ALERT
The credit union will never ask you for any Online or Mobile Banking information. If you receive a call from someone claiming to be with the credit union asking for any sensitive information, do not provide the requested information. Hang up and contact the credit union at (209) 549-8500 or (559) 225-7228.
| Savings Accounts | Rates effective as of July 28, 2023 | ||
|---|---|---|---|
| Balance | APY 1 | Dividend Rate | |
| Primary Share | Up to $999.99 | 0.00% | 0.00% |
| $1,000 - $29,999.99 | 0.03% | 0.03% | |
| $30,000 - $74,999.99 | 0.07% | 0.07% | |
| $75,000 - $99,999.99 | 0.10% | 0.10% | |
| $100,000 - $124,999.99 | 0.12% | 0.12% | |
| $125,000 and greater | 0.15% | 0.15% | |
| Purple Savings3 | Greater than $10,000 | 0.10% | 0.10% |
| Up to $10,000 | 3.50% | 3.45% | |
| Consumer Money Market | Up to $9,999.99 | 0.07% | 0.07% |
| $10,000 - $24,999.99 | 0.10% | 0.10% | |
| $25,000 - $49,999.99 | 0.12% | 0.12% | |
| $50,000 - $249,999.99 | 0.20% | 0.20% | |
| $250,000 and greater | 0.20% | 0.20% | |
| Business Money Market | Up to to $999.99 | 4.00% | 3.93% |
| $1,000 - $9,999.99 | 4.00% | 3.93% | |
| $10,000 - $99,999.99 | 4.00% | 3.93% | |
| $100,000 - $248,999.99 | 4.00% | 3.93% | |
| $250,000 - $499,999.99 | 4.00% | 3.93% | |
| $500,000 and up | 4.00% | 3.93% | |
| Club Account2 | Any | 0.05% | 0.05% |
| Regular IRA | Any | 0.15% | 0.15% |
| Youth Accounts | Rates effective as of July 28, 2023 | ||
|---|---|---|---|
| Balance | APY 1 | Dividend Rate | |
|
Starter Savings
|
$1 or greater | 0.05% | 0.05% |
|
Adventure Savers
|
$1 or greater | 0.05% | 0.05% |
|
Frequency Savings
|
$10 or greater | 0.05% | 0.05% |
| Certificates | Rates effective as of July 28, 2023 | ||||
|---|---|---|---|---|---|
|
|
Minimum Balance | Terms | APY 1 | Dividend Rate | |
|
Regular Share Certificate2 |
$1,000 | 6 Months | 0.08% | 0.08% | |
| 9 Months | 0.08% | 0.08% | |||
| 12 Months | 0.33% | 0.33% | |||
| 18 Months | 0.43% | 0.43% | |||
| 24 Months | 0.60% | 0.60% | |||
| 36 Months | 0.70% | 0.70% | |||
|
Premium Share Certificate2
|
$10,000 | 6 Months | 0.18% | 0.18% | |
| 9 Months | 4.25% | 4.17% | |||
| 12 Months | 4.25% | 4.17% | |||
| 18 Months | 3.00% | 2.96% | |||
| 24 Months | 4.50% | 4.41% | |||
| 36 Months | 2.50% | 2.47% | |||
| 48 Months | 2.55% | 2.52% | |||
| 60 Months | 2.60% | 2.57% | |||
| Adventure Savers Share Certificate2 | $250 | 3 Months | 0.05% | 0.05% | |
| Frequency Share Certificate2 | $500 | 3 Months | 0.10% | 0.10% | |
| Regular IRA Share Certificate2 | $1,000 | 6 Months | 0.08% | 0.08% | |
| 9 Months | 0.08% | 0.08% | |||
| 12 Months | 0.33% | 0.33% | |||
| 18 Months | 0.43% | 0.43% | |||
| 24 Months | 0.60% | 0.60% | |||
| 36 Months | 0.70% | 0.70% | |||
| Premium IRA Share Certificate2 | $10,000 | 6 Months | 0.18% | 0.18% | |
| 9 Months | 4.25% | 4.17% | |||
| 12 Months | 4.25% | 4.17% | |||
| 18 Months | 3.00% | 2.96% | |||
| 24 Months | 4.50% | 4.41% | |||
| 36 Months | 2.50% | 2.47% | |||
| 48 Months | 2.55% | 2.52% | |||
| 60 Months | 2.60% | 2.57% | |||
1APY=Annual Percentage Yield. APYs accurate as of the last dividend declaration date of 7/28/2023. Variable rate accounts. Rates, terms and conditions are subject to change anytime after account opening, as determined by the credit union, except that share certificate accounts remain fixed until maturity. Fees may reduce earnings. For dividend-bearing accounts, dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in your account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
2Term Share (Certificate) Accounts will mature as reflected above (with a maturity ranging from 3 to 60 months) and the maturity date will be stated on the certificate provided to you at the time of opening your account. A penalty may be imposed if any funds are withdrawn from the account prior to the maturity date.
3To open a Purple Savings Account and receive the 3.50% APY, at least $2,500 must be from new deposits to the credit union. Must have a Primary Share and Purple Checking account.
| Impact Business Checking1 | Rates effective as of May 22, 2023 | |
|---|---|---|
| Minimum Balance | APY2 | Dividend Rate |
| Up to $249,999.99 | 0.00% | 0.00% |
| $250,000 or greater | 0.15% | 0.15% |
1 $100 minimum balance to open an account
2 APY=Annual Percentage Yield. APYs accurate as of the last dividend declaration date of 12/16/2022. Variable rate accounts, Rates, terms and conditions are subject to change anytime after account opening, as determined by the credit union. Fees may reduce earnings. For dividend-bearing accounts, dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in your account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
|
Auto, Truck, SUV (New & Used 2013 - 2023)1
Mileage cannot exceed 200k miles.
|
Effective Date: June 23, 2023 | |
|---|---|---|
| Minimum Loan Amount | Term in Months | APR2 As Low As |
| $5,000 | 12-48 | 6.54% |
| $7,500 | 49-60 | 7.24% |
| $10,000 | 61-66 | 7.44% |
| $15,000 | 67-72 | 7.64% |
| $15,000 | 73-84 | 7.94% |
1 APR=Annual Percentage Rate. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval.
2 For 48 monthly payments at 6.54% APR the repayment amount would be $23.75 per $1,000 borrowed.
2 For 60 monthly payments at 7.24% APR the repayment amount would be $19.93 per $1,000 borrowed.
2 For 66 monthly payments at 7.44% APR the repayment amount would be $18.52 per $1,000 borrowed.
2 For 72 monthly payments at 7.64% APR the repayment amount would be $17.37 per $1,000 borrowed.
2 For 84 monthly payments at 7.94% APR the repayment amount would be $15.57 per $1,000 borrowed.
|
Auto, Truck, SUV (New & Used 2008 - 2012)1
Mileage cannot exceed 200k miles.
|
Effective Date: June 23, 2023 | |
|---|---|---|
| Minimum Loan Amount | Term in Months | APR2 As Low As |
| $5,000 | 12-48 | 7.54% |
| $7,500 | 49-60 | 8.24% |
| $10,000 | 61-66 | 8.44% |
| $15,000 | 67-72 | 8.64% |
| $15,000 | 73-84 | 8.94% |
1 APR=Annual Percentage Rate. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval.
2 For 48 monthly payments at 7.54% APR the repayment amount would be $24.21 per $1,000 borrowed.
2 For 60 monthly payments at 8.24% APR the repayment amount would be $20.40 per $1,000 borrowed.
2 For 66 monthly payments at 8.44% APR the repayment amount would be $19.00 per $1,000 borrowed.
2 For 72 monthly payments at 8.64% APR the repayment amount would be $17.86 per $1,000 borrowed.
2 For 84 monthly payments at 8.94% APR the repayment amount would be $16.07 per $1,000 borrowed.
|
Recreational Vehicle1
New & Used 2013 or newer
|
Effective Date: June 23, 2023 | |
|---|---|---|
| Minimum Loan Amount | Term in Months | APR2 As Low As |
| $2,500 | 36 | 8.50% |
| $5,000 | 48 | 8.50% |
| $7,500 | 60 | 8.50% |
| $15,000 | 72 | 8.50% |
| $20,000 | 84 | 8.50% |
| $20,000 | 96 | 8.75% |
| $20,000 | 120 | 8.75% |
| $30,000 | 144 | 9.00% |
| $30,000 | 180 | 9.00% |
1 APR=Annual Percentage Rate. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval.
2 For 36 monthly payments at 8.50% APR the repayment amount would be $31.58 per $1,000 borrowed.
2 For 48 monthly payments at 8.50% APR the repayment amount would be $24.66 per $1,000 borrowed.
2 For 60 monthly payments at 8.50% APR the repayment amount would be $20.53 per $1,000 borrowed.
2 For 72 monthly payments at 8.50% APR the repayment amount would be $17.79 per $1,000 borrowed.
2 For 84 monthly payments at 8.50% APR the repayment amount would be $15.85 per $1,000 borrowed.
2 For 96 monthly payments at 8.75% APR the repayment amount would be $14.53 per $1,000 borrowed.
2 For 120 monthly payments at 8.75% APR the repayment amount would be $12.54 per $1,000 borrowed.
2 For 144 monthly payments at 9.00% APR the repayment amount would be $11.39 per $1,000 borrowed.
2 For 180 monthly payments at 9.00% APR the repayment amount would be $10.15 per $1,000 borrowed.
| Home Equity Line of Credit | Effective Date: September 1, 2023 | |
|---|---|---|
| Minimum Loan Amount | Maximum Loan Amount | APR 1 |
| $25,000 | $500,000 | 9.25% - 11.75% |
1APR = Annual Percentage Rate. All loans subject to credit approval. Rates effective as of 9/1/23. Rates, terms and conditions subject to change. The minimum APR is 9.25%. The maximum APR is 15.00%. The APR is variable, based on an index and margin. Maximum rate adjustment is 3% each adjustment period. Variable rate is based on the highest commercial prime rate correctly published daily in the Wall Street Journal, Western Edition (the "index"), plus 0.75% to 2.25% depending on FICO score (the "margin"). You may pay certain fees ranging from $300 to $1500 to third parties to open a line of credit. $75 over-the-limit fee. Appraisal fee and Title fee may be required. Please see Schedule of Fees for a full list of potentially applicable fees. Qualification based on credit history, debt, loan-to-value, and the ability to repay. Property insurance required. Minimum loan amount is $25,000. Maximum loan amount is $500,000. $100 minimum draw. The maximum term is 25 years, which includes a 10-year draw period and a 15-year repayment term. Primary Residence: 80% Maximum Combined Loan-To-Value (CLTV). Investment Property: 70% Maximum Combined Loan-To-Value (CLTV). Membership requirements apply. Membership requires a savings account opened with an initial $25.00 deposit plus a $5.00 one-time membership fee, for a total of $30.00. New accounts subject to ChexSystems. Other restrictions may apply.
| Mortgage Rates |
|---|
| For today's Mortgage Rates, please click here. |
| SIGNATURE CREDIT CARD | Effective September 1, 2023 |
|---|---|
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR)1 for Purchases |
0% introductory APR for 12 months from the date of first purchase when purchases are completed within 60 days from the date of the account approval. After that, 20.24%, based on your creditworthiness and other factors as determined at time of application. After account approval, this APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 20.24%, based on your creditworthiness and other factors as determined at time of application. After account approval, this APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 20.24%, based on your creditworthiness and other factors as determined at time of application. After account approval, this APR will vary with the market based on the Prime Rate. |
| Paying Interest | Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay entire balance by the due date each month. |
| Minimum Interest Charge |
If you are charged period interest the charge will be no less than $0.50.
|
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| FEES | |
| Annual Fees | NONE |
|
Transaction Fees
|
Either $5 or 3% of the amount of each transfer, whichever is greater.
Either $15 or 5% of the amount of each Cash Advance, whichever is greater.
None
|
|
Penalty Fees
|
Up to $10
NONE
Up to $20
|
|
Other Fees
|
$10
$40
NONE
|
| CASH BACK CREDIT CARD | Effective September 1, 2023 |
|---|---|
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR)1 for Purchases | 14.24%-24.00%, based on your creditworthiness at time of application. After account approval, this APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 14.24%-24.00%, based on your creditworthiness at time of application. After account approval, this APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 14.24%-24.00%, based on your creditworthiness at time of application. After account approval, this APR will vary with the market based on the Prime Rate. |
| Paying Interest | Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay entire balance by the due date each month. |
| Minimum Interest Charge |
If you are charged period interest the charge will be no less than $0.50.
|
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| FEES | |
| Annual Fees | NONE |
|
Transaction Fees
|
Either $5 or 3% of the amount of each transfer, whichever is greater.
Either $10 or 5% of the amount of each Cash Advance, whichever is greater.
Up to 1% of each transaction, regardless of the currency, with the fee charged in U.S. dollars.
|
|
Penalty Fees
|
Up to $10
NONE
Up to $20
|
|
Other Fees
|
$10
$40
NONE
|
| POINTS REWARDS CREDIT CARD | Effective September 1, 2023 |
|---|---|
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR)1 for Purchases | 14.24%-24.00%, based on your creditworthiness at time of application. After account approval, this APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 14.24%-24.00%, based on your creditworthiness at time of application. After account approval, this APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 14.24%-24.00%, based on your creditworthiness at time of application. After account approval, this APR will vary with the market based on the Prime Rate. |
| Paying Interest | Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay entire balance by the due date each month. |
| Minimum Interest Charge |
If you are charged period interest the charge will be no less than $0.50.
|
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| FEES | |
| Annual Fees | NONE |
|
Transaction Fees
|
Either $5 or 3% of the amount of each transfer, whichever is greater.
Either $10 or 5% of the amount of each Cash Advance, whichever is greater.
Up to 1% of each transaction, regardless of the currency, with the fee charged in U.S. dollars.
|
|
Penalty Fees
|
Up to $10
NONE
Up to $20
|
|
Other Fees
|
$10
$40
NONE
|
| BUSINESS CASH BACK CREDIT CARD | Effective September 1, 2023 |
|---|---|
| Interest Rates and Interest Charges | |
|
Annual Percentage Rate (APR)1 for Purchases |
0% introductory APR for 12 months from the date of first purchase when purchases are completed within 60 days from the date of the account approval.
After that, 19.24%-24.00%, based on your creditworthiness at time of application. After account approval, this APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers20 |
19.24%-24.00% This APR can vary monthly with the market based on the Prime Rate.
|
| APR for Cash Advances |
19.24%-24.00% This APR can vary with the market based on the Prime Rate.
|
| Paying Interest | Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay entire balance by the due date each month. |
| Minimum Interest Charge |
If you are charged period interest the charge will be no less than $0.50.
|
| FEES | |
| Annual Fees | NONE |
|
Transaction Fees
|
Either $5 or 5% of the amount of each transfer, whichever is greater.
Either $15 or 5% of the amount of each Cash Advance, whichever is greater.
NONE
|
|
Penalty Fees
|
Up to $40
NONE
Up to $40
|
|
Other Fees
|
$10
$40
NONE
|
1APR = Annual Percentage Rate. Based on your creditworthiness. All loans are subject to approval. Your APR will vary with the market based on the Prime Rate. See Cardholder Agreement for details.
|
PERSONAL LOANS
|
EFFECTIVE June 23, 2022 | |
|---|---|---|
| Minimum Loan Amount | Term in Months | APR2 Rates As Low As |
| $500 | 12 | 9.99% |
| $1,000 | 13-24 | 9.99% |
| $2,500 | 25-36 | 9.99% |
| $5,000 | 37-60 | 9.99% |
2 APR=Annual Percentage Rate. 60 monthly payments of $21.25 per $1,000 borrowed at 9.99% fixed APR. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval. Rates, terms and conditions subject to change.
