Rates

Rates as of September 24, 2023. Rates are subject to change without notice.

Deposit Rates

Certificate & IRA Rates

Loan Rates

Business Rates

Deposit Rates

Regular Savings Rates
balance rate apy
$250.00 and above 0.10% 0.10%

APY= Annual Percentage Yield. The minimum balance to open is $25.00. Minimum balance to earn $250.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds. Rates as of September 24, 2023. Rates are subject to change without notice.

Additional Savings Rates
balance rate apy
$250.00 and above 0.10% 0.10%

APY= Annual Percentage Yield. Minimum balance to open $0.00. Minimum balance to earn $250.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds. Rates as of September 24, 2023. Rates are subject to change without notice.

IRA & SEP Savings Rates
balance rate apy
$50.00 and above 1.50% 1.51%

APY= Annual Percentage Yield. Minimum balance to open $50.00. Minimum balance to earn $50.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date. Rates as of September 24, 2023. Rates are subject to change without notice.

Summer Savings & Holiday Club Rates
balance rate apy
$250.00 and above 0.10% 0.10%

APY= Annual Percentage Yield. Minimum balance to open $5.00. Minimum balance to earn $250.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds. Rates as of September 24, 2023. Rates are subject to change without notice.

Roary & CU Succeed Savings Rates
balance rate apy
$50.00 and above 0.10% 0.10%

APY= Annual Percentage Yield. Minimum balance to open $25.00. Minimum balance to earn $50.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds. Rates as of September 24, 2023. Rates are subject to change without notice.

Prime Spending Account Rates
balance rate apy
$5,000.00 and above 0.35% 0.35%

APY= Annual Percentage Yield. Minimum balance to open $100.00. Minimum balance to earn $5,000.00. Paid quarterly with a daily balance of $5,000.00. Monthly maintenance fee of $9.00 (Waive the monthly service fee by: (1) maintain an average daily balance of $5,000.00 or more; or (2) monthly direct deposits totaling at least $1,000.00 and 20 debit card transactions per month (PIN or Signature). Fees could reduce earnings on the account. Rates as of September 24, 2023. Rates are subject to change without notice.

Direct Spending Account Rates
balance rate apy
$0.00 and above 0.00% 0.00%

APY= Annual Percentage Yield. Minimum balance to open $50.00. $5.00 monthly maintenance fees. Non-dividend account. Rates as of September 24, 2023. Rates are subject to change without notice.

Daily Spending Account Rates
balance rate apy
$0.00 and above 0.00% 0.00%

APY= Annual Percentage Yield. Minimum balance to open $0.00. No monthly maintenance fees. Non-dividend account. Rates as of September 24, 2023. Rates are subject to change without notice.

Empower Checking Rates
balance rate apy
$0.00 and above 0.00% 0.00%

APY= Annual Percentage Yield. Minimum balance to open $25.00. Monthly maintenance fee of $20.00. Non-dividend account. Rates as of September 24, 2023. Rates are subject to change without notice.

CU Succeed Checking Rates
balance rate apy
$0.00 and above 0.00% 0.00%

APY= Annual Percentage Yield. Minimum balance to open $0.00. No monthly maintenance fees. Non-dividend account. Rates as of September 24, 2023. Rates are subject to change without notice.

Money Market Rates
balance rate apy
$0.00 – $2,499.99 0.00% 0.00%
$2,500.00 – $24,999.99 2.50% 2.53%
$25,000.00 - $99,999.99 2.25% 2.27%
$100,000.00 and above 2.00% 2.02%

APY= Annual Percentage Yield. The minimum balance to open is $2,500.00. The minimum balance to earn is $2,500.00. Fees could reduce earnings on the account. Limit one money market account per membership. Rates as of September 24, 2023. Rates are subject to change without notice.

Executive Suite Money Market
balance rate apy
$0.00 – $2,499.99 0.00% 0.00%
$2,500.00 – $24,999.99 2.50% 2.53%
$25,000.00 – $99,999.99 2.25% 2.27%
$100,000.00 and above 2.00% 2.02%

APY= Annual Percentage Yield. The minimum balance to open is $2,500.00. The minimum balance to earn is $2,500.00. Fees could reduce earnings on the account. Rates as of September 24, 2023. Rates are subject to change without notice.

Certificate & IRA Rates

Regular Certificates up to

5.12% APY

IRA Certificates up to

5.38% APY

Regular Certificate Rates
term rate apy
3 months 3.25% 3.30%
6 months 3.50% 3.56%
12 months 3.65% 3.71%
15 months* 5.00% 5.12%
24 months 3.75% 3.82%
36 months 3.90% 3.97%
48 months 4.25% 4.33%
60 months 4.35% 4.44%

APY= Annual Percentage Yield. The minimum balance to open a Regular Certificate is $500.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings. *APY= Annual Percentage Yield. 15-month Regular Certificate offer for a limited time. Offer may be withdrawn without notice. The minimum balance to open a 15-month Regular Certificate is $2,500.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings. The 15-month Regular Certificate will renew into a 12-month Regular Certificate at maturity. Rates as of September 24, 2023. Rates are subject to change without notice.

Save to Win® Certificate Rates
term amount rate apy
12 months $25.00 - $4,999.99 3.75% 3.82%
12 months $5,000.00 and above 3.65% 3.71%

APY= Annual Percentage Yield. The minimum balance to open a Save to Win® Certificate is $25.00. The certificate has a 12-month term. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings. Rates as of September 24, 2023. Rates are subject to change without notice.

IRA Certificate Rates
term rate apy
3 months 3.50% 3.56%
6 months 3.75% 3.82%
12 months 3.90% 3.97%
15 months* 5.25% 5.38%
24 months 4.00% 4.07%
36 months 4.15% 4.23%
48 months 4.50% 4.59%
60 months 4.60% 4.70%

APY= Annual Percentage Yield. The minimum balance to open IRA Certificate is $500.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. *APY= Annual Percentage Yield. 15-month Regular Certificate offer for a limited time. Offer may be withdrawn without notice. The minimum balance to open a 15-month Regular Certificate is $2,500.00. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date, and fees may reduce earnings. The 15-month Regular Certificate will renew into a 12-month Regular Certificate at maturity. Rates as of September 24, 2023. Rates are subject to change without notice.

Flex Certificate Rates
term rate apy
3 months 3.25% 3.30%
6 months 3.50% 3.56%
12 months 3.65% 3.71%
24 months 3.75% 3.82%

APY= Annual Percentage Yield. The minimum balance to open Flex Certificate is $250.00. Any term 3-24 months. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds prior to the maturity date and fees may reduce earnings. Rates as of September 24, 2023. Rates are subject to change without notice.

Loan Rates

New & Used Auto Rates As Low As

5.99% APR

Adventure Loan Rates As Low As

6.99% APR

New and Used Auto Loans
loan term apr
36 months or less as low as 5.99% APR
37 - 48 months as low as 6.49% APR
49 - 60 months as low as 6.69% APR
61 - 72 months as low as 6.99% APR
73 - 78 months as low as 7.49% APR
79 - 84 months as low as 7.99% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of September 24, 2023. Rates are subject to change without notice.

Adventure Loans (Motorcycles, ATVs, Boats, and RVs)
loan term apr
36 months or less as low as 6.99% APR
37 - 48 months as low as 7.14% APR
49 - 60 months as low as 7.39% APR
61 - 72 months as low as 7.84% APR
73 - 84 months as low as 8.19% APR
85 - 96 months as low as 8.69% APR
97 - 120 months as low as 9.19% APR
121 - 180 months as low as 9.69% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of September 24, 2023. Rates are subject to change without notice.

Personal Loans
loan term apr
12 months or less as low as 9.99% APR
13 - 24 months as low as 10.49% APR
25 - 36 months as low as 10.99% APR
37 - 48 months as low as 11.49% APR
49 - 60 months as low as 11.99% APR

Personal Loan Loyalty Discount: Members can receive an additional rate discount for Personal Loans based on their length of membership. A 1.00% APR discount is offered to memberships of more than 5 years. A 0.50% APR discount is offered to memberships between 1 and 5 years. Excludes Lines of Credit, Credit Cards, and Home Improvement Personal Loans. Restrictions may apply; see credit union for details. APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of September 24, 2023. Rates are subject to change without notice.

Line of Credit
APR
Rates as low as 11.99% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of September 24, 2023. Rates are subject to change without notice.

Home Improvement Personal Loans
APR
Rates as low as 7.99% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. Restrictions may apply; see credit union for details. Rates as of September 24, 2023. Rates are subject to change without notice.

Partially Secured Loan
APR
as low as 11.99% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of September 24, 2023. Rates are subject to change without notice.

Savings Builder & Credit Builder Loans
APR
as low as 10.99% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of September 24, 2023. Rates are subject to change without notice.

Citizenship Loans
loan term apr
Getting Started 12 month 9.74% APR or 0.00% APR with an up-front application fee
Road to Citizenship 24 month 10.24% APR or 0.00% APR with an up-front application fee

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of September 24, 2023. Rates are subject to change without notice.

Business

Executive Suite Business Savings
APR
We have an account to fit your needs. Contact a Business Development Officer for details. Call 214-319-3100.

APR= Annual Percentage Yield. Rates as of September 24, 2023. Rates are subject to change without notice.

Executive Suite Money Market
balance rate apy
$0.00 – $2,499.99 0.00% 0.00%
$2,500.00 – $24,999.99 2.50% 2.53%
$25,000.00 – $99,999.99 2.00% 2.02%
$100,000 and above 2.25% 2.27%

APY= Annual Percentage Yield. The minimum balance to open is $2,500.00. The minimum balance to earn is $2,500.00. Fees could reduce earnings on the account. Rates as of September 24, 2023. Rates are subject to change without notice.

Executive Suite Flex Certificate of Deposit
term rate apy
3 months 3.25% 3.30%
6 months 3.50% 3.56%
12 months 3.65% 3.71%
24 months 3.75% 3.82%

APY= Annual Percentage Yield. Minimum balance to open $1,000.00. Fees could reduce earnings on the account. All CDs are subject to a penalty for early withdrawal. Rates as of September 24, 2023. Rates are subject to change without notice.