Auto Loan Rates
Auto Loans
| Model Year | Term1 | APR |
|---|---|---|
| New Auto 2023 + Newer | 36 to 72 Months | As low as 5.49% APR |
| New Auto 2023 + Newer | 73 to 84 Months | As low as 5.99% APR2 |
| 2017 - 2022 | 36 to 72 Months | As low as 9.49% APR |
| 2016 & Older | 36 to 60 Months | As low as 10.49% APR |
Loan rates as of September 20, 2024.
1.
Rate discounts are available to qualified borrowers. Ask an employee for details. 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 $5,000 minimum loan amount, a minimum 36-month term, and a floor rate of 5.49% APR. There is a $49 Processing Fee on all new auto loans (2023 and newer). There is a $124 Processing Fee on all used auto loans (2022 and older).
Best Credit Financing Examples: An Auto Loan of $20,000 at 5.49% APR for a 36-month term would result in a monthly payment of approximately $603.83. An Auto Loan of $20,000 at 5.99% APR for a 84-month term would result in a monthly payment of approximately $292.08. An Auto Loan of $20,000 at 9.49% APR for a 72-month term would result in a monthly payment of approximately $365.39. An Auto Loan of $20,000 at 10.49% APR for a 60-month term would result in a monthly payment of approximately $429.78.
2.
There is a $15,000 minimum loan amount to receive 5.99% APR for qualified borrowers.
Real Estate Loan Rates
Mortgage Rates
Home Equity Line of Credit (HELOC)
| Program | Line of Credit Limit | Notes | APR1 |
|---|---|---|---|
| Up to 80% LTV - Primary Residence Only | $10,000 - $500,000 | As low as Prime + .50% | Currently at: 8.25% APR |
| Up to 90% LTV - Primary Residence Only | $10,000 - $250,000 | As low as Prime + 1.50% | Currently at: 9.25% APR |
| Up to 80% HCLTV - Secondary Residence Only | $10,000 - $500,000 | As low as Prime + 2.50% | Currently at: 10.25% APR |
| Interest Only Payment Up to 80% LTV | $10,000 - $250,000 | As low as Prime + 0.75% | Currently at: 8.50% APR |
| Interest Only Payment Up to 90% LTV | $10,000 - $250,000 | As low as Prime + 1.75% | Currently at: 9.50% APR |
APR = Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans are subject to approval. HELOC has a floor rate of 3.74% APR. 1The Annual Percentage Rate may vary after the account is opened. The maximum rate that may be imposed is 18.00% APR. There is a $100 minimum monthly payment. HELOC is available for properties in California, Florida, Illinois, Indiana, Iowa, Georgia, Minnesota, Nevada, Tennessee, Washington, Wisconsin Only and closing costs vary by state ranging from $650 - $1,900.
Loan rates as of September 20, 2024.
1.
HELOC has a floor rate of 3.74% APR. The Annual Percentage Rate may vary after the account is opened. The maximum rate that may be imposed is 18.00% APR. There is a $100 minimum monthly payment. Closing costs vary by state ranging from $650 - $1,900.
2.
5.99% Fixed Promo Rate is capped at a maximum 80% HCLTV and is available on primary and secondary homes. 6.99% Fixed Promo Rate is capped at a maximum 90% HCLTV available on primary and secondary homes. Must be an existing Credit Union 1 member or be eligible for membership prior to loan origination. New members may be required to pay a one-time membership fee of up to $10. Property insurance is required on all HELOC loans. A statement of property insurance will be requested prior to loan origination. This promotional offer may end at any time without notice.
Fixed Rate Home Equity Loan
| Program | Line of Credit Limit | Term | APR1 |
|---|---|---|---|
| Up to 80% LTV – Owner Occupied | $10,000 - $500,000 | 5, 10, 15, 20 years | As low as 6.50% APR |
| Up to 90% LTV – Owner Occupied | $10,000 - $250,000 | 5, 10, 15, 20 years | As low as 6.75% APR |
| Up to 70% LTV – 2nd Home | $10,000 - $249,999 | 5, 10, 15, 20 years | As low as 8.50% APR |
| Up to 80% LTV – 2nd Home | $10,000 - $500,000 | 5, 10, 15, 20 years | As low as 8.75% APR |
APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans are subject to approval. 2For any Fixed Rate Home Equity Loan, the borrower is responsible for any third-party fees associated with the origination of the loan. The borrower should consult a tax adviser for further information regarding the deductibility of interest and charges. Available in California, Florida, Illinois, Indiana, Iowa, Georgia, Minnesota, Nevada, Tennessee, Washington, Wisconsin Only. Best Credit Financing Examples: A Home Equity Loan of $20,000 at 9.125% APR for a 60-month term would result in a monthly payment of approximately $416.38. A Home Equity Loan of $20,000 at 9.250% APR for an 84-month term would result in a monthly payment of approximately $324.32. A Home Equity Loan of $20,000 at 9.375% APR for a 120-month term would result in a monthly payment of approximately $257.43. Home Equity Loan payment examples do not include taxes and insurance premiums, CU1 Home Equity Loans do not escrow for taxes and insurance. These premiums will be paid separately from the Home Equity Loan.
Loan rates as of September 20, 2024.
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.
Personal Loan Rates
Signature Loans
| Program | Term | Rate | APR |
|---|---|---|---|
| Signature Loan | Up to 36 months | As low as 12.99% APR | 14.477% APR |
| Signature Loan | Up to 48 months | As low as 15.49% APR | 16.647% APR |
| Signature Loan | Up to 60 months | As low as 15.74% APR | 16.195% APR |
Apply Online Call 800.710.7359 Schedule Appointment
Minimum Credit Score of 700 required. 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. There is a minimum loan amount of $5,000, a maximum loan amount of $48,000, a minimum 12-month term, and a floor rate of 12.99%. There is a $99 Processing Fee.1 Best Credit Financing Example: A Signature Loan of $5,000 at 14.477% APR for a 36-month term would result in a monthly payment of approximately $167.2 Best Credit Financing Example: A Signature Loan of $5,000 at 16.647% APR for a 48-month term would result in a monthly payment of approximately $139.3 There is a minimum loan amount of $10,000 for a 60-month term. Best Credit Financing Example: A Signature Loan of $10,000 at 16.195% APR for a 60-month term would result in a monthly payment of approximately $242.
Loan rates as of September 20, 2024.
Secured Loans
| Program | APR | Fixed or Varied Rate |
|---|---|---|
| Share Secured Loan | Share Dividend Rate + 3.00 - 6.00% APR | This APR will vary with the market based on the dividend rate. |
| Share Certificate Secured Loan | Share Certificate Dividend Rate + 3.00 - 6.00% APR | This APR is fixed for the term of the Certificate. |
Apply Online Call 800.710.7359 Schedule Appointment
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. There is a $49 Processing Fee on all secured loans.
Loan rates as of September 20, 2024.
Line of Credit
| Program | APR1 |
|---|---|
| Overdraft Protection Line of Credit | 19.99% APR |
Apply Online Call 800.710.7359 Schedule Appointment
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. The Overdraft Transaction fee is $5.00.
Loan rates as of September 20, 2024.
1.
There is a $500 minimum line of credit limit.
Checking Account Rates
Dividend Bearing Checking Accounts
| Program | Minimum Balance to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|---|
| Student Checking Account | $25 or $500 Direct Deposit | Does not earn dividends | n/a | n/a |
| Free Checking Account | $25 or $500 Direct Deposit | Does not earn dividends | n/a | n/a |
| Plus Checking Account | $500 | $.01 | 0.01% APY | 0.010% APR |
| Premium Plus Checking Account | $500 and aggregate relationship with CU1 of $50,000 | $.01 | 0.01% APY | 0.010% APR |
| High Yield Checking2 | $1,000 Direct Deposit | $.01 | 4.75% APY | 4.649% APR |
Last Dividend Declaration Date: August 28, 2024. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.
2.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rate is subject to change without notice. The rate may change after the account is opened and without notice. Dividends calculated using Average Daily Balance. Requirements to earn the current declared High Yield Checking rate on balances up to $10,000: You must (1) be enrolled in digital banking by registering for CU1’s digital banking service and create a password, (2) be enrolled in eStatements for the account in which the High Yield Checking Account is established, (3) have at least 15 CU1 Bill Pay or CU1 Visa®️ debit card transactions per calendar month (or a combination of the two), excluding ATM transactions, in the High Yield Checking Account, and (4) have minimum aggregate deposits totaling $1,000 deposited into the High Yield Checking per calendar month. Balances over $10,000 will earn 0.01% APY. Transactions that are pending on your High Yield Checking account and have not posted as of the end of the calendar month qualification cycle, will not count as qualifying transaction for that calendar month cycle. If Requirements are not met, balances will earn 0.01% APY. Deposits, bill pay transactions, and/or debit card transactions made to any other account or sub account belonging to the account owner, or any joint owner, will not apply to these High Yield checking requirements.
Savings Account Rates
Savings Accounts
| Program | Minimum Balance to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|---|
| Primary Savings | $5 | $5 | 0.01% APY | 0.010% APR |
| Additional Savings | $0 | $0.01 | 0.01% APY | 0.010% APR |
| High Yield Savings2 | $0 | $1 | 2.55% APY | 2.520% APR |
Last Dividend Declaration Date: August 28, 2024. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.
2.
APY = Annual Percentage Yield. Must be New Money and deposited into the High Yield Savings Account. “New Money” is defined as money not on deposit with Credit Union 1 within the last 12 months and transferred in from a different financial institution (no Credit Union 1 to Credit Union 1 balance transfers allowed at any time. Any funds transferred in this manner will be redeposited into the original account and earn at the current rate). Money removed from Credit Union 1, then redeposited within a 12-month period from the withdrawal, will not be eligible for the High Yield Savings Account Rate.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.
2.
We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce the earnings on the account.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.
2.
We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce the earnings on the account.
IRA Certificate (Traditional, Roth or Educational)
| Term | Minimum Balance to Open and Earn Dividends | APY1 | APR | Early Withdrawal Penalty2 |
|---|---|---|---|---|
| 6 Months | $1,000 | 2.00% APY | 1.982% APR | 90 Days’ Dividends |
| 12 Months | $1,000 | 3.25% APY | 3.202% APR | 90 Days’ Dividends |
| 24 Months | $1,000 | 3.00% APY | 2.959% APR | 180 Days’ Dividends |
| 36 Months | $1,000 | 3.00% APY | 2.959% APR | 270 Days’ Dividends |
| 48 Months | $1,000 | 2.75% APY | 2.715% APR | 270 Days’ Dividends |
| 60 Months | $1,000 | 2.75% APY | 2.715% APR | 270 Days’ Dividends |
Last Dividend Declaration Date: August 28, 2024. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.
2.
We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce the earnings on the account.
IRA Certificate Plus (Traditional, Roth or Educational)
| Term | Minimum Balance to Open and Earn Dividends | APY1 | APR | Early Withdrawal Penalty2 |
|---|---|---|---|---|
| 6 Months | $10,000 | 2.00% APY | 1.982% APR | 90 Days’ Dividends |
| 12 Months | $10,000 | 3.25% APY | 3.202% APR | 90 Days’ Dividends |
| 24 Months | $10,000 | 3.00% APY | 2.959% APR | 180 Days’ Dividends |
| 36 Months | $10,000 | 3.00% APY | 2.959% APR | 270 Days’ Dividends |
| 48 Months | $10,000 | 2.75% APY | 2.715% APR | 270 Days’ Dividends |
| 60 Months | $10,000 | 2.75% APY | 2.715% APR | 270 Days’ Dividends |
Last Dividend Declaration Date: August 28, 2024. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.
2.
We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce the earnings on the account.
Savings IRA Accounts
| Program | Minimum Balance to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|---|
| Savings IRA | $0 | $.01 | 0.01% APY | 0.010% APR |
| Savings ROTH IRA | $0 | $.01 | 0.01% APY | 0.010% APR |
| Savings Education IRA | $0 | $.01 | 0.01% APY | 0.010% APR |
Last Dividend Declaration Date: August 28, 2024. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.
Money Market Accounts
| Minimum Balance to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|
| $2,500 | $2,500 | 0.05% APY | 0.050% APR |
| $2,500 | $25,000 | 0.10% APY | 0.100% APR |
| $2,500 | $50,000 | 0.20% APY | 0.199% APR |
| $2,500 | $100,000 | 0.30% APY | 0.299% APR |
| $2,500 | $250,000 | 0.40% APY | 0.399% APR |
Last Dividend Declaration Date: August 28, 2024. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.
Fighting Irish Rates
Fighting Irish Checking Accounts
| Program | Minimum Balance to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|---|
| Fighting Irish Checking Account | $0 and Net Direct Deposit | $0.01 | 2.55% APY | 2.520% |
| Fighting Irish Student Checking Account | $25 or $500 Direct Deposit | Does not earn dividends | n/a | n/a |
| Fighting Irish Plus Checking Account | $500 | $.01 | 0.01% APY | 0.010% APR |
| Fighting Irish Premium Plus Checking Account | $500 and aggregate relationship with CU1 of $50,000 | $.01 | 0.01% APY | 0.010% APR |
Dividends calculated using Average Daily Balance
Last Dividend Declaration Date: August 28, 2024. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.
Shamrock Savings Accounts
| Program | Minimum Balance to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|---|
| Shamrock Savings (Primary Savings) | $5 | $5 | 0.01% APY | 0.010% APR |
| Shamrock High Yield Savings | $50,000 | $1 | 2.55% APY | 2.520% APR |
Dividends calculated using Daily Balance
Last Dividend Declaration Date: August 28, 2024. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.
2.
APY = Annual Percentage Yield. Must be New Money and deposited into the High Yield Savings Account. “New Money” is defined as money not on deposit with Credit Union 1 within the last 12 months and transferred in from a different financial institution (no Credit Union 1 to Credit Union 1 balance transfers allowed at any time. Any funds transferred in this manner will be redeposited into the original account and earn at the current rate). Money removed from Credit Union 1, then redeposited within a 12-month period from the withdrawal, will not be eligible for the High Yield Savings Account Rate.
Business Banking Rates
Business Checking Accounts
| Program | Minimum Balance Requirement | Minimum Deposit to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|---|---|
| Business Elite Checking | $25,0002 | $100 | $0.01 | 0.01% APY | 0.010% |
| Business Performance Checking | $5,0003 | $100 | $0.01 | 0.01% APY | 0.010% |
| Business Express Checking | $1,5004 | $100 | Does not earn dividends | n/a | n/a |
| Community Checking | n/a | $100 | Does not earn dividends | n/a | n/a |
Last Dividend Declaration Date: August 28, 2024. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.
2.
If balance falls below the $25,000 minimum average daily balance requirement, there is a $50.00 fee per month. Waived if Merchant Services are deposited into the account.
3.
If balance falls below the $5,000 minimum average daily balance requirement, there is a $15.00 fee per month. Waived if Merchant Services are deposited into the account.
4.
If balance falls below the $1,500 minimum average daily balance requirement, there is a $10.00 fee per month. Waived if Merchant Services are deposited into the account.
Business Savings Accounts
| Program | Minimum Deposit to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|---|
| Primary Savings | $5 | $5 | 0.01% APY | 0.010% APR |
Last Dividend Declaration Date: August 28, 2024. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.
Business Money Market Accounts
| Minimum Deposit to Open | Minimum Balance to Earn Dividends | APY1 | APR |
|---|---|---|---|
| $5,000 | $5,000 | 0.05% APY | 0.050% APR |
| $5,000 | $25,000 | 0.10% APY | 0.100% APR |
| $5,000 | $50,000 | 0.20% APY | 0.199% APR |
| $5,000 | $100,000 | 0.30% APY | 0.299% APR |
| $5,000 | $250,000 | 0.40% APY | 0.399% APR |
Last Dividend Declaration Date: August 28, 2024. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.
Last Dividend Declaration Date: August 28, 2024. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.
2.
We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce earnings on the account.
Last Dividend Declaration Date: August 28, 2024. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.
1.
APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.
2.
We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce earnings on the account.