Rates

Rates as of 10/1/2017.

Call 800-822-6875 for current rates.

APY=Annual Percentage Yield. Rates may change after accounts are opened. Fees may reduce earnings.

Checking & Savings Rates

ProductMin. Daily Avg. BalanceInterest RateAPY
Checking $0.00 0.00% 0.00%
Holiday & Vacation Club Accounts $100.00 or more 0.05% 0.05%

Share Savings

Min. Daily Avg. BalanceInterest RateAPY
Less than $100.00 0.00% 0.00%
$100.01 - $999.99 0.05% 0.05%
$1000 or more 0.05% 0.05%

Investments

ProductTermDaily Avg. Balance/Min. DepositInterest RateAPY
Individual Retirement Accounts¹ N/A $0.00 0.25% 0.25%

High Yield Money Market²

Daily Avg. Balance/Min. DepositInterest RateAPY
$100.00 - $2,499.99 0.00% 0.00%
$2,500.00 - $74,999.99 0.25% 0.25%
$75,000.00 - $174,999.99 0.30% 0.30%
$175,000.00 or more 0.40% 0.40%

Regular & IRA Certificates³

TermDaily Avg. Balance/Min. DepositInterest RateAPY
6 months $500.00 0.60% 0.60%
12 months $500.00 0.85% 0.85%
24 months $500.00 1.15% 1.16%
36 months $500.00 1.40% 1.41%
48 months $500.00 1.70% 1.71%
60 months $500.00 2.05% 2.07%

Bonus Certificate

TermDaily Avg. Balance/Min. DepositInterest RateAPY
24 months $50,000.00 1.25% 1.26%
36 months $50,000.00 1.50% 1.51%
48 months $50,000.00 1.80% 1.81%
60 months $50,000.00 2.15% 2.17%

Dividends are calculated based on average daily balance, paid and compounded monthly. ¹ - Yearly contributions of $3000 may be deposited ($2000 for education IRA). Contributions may be tax deductible. Early withdrawals may be subject to IRS penalties. Rollovers and transfers accepted. Dividend rate declared and paid monthly. ² - 6 transactions/withdrawals allowed monthly. Dividend rate declared and paid monthly. ³ - Interest is calculated daily, paid and compounded monthly. Early IRA withdrawals may be subject to IRS penalties. Early withdrawals also subject to Advantage Financial FCU penalties. Rollovers and transfers accepted. Certificate rates subject to change weekly.

Auto Loans

TermAPR*w/ Auto Pay Discount
up to 36 months As low as 1.24% As low as 1.14%
37 - 48 months As low as 1.49% As low as 1.39%
49 - 60 months As low as 1.99% As low as 1.89%
61 - 72 months As low as 2.99% As low as 2.89%
73 - 84 months As low as 3.99% As low as 3.89%

*Annual Percentage Rate

Motorcycle Loans

TermAPR*w/ Auto Pay Discount
up to 48 months As low as 3.99% N/A
49 - 60 months As low as 4.99% N/A

*Annual Percentage Rate

Personal Loans

TermAPR*w/ Auto Pay Discount
12 months or less As low as 5.49% N/A
13 - 24 months As low as 6.49% N/A
25 - 36 months As low as 7.49% N/A
37 - 48 months As low as 8.49% N/A
49 - 60 months As low as 9.49% N/A

*Annual Percentage Rate

Boat & RV Loans

TermAPR*w/ Auto Pay Discount
48 months or less 5.50% N/A
48 - 60 months 6.00% N/A

*Annual Percentage Rate

Visa - Variable

Credit LimitAPR*Payment
$500 - $20,000 As low as 9.74% 2.5% of balance

Your actual rate may vary

*Annual Percentage Rate

Mortgage Product Rates

2nd Lien HE Loans

Home Equity Loan - Fixed5 year10 year15 year
Up to 70% Loan to Value as low as 2.250% as low as 2.750% as low as 3.250%
70.01% - 75% Loan to Value as low as 2.500% as low as 3.000% as low as 3.500%
75.01% - 80% Loan to Value as low as 3.000% as low as 3.500% as low as 4.000%
80.01% - 85% Loan to Value as low as 4.000% as low as 4.500% as low as 5.000%
85.01% - 90% Loan to Value as low as 4.500% as low as 5.000% as low as 5.500%

*Annual Percentage Rate

1st Lien HE loans (no 1st mortgage)

Home Equity Loan - Fixed5 year10 year15 year
Up to 70% Loan to Value as low as 2.250% as low as 2.500% as low as 3.250%
70.01% - 75% Loan to Value as low as 2.375% as low as 2.675% as low as 3.625%
75.01% - 80% Loan to Value as low as 2.500% as low as 2.750% as low as 3.750%
80.01% - 85% Loan to Value as low as 2.750% as low as 3.000% as low as 4.000%
85.01% - 90% Loan to Value as low as 3.250% as low as 4.000% as low as 4.500%

*Annual Percentage Rate

Home Equity Line of Credit

Loan to ValueTermAPR
up to 80% Variable WSJ Prime -0.5%¹
80.01% - 85% Variable WSJ Prime +0.5%¹
85.01% - 90% Variable WSJ Prime +1.0%¹

Your actual rate may vary

*Annual Percentage Rate

¹ - Prime Rate is based upon the Wall Street Journal Prime interest rate rounded to the nearest 1/4%(index), plus the applicable margin. Current WSJ Prime Rate is 4.25%. The maximum rate is 18%.

² - Homeowners insurance is required on all mortgage products.

Other Rates