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rates

Rates

  • Deposits
  • Loans
  • Business Deposits
  • Money Market Accounts1

    Account TypeAnnual Percentage YieldDividendMin. Balance
    Premier Money Market0.05%0.05%$0.00
    Premier Money Market0.10%0.10%$1,000.00
    Premier Money Market0.15%0.15%$10,000.00
    Premier Money Market0.20%0.20%$25,000.00
    Premier Money Market0.25%0.25%$100,000.00
    Performance Plus Money Market0.05%0.05%$0.00
    Performance Plus Money Market0.15%0.15%$2,500.00
    Performance Plus Money Market0.20%0.20%$10,000.00
    Performance Plus Money Market0.25%0.25%$25,000.00
    Performance Plus Money Market0.30%0.30%$100,000.00
    Performance Plus IRA Money Market0.05%0.05%$0.00
    Performance Plus IRA Money Market0.15%0.15%$2,500.00
    Performance Plus IRA Money Market0.20%0.20%$10,000.00
    Performance Plus IRA Money Market0.25%0.25%$25,000.00
    Performance Plus IRA Money Market0.30%0.30%$100,000.00
    Select Money Market0.05%0.05%$0.00
    Select Money Market0.25%0.25%$5,000.00
    Select Money Market0.30%0.30%$25,000.00
    Select Money Market0.35%0.35%$100,000.00
    Select IRA Money Market0.05%0.05%$0.00
    Select IRA Money Market0.25%0.25%$5,000.00
    Select IRA Money Market0.30%0.30%$25,000.00
    Select IRA Money Market0.35%0.35%$100,000.00
    Investor's Money Market20.05%0.05%$0.00
    Investor's Money Market20.25%0.25%$10,000.00
    Investor's Money Market20.30%0.30%$25,000.00
    Investor's Money Market20.35%0.35%$50,000.00
    Investor's Money Market20.40%0.40%$100,000.00
    (1) Money Market rates are accurate as of May 6, 2015. Money Market rates are subject to change weekly. Please see our Account Terms and Truth in Savings disclosures for more information about dividends and your accounts. (2) The Investor's Money Market account is only available to members who have a relationship with Members Financial Services, which is affiliated with the Credit Union.

    Regular & IRA Certificates1

    Account TypeAnnual Percentage YieldDividendMin. Balance
    3 month term20.15%0.15%$250.00
    3 month term20.15%0.15%$5,000.00
    3 month term20.20%0.20%$25,000.00
    3 month term20.25%0.25%$100,000.00
    6 month term0.25%0.25%$250.00
    6 month term0.25%0.25%$5,000.00
    6 month term0.30%0.30%$25,000.00
    6 month term0.35%0.35%$100,000.00
    12 month term0.30%0.30%$250.00
    12 month term0.30%0.30%$5,000.00
    12 month term0.35%0.35%$25,000.00
    12 month term0.40%0.40%$100,000.00
    14 month term30.20%0.20%$250.00
    14 month term30.20%0.20%$5,000.00
    14 month term30.25%0.25%$25,000.00
    14 month term30.30%0.30%$100,000.00
    18 month term0.40%0.40%$250.00
    18 month term0.45%0.45%$5000.00
    18 month term0.50%0.50%$25,000.00
    18 month term0.55%0.55%$100,000.00
    24 month term0.50%0.50%$250.00
    24 month term0.55%0.55%$5,000.00
    24 month term0.60%0.60%$25,000.00
    24 month term0.70%0.70%$100,000.00
    24 month Flex0.40%0.40%$250.00
    24 month Flex0.45%0.45%$5,000.00
    24 month Flex0.50%0.50%$25,000.00
    24 month Flex0.60%0.60%$100,000.00
    36 month term0.85%0.85%$250.00
    36 month term0.90%0.90%$5,000.00
    36 month term0.95%0.95%$25,000.00
    36 month term1.05%1.04%$100,000.00
    48 month term1.20%1.19%$250.00
    48 month term1.25%1.24%$5,000.00
    48 month term1.30%1.29%$25,000.00
    48 month term1.40%1.39%$100,000.00
    60 month term1.40%1.39%$250.00
    60 month term1.45%1.44%$5,000.00
    60 month term1.50%1.49%$25,000.00
    60 month term1.60%1.59%$100,000.00
    Dollar Dog0.50%0.50%$100.00
    Dollar Dog0.55%0.55%$5,000.00
    Dollar Dog0.60%0.60%$25,000.00
    Dollar Dog0.70%0.70%$100,000.00
    (1) Certificate rates are accurate as of May 6, 2015. Please see our Account Terms and Truth in Savings disclosures for more information about dividends and your accounts. A penalty may be imposed for early withdrawal. Ask about our special certificate rates. (2) Not available for IRA certificates. (3) Allows members a one-time early withdrawal, for part or all of the principle, without penalty (must be after the first sixty days).

    Checking & Savings Accounts1

    Account TypeAnnual Percentage YieldDividendMin. Balance
    Regular Savings0.15%0.15%$0.00
    Regular Savings0.15%0.15%$1,000.00
    Regular Savings0.15%0.15%$10,000.00
    Regular Savings0.20%0.20%$25,000.00
    Regular Savings0.30%0.30%$100,000.00
    IRA Savings0.15%0.15%$0.00
    IRA Savings0.15%0.15%$1,000.00
    IRA Savings0.15%0.15%$10,000.00
    IRA Savings0.20%0.20%$25,000.00
    IRA Savings0.30%0.30%$100,000.00
    Rainy Day Account0.25%0.25%$0.00
    Save Your Way Account0.25%0.25%$0.00
    Christmas Club0.05%0.05%$0.00
    Vacation Club0.05%0.05%$0.00
    Basic Checking0.05%0.05%$0.00
    Advantage Checking0.05%0.05%$2,500.00
    Senior Advantage Checking0.05%0.05%$0.00
    Health Savings Account0.05%0.05%$0.00
    Health Savings Account0.15%0.15%$1,000.00
    Health Savings Account0.20%0.20%$10,000.00
    Health Savings Account0.25%0.25%$25,000.00
    Health Savings Account0.30%0.30%$100,000.00
    (1) Savings rates are accurate as of May 6, 2015. Savings rates are subject to change monthly as determined by the Board of Directors of the Credit Union. Please see our Account Terms and Truth in Savings disclosures for more information about dividends and your accounts.
  • RV & Boat Loans1

    Account Type ▲TermAPR2
    New/Used Boatup to 60 Mos.Rates From 5.25% to 7.60%
    New/Used Boat61-72 Mos.Rates From 5.70% to 8.10%
    New/Used Boat73-84 Mos.Rates From 6.25% to 7.50%
    New/Used Boatgreater than 84 Mos.Rates From 7.00% to 9.05%
    New/Used RVup to 60 Mos.Rates From 5.25% to 7.60%
    New/Used RV61-72 Mos.Rates From 5.70% to 8.10%
    New/Used RV73-84 Mos.Rates From 6.25% to 7.50%
    New/Used RVgreater than 84 Mos.Rates From 7.00% to 9.05%
    (1) Boat loans include motor, trailer & accessories. RV loans include motorcycles. Loans are subject to credit approval. (2) Annual Percentage Rate (APR) may change without notice. Loan rates are based on credit history, profile, and loan terms. Rate includes 0.25% rate discount for automatic loan payment from a Truliant account. . Example: The monthly payment for a $20,000 2014 boat loan with a 72 month fixed-rate loan at 6% is $331.45.

    Home Equity Lines of Credit & Loans1

    Account Type ▲AmountAPR2
    Home Equity Line of Credit3$10,000-$350,000Variable rates as low as 3.25%
    Home Equity Loan4$10,000-$350,000Fixed rates starting from 4.0%
    (1) All loans are subject to credit approval. Home equity products available in NC, SC, TN, VA, FL & OH only. (2) Advertised Annual Percentage Rate (APR) may change without notice. Rates are based on your credit history and profile. (3) APR is based on The Wall Street Journal Prime Rate and will vary but will not go below the floor rate of 3.25%. The rate on home equity lines of credit tied to prime are adjusted the 1st day of the following month in which the prime rate change occurs. Maximum APR is 18%. (4) Consult your tax advisor on the deductibility of interest. Rate varies based on term.

    Auto Loans1

    Account Type ▲Model YearTermAPR2
    New Auto2014-Newerup to 36 Mos.Rates from 1.74% - 10.075%
    New Auto2014-Newer37-48 Mos.Rates from 1.74% - 10.075%
    New Auto2014-Newer49-60 Mos.Rates from 1.74% - 10.075%
    New Auto2014-Newer61-66 Mos.Rates from 1.99% - 10.325%
    New Auto2014-Newer67-72 Mos.Rates from 2.24% - 6.565%
    New Auto2014-Newer73-84 Mos.Rates from 2.74% - 2.99%
    Used Auto2008-2013up to 36 Mos.Rates from 2.39% - 11.625%
    Used Auto2008-201337-48 Mos.Rates from 2.39% - 11.625%
    Used Auto2008-201349-60 Mos.Rates from 2.39% - 11.625%
    Used Auto2008-201361-66 Mos.Rates from 2.69% - 12.125%
    Used Auto2008-201367-72 Mos.Rates from 3.09% - 7.565%
    Used Auto2005-2007up to 36 Mos.Rates from 3.89% - 9.65%
    Used Auto2005-200737-48 Mos.Rates from 3.89% - 9.65%
    Used Auto2005-200749-60 Mos.Rates from 3.89% - 9.65%
    (1) Loans are subject to credit approval. (2) Advertised Annual Percentage Rate (APR) may change without notice. Loan rates are based on credit history, term and loan-to-value. Rate includes 0.25% rate discount for automatic loan payment from a Truliant account. Additional discounts may apply, including a 0.25% rate discount when purchasing your vehicle through our Credit Union Auto Buying Service (CUABS). Additional discounts may apply for fuel efficient vehicles, for purchasing both VSA and GAP, and for loans with a loan-to-value under 90%. Total maximum discount is 0.50%. All auto loan rates, including promotional rates and discounts, are subject to a 1.74% minimum APR for new autos, 2.14% minimum APR for 2008-2013 autos and 3.64% minimum APR for 2005-2007 autos. Example: The monthly payment for a $20,000 2015 new auto with a 48 month fixed-rate loan at 2.49% is $438.24.

    Mortgage Loans

    Rates subject to change daily for purchases and refinances. For the most current rates, products, and closing costs, click here or call 800-822-0382, ext. 6398.

    Credit Cards & Lines of Credit1

    Account Type ▲APR2Comments
    Business VISA Credit Card9.15%3variable rate (prime + 5.9%)
    Personal Convenience (Debt Consolidation) Loan7.99%-8.99%Loan amounts of $500-$15,000. Terms between 12 and 60 months. Fixed rate.
    Preferred Line of Credit / Overdraft Protection6.5%-11.25%variable rate with minimum rate of 6.5%. Rate base on amount of loan
    Savings-Secured Line of Credit0.30% plus 3%variable rate (highest tiered rate on the regular share account)
    VISA Credit Card8.15%3variable rate (prime+4.9%)
    VISA Credit Card14.90%4fixed rate
    VISA Platinum9.90%4$5,000 min. credit limit - fixed rate
    (1) Subject to credit approval. (2) Advertised Annual Percentage Rate (APR) may change without notice. (3) VISA variable rate adjusted quarterly based on The Wall Street Journal prime rate posted on the preceding 25th of the month. (4) VISA fixed rate adjusted daily based on The Wall Street Journal prime rate posted on the preceding business day.
  • Business Checking & Savings Accounts1

    Account TypeAnnual Percentage YieldDividendMin. Balance
    Business Savings0.15%0.15%$5.00
    Business Savings0.15%0.15%$1,000
    Business Savings0.15%0.15%$10,000.00
    Business Savings0.20%0.20%$25,000.00
    Business Savings0.30%0.30%$100,000.00
    Business Checking0.05%0.05%$0.00
    Business Checking0.10%0.10%$25,000.00
    Business Checking0.15%0.15%$100,000.00
    Basic Business Checking0.05%0.05%$0.00
    (1) Savings rates are accurate as of May 6, 2015. Savings rates are subject to change monthly as determined by the Board of Directors of the Credit Union.

    Business Money Market & Certificates1

    Account TypeAnnual Percentage YieldDividendMin. Balance
    Business Money Market0.25%0.25%$2,500.00
    Business Money Market0.30%0.30%$25,000.00
    Business Money Market0.35%0.35%$100,000.00
    Business Money Market0.45%0.45%$250,000.00
    Business Money Market0.50%0.50%$500,000.00
    Business Money Market0.55%0.55%$1,000,000.00
    3 month term0.15%0.15%$250.00
    3 month term0.15%0.15%$5,000.00
    3 month term0.20%0.20%$25,000.00
    3 month term0.25%0.25%$100,000.00
    6 month term0.25%0.25%$250.00
    6 month term0.25%0.25%$5,000.00
    6 month term0.30%0.30%$25,000.00
    6 month term0.35%0.35%$100,000.00
    12 month term0.30%0.30%$250.00
    12 month term0.30%0.30%$5,000.00
    12 month term0.35%0.35%$25,000.00
    12 month term0.40%0.40%$100,000.00
    24 month term0.50%0.50%$250.00
    24 month term0.55%0.55%$5,000.00
    24 month term0.60%0.60%$25,000.00
    24 month term0.70%0.70%$100,000.00
    36 month term0.85%0.85%$250.00
    36 month term0.90%0.90%$5,000.00
    36 month term0.95%0.95%$25,000.00
    36 month term1.05%1.04%$100,000.00
    Money Market rates are subject to change weekly.
    All Certificate rates are fixed and will not be paid until maturity.
    (1) Certificate rates are accurate as of May 6, 2015. Money Market rates are accurate as of May 6, 2015. A penalty may be imposed for early withdrawal.