Today’s Best Rates

Inspired & Inspired Plus Checking Account

Requirements

Dividend Rate

APY*

Rates effective as of 05/17/2024

*APY = Annual Percentage Yield. Inspired Checking is a variable rate account and rate and yield are subject to change without notice. Inspired Checking requires monthly direct deposit of $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other restrictions, terms and conditions may apply. Membership is required.

1To receive the rate of 3.00% APY, 20 (twenty) purchase transactions using the Wheelhouse Visa® Debit Card(s) associated with the Inspired Checking account per calendar month required.

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Requirements

20+ Debit Card Purchase Transactions1

Dividend Rate

2.97%

APY*

3.00%

Requirements

<$9,999.99 Average Daily Balance

Dividend Rate

0.10%

APY*

0.10%

Requirements

$10,000 - $74,999.99 Average Daily Balance

Dividend Rate

1.00%

APY*

1.00%

Requirements

$75,000+ Average Daily Balance

Dividend Rate

2.97%

APY*

3.00%

Share Savings

Minimum Balance

Dividend Rate

APY*

Rates effective as of 05/17/2024

*APY = Annual Percentage Yield

See Product Details

Minimum Balance

$0+

Dividend Rate

0.05%

APY*

0.05%

Inspired Share/Savings

Minimum Balance

Dividend Rate

APY*

Rates effective as of 05/17/2024

*APY – Annual Percentage Yield

See Product Details

Minimum Balance

<$9,999.99

Dividend Rate

0.05%

APY*

0.05%

Minimum Balance

$10,000.00+

Dividend Rate

0.10%

APY*

0.10%

Aspire Savings - Smart Start Program

Minimum Balance

Dividend Rate

APY*

Rates effective as of 05/17/2024

Available to members between the ages of 13 to 25.

*APY = Annual Percentage Yield
See Product Details

Minimum Balance

$100+

Dividend Rate

0.05%

APY*

0.05%

Inspired Money Market

Minimum Balance

Dividend Rate

APY*

Rates effective as of 05/17/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.

Minimum Balance

$500 - $9,999.99

Dividend Rate

0.10%

APY*

0.10%

Minimum Balance

$10,000+

Dividend Rate

0.25%

APY*

0.25%

Money Market

Average Daily Balance

Dividend Rate

APY*

Rates effective as of 05/17/2024

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.

See Product Details

Average Daily Balance

$1,000.00 - $9,999.99

Dividend Rate

0.05%

APY*

0.05%

Average Daily Balance

$10,000 - $24,999.99

Dividend Rate

0.05%

APY*

0.05%

Average Daily Balance

$25,000 - $49,999.99

Dividend Rate

0.05%

APY*

0.05%

Average Daily Balance

$50,000 - $89,999.99

Dividend Rate

0.10%

APY*

0.10%

Average Daily Balance

$90,000 and above

Dividend Rate

0.10%

APY*

0.10%

Coverdell Education Savings

Average Daily Balance

Dividend Rate

APY*

Rates effective as of February 2, 2024

*APY = Annual Percentage Yield

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Promotional Term Certificates & IRA Certificates

Terms

$500 - $9,999

APY

$10,000 - $89,999

APY*

$90,000 - $500,000

APY*

Rates are effective as of 05/17/2024

*APY = Annual Percentage Yield. Your Certificate will automatically renew at maturity for the same time period as the original term at the prevailing rate. The rate contracted for Certificates remains in effect for the entire term of the Certificate. The APY for Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from Certificates may be considered a taxable distribution. Please consult a tax advisor. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See your account disclosure for full details. Other terms, conditions, services, and restrictions are subject to change without notice.

1All new money required for the 4-month, 8-month, 11-month and 15-month Certificate promotion with a minimum opening balance of $500 and a maximum deposit of $500,000. Upon maturing, a promotional 4-month Certificate will roll into a non-promotional 6-month Certificate, a promotional 8-month Certificate will roll into a non-promotional 12-month Certificate, a promotional 11-month Certificate will roll into a non-promotional 12-month Certificate and a promotional 15-month Certificate will roll into a non-promotional 18-month Certificate at the prevailing APY.

See Product Details

Terms

$500 - $9,999

Dividend Rate

APY

APY*

$10,000 - $89,999

Dividend Rate

APY*

APY*

$90,000 - $500,000

Dividend Rate

APY*

APY*

Terms

15 months1

$500 - $9,999

4.57%

APY

4.65%

$10,000 - $89,999

4.57%

APY*

4.65%

$90,000 - $500,000

4.57%

APY*

4.65%

Terms

11 months1

$500 - $9,999

4.67%

APY

4.75%

$10,000 - $89,999

4.67%

APY*

4.75%

$90,000 - $500,000

4.67%

APY*

4.75%

Terms

8 months1

$500 - $9,999

3.70%

APY

3.75%

$10,000 - $89,999

3.70%

APY*

3.75%

$90,000 - $500,000

3.70%

APY*

3.75%

Terms

4 months1

$500 - $9,999

2.48%

APY

2.50%

$10,000 - $89,999

2.48%

APY*

2.50%

$90,000 - $500,000

2.48%

APY*

2.50%

Term Certificates & IRA Certificates

Terms

$500 - $9,999

APY*

$10,000 - $89,999

APY*

$90,000+

APY*

Rates effective as of 05/17/2024

*APY = Annual Percentage Yield. Your Certificate will automatically renew at maturity for the same time period as the original term at the prevailing rate. The rate contracted for Certificates remains in effect for the entire term of the Certificate. The APY for Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from IRAs may be considered a taxable distribution. Please consult a tax advisor. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. See your account disclosure for full details. Other terms, conditions, services, and restrictions are subject to change without notice.

43-month term not available on IRA Certificates.

See Product Details

Terms

$500 - $9,999

Dividend Rate

APY*

APY*

$10,000 - $89,999

Dividend Rate

APY*

APY*

$90,000+

Dividend Rate

APY*

APY*

Terms

60 months

$500 - $9,999

3.94%

APY*

4.00%

$10,000 - $89,999

3.94%

APY*

4.00%

$90,000+

3.94%

APY*

4.00%

Terms

36 months

$500 - $9,999

3.70%

APY*

3.75%

$10,000 - $89,999

3.70%

APY*

3.75%

$90,000+

3.70%

APY*

3.75%

Terms

24 months

$500 - $9,999

3.45%

APY*

3.50%

$10,000 - $89,999

3.45%

APY*

3.50%

$90,000+

3.45%

APY*

3.50%

Terms

18 months

$500 - $9,999

4.43%

APY*

4.50%

$10,000 - $89,999

4.43%

APY*

4.50%

$90,000+

4.43%

APY*

4.50%

Terms

12 months

$500 - $9,999

4.43%

APY*

4.50%

$10,000 - $89,999

4.43%

APY*

4.50%

$90,000+

4.43%

APY*

4.50%

Terms

6 months

$500 - $9,999

2.97%

APY*

3.00%

$10,000 - $89,999

2.97%

APY*

3.00%

$90,000+

2.97%

APY*

3.00%

Terms

3 months4

$500 - $9,999

0.30%

APY*

0.30%

$10,000 - $89,999

0.30%

APY*

0.30%

$90,000+

0.30%

APY*

0.30%

Coverdell Education Savings

Average Daily Balance

Dividend Rate

APY*

Rates effective as of February 2, 2024

*APY = Annual Percentage Yield

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Auto Loans (2021 and newer)

Terms

APR*
As low as

Estimated Monthly Payment
per $1,000

Discounted APR*1
As low as

Estimated Discounted Monthly Payment
per $1,000

* APR = Annual Percentage Rate. Rates are effective as of May 20, 2024 and are subject to change without notice. Rates are valid for model years 2021 and newer.

1 Discounted Rates stated include discounts for using Wheelhouse Credit Union’s auto buying service, New Cars Inc. (NCI), purchasing any two (2) ancillary products, and setting up loan auto-pay using your Inspired Checking Account. Internal refinances may not be eligible for all discounted rates. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts.

  • To qualify for a discounted rate of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months, you must purchase a new vehicle from our auto buying service, New Cars Inc (NCI), and finance your purchase with Wheelhouse Credit Union.
  • To qualify for a discounted rate of 0.25%, you must purchase any two (2) ancillary products.
  • To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.

Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 48 mos

APR*
As low as

6.49%

Estimated Monthly Payment
per $1,000

$23.71

Discounted APR*1
As low as

5.49%

Estimated Discounted Monthly Payment
per $1,000

$23.25

Terms

Up to 66 mos

APR*
As low as

6.74%

Estimated Monthly Payment
per $1,000

$18.17

Discounted APR*1
As low as

5.74%

Estimated Discounted Monthly Payment
per $1,000

$17.70

Terms

67 - 75 mos

APR*
As low as

7.24%

Estimated Monthly Payment
per $1,000

$16.62

Discounted APR*1
As low as

6.49%

Estimated Discounted Monthly Payment
per $1,000

$16.26

Terms

76 - 84 mos

APR*
As low as

7.99%

Estimated Monthly Payment
per $1,000

$15.58

Discounted APR*1
As low as

7.24%

Estimated Discounted Monthly Payment
per $1,000

$15.21

Auto Loans (2017 - 2020)

Terms

APR*
As low as

Estimated Monthly Payment
per $1,000

Discounted APR*1
As low as

Estimated Discounted Monthly Payment
per $1,000

* APR = Annual Percentage Rate. Rates are effective as of May 20, 2024 and are subject to change without notice. Rates are valid for model years 2017 to 2020.

1 Discounted Rates stated include discounts for using Wheelhouse Credit Union’s auto buying service, New Cars Inc. (NCI), purchasing any two (2) ancillary products, and setting up loan auto-pay using your Inspired Checking Account. Internal refinances may not be eligible for all discounted rates. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts.

  • To qualify for a discounted rate of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months, you must purchase a new vehicle from our auto buying service, New Cars Inc (NCI), and finance your purchase with Wheelhouse Credit Union.
  • To qualify for a discounted rate of 0.25%, you must purchase any two (2) ancillary products.
  • To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.

Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 48 mos

APR*
As low as

7.49%

Estimated Monthly Payment
per $1,000

$24.17

Discounted APR*1
As low as

6.49%

Estimated Discounted Monthly Payment
per $1,000

$23.71

Terms

Up to 66 mos

APR*
As low as

7.74%

Estimated Monthly Payment
per $1,000

$18.65

Discounted APR*1
As low as

6.74%

Estimated Discounted Monthly Payment
per $1,000

$18.17

Terms

67 - 75 mos

APR*
As low as

8.24%

Estimated Monthly Payment
per $1,000

$17.10

Discounted APR*1
As low as

7.49%

Estimated Discounted Monthly Payment
per $1,000

$16.74

Terms

76 - 84 mos

APR*
As low as

8.99%

Estimated Monthly Payment
per $1,000

$16.08

Discounted APR*1
As low as

8.24%

Estimated Discounted Monthly Payment
per $1,000

$15.71

Motorcycle Loans (2021 and Newer)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

Maximum Discounted APR*2
As low as

Estimated monthly payment
per $1,000

Rates effective May 20, 2024

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change without notice. Other terms and conditions may apply.

2Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts.

• To qualify for a discounted rate of 0.25%, you must purchase any ancillary product.
• To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your
Inspired Checking Account on new eligible loans.

Contact a Team Member for further information. Other terms, conditions, and restrictions may apply.

Inspired Checking is a variable rate account. Rates and APY are subject to change without notice. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$5,000

APR*
As low as

7.24%

Estimated monthly payment
per $1,000

$24.06

Maximum Discounted APR*2
As low as

6.74%

Estimated monthly payment
per $1,000

$23.83

Terms

49 - 66 months

Minimum Loan Amount

$7,500

APR*
As low as

7.49%

Estimated monthly payment
per $1,000

$18.53

Maximum Discounted APR*2
As low as

6.99%

Estimated monthly payment
per $1,000

$18.29

Terms

67 - 75 months

Minimum Loan Amount

$10,000

APR*
As low as

8.49%

Estimated monthly payment
per $1,000

$17.23

Maximum Discounted APR*2
As low as

7.99%

Estimated monthly payment
per $1,000

$16.98

Motorcycle Loans (2017 - 2020)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

Maximum Discounted APR*2
As low as

Estimated monthly payment
per $1,000

Rates effective May 20, 2024

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change without notice. Other terms and conditions may apply.

2Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts.

• To qualify for a discounted rate of 0.25%, you must purchase any ancillary product.
• To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your
Inspired Checking Account on new eligible loans.

Contact a Team Member for further information. Other terms, conditions, and restrictions may apply.

Inspired Checking is a variable rate account. Rates and APY are subject to change without notice. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$2,500

APR*
As low as

8.24%

Estimated monthly payment
per $1,000

$24.53

Maximum Discounted APR*2
As low as

7.74%

Estimated monthly payment
per $1,000

$24.29

Terms

49 - 66 months

Minimum Loan Amount

$5,000

APR*
As low as

8.49%

Estimated monthly payment
per $1,000

$19.02

Maximum Discounted APR*2
As low as

7.99%

Estimated monthly payment
per $1,000

$18.77

Terms

67 - 75 months

Minimum Loan Amount

$10,000

APR*
As low as

9.49%

Estimated monthly payment
per $1,000

$17.73

Maximum Discounted APR*2
As low as

8.99%

Estimated monthly payment
per $1,000

$17.48

RV and Trailer (2021 and Newer)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

Maximum Discounted APR*3
As low as

Estimated monthly payment
per $1,000

Rates effective May 20, 2024

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change without notice.

3Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts.

• To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product.
• To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product.
• To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.

Contact a Team Member for further information. Other terms, conditions, and restrictions may apply.

Inspired Checking is a variable rate account. Rates and APY are subject to change without notice. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*
As low as

8.74%

Estimated monthly payment
per $1,000

$19.14

Maximum Discounted APR*3
As low as

7.99%

Estimated monthly payment
per $1,000

$18.77

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*
As low as

9.24%

Estimated monthly payment
per $1,000

$14.78

Maximum Discounted APR*3
As low as

8.49%

Estimated monthly payment
per $1,000

$14.39

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*
As low as

9.74%

Estimated monthly payment
per $1,000

$11.80

Maximum Discounted APR*3
As low as

8.99%

Estimated monthly payment
per $1,000

$11.37

Terms

145 - 180 months

Minimum Loan Amount

$50,000

APR*
As low as

10.24%

Estimated monthly payment
per $1,000

$10.89

Maximum Discounted APR*3
As low as

9.49%

Estimated monthly payment
per $1,000

$10.44

RV and Trailer (2014 - 2020)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

Maximum Discounted APR*3
As low as

Estimated monthly payment
per $1,000

Rates effective May 20, 2024

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change without notice.

3Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts.

• To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product.
• To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product.
• To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.

Contact a Team Member for further information. Other terms, conditions, and restrictions may apply.

Inspired Checking is a variable rate account. Rates and APY are subject to change without notice. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*
As low as

9.74%

Estimated monthly payment
per $1,000

$19.63

Maximum Discounted APR*3
As low as

9.24%

Estimated monthly payment
per $1,000

$19.38

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*
As low as

10.24%

Estimated monthly payment
per $1,000

$15.30

Maximum Discounted APR*3
As low as

9.74%

Estimated monthly payment
per $1,000

$15.04

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*
As low as

10.74%

Estimated monthly payment
per $1,000

$12.38

Maximum Discounted APR*3
As low as

10.24%

Estimated monthly payment
per $1,000

$12.09

Terms

145 - 180 months

Minimum Loan Amount

$50,000

APR*
As low as

11.24%

Estimated monthly payment
per $1,000

$11.52

Maximum Discounted APR*3
As low as

10.74%

Estimated monthly payment
per $1,000

$11.20

Boat and Sports Craft (2021 and Newer)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

Maximum Discounted APR*4
As low as

Estimated monthly payment
per $1,000

Rates effective May 20, 2024

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change without notice.

4Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts.

• To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product.
• To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product.
• To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.

Contact a Team Member for further information. Other terms, conditions, and restrictions may apply.

Inspired Checking is a variable rate account. Rates and APY are subject to change without notice. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*
As low as

10.49%

Estimated monthly payment
per $1,000

$20.00

Maximum Discounted APR*4
As low as

9.74%

Estimated monthly payment
per $1,000

$19.63

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*
As low as

11.49%

Estimated monthly payment
per $1,000

$15.97

Maximum Discounted APR*4
As low as

10.74%

Estimated monthly payment
per $1,000

$15.57

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*
As low as

12.49%

Estimated monthly payment
per $1,000

$13.43

Maximum Discounted APR*4
As low as

11.74%

Estimated monthly payment
per $1,000

$12.98

Boat and Sports Craft (2020 and Older)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

Maximum Discounted APR*4
As low as

Estimated monthly payment
per $1,000

Rates effective May 20, 2024

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change without notice.

4Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts.

• To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product.
• To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product.
• To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.

Contact a Team Member for further information. Other terms, conditions, and restrictions may apply.

Inspired Checking is a variable rate account. Rates and APY are subject to change without notice. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*
As low as

11.49%

Estimated monthly payment
per $1,000

$20.51

Maximum Discounted APR*4
As low as

10.74%

Estimated monthly payment
per $1,000

$20.13

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*
As low as

12.49%

Estimated monthly payment
per $1,000

$16.52

Maximum Discounted APR*4
As low as

11.74%

Estimated monthly payment
per $1,000

$16.11

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*
As low as

13.49%

Estimated monthly payment
per $1,000

$14.05

Maximum Discounted APR*4
As low as

12.74%

Estimated monthly payment
per $1,000

$13.59

Visa Credit Cards

Card

APR*

Rates as of February 21, 2024
*APR = Annual Percentage Rate

See full summary of rates and terms

See Product Details

Card

Visa® Platinum Credit Card

APR*

14.74% - 26.74% APR*

Card

Visa® Platinum Rewards Credit Card

APR*

15.50% - 27.50% APR*

Solar and Energy Efficient Loans

Terms

Maximum Loan Amount

APR*
As low as

Estimated monthly payment per $1,000

With Inspired Checking2
As low as

Estimated monthly payment per $1,000

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are based on credit worthiness, payment method and loan term. Rates are effective May 20, 2024 and are subject to change without notice.

1 Payment may be deferred for up to 90 days from loan funding. Interest will accrue during the deferral period. Not all borrowers will qualify.

2Inspired Checking Loan Discount – Take 0.25% APR off when you open an Inspired Checking account with a new eligible loan and set up automatic loan payments from the Inspired Checking account (per eligible loan).

Inspired Checking is a variable rate account. Rates and APY are subject to change without notice. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

Energy Efficient Loans includes Water Conservation program.

Product Details for Solar Product Details for Energy Efficient

The CA. SB2, Atkins. Building Homes and Job Act imposes a fee of $75.
UCC-1 filing is required.

Terms

Up to 96 months1

Maximum Loan Amount

$80,000

APR*
As low as

7.24%

Estimated monthly payment per $1,000

$13.75

With Inspired Checking2
As low as

6.99%

Estimated monthly payment per $1,000

$13.63

Terms

97 - 144 months1

Maximum Loan Amount

$80,000

APR*
As low as

8.74%

Estimated monthly payment per $1,000

$11.23

With Inspired Checking2
As low as

8.49%

Estimated monthly payment per $1,000

$11.09

Terms

145 - 240 months1

Maximum Loan Amount

$80,000

APR*
As low as

9.24%

Estimated monthly payment per $1,000

$9.15

With Inspired Checking2
As low as

8.99%

Estimated monthly payment per $1,000

$8.99

Personal Loans

Loan Type

Terms

Loan Amount

With Ancillary Product Purchase
& Inspired Checking APR*1
As low as

Estimated monthly payment per $1,000

Rates effective May 20, 2024

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

1 Rates stated includes a discount of 0.25% APR with the purchase of an ancillary product.

Inspired Checking Loan Discount – Take 0.25% APR off the standard rate when you open an Inspired Checking account with a new eligible loan and set up automatic loan payments from the Inspired Checking account (per eligible loan).

Inspired Checking is a variable rate account. Rates and APY are subject to change without notice. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA.

2 No additional discounts apply. Rates are determined based on savings or certificate rate plus a 3% margin. Certificate Secured loans are due and payable upon maturity of the certificate account.

See Product Details

Loan Type

Life Loan

Terms

Up to 60 months

Loan Amount

$500 - $25,000

With Ancillary Product Purchase
& Inspired Checking APR*1
As low as

12.49%

Estimated monthly payment per $1,000

$22.49

Loan Type

Bill Consolidation Loan

Terms

Up to 60 months

Loan Amount

$500 - $20,000

With Ancillary Product Purchase
& Inspired Checking APR*1
As low as

15.99%

Estimated monthly payment per $1,000

$24.31

Loan Type

Terms

Loan Amount

With Ancillary Product Purchase
& Inspired Checking APR*1
As low as

Estimated monthly payment per $1,000

Loan Type

Loan Type

Terms

Terms

Loan Amount

Min. Loan Amount

With Ancillary Product Purchase
& Inspired Checking APR*1
As low as

APR*

Estimated monthly payment per $1,000

Loan Type

Share Secured2

Terms

Up to 120 months

Loan Amount

$100

With Ancillary Product Purchase
& Inspired Checking APR*1
As low as

Savings rate + 3% APR*

Estimated monthly payment per $1,000

Loan Type

Certificate Secured2

Terms

60 months or up to certificate term

Loan Amount

$500

With Ancillary Product Purchase
& Inspired Checking APR*1
As low as

Certificate rate + 3% APR*

Estimated monthly payment per $1,000

Line of Credit

Loan Type

Maximum Loan Amount

APR*
As low as

Rates effective May 20, 2024

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply.

3 Rate stated include a discount of 0.25% APR with the purchase of an ancillary product.

Loan Type

1010 Police Department Loan

Maximum Loan Amount

$2,500

APR*
As low as

9.11%

Loan Type

Money on Request

Maximum Loan Amount

$15,000

APR*
As low as

14.49%3

Home Equity Line of Credit

Combined Loan-To-Value (CLTV)

Loan Amount

Rate
(as low as)

Introductory APR1
(as low as)

Points

Disclosure

*APR = Annual Percentage Rate. Rates and terms effective March 1, 2024 and are subject to change without notice. Other terms and conditions may apply. All loans are subject to approval. Membership is required.

Second Home property types will require a 0.25% add-on to published rate. Investment property types will require a 0.50% add-on to published rate. $25,000 minimum loan amount.

1HELOC Introductory Rate. The initial APR is “discounted”. Rate will be in effect for a period of 12 months from the signing date of the Home Equity Line of Credit Agreement and Disclosure Statement. Second Home property types will require a 0.25% add-on to the HELOC Introductory Rate. Investment property types will require a 0.50% add-on to the HELOC Introductory Rate. Thereafter, the APR will be determined as set forth in the Home Equity Line of Credit Agreement and Disclosure Statement and the variable rate may adjust monthly based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin. All loans are subject to approval. The APR will not decrease below 3.99%. The APR cannot exceed 18.00%. The APR may vary based upon the collateral, amount financed and credit history.

2You may obtain advances for 10 years. This period is called the “draw period.” During the draw period your payments will be due monthly and will equal the periodic interest finance charges accrued on the outstanding balance during the billing period, plus any amount that is past due, plus any other finance charges imposed during the billing cycle. Your minimum monthly payment during the draw period may not reduce the principal that is outstanding on your line.

Minimum Payment Example. The information provided is based on an initial $10,000 advance at funding. The property is an existing single family home and used as a primary residence. The assumed credit score is 720 with an assumed CLTV of 75% or less and a credit limit of $100,000 or less.

During Draw Period

  • 12 payments of $66.58 at an initial interest rate of 7.99%
  • 108 payments of $79.16 at a variable interest rate of 9.50%

During Repayment Period

  • 239 payments of $93.27 at a variable interest rate of 9.50%
  • 1 payment of $89.25 at a variable interest rate of 9.50%

375% max CLTV for owner-occupied primary residence and a loan amount of up to $100,000. 65% max CLTV for owner-occupied primary residence and a loan amount of up to $250,000. Additional CLTV restrictions may apply for non-owner occupied primary residences, vacation/2nd homes & investment/rental properties. Loan-to-Value (LTV) and/or Combined LTV (CLTV) restrictions apply.

4The interest on your home equity financing may be tax deductible. Consult your tax adviser regarding deductibility of interest.

See Product Details

Combined Loan-To-Value (CLTV)

Up to 75%

Loan Amount

$25,000 to $100,000

Rate
(as low as)

7.99%

Introductory APR1
(as low as)

7.99%

Points

0.000

Combined Loan-To-Value (CLTV)

Up to 65%

Loan Amount

$25,000 to $250,000

Rate
(as low as)

7.99%

Introductory APR1
(as low as)

7.99%

Points

0.000

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