Mortgage Rates
Term | Rate | Points | APR | Minimum Down Payment |
Estimated Payment Per $1,000 |
---|---|---|---|---|---|
30-Year Fixed | 6.000% | 0 |
6.067%
|
5% | $6.00 |
20-Year Fixed | 6.000% | 0 | 6.090% | 5% | $7.16 |
15-Year Fixed | 6.000% | 0 | 6.113% | 5% | $8.44 |
10-Year Fixed | 6.000% |
0 | 6.160% | 5% |
$11.10
|
Loan-to-Value Ratio | Term | Rate | APR | Estimated Payment Per $1,000 |
---|---|---|---|---|
LTV 80% < | 1-7 Years | 5.500% | 5.645% | $14.37 |
LTV 80% < | 8-10 Years | 5.500% | 5.605% | $10.85 |
LTV 80% < | 11-15 Years | 5.500% | 5.574% | $8.17 |
LTV 80% < | 16-20 Years | 5.500% | 5.558% | $6.88 |
Term | APR |
---|---|
10–10 Years 1 | 6.00% |
Loans
Term | Rate | Minimum | Maximum |
---|---|---|---|
12-48 months | 5.500% | $500 | $5,000 |
Term | Rate | Minimum | Maximum |
---|---|---|---|
12-48 months | Rate on Savings Account1 or CD2 | $500 | N/a 3 |
1 Interest is the same as the account interest rate (i.e., statement savings interest rate is .05% the collateral loan rate will be .05%) Collateral loans can only be borrowed against a Statements Savings or CD- not a tiered interest savings.
2 If a collateral loan is requested against a CD, the term must coincide within the term of the CD.
3 Maximum borrow amount coincides with balance in collateral account.
Term | Rate | Minimum | Maximum |
---|---|---|---|
12-84 months | 0% | $500 | $25,000- $50,000 1 |
1 Max $25,000 for energy efficient upgrades or up to $50,000 for qualified residential customers who are installing eligible heat pumps.
Approval letter from the state required
Term | Rate | Minimum | Maximum |
---|---|---|---|
12-24 months | 0% | $500 | $2,000 1 |
1 For energy efficient upgrades
Approval letter from the state required
Savings & Checking
Account Name | Dividend Rate | APY 1 | Minimum Balance To Earn APY |
---|---|---|---|
Champion Checking 2 | 0.050% | 0.05% | $500 |
Health Savings Account 3 | 0.050% | 0.05% | $0 |
Hero Checking 2
|
0.050% | 0.05% | $500 |
*Rates are subject to approval
1 Annual percentage yield. Fees could reduce earnings on account.
2 May earn $10 each month by conducting, at minimum, 15 point-of-sale debit card purchases (this excludes transactions conducted at an ATM) and maintain a $1000.00 daily balance in a qualifying savings account in order to receive your monthly Bonus Dividend.
3 Must have High Deductible Health Plan with Employer. See Account Disclosures for more.
Account Name | Dividend Rate |
APY 1 | Minimum Balance To Earn APY |
---|---|---|---|
Regular Savings | 0.050% | 0.05% | $100 |
Youth Savings | 0.150% | 0.15% | $100 |
Champion Savings 2 | |||
$100.00 or more but
less than $3,000.00
|
0.050% | 0.05% | n/a |
$3,000.00 or more | 0.150% | 0.15% | n/a |
Hero Savings 2 | |||
$100.00 or more but
less than $3,000.00
|
0.050% | 0.05% | n/a |
$3,000.00 or more | 0.150% | 0.15% | n/a |
Elite Money Market Savings 3 | |||
$1.00 or more but
less than $10,000.00
|
0.050% | 0.05% | n/a |
$10,000.00 or more but
less than $25,000.00
|
0.100% | 0.10% | n/a |
$25,000.00 or more but
less than $50,000.00
|
0.150% | .15% | n/a |
$50,000.00 or more but
less than $75,000.00
|
0.200% | .20% | n/a |
$75,000.00 or more | 0.250% | .25% | n/a |
*Rates are subject to approval
1 Annual percentage yield. Fees could reduce earnings on account.
2 Must have Hero/Champion Checking to be eligible for Hero/Champion Savings. See Account Disclosures for more.
Account Name | Dividend Rate |
APY 1 | Minimum Balance To Earn APY 1 |
---|---|---|---|
Free Business Checking | 0.050% | 0.05% | $5,000 |
Business Checking Plus | 0.050% | 0.05% | $1,000 |
High Yield Business Checking | |||
$0.01 or more but
less than $10,000
|
0.050% | 0.05% | n/a |
$10,000 or more but less than $50,000 |
0.100% | 0.10% | n/a |
$50,000 or more but less than $75,000 |
0.200% | 0.20% | n/a |
$75,000 or more | 0.300% | 0.30% | n/a |
Account Name | Dividend Rate |
APY 1 | Minimum Balance To Earn APY 1 |
---|---|---|---|
Business Savings | 0.100% | 0.10% | $100 |
Business Savings Plus | |||
$0.01 or more but
less than $10,000
|
0.050% | 0.05% | n/a |
$10,000 or more but less than $50,000 |
0.100% | 0.10% | n/a |
$50,000 or more but less than $75,000 |
0.200% | 0.20% | n/a |
$75,000 or more | 0.300% | 0.30% | n/a |
Elite Money Market Business | |||
$2,500 or more | 0.250% | 0.25% | n/a |
*Rates are subject to approval
1 Annual Percentage Yield
Term | Dividend Rate |
APY 1 | Minimum Balance to Earn APY 1 |
---|---|---|---|
3 Months | 0.150 % | 0.15% | $500 |
6 Months | 0.200 % | 0.20% |
$500
|
18 months | 0.250 % | 0.25% | $500 |
1 Year | 0.450 % | 0.45% | $500 |
2 year | 0.500% | 0.50% | $500 |
3 Years | 0.750 % | 0.75% | $500 |
4 Years | 0.750 % | 0.75% | $500 |
5 Year | 0.750% | 0.75% |
$500
|
2,Annual Percentage Yield (APY) is available as of 03/24/20. Minimum deposit of $500 is required to open account. Penalties may be imposed for early withdrawal. Premium rates not eligible for this special. This is a limited time offer and may be withdrawn at any time. Rates subject to change at any time.
If you are 59 1/2 or older, you may change the term of your certificate once in a 12-month period (IRAs Only). Fees could reduce earnings on account. There are no annual maintenance fees on IRA accounts. Share insurance is provided in excess of NCUA federal insurance by MSIC, a Massachusetts-chartered corporation not affiliated with the NCUA or the federal government. For more, visit account disclosures here.