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Rates effective as of November 1, 2018. Call (800) 822-6875 for current rates.

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


Share SavingsLearn More

Min. Daily Avg. Balance Interest Rate APY
Less than $100.00 0.00% 0.00%
$100.01 or more 0.05% 0.05%

Free CheckingLearn More

Min. Daily Avg. Balance Interest Rate APY
$0.00 0.00% 0.00%

Holiday & Vacation ClubLearn More

Min. Daily Avg. Balance Interest Rate APY
$5.00 or more  0.05%  0.05% 

Individual Retirement Accounts1Learn More

Min. Daily Avg. Balance Interest Rate APY
$0.00 0.25% 0.25%

High Yield Money Market2Learn More

Daily Avg. Balance/Min. Deposit Interest Rate APY
$1.00 - $2,499.99 0.00% 0.00%
$2,500.00 - $74,999.99 0.40% 0.40%
$75,000.00 - $174,999.99 0.60% 0.60%
$175,000.00 or more 0.80%  0.80%

Regular & IRA Certificates3Learn More

Term Daily Avg. Balance/Min. Deposit Interest Rate APY
6 months $500.00 1.60% 1.61%
12 months $500.00 2.00% 2.02%
24 months $500.00 2.30% 2.33%
36 months $500.00 2.50% 2.53%
48 months $500.00 2.75% 2.79%
60 months $500.00 3.00% 3.05%

Bonus Certificate3Learn More

Term Daily Avg. Balance/Min. Deposit Interest Rate APY
24 months $50,000.00 2.40% 2.43%
36 months $50,000.00 2.60% 2.63%
48 months $50,000.00 2.85% 2.89%
60 months $50,000.00 3.10% 3.15%

Dividends are calculated based on average daily balance, paid and compounded monthly.

¹ – 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 preauthorized electronic withdrawals allowed monthly. Dividend rate declared and paid monthly.

³ – Interest is calculated, 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 LoansLearn More

Term APR w/ Auto Pay Discount
up to 36 months as low as 1.99% as low as 1.89%
37 - 48 months as low as 3.24% as low as 3.14%
49 - 60 months as low as 3.49% as low as 3.39%
61 - 72 months as low as 3.74% as low as 3.64%
73 - 84 months as low as 4.49% as low as 4.39%

Motorcycle LoansLearn More

Term APR w/ Auto Pay Discount
48 months or less as low as 3.99% as low as 3.89%
49 - 60 months as low as 4.99% as low as 4.89%

Personal LoansLearn More

Term APR w/ Auto Pay Discount
12 months or less as low as 6.49% as low as 6.39%
13 - 24 months as low as 7.49% as low as 7.39%
25 - 36 months as low as 8.49% as low as 8.39%
37 - 48 months as low as 9.49% as low as 9.39%
49 - 60 months as low as 10.49% as low as 10.39%
61 - 72 months as low as 11.49% as low as 11.39%

Boat & RV LoansLearn More

Term APR w/ Auto Pay Discount
48 months or less 5.50% 5.40%
49 - 60 months 6.00% 5.90%

Visa - VariableLearn More

Credit Limit APR Payment
$500 - $20,000 as low as 10.74% 2.5% of balance

Your actual rate may vary.

First Mortgage Product Rates

2nd Lien HE Loans

Home Equity Loan - Fixed 5 year 10 year 15 year
up to 70% Loan to Value as low as 3.000% as low as 3.500% as low as 4.000%
70.01% - 75% Loan to Value as low as 3.250% as low as 3.750% as low as 4.250%
75.01% - 80% Loan to Value as low as 3.750% as low as 4.250% as low as 4.750%
80.01% - 85% Loan to Value as low as 4.750% as low as 5.250% as low as 5.750%
85.01% - 90% Loan to Value as low as 5.000% as low as 5.500% as low as 6.000%

1st Lien HE loans (no 1st mortgage)

Home Equity Loan - Fixed 5 year 10 year 15 year
up to 70% Loan to Value as low as 3.000% as low as 3.250% as low as 3.750%
70.01% - 75% Loan to Value as low as 3.000% as low as 3.625% as low as 4.000%
75.01% - 80% Loan to Value as low as 3.250% as low as 3.500% as low as 4.125%
80.01% - 85% Loan to Value as low as 3.500% as low as 4.000% as low as 4.375%
85.01% - 90% Loan to Value as low as 3.750% as low as 4.250% as low as 4.500%

Home Equity Line of CreditLearn More

Loan to Value Term APR
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.

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 5.25%. The maximum rate is 18%.

² – Homeowners insurance is required on all mortgage products.

Other Rates

Loan Type Details
CU Cash & Overdraft Line of Credit as low as WSJ Prime plus 5% (currently 10.25%) adjusted monthly
Share Secured Fixed Rate: 3% above dividend rate (Up to amount in secured account)