current rates
savings rates
last dividend declaration date: February 1, 2025
| Dividend Rate | APY* | Minimum Balance |
|---|---|---|
| Regular Savings | ||
| 0.10% | 0.10% | $100.00 |
| Special Savings | ||
| 0.10% | 0.10% | $100.00 |
| Amped Savings | ||
| 4.89% | 5.00% | $0.01 |
| BlueOx Bright Beginnings Youth Accounts | ||
| 0.10% | 0.10% | $5.00 |
| Club Accounts | ||
| 0.10% | 0.10% | $100.00 |
| IRA Savings | ||
| 0.50% | 0.50% | $5.00 |
*APY = Annual Percentage Yield. Rates are subject to change without prior notification. Fees may reduce earnings.
**$100 minimum balance to avoid a service fee. Minimum shares balance fee will be charged on aggregate savings balances of <$100 and no other services. The minimum shares balance fee is waived if the member has any different additional account under the same membership and for primary account holders under the age of 18.
| Dividend Rate | APY* |
|---|---|
| Minimum $0 to $24,999.99 | |
| 0.70% | 0.70% |
| Minimum $25,000 to $49,999.99 | |
| 0.80% | 0.80% |
| Minimum $50,000 to $99,999.99 | |
| 0.90% | 0.90% |
| $100,000 and above | |
| 0.99% | 1.00% |
*APY = Annual Percentage Yield. Rates are subject to change without prior notification. Fees may reduce earnings.
| Dividend Rate | APY* | Minimum Balance |
|---|---|---|
| Amped Checking | ||
| Balances up to $10,000 | ||
| 4.89% | 5.00% | $0.01 to $10,000 |
| Balances $10,000.01 and above | ||
| 0.01% | 5.00% - 0.01% | $10,000.01 and above |
*APY = Annual Percentage Yield. Rates are subject to change without prior notification. Fees may reduce earnings.
| Term | Dividend Rate | APY* |
|---|---|---|
| Minimum Deposit $50 and above | ||
| 3 Month | 1.10% | 1.10% |
| 6 Month | 1.50% | 1.51% |
| 12 Month | 2.15% | 2.17% |
| 18 Month | 1.90% | 1.92% |
| 24 Month | 2.10% | 2.12% |
| 36 Month | 2.30% | 2.33% |
| 48 Month | 2.50% | 2.53% |
| 60 Month | 2.70% | 2.73% |
| CD Special - Minimum Deposit $500 and above† | ||
| 4 Month | 3.93% | 4.00% |
| Youth Certificates - $50 minimum deposit. Includes "add-on" feature, and receive a rate increase every time the CD is renewed. | ||
| 3 Month | 1.35% | 1.36% |
| 6 Month | 1.75% | 1.77% |
| 12 Month | 2.40% | 2.43% |
| 24 Month | 2.35% | 2.38% |
| 36 Month | 2.55% | 2.58% |
| 48 Month | 2.75% | 2.79% |
| 60 Month | 2.95% | 2.99% |
*APY = Annual Percentage Yield. Fees may reduce earnings. Federally insured by the NCUA.
†APY = Annual Percentage Yield. APY is accurate as of February 1, 2025. Fees may reduce earnings. To receive the promotional rate of 4.00% APY, the 4-month CD must be opened with a minimum of $500. Rates are subject to change without prior notification. Penalties will apply for withdrawal before the maturity date of the CD. Dividends are posted monthly. Limited time offer. Federally insured by the NCUA.
loan rates
| Term | APR* as Low as |
|---|---|
| Model Years 2021 to 2025 | |
| Up to 60 Months | 4.99% |
| 61 to 72 Months | 6.49% |
| 73 to 84 Months | 7.49% |
| Model Years 2015 to 2020 | |
| Up to 60 Months | 4.99% |
| 61 to 72 Months | 6.49% |
| 73 to 84 Months | 7.49% |
*APR=Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Payment Example: $20,000 at 6.25% APR for 60 months equals $389.03 per month. 60-month financing requires a minimum loan amount of $5,000. 61-72-month financing requires a minimum loan amount of $15,000. 73-84-month financing requires a minimum loan amount of $20,000.
| Term | APR* as Low as |
|---|---|
| Up to 72 Months | 7.99% |
| 73 to 119 Months | 8.29% |
| 120 to 240 Months | 8.99% |
*APR=Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Payment Example: $20,000 at 6.75% for 84 months equals $299.47 monthly. 84-month financing requires a minimum loan amount of $5,000. 85-120-month financing requires a minimum loan amount of $35,000. >120 months of financing requires a minimum loan amount of $50,000.
| Term | APR* as Low as |
|---|---|
| Up to 72 Months | 8.29% |
| 73 to 119 Months | 8.59% |
| 120 to 180 Months | 9.29% |
*APR=Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Payment Example: $12,000 at 6.75% for 48 months equals $476.65 monthly. 48-month financing requires a minimum loan amount of $5,000. 49-60-month financing requires a minimum loan amount of $10,000. 72-month financing requires a minimum loan amount of $15,000.
| Term | APR* as Low as |
|---|---|
| 0 to 60 Months | 10.99% |
*APR=Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Payment Example: $5,000 at 9.25% for 24 months equals $229.02 monthly. 24-month financing requires a minimum loan amount of $2,000. The Maximum Personal Loan amount is $50,000.
| Name | APR* as Low as |
|---|---|
| Overdraft Line-of-Credit | 13.50% |
| Revolving Line-of-Credit | 13.50% |
| Home Equity Line of Credit (HELOC) | 7.50% |
| Visa Platinum Rewards Credit Card† | 12.99% |
| Credit Builder Step 1 Loan | 18.00% |
| Credit Builder Step 2 Loan | 15.00% |
| Share or Certificate (CD) Secured Loan | Consult Credit Union |
*APR=Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Regular monthly payments will be determined based on the rate, term selected, and individual loan amount. Payment Example: $100,000 at 4.375% is a monthly principal and interest payment of $499.29. or $4.99 for each $1,000.00 borrowed. This is based on a loan-to-value ratio of 80% and 20% down.
†APR=Annual Percentage Rate. After the six-month introductory period, the rate is the same as the purchase rate. There are no Balance Transfers or Cash Advance fees. Foreign Transaction Fees are 1.00% of each transaction in US Dollars. If you are charged interest, the charge will be no less than $1.00. Late Payment Fees are up to $29.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles after the initial payment, you will be charged $40.00 or the amount of the minimum payment, whichever is less. All rates are variable, based on Prime Rate. Actual APR based on credit history. Subject to credit approval. Rates are subject to change without notice. 0.00% Introductory APR for 6 billing cycles from the date of account opening of balance transfers. After that, the standard APR will be 12.99% to 17.50%, depending on your credit history.