Mortgages

Mortgages

  • 15 Year Fixed - 180 Month Term
  • Rate: 4.875%
  • APR*: 4.912%
  • Est. Payment**: $1,569.00
  • Points***: 0.250%
  • 20 Year Fixed - 240 Month Term
  • Rate: 5.000%
  • APR*: 5.030%
  • Est. Payment**: $1,320.00
  • Points***: 0.250%
  • 30 Year Fixed - 360 Month Term
  • Rate: 5.125%
  • APR*: 5.147%
  • Est. Payment**: $1,089.00
  • Points***: 0.250%
  • 5/1 ARM****
  • Rate: 4.500%
  • APR*: 4.969%
  • Est. Payment**: $1,013.00
  • Points***: -0.125%
  • 5/1 Jumbo ARM****
  • Rate: 4.625%
  • APR*: 5.015%
  • Est. Payment**: $2,571.00
  • Points***: -0.125%

Rates Effective: 11/09/2018

*APR = Annual Percentage Rate.

**Monthly Payments shown do not include amounts for taxes and insurance. Actual payment obligation will be greater. For adjustable rate loans (ARM), after the 5-year initial period, rates and payments my adjust annually. Estimated payment is based on the following assumptions. Rates and terms are based on credit worthiness.

  • Jumbo loan amounts of $500,000. All other loan amounts $200,000
  • Single family residence.
  • Purchase loan.
  • 80% Loan-to-Value (or 20% Down Payment)
  • Mortgage rate lock period of 60 days.
  • Customer profile with excellent credit.

These assumptions are subject to change without notice. Rate, points and APR may be adjusted based on several factors including, but not limited to, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rates and points only and does not take into account other loan specific finance charges you may be required to pay.

***Mortgage points are a form of pre-paid interest. One point equals one percent of the loan amount. By charging a borrower points, a lender effectively increases the yield on the loan above the amount of the stated interest rate. Borrowers can offer to pay a lender points as a method to reduce the interest rate on the loan, thus obtaining a lower monthly payment in exchange for this up-front payment.

****ARM based on Libor.

Home Equity

Home Equity Line of Credit - Combined Loan to Value (CLTV) up to 80%*

  • Loan Amount: $10,000 - $24,999
  • Margin: 0.50% - 2.00%
  • APR**: 5.75% - 7.25%
  • Loan Amount: $25,000 - $99,999
  • Margin: 0.00% - 1.50%
  • APR**: 5.25% - 6.75%
  • Loan Amount: $100,000-$350,000
  • Margin: -0.25% - 1.25%
  • APR**: 5.00% - 6.50%

Rates Effective : 11/01/2018

*Combined Loan to Value (CLTV) CLTV= Outstanding First Mortgage Balance + New Home Equity Loan Amount
**Variable Rate Product. APR=Annual Percentage Rate. Rates and terms are based on your credit worthiness. The initial rate may range from 5.00% to 7.25% based on loan amount, CLTV and applicant's credit. The Fully Indexed corresponding APR may range from 5.00% to 7.25%. OneAZ may pay third party fees on your behalf, in which case, these will be subject to recapture if loan is paid off or closed within 36 months. No $75.00 annual inactivity fee with balance and activity. Index Prime Rate is published in the Wall Street Journal as of the 15th of each month. Variable Rate Provision: To determine the APR we add a margin to the value of the index and round up to the nearest .25%. APR: Lifetime floor is 4.50%, Lifetime cap is 18.00%. Draw Period - 10 years and the Repayment Period is up to 15 years. Minimum Payment Requirements: You will be required to make payments during the draw period (10 years) and the repayment period (up to 15 years).

Minimum Loan Amount / Minimum advance at closing: $10,000
Maximum Loan Amount (applicable to HELOCS): $350,000 Up to 80% Combined Loan to Value(CLTV)


CLTV Up to 80%
Minimum FICO 680

Higher FICO score required for larger amounts

Home Equity Line of Credit - Combined Loan to Value (CLTV) up to 85%*

  • Loan Amount: $10,000 - $24,999
  • Margin: 1.00% - 2.25%
  • APR**: 6.25% - 7.50%
  • Loan Amount: $25,000 - $99,999
  • Margin: 0.50% - 2.25%
  • APR**: 5.75% - 7.50%
  • Loan Amount: $100,000 - $250,000
  • Margin: 0.25% - 2.25%
  • APR**: 5.50% - 7.50%

Rates Effective: 11/01/2018

*Combined Loan to Value (CLTV) CLTV= Outstanding First Mortgage Balance + New Home Equity Loan Amount
**Variable Rate Product. APR=Annual Percentage Rate. Rates and terms are based on your credit worthiness. The initial rate may range from 5.50% to 7.50% based on loan amount, CLTV and applicant's credit. The Fully Indexed corresponding APR may range from 5.50% to 7.50%. OneAZ may pay third party fees on your behalf, in which case, these will be subject to recapture if loan is paid off or closed within 36 months. No $75.00 annual inactivity fee with balance and activity. Index Prime Rate is published in the Wall Street Journal as of the 15th of each month. Variable Rate Provision: To determine the APR we add a margin to the value of the index and round up to the nearest .25%. APR: Lifetime floor is 4.50%, Lifetime cap is 18.00%. Draw Period - 10 years and the Repayment Period is up to 15 years. Minimum Payment Requirements: You will be required to make payments during the draw period (10 years) and the repayment period (up to 15 years).

Minimum Loan Amount / Minimum advance at closing: $10,000
Maximum Loan Amount (applicable to HELOCS ): $250,000 Up to 85% Combined Loan to Value (CLTV) 



CLTV Up to 85%
Minimum FICO 700

Higher FICO score required for larger amounts

Home Equity Line of Credit - Combined Loan to Value (CLTV) up to 90%*

  • Loan Amount: $10,000 - $24,999
  • Margin: 1.00% - 2.25%
  • APR**: 6.25% - 7.50%
  • Loan Amount: $25,000 - $99,999
  • Margin: 0.50% - 2.25%
  • APR**: 5.75% - 7.50%
  • Loan Amount: $100,000 - $200,000
  • Margin: 0.25% - 2.25%
  • APR**: 5.50% - 7.50%

Rates Effective: 11/01/2018

*Combined Loan to Value (CLTV) CLTV= Outstanding First Mortgage Balance + New Home Equity Loan Amount
**Variable Rate Product. APR=Annual Percentage Rate. Rates and terms are based on your credit worthiness. The initial rate may range from 5.50% to 7.50% based on loan amount, CLTV and applicant's credit. The Fully Indexed corresponding APR may range from 5.50% to 7.50%. OneAZ may pay third party fees on your behalf, in which case, these will be subject to recapture if loan is paid off or closed within 36 months. No $75.00 annual inactivity fee with balance and activity. Index Prime Rate is published in the Wall Street Journal as of the 15th of each month. Variable Rate Provision: To determine the APR we add a margin to the value of the index and round up to the nearest .25%. APR: Lifetime floor is 4.50%, Lifetime cap is 18.00%. Draw Period - 10 years and the Repayment Period is up to 15 years. Minimum Payment Requirements: You will be required to make payments during the draw period (10 years) and the repayment period (up to 15 years).

Minimum Loan Amount / Minimum advance at closing: $10,000
Maximum Loan Amount (applicable to HELOCS) $200,000 up to 90% Combined Loan to Value (CLTV)



CLTV Up to 90%
Minimum FICO 720

Higher FICO score required for larger amounts

Home Equity Loan - Combined Loan to Value (CLTV) up to 80%*

  • Loan Amount: $10,000-$24,999
  • APR**: 6.947% - 7.703%
  • Term: 60
  • Loan Amount: $25,000-$99,999
  • APR**: 5.873% - 7.128%
  • Term: 60
  • Loan Amount: $100,000-$350,000
  • APR**: 5.494% - 6.997%
  • Term: 60
  • Loan Amount: $10,000-$24,999
  • APR**: 6.756% - 7.261%
  • Term: 120
  • Loan Amount: $25,000-$99,999
  • APR**: 5.949% - 6.952%
  • Term: 120
  • Loan Amount: $100,000-$350,000
  • APR**: 5.629% - 6.882%
  • Term: 120
  • Loan Amount: $10,000-$24,999
  • APR**: 6.861% - 7.114%
  • Term: 180
  • Loan Amount: $25,000-$99,999
  • APR**: 6.141% - 6.894%
  • Term: 180
  • Loan Amount: $100,000-$350,000
  • APR**: 5.842% - 6.844%
  • Term: 180

Rates as of: 11/01/2018

*Combined Loan to Value (CLTV) CLTV= Outstanding First Mortgage Balance + New Home Equity Loan Amount

Minimum Loan Amount / Minimum advance at closing: $10,000
Maximum Loan Amount (applicable to Home Equity Loans): $350,000 Up to 80% Combined Loan to Value(CLTV)


CLTV Up to 80%
Minimum FICO 680

Higher FICO score required for larger amounts

Home Equity Loan - Combined Loan to Value (CLTV) up to 85%*

  • Loan Amount: $10,000-$24,999
  • APR**: 7.451% - 7.703%
  • Term: 60
  • Loan Amount: $25,000-$99,999
  • APR**: 6.375% - 7.128%
  • Term: 60
  • Loan Amount: $100,000-$250,000
  • APR**: 5.995% - 6.997%
  • Term: 60
  • Loan Amount: $10,000-$24,999
  • APR**: 7.261% - 7.261%
  • Term: 120
  • Loan Amount: $25,000-$99,999
  • APR**: 6.451% - 6.952%
  • Term: 120
  • Loan Amount: $100,000-$250,000
  • APR**: 6.131% - 6.882%
  • Term: 120
  • Loan Amount: $10,000-$24,999
  • APR**: 7.114% - 7.114%
  • Term: 180
  • Loan Amount: $25,000-$99,999
  • APR**: 6.643% - 6.894%
  • Term: 180
  • Loan Amount: $100,000-$250,000
  • APR**: 6.343% - 6.844%
  • Term: 180

Rates as of: 11/01/2018

*Combined Loan to Value (CLTV) CLTV= Outstanding First Mortgage Balance + New Home Equity Loan Amount

Minimum Loan Amount / Minimum advance at closing: $10,000
Maximum Loan Amount (applicable to Home Equity Loans): $250,000 Up to 85% Combined Loan to Value(CLTV)


CLTV Up to 85%
Minimum FICO 700

Higher FICO score required for larger amounts

Home Equity Loan - Combined Loan to Value (CLTV) up to 90%*

  • Loan Amount: $10,000-$24,999
  • APR**: 7.451% - 7.703%
  • Term: 60
  • Loan Amount: $25,000-$99,999
  • APR**: 6.375% - 7.128%
  • Term: 60
  • Loan Amount: $100,000-$200,000
  • APR**: 5.995% - 6.997%
  • Term: 60
  • Loan Amount: $10,000-$24,999
  • APR**: 7.261% - 7.261%
  • Term: 120
  • Loan Amount: $25,000-$99,999
  • APR**: 6.451% - 6.952%
  • Term: 120
  • Loan Amount: $100,000-$200,000
  • APR**: 6.131% - 6.882%
  • Term: 120
  • Loan Amount: $10,000-$24,999
  • APR**: 7.114% - 7.114%
  • Term: 180
  • Loan Amount: $25,000-$99,999
  • APR**: 6.643% - 6.894%
  • Term: 180
  • Loan Amount: $100,000-$200,000
  • APR**: 6.343% - 6.844%
  • Term: 180

Rates as of: 11/01/2018

*Combined Loan to Value (CLTV) CLTV= Outstanding First Mortgage Balance + New Home Equity Loan Amount

Minimum Loan Amount / Minimum advance at closing: $10,000
Maximum Loan Amount (applicable to Home Equity Loans): $200,000 Up to 90% Combined Loan to Value(CLTV)


CLTV Up to 90%
Minimum FICO 720

Higher FICO score required for larger amounts

Auto Loans

New Vehicles

  • New Auto*
  • APR: 2.74% - 18.00%
  • Term: 48 months
  • New Auto*
  • APR: 2.84% - 18.00%
  • Term: 60 months
  • New Auto* ($20,000 Minimum)
  • APR: 3.14% - 18.00%
  • Term: 72 months
  • New Auto* ($25,000 Minimum)
  • APR: 3.44% - 18.00%
  • Term: 84 months
  • New Auto* ($75,000 Minimum)
  • APR: 4.24% - 18.00%
  • Term: 100 months**

Rates Effective: 11/01/2018

APR = Annual Percentage Rate.

* New is any vehicle for which the equitable or legal title has not been previously transferred to an ultimate purchaser.

** 100 Month Auto Financing: Auto, SUV, and Trucks at 1 Ton/Diesel, Purchases Only, 100% LTV plus product.

Rates include a .25% discount on auto loans with automatic payment deduction from an OneAZ Credit Union checking account; rates will be .25% higher on loans that do not meet this requirement. Payments are not adjusted with the discount. Subject to credit and program guidelines.

Used Vehicles

  • Used Auto
  • APR: 3.24% - 18.00%
  • Term: 48 months
  • Used Auto
  • APR: 3.34% - 18.00%
  • Term: 60 months
  • Used Auto ($20,000 Minimum)
  • APR: 3.64% - 18.00%
  • Term: 72 months
  • Used Auto ($25,000 Minimum)
  • APR: 3.94% - 18.00%
  • Term: 84 months

Rates Effective: 11/01/2018

APR = Annual Percentage Rate.

Rates include a .25% discount on auto loans with automatic payment deduction from an OneAZ Credit Union checking account; rates will be .25% higher on loans that do not meet this requirement. Payments are not adjusted with the discount. Subject to credit and program guidelines.

Recreational Vehicles

RVs and Boats (16 feet and over)

  • New RV & Boat* ($0-$9,999)
  • APR: 4.99% - 18.00%
  • Term: 60 months
  • New RV & Boat* ($10,000 - $24,999)
  • APR: 5.24% - 18.00%
  • Term: 120 months
  • New RV & Boat* ($25,000 - $74,999)
  • APR: 5.49% - 18.00%
  • Term: 180 months
  • New RV & Boat* ($75,000 - $300,000)
  • APR: 5.74% - 18.00%
  • Term: 240 months
  • Used RV & Boat ($0-$9,999)
  • APR: 5.74% - 18.00%
  • Term: 60 months
  • Used RV & Boat ($10,000 - $24,999)
  • APR: 5.99% - 18.00%
  • Term: 120 months
  • Used RV & Boat ($25,000 - $74,999)
  • APR: 6.24% - 18.00%
  • Term: 180 months
  • Used RV & Boat ($75,000 - $300,000)
  • APR: 6.49% - 18.00%
  • Term: 240 months

Rates Effective: 11/01/2018

APR = Annual Percentage Rate.

* New is any vehicle for which the equitable or legal title has not ben previously transferred to an ultimate purchaser.

Rates include a .25% discount on RV and boat loans with automatic payment deduction from an OneAZ Credit Union checking account; rates will be .25% higher on loans that do not meet this requirement. Payments are not adjusted with the discount. Subject to credit and program guidelines.

Special Collateral (Motorcycles, Dirt Bikes, ATVs, and Personal Watercraft under 16 feet)

  • New Power Sports*
  • APR: 5.24% - 18.00%
  • Term: 60 months
  • New Power Sports* ($12,000 Minimum)
  • APR: 5.49% - 18.00%
  • Term: 72 months
  • New Power Sports* ($20,000 Minimum)
  • APR: 5.74% - 18.00%
  • Term: 84 months
  • Used Power Sports
  • APR: 5.74% - 18.00%
  • Term: 60 months

Rates Effective: 11/01/2018

APR = Annual Percentage Rate.

 * New is any vehicle for which the equitable or legal title has not ben previously transferred to an ultimate purchaser.

Rates include a .25% discount on motorcycle loans with automatic payment deduction from an OneAZ Credit Union checking account; rates will be .25% higher on loans that do not meet this requirement. Payments are not adjusted with the discount. Subject to credit and program guidelines.

Personal Loans

Signature Loan

  • Signature
  • APR Range: 12.75% - 18.00%
  • Repayment: varies

Rates Effective: 11/01/2018

APR=Annual Percentage Rate. Subject to credit and program guidelines.

Line of Credit

  • Line of Credit
  • APR Range: 12.75% - 18.00%
  • Repayment: varies

Rates Effective: 11/01/2018

APR=Annual Percentage Rate. Subject to credit and program guidelines.

Share Certificate Secured

  • Share Secured
  • APR Range: 3.00% over dividend rate
  • Repayment: varies
  • Share Certificate Secured*
  • APR Range: 3.00% over dividend rate
  • Repayment: varies

Rates Effective: 11/01/2018

APR=Annual Percentage Rate.

*You will be automatically approved if you would like to pledge your Share Certificate or Share Account as collateral. The interest rate depends on your current Share Certificate rate + 3%.

Personal Banking

Star High Yield Money Market

  • $0 - 74,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $75,000+
  • Dividend Rate: 0.30%
  • APY: 0.30%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD.

Fees could reduce earnings. We may offer other rates in the future. See our Account Agreement disclosure for details.

SaversAdvantage Yield Money Market

  • $0 - 24,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $25,000+
  • Dividend Rate: 0.20%
  • APY: 0.20%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD.

Minimum balance to open account is $1,000. Fees could reduce earnings. We may offer other rates in the future. See our Account Agreement  disclosure for details.

Tiered Money Market Checking or Savings

  • $0 - 999.99*
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • $0 - 4,999.99*
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $5,000 - 9,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $10,000 - 24,999.99
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • $25,000 - 49,999.99
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • $50,000 - 99,999.99
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • $100,000+
  • Dividend Rate: 0.30%
  • APY: 0.30%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD.

*Minimum balance to open account is $1,000. Minimum daily balance to earn the stated APY is $1,000. The APY will be calculated by applying one or more Dividend Rates to multiple balance ranges as set forth above. The Dividend Rate for each balance range will apply to your account balance within each particular deposit balance range and not to the entire account balance. Fees could reduce earnings. We may offer other rates in the future. See our Account Agreement  disclosure for details.

Share Certificate

  • 3 Month
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • 6 Month
  • Dividend Rate: 0.80%
  • APY: 0.80%
  • 12 Month
  • Dividend Rate: 1.09%
  • APY: 1.10%
  • 18 Month
  • Dividend Rate: 1.19%
  • APY: 1.20%
  • 24 Month
  • Dividend Rate: 1.39%
  • APY: 1.40%
  • 30 Month
  • Dividend Rate: 1.49%
  • APY: 1.50%
  • 36 Month
  • Dividend Rate: 1.64%
  • APY: 1.65%
  • 48 Month
  • Dividend Rate: 1.74%
  • APY: 1.75%
  • 60 Month
  • Dividend Rate: 2.23%
  • APY: 2.25%

Rates Effective: 11/1/2018

APY = ANNUAL PERCENTAGE YIELD.

Minimum to open is $2000. The APYs are fixed and will be in effect for the term of the account. A withdrawal of dividends will reduce earnings. Penalty for early withdrawal will apply. We may offer other rates in the future. See our Account Agreement disclosure for details.

IRA Share Certificate

  • 3 Month
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • 6 Month
  • Dividend Rate: 0.80%
  • APY: 0.80%
  • 12 Month
  • Dividend Rate: 1.09%
  • APY: 1.10%
  • 18 Month
  • Dividend Rate: 1.19%
  • APY: 1.20%
  • 24 Month
  • Dividend Rate: 1.39%
  • APY: 1.40%
  • 30 Month
  • Dividend Rate: 1.49%
  • APY: 1.50%
  • 36 Month
  • Dividend Rate: 1.64%
  • APY: 1.65%
  • 48 Month
  • Dividend Rate: 1.74%
  • APY: 1.75%
  • 60 Month
  • Dividend Rate: 2.23%
  • APY: 2.25%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD.

There is a $100 minimum opening balance requirement for IRA Savings and a $50 minimum balance required to earn dividends. IRA Share Certificate minimum to open is $2000. The APYs are fixed and will be in effect for the term of the account. A withdrawal of dividends will reduce earnings. Penalty for early withdrawal will apply. We may offer other rates in the future. See our Account Agreement disclosure for details.

YourSavings

  • $0.00 - $1,000
  • Dividend Rate: 1.00%
  • APY: 1.00%
  • $1,000+
  • Dividend Rate: 0.05%
  • APY: 0.05%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD.

Minimum balance to open account is $5.00. Minimum daily balance to earn the stated APY is $100.00. Daily balances of less than $100.00 will not earn dividends. The APY will be calculated by applying one or more Dividend Rates to multiple balance ranges as set forth above. The Dividend Rate for each balance range will apply to your account balance within each particular deposit balance range and not the entire account balance. You must enroll in direct deposit or a regular monthly transfer and online statement or pay a $5.00 per month. There is a limit of one (1) Your Savings account per primary member. Fees could reduce earnings. We may offer other rates in the future. See our Account Agreement disclosure for details.

Savings

  • Savings
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • IRA Savings
  • Dividend Rate: 0.30%
  • APY: 0.30%
  • Club Savings
  • Dividend Rate: 0.05%
  • APY: 0.05%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD.

There is a $5.00 minimum opening balance requirement for Savings and Club Savings. For Savings and Club Savings there is a $50 minimum balance required to earn dividends. We may offer other rates in the future. See our Account Agreement disclosure for details.

Checking

  • Arizona Checking*
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • Student Checking**
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • Premium Checking*
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • $1,000 - $24,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $25,000 - $49,999.99
  • Dividend Rate: 0.08%
  • APY: 0.08%
  • $50,000+
  • Dividend Rate: 0.10%
  • APY: 0.10%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD.

*There is a $1000 minimum balance required to earn dividends.

**Account is available for students currently enrolled in an accredited primary, secondary, post-secondary or technical school at account opening.

There is a $20 minimum opening balance requirement for all checking accounts. We may offer other rates in the future. See our Account Agreement disclosure for details.

Business Banking

Business Star High Yield Money Market Rates

  • $0 - 74,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $75,000+
  • Dividend Rate: 0.30%
  • APY: 0.30%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD

Minimum balance to open account is $1,000. Fees could reduce earnings. We may offer other rates in the future. See our Business Member Account Agreement for details. 

Business SaversAdvantage Money Market Rates

  • $0 - 24,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $25,000+
  • Dividend Rate: 0.20%
  • APY: 0.20%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD

Minimum balance to open account is $1000. Fees could reduce earnings. We may offer other rates in the future. See our Business Member Account Agreement for details. 

Business Tiered Money Market Rates

  • $0 - 999.99*
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • $0 - 4,999.99*
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $5,000 - 9,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $10,000 - 24,999.99
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • $25,000 - 49,999.99
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • $50,000 - 99,999.99
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • $100,000+
  • Dividend Rate: 0.30%
  • APY: 0.30%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD

Minimum balance to open account is $1,000. Minimum daily balance to earn the stated APY is $1,000. The APY will be calculated by applying one or more Dividend Rates to multiple balance ranges as set forth above. The Dividend Rate for each balance range will apply to your account balance within each particular deposit balance range and not to the entire account balance. Fees could reduce earnings. We may offer other rates in the future. See our Business Member Account Agreement for details. 

Business Share Certificate Rates

  • 3 Month
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • 6 Month
  • Dividend Rate: 0.80%
  • APY: 0.80%
  • 12 Month
  • Dividend Rate: 1.09%
  • APY: 1.10%
  • 18 Month
  • Dividend Rate: 1.19%
  • APY: 1.20%
  • 24 Month
  • Dividend Rate: 1.39%
  • APY: 1.40%
  • 30 Month
  • Dividend Rate: 1.49%
  • APY: 1.50%
  • 36 Month
  • Dividend Rate: 1.64%
  • APY: 1.65%
  • 48 Month
  • Dividend Rate: 1.74%
  • APY: 1.75%
  • 60 Month
  • Dividend Rate: 2.23%
  • APY: 2.25%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD

Minimum to open is $2000. The APYs are fixed and will be in effect for the term of the account. We may offer other rates in the future. A withdrawal of dividends will reduce earnings. Penalty for early withdrawal will apply. See our Business Member Account Agreement for details. 

Business Savings Rates

  • Club Savings
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • Savings
  • Dividend Rate: 0.05%
  • APY: 0.05%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD

There is a $5.00 minimum opening balance requirement and a $50 minimum balance required to earn dividends. We may offer other rates in the future. See our Business Account Disclosures and Agreement provided at account opening for details.

Business Basic Checking Rates

  • Basic Checking
  • Dividend Rate: 0.00%
  • APY: 0.00%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD.

We may offer other rates in the future. See our Business Account Disclosures and Agreement provided at account opening for details. Click for schedule of fees.

Business Advantage Checking

  • < $2,499.99
  • Dividend Rate: 0.03%
  • APY: 0.03%
  • $2,500 - 4,999.99
  • Dividend Rate: 0.03%
  • APY: 0.03%
  • $5,000 - 9,999.99
  • Dividend Rate: 0.03%
  • APY: 0.03%
  • $10,000 - 24,999.99
  • Dividend Rate: 0.03%
  • APY: 0.03%
  • $25,000 - 49,999.99
  • Dividend Rate: 0.03%
  • APY: 0.03%
  • $50,000 - 99,999.99
  • Dividend Rate: 0.03%
  • APY: 0.03%
  • $100,000+
  • Dividend Rate: 0.03%
  • APY: 0.03%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD.

We may offer other rates in the future. See our Business Account Disclosures and Agreement provided at account opening for details. Click for schedule of fees.

Business Analysis Checking

  • < $2,499.99
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • $2,500.00 - $4,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $5,000 - 9,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $10,000 - 24,999.99
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • $25,000 - 49,999.99
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • $50,000 - 99,999.99
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • $100,000+
  • Dividend Rate: 0.25%
  • APY: 0.25%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD.

We may offer other rates in the future. See our Business Account Disclosures and Agreement provided at account opening for details. Click for schedule of fees.

Business Hi-Yield Checking

  • < $2,499.99
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • $2,500.00 - $9,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $10,000 - 24,999.99
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • $25,000 - 49,999.99
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • $50,000 - 99,999.99
  • Dividend Rate: 0.25%
  • APY: 0.25%
  • $100,000 - 249,999.99
  • Dividend Rate: 0.30%
  • APY: 0.30%
  • $250,000+
  • Dividend Rate: 0.35%
  • APY: 0.35%

Rates Effective: 11/01/2018

APY = ANNUAL PERCENTAGE YIELD.

We may offer other rates in the future. See our Business Account Disclosures and Agreement provided at account opening for details. Click for schedule of fees.