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Click here for a printable version of our Loan Rate Sheet.

Loan Rate Sheet

Click here for a printable version of our Share Rate Sheet.

Share Rate Sheet

Share Rates

  Balance Interest Rate APY Minimum Req’d Balance
All Shares
Excluding Share Drafts and IRAs
Up to $10,000 0.150% 0.150 $5.00
$10,000.01 – $30,000 0.250% 0.250 $5.00
Over $30,000 0.300% 0.300 $5.00
IRAs
For existing IRAs only. No longer offering new accounts
Any Amount
(No Tier)
0.500% 0.501 $ 0.00

(Must have at least $5 on deposit to earn dividends in Primary Savings.)
(Must have at least $0.01 on deposit to earn dividends in Secondary Savings.)

Auto Loans

Model Year Term APR
2012-2017 Up to 84 months As low as 3.99%1
2012-2017 Up to 72 months As low as 3.49%
2012-2017 Up to 60 months As low as 2.99%
2008-2011 Up to 48 months As low as 5.90%
2007 and older Up to 48 months As low as 10.25%


APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.

Auto loans have a floor rate of 2.74% APR.
Best Credit Financing Examples: An Auto Loan of $35,000 at 3.99% APR for an 84-month term would result in a monthly payment of approximately $478.52. An Auto Loan of $20,000 at 3.49% APR for a 72-month term would result in a monthly payment of approximately $308.44. An Auto Loan of $20,000 at 2.99% APR for a 60-month term would result in a monthly payment of approximately $359.48. An Auto Loan of $15,000 at 5.90% APR for a 48-month term would result in a monthly payment of approximately $351.80. An Auto Loan of $15,000 at 10.25% APR for a 48-month term would result in a monthly payment of approximately $382.24.

1There is a $35,000 minimum loan amount to receive 3.99% APR for qualified borrowers.

Home Equity Loans

Account Type Term APR
Home Equity Line of Credit (HELOC)1
Variable Rate (up to 80% LTV)
0-240 months 4.00%
Home Equity Line of Credit (HELOC)1
Variable Rate (up to 90% LTV)
0-240 months 5.00%
Home Equity Loan2 0-60 months 3.99%
Fixed Rate (up to 80% LTV) 61-120 months 4.49%
1st Lien Position-Owner Occupied 121-180 months 4.99%
Home Equity Loan3 0-60 months 6.25%
Fixed Rate (up to 80% LTV) 61-120 months 6.50%
2nd Lien Position-Owner Occupied 121-180 months 6.75%
Home Equity Loan4 0-60 months 7.00%
Fixed Rate (up to 65% LTV) 61-120 months 7.50%
1st Lien Position-Non-Owner Occupied 121-180 months 8.00%

APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.

1The Annual Percentage Rate may vary after the account is opened. The maximum rate that may be imposed is 17.00% APR. Closing costs vary by state and range from $250 – $750 available for properties in IL, IN, and NV only. Credit Union 1 will pay the closing fees associated with the setup of the loan. If a HELOC is closed within 24 months from the open date, a fee reimbursement applies for costs associated to setup the loan.

For any Fixed Rate Home Equity Loan, the borrower is responsible for paying the costs associated with the setup of the loan. The borrower should consult a tax adviser for further information regarding the deductibility of interest and charges.

2Best Credit Financing Examples: A Home Equity Loan of $50,000 at 3.99% APR for a 60-month term would result in a monthly payment of approximately $921.02. A Home Equity Loan of $50,000 at 4.49% APR for a 120-month term would result in a monthly payment of approximately $518.18. A Home Equity Loan of $50,000 at 4.99% APR for a 180-month term would result in a monthly payment of approximately $395.32. Home Equity Loan payment examples do not include taxes and insurance premiums, the actual payment obligation will be greater.

3Best Credit Financing Examples: A Home Equity Loan of $50,000 at 6.25% APR for a 60-month term would result in a monthly payment of approximately $972.88. A Home Equity Loan of $50,000 at 6.50% APR for a 120-month term would result in a monthly payment of approximately $567.98. A Home Equity Loan of $50,000 at 6.75% APR for a 180-month term would result in a monthly payment of approximately $442.66.

4Best Credit Financing Examples: A Home Equity Loan of $50,000 at 7.00% APR for a 60-month term would result in a monthly payment of approximately $990.66. A Home Equity Loan of $50,000 at 7.50% for a 120-month term would result in a monthly payment of approximately $593.88. A Home Equity Loan of $50,000 at 8.00% for a 180-month term would result in a monthly payment of approximately $478.12. Home Equity Loan payment examples do not include taxes and insurance premiums, the actual payment obligation will be greater.

Personal Loans

Term1 Rates
Signature Loan up to 60 months2 as low as 10.75%
Signature Loan up to 48 months as low as 10.50%
Signature Loan up to 36 months as low as 10.25%

APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.

1Best Credit Financing Example: A Personal Loan of $10,000 at 10.75% APR for a 60-month term would result in a monthly payment of approximately $216.32. A Personal Loan of $5,000 at 10.50% APR for a 48-month term would result in a monthly payment of approximately $128.10. A Personal Loan of $5,000 at 10.25% APR for a 36-month term would result in a monthly payment of approximately $162.04.
2There is a $10,000 minimum loan amount.

Secured Loans

Loan Type Rates
Share Secured Loan 2.15%1
Share Certificate Secured Loan 2.25%2
Credit Saver Loan 2.15%1

APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.

1This APR will vary with the market based on the dividend rate.

2This APR is fixed for the term of the certificate.

Overdraft Loans

APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.