RATES

Our rates can help you reach your financial goals

Rates

Deposit Rates


Savings		Rates Effective 11/01/2020
	Tier	Annual Percentage Yield (APY)¹
Regular Savings	$0 - $499	0.00%
	$500 - $2,499	0.05%
	$2,500 - $9,999	0.05%
	$10,000 or more	0.05%
Holiday and Tax Account	$0 - $499	0.00%
	$500 - $2,499	0.05%
	$2,500 - $9,999	0.05%
	$10,000 or more	0.05%
Youth Account	n/a	0.05%
Start Savings Account	$0.01–$500 $501 or more	1.00% 0.05%
¹The APY may change after account opening. Minimum amount to open a Regular Savings, Youth Savings, Start Savings or Holiday and Tax Account is $5. 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 - $25,000	0.90%¹
	$25,000.01 or more	0.20%¹
Interest Checking	$0 - $2,499	0.05%²
	$2,500 - $24,999	0.05%²
	$25,000 - $49,999	0.05%²
	$50,000 or more	0.10%²
Start Checking	n/a	n/a³
Cashback Checking	n/a	n/a⁴
HSA Interest Checking	$0 - $2,499	0.05%⁵
	$2,500 - $9,999	0.05%⁵
	$10,000 or more	0.05%⁵
¹*APY= Annual Percentage Yield. APY is accurate as of 11/01/2020. Rates are subject to change after account opening. Minimum opening deposit is $25.00. When Fusion requirements are met, balances over $25,000 earn 0.20% 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; receive statements electronically and log in to online banking at least once. 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 0.10% APY and ATM fees will not be refunded. ²The APY may change after account opening. Minimum amount to open an Interest Checking account is $25. There is a $1000 minimum balance requirement to avoid a service fee for interest checking. Fees may reduce earnings. 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. ⁴Minimum 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	0.15%
	$50,000–$99,999	0.20%
	$100,000 or more	0.20%
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–$24,999	0.05%
	$25,000–$99,999	0.10%
	$100,000–$249,999	0.10%
	$250,000 or more	0.15%
¹The APY may change after account opening. Minimum amount to open a High-Growth Money Market account is $2,500. Transaction Limitations apply.”


457 (b) Accounts	Rates Effective 11/01/2020
Tier¹	Annual Percentage Yield (APY)²
$0.01 – $24,999.99	0.05%
$25,000 - $49,999.99	0.15%
$50,000 - $99,999.99	0.20%
$100,000 or more	0.20%
¹Applicable balance tier is determined on an individual account basis. ²The APY may change after account opening. Contribution limits apply. See your plan sponsor for more information.


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	0.10%
	$50,000 – $99,999	0.10%
	$100,000 or more	0.20%
12 Months	$500 - $49,999	0.10%
	$50,000 - $99,999	0.15%
	$100,000 or more	0.25%
24 Months	$500 - $49,999	0.20%
	$50,000 - $99,999	0.30%
	$100,000 or more	0.35%
36 Months	$500 - $49,999	0.25%
	$50,000 - $99,999	0.40%
	$100,000 or more	0.45%
48 Months	$500 - $49,999	0.30%
	$50,000 - $99,999	0.45%
	$100,000 or more	0.50%
60 Months	$500 - $49,999	0.35%
	$50,000 - $99,999	0.50%
	$100,000 or more	0.55%
1Minimum amount to open a Certificate account is $500. Rates are subject to change without notice. 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.


Bump Certificates¹		Rates Effective 11/01/2020
Term	Tier	Annual Percentage Yield (APY)
18 Month Bump	$2,500 - $49,999	0.10%
	$50,000 - $99,999	0.20%
	$100,000 or more	0.25%
¹Minimum amount to open a 18-Month Bump Certificate account is $2,500. Rates are subject to change without notice. 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 18-month Bump Certificates, you may increase your rate once 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. For IRA certificates, there is a plan closure fee which may reduce earnings.


Health Savings Account Certificates¹		Rates Effective 11/01/2020
Term	Tier	Annual Percentage Yield (APY)
6 months	$500 – $49,999	0.10%
	$50,000 – $99,999	0.10%
	$100,000 or more	0.20%
12 Months	$500 - $49,999	0.10%
	$50,000 - $99,999	0.15%
	$100,000 or more	0.25%
24 Months	$500 - $49,999	0.20%
	$50,000 - $99,999	0.30%
	$100,000 or more	0.35%
36 Months	$500 - $49,999	0.25%
	$50,000 - $99,999	0.40%
	$100,000 or more	0.45%
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 Cards		Rates Effective 11/01/2020
Card Type	Annual Percentage Rate¹
Visa Platinum Rewards	8.40% to 17.40%	Adjustable
Visa Platinum	8.40% to 17.40%	Adjustable
Visa Classic	8.90% to 17.90%	Adjustable
Start Credit Card Program	8.90% to 17.90%	Adjustable
¹The APR is based on your credit qualifications and is subject to change after account opening at the discretion of the credit union. You will be notified of any changes to the APR. APR changes will not apply to balances outstanding at the time of the notice. There is an annual fee of $45 for Visa Platinum Rewards that will be assessed at account opening and annually thereafter. There is no annual fee for the Visa Platinum, Visa Classic, and the Start Credit Card Program. Foreign currency conversion fee of up to 1.00% may apply. Underwriting approval is required. Start Credit Card Program requires Parent or other co-signer if under 18 years old Credit limit from $250 to $2,500, based on borrower(s) qualifications


Auto¹			Rates Effective 11/01/2020
Loan Type	Terms	Annual Percentage Rate
2021 - 2017	up to 6 Yrs	As low as 2.99%	Fixed
	up to 7 Yrs	As low as 3.49%	Fixed
	up to 8 Yrs	As low as 4.74%	Fixed
2016 -2012	up to 6 Yrs	As low as 3.49%	Fixed
	up to 7 Yrs	As low as 3.99%	Fixed
2011 & older	up to 5 Yrs	As low as 4.49%	Fixed
Start Auto Loan	up to 6 Yrs	See rates above	Fixed
^¹APRs on auto loans range from 2.99% to 15.74% 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 2.99% APR would be $17.96/month per $1000 borrowed; Payments on 60-month fixed rate loan at 15.74% APR would be $24.18/month per $1000 borrowed; Payments on a 72-month fixed rate loan at 2.99%APR would be would be $15.19/month per $1000 borrowed. Payments on a 72-month fixed rate loan at 15.74%APR would be $21.55/month per $1000 borrowed; Payments on an 84-month fixed rate loan at 3.49% would be $13.44 /month per $1000 borrowed; Payments on an 84-month fixed rate loan at 10.74% would be $16.99/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 4.74% would be $12.54/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 6.74% would be $13.50/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.


Start Personal Loan¹			Rates Effective 11/01/2020
Loan Type	Terms	Annual Percentage Rate
Personal Loan	Up to 3 yrs	9.90% to 17.90%	Fixed
¹APR= Annual Percentage Rate. APRs range from 9.90% to 17.90% 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 9.90% would be $32.22 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	9.40% to 17.40%	Fixed
¹APR= Annual Percentage Rate. . APRs range from 9.40% to 17.40%. 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 9.40% would be $20.95 per $1000 borrowed


Personal RV Loans¹			Rates Effective 11/01/2020
Loan Type	Terms	Annual Percentage Rate
New Units Only	Up to 5 years	6.24% to 8.74%	Fixed
	Up to 6 years	6.74% to 9.24%	Fixed
	Up to 7 years	7.54% to 10.04%	Fixed
¹For all Personal RV loans the actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Payment example: Payments on a 5-year loan at 6.24% APR would be $19.44/month for 60 months per $1000 borrowed; Payments on a 5-year loan at 8.74% APR would be $20.63/month for 60 months per $1000 borrowed. Payments on a 7-year loan at 7.54% APR would be $15.36/month for 84 months per $1000 borrowed; Payments on a 7-year loan at 10.04% APR would be $16.62/month for 84 months per $1000 borrowed. This loan type is intended for financing of UTVs, ATVs, personal watercraft, snowmobiles, scooters, dirt bikes, cargo trailers, utility trailers, and drift boats. All loans are subject to underwriting approval. Maximum LTV for personal RV is up to 90% MSRP, plus tax, title, license, and warranty.


RV Loans¹			Rates Effective 11/01/2020
Loan Type	Terms	Annual Percentage Rate
New & Used (2015 & newer)	10 years	5.74% to 8.24%	Fixed
	15 years	6.24% to 8.74%	Fixed
Used (2014 & older)	10 years	7.04% to 9.54%	Fixed
	15 years	7.54% to 11.04%	Fixed
¹For all RV loans actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Maximum LTV for new RV is up to 90% of MSRP or average NADA Retail plus title, license and warranty. Maximum LTV for used RVs is up to 85% of average NADA retail, plus title, license and warranty. Payment examples: Payments on a 10-year loan at 5.74% APR would be $10.97/month for 120 months per $1000 borrowed. Payments on a 10 year loan at 9.54% APR would be $12.96/month for 120 months per $1000 borrowed. Payments on a 15 year loan at 6.24% APR would be $8.57/month for 180 months per $1000 borrowed. Payments on a 15 year loan at 11.04% APR would be $11.39/month for 180 months per $1000 borrowed. All loans are subject to underwriting approval.


Boat Loans1			Rates Effective 11/01/2020
Loan Type	Terms	Annual Percentage Rate
New (2015 & newer)	10 years	4.74% to 7.24%	Fixed
	15 years	5.24% to 7.74%	Fixed
Used (2014 & older)	10 years	6.54% to 9.04%	Fixed
	15 years	7.04% to 9.54%	Fixed
¹For all Boat loans actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Maximum LTV for new & used Boats is up to 90% of MSRP or average NADA Retail plus title, license and warranty. Payment examples: Payments on a 10-year loan at 4.74% APR would be $10.48/month for 120 months per $1000 borrowed. Payments on a 10 year loan at 9.04% APR would be $12.69/month for 120 months per $1000 borrowed. Payments on a 15 year loan at 5.24% APR would be $8.03/month for 180 months per $1000 borrowed. Payments on a 15 year loan at 9.54% APR would be $10.47/month for 180 months per $1000 borrowed. All loans are subject to underwriting approval.


Motorcycles¹			Rates Effective 11/01/2020
Loan Type	Terms	Annual Percentage RatE
Model Years 2012 or newer	Up to 5 yrs	4.49% to 6.24%	Fixed
	Up to 6 yrs	4.99% to 6.74%	Fixed
	Up to 7 yrs	5.49% to 7.24%	Fixed
¹For all Motorcycle loans the actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Payment example: Payments on a 5-year loan at 4.49% would be $18.63/month for 60 months per $1000 borrowed; Payments on a 5-year loan at 6.24% would be $19.44/month for 60 months per $1000 borrowed. Payments on a 7-year loan at 5.49% would be $14.37/month for 84 months per $1000 borrowed; payments on a 7- year loan at 7.24% would be $15.21/month for 84 months per $1000 borrowed. All loans are subject to underwriting approval. Maximum LTV for Motorcycles is up to 125% MSRP or NADA Retail but may be lower depending upon qualifications.

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	3.99% to 6.65%	3.99% to 6.65% 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 March 16, 2020 the Prime rate is 3.25%. Maximum APR is 12.00%. Minimum APR is 3.99%. Closing costs range from $525.00 to $2,900.00, 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	0.10%
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%
	$2,500 - $24,999	0.05%
	$25,000 - $99,999	0.10%
	$100,000 - $249,999	0.10%
	$250,000 or more	0.15%
¹The APY may change after account opening. Minimum amount to open a Money Market account is $2,500. Minimum amount to open a Premium Money Market account is $50,000. Transaction Limitations apply.


Business Certificates¹		Rates Effective 11/01/2020
	Tier	Annual Percentage Yield (APY)
6 Month Certificate	$500 - $49,999	0.10%
	$50,000 - $99,999	0.10%
	$100,000 or more	0.20%
12 Month Certificate	$500 - $49,999	0.10%
	$50,000 - $99,999	0.15%
	$100,000 or more	0.25%
24 Month Certificate	$500 - $49,999	0.20%
	$50,000 - $99,999	0.30%
	$100,000 or more	0.35%
36 Month Certificate	$500 - $49,999	0.25%
	$50,000 - $99,999	0.40%
	$100,000 or more	0.45%
48 Month Certificate	$500 - $49,999	0.30%
	$50,000 - $99,999	0.45%
	$100,000 or more	0.50%
60 Month Certificate	$500 - $49,999	0.35%
	$50,000 - $99,999	0.50%
	$100,000 or more	0.55%
18 Month Bump Rate Special	$2,500 - $49,999	0.10%
	$50,000 - $99,999	0.20%
	$100,000 or more	0.25%
¹Rates for all accounts are accurate as of the date of this rate sheet and are subject to change without notice. For all Certificate accounts 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 18-month Bump Certificates, you may increase your rate once during the certificate term to the rate currently in effect for the 18-month Bump Certificate.