99 2.00%

$50,000 - $99,999.99 2.00%

$100,000 or more 2.00%

Featured Offers3


Amount Interest Rate APY
7 Month Promo Certificate
$500 or more 3.93% 4.00%
18 Month Bump Certificate $2,500 or more 3.69% 3.75%

1Minimum amount to open a Certificate account is $500. 1Minimum amount to open a 18-month Bump Certificate account is $2,500. Rates are subject to change without notice.  For 18-month Bump Certificates, you may increase your rate twice during the certificate term to the rate currently in effect for the 18-month Bump Certificate. Credit Union reserves the right to stop offering this product at any time in its discretion. There may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. For IRA accounts: Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.

















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