RATES

Our rates can help you reach your financial goals

Rates

Deposit Rates


Savings		Rates Effective 10/26/2017
	Tier	Annual Percentage Yield (APY)¹
Regular Savings	$0 - $499	0.00%
	$500 - $2,499	0.05%
	$2,500 - $9,999	0.10%
	$10,000 or more	0.15%
Holiday and Tax Account	$0 - $499	0.00%
	$500 - $2,499	0.05%
	$2,500 - $9,999	0.10%
	$10,000 or more	0.15%
Youth Account	n/a	0.15%
¹The APY may change after account opening. Minimum amount to open a Savings, Youth Savings or Holiday and Tax Account is $5. Transaction restrictions apply.


Checking		Rates Effective 10/26/2017
	Tier	Annual Percentage Yield (APY)
Fusion Checking	$0 - $25,000	1.75%¹
	$25,000.01 or more	0.20%¹
Interest Checking	$0 - $2,499	0.05%²
	$2,500 - $24,999	0.10%²
	$25,000 - $49,999	0.10%²
	$50,000 or more	0.15%²
HSA Interest Checking	$0 - $2,499	0.10%³
	$2,500 - $9,999	0.15%³
	$10,000 or more	0.20%³
¹The APY may change after account opening. Minimum amount to open a Fusion Checking is $25. To earn Fusion Checking rate during each requirement cycle you must have: 12 debit card transactions post and clear; receive your statement via eStatements; sign into Online Banking and have at least one Direct Debit or Credit post and clear. If account requirements are met, up to $25 of nationwide ATM fees will be refunded and you will receive the Fusion Rates. If the account requirements are not met, you will earn 0.10% APY and no ATM fees will be refunded. The requirements cycle begins on the last business day of the month and ends on the next to last business day of the month. All Fusion requirements must be met by the close of business on the last day of the requirement cycle. ATM transactions do not count toward the 12 debit 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. 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. ³The APY may change after account opening. 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.


IRAs		Rates Effective 10/26/2017
	Tier	Annual Percentage Yield (APY)¹
High-Growth IRA	$0.00-$24,999	0.25%
	$25,000–$49,999	0.60%
	$50,000–$99,999	0.80%
	$100,000 or more	0.80%
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 10/26/2017
	Tier	Annual Percentage Yield (APY)¹
High-Growth Money Market	$0.01–$24,999	0.10%
	$25,000–$99,999	0.65%
	$100,000–$249,999	0.75%
	$250,000 or more	0.85%
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 10/26/2017
Tier¹	Annual Percentage Yield (APY)²
under $2,500	2.75%
$2,500 - $49,999	2.75%
$50,000 - $149,999	2.80%
$150,000 - $249,999	2.85%
$250,000 or more	2.90%
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 10/26/2017
Term	Tier	Annual Percentage Yield (APY)
6 months	$500–$49,999	0.80%
	$50,000–$99,999	0.85%
	$100,000 or more	0.90%
12 Months	$500 - $24,999	1.10%
	$25,000 - $49,999	1.15%
	$100,000 or more	1.20%
24 Months	$500 - $24,999	1.50%
	$25,000 - $49,999	1.65%
	$100,000 or more	1.70%
36 Months	$500 - $24,999	1.90%
	$25,000 - $49,999	2.15%
	$100,000 or more	2.20%
48 Months	$500 - $24,999	2.10%
	$25,000 - $49,999	2.20%
	$100,000 or more	2.30%
60 Months	$500 - $24,999	2.50%
	$25,000 - $49,999	2.75%
	$100,000 or more	3.00%
32 Month Special Certificate² Minimum Deposit: $500 50% new money required	$500 or more	3.20%
1For all certificates, there may be a penalty for early withdrawal. For IRA certificates, there is a plan closure fee which may reduce earnings. ²32-Month Special Certificate: 50% of the certificate balance must be new money to Advantis. “New Money” means funds that have not been on deposit with Advantis before the day of account opening.


Bump Certificates¹		Rates Effective 10/26/2017
Term	Tier	Annual Percentage Yield (APY)
18 Month Bump	$2,500 - $49,999	1.25%
	$50,000 - $99,999	1.30%
	$100,000 or more	1.35%
¹For 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.


Health Savings Account Certificates¹	Rates Effective 10/26/2017
Tier	Annual Percentage Yield (APY)
6 Months	0.20%
12 Months	0.35%
24 or 36 Months	0.55%
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.

Loan Rates


Credit Cards		Rates Effective 10/26/2017
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
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 and Visa Classic. Foreign currency conversion fee of up to 1.00% may apply. Underwriting approval is required.


Auto¹			Rates Effective 10/26/2017
Loan Type	Terms	Annual Percentage Rate
2017-2018 (New)	up to 6 Yrs	As low as 4.74%	Fixed
	up to 7 Yrs	As low as 5.74%	Fixed
2013-2018 (Used)	up to 6 Yrs	As low as4.49%	Fixed
	up to 7 Yrs	As low as 5.49%	Fixed
	up to 8 Yrs	As low as 6.49%	Fixed
2009-2012 (Older)	up to 6 Yrs	As low as 4.99%	Fixed
	up to 7 Yrs	As low as 5.99%	Fixed
^{^¹}APRs on auto loans range from 3.99% to 18.49% 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 4.24% APR would be $18.53/month per $1000 borrowed; Payments on 60-month fixed rate loan at 5.24% APR would be $18.98/month per $1000 borrowed; Payments on an 84-month fixed rate loan at 5.24% would be $14.25 /month per $1000 borrowed; Payments on an 84-month fixed rate loan at 7.24% would be $15.21/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 5.99% would be $13.14/month per $1000 borrowed. Underwriting approval is required.


Personal Loan¹			Rates Effective 10/26/2017
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% and 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 for 60 months.


Personal RV Loans¹			Rates Effective 10/26/2017
Loan Type	Terms	Annual Percentage Rate
New Units Only	Up to 5 years	6.74% to 8.74%	Fixed
	Up to 6 years	7.24% to 9.24%	Fixed
	Up to 7 years	8.04% 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 6.74% APR would be $19.68/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 8.04% APR would be $15.61/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 10/26/2017
Loan Type	Terms	Annual Percentage Rate
New & Used (2012 & newer)	10 years	6.24% to 8.24%	Fixed
	15 years	6.74% to 8.74%	Fixed
Used (2011 & older)	10 years	7.54% to 9.54%	Fixed
	15 years	8.04% 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 6.24% would be $11.22/month for 120 months per $1000 borrowed. Payments on a 10 year loan at 9.54% would be $12.96/month for 120 months per $1000 borrowed. Payments on a 15 year loan at 6.74% would be $8.84/month for 180 months per $1000 borrowed. Payments on a 15 year loan at 11.04% would be $11.39/month for 180 months per $1000 borrowed. All loans are subject to underwriting approval.


Boat Loans¹			Rates Effective 10/26/2017
Loan Type	Terms	Annual Percentage Rate
New (2012 & newer)	10 years	6.24% to 8.24%	Fixed
	15 years	6.74% to 8.74%	Fixed
Used (2011 & older)	10 years	7.54% to 9.54%	Fixed
	15 years	8.04% to 10.04%	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 6.24% would be $11.22/month for 120 months per $1000 borrowed. Payments on a 10 year loan at 9.54% would be $12.96/month for 120 months per $1000 borrowed. Payments on a 15 year loan at 6.74% would be $8.84/month for 180 months per $1000 borrowed. Payments on a 15 year loan at 10.04% would be $10.77/month for 180 months per $1000 borrowed. All loans are subject to underwriting approval.


Motorcycles¹			Rates Effective 10/26/2017
Loan Type	Terms	Annual Percentage Rat
Model Years 2009 or newer	Up to 5 yrs	4..99% to 6.24%	Fixed
	Up to 6 yrs	5.49% to 6.74%	Fixed
	Up to 7 yrs	5.99% 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 4.99% would be $18.87/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 5.99% would be $14.60/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

	Rate	APR	Points


Home Equity Line of Credit¹			Rates Effective 10/26/2017
Loan Type	Term	Interest Rate	Annual Percentage Rate (APR)
Home Equity Line of Credit	n/a	5.15% to 8.65%	5.15% to 8.65% 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 September 27, 2018 the Prime Rate is 5.25%. 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 10/26/2017
Tier	Annual Percentage Yield (APY*)
under $2,500	0.05%
$2,500 - $24,999	0.10%
$25,000 - $49,999	0.10%
$50,000 or more	0.15%
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 10/26/2017
Tier	Annual Percentage Yield (APY)
under $500	0.00%
$500 - $2,499	0.05%
$2,500 - $9,999	0.10%
$10,000 or more	0.15%
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 10/26/2017
	Tier	Annual Percentage Yield (APY*)
Business Money Market	under $2,500	0.00%
	$2,500 - $24,999	0.10%
	$25,000 - $49,999	0.20%
	$50,000 or more	0.30%
Business Premium Money Market	under $2,500	0.00%
	$2,500 - $24,999	0.05%
	$25,000 - $49,999	0.10%
	$50,000 - $99,999	0.15%
	$100,000 - $249,999	0.35%
	$250,000 or more	0.50%
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 10/26/2017
	Tier	Annual Percentage Yield (APY)
6 Month Certificate	$500 - $49,999	0.80%
	$50,000 - $99,999	0.85%
	$100,000 or more	0.90%
12 Month Certificate	$500 - $49,999	1.10%
	$50,000 - $99,999	1.15%
	$100,000 or more	1.20%
24 Month Certificate	$500 - $49,999	1.50%
	$50,000 - $99,999	1.65%
	$100,000 or more	1.70%
36 Month Certificate	$500 - $49,999	1.90%
	$50,000 - $99,999	2.15%
	$100,000 or more	2.20%
48 Month Certificate	$500 - $49,999	2.10%
	$50,000 - $99,999	2.20%
	$100,000 or more	2.30%
60 Month Certificate	$500 - $49,999	2.50%
	$50,000 - $99,999	2.75%
	$100,000 or more	3.00%
18 Month Bump Rate Special	$2,500 - $49,999	1.25%
	$50,000 - $99,999	1.30%
	$100,000 or more	1.35%
¹Minimum amount to open a Certificate account is $500. Minimum amount to open a 13-Month Bump Certificate account is $2,500. For 13-month bump rate certificates, you may increase your rate once during the certificate term to a rate currently in effect for our standard 12-month certificates. For all certificates, there may be a penalty for early withdrawal.