Rates

Account Rates

Rates for savings and checking are effective as of May 1, 2026. Savings rates are based on a tiered system, see credit union for details.

Checking

Account	APY**	Minimum to Earn Yield
Better Than Free	.10%	$500
OMO	N/A	N/A
Select	.10%	$500
High Yield	3.40%	$500
	.10%	$25,001
**APY = Annual Percentage Yield. APY is accurate as of May 1, 2026. Rates are subject to change at any time and are not guaranteed.

Savings

Account	APY**	Minimum to Earn Yield
Primary	.15%	$500
	.25%	$25,000
Start Smart	.15%	$25
	.25%	$25,000
OMO	.15%	$25
	.25%	$25,000
Secondary	.15%	$500
	.25%	$25,000
Holiday	.15%	$500
	.25%	$25,000
Maxx***	1.25%	$2,500
	1.50%	$25,000
	1.75%	$75,000
APY = Annual Percentage Yield. APY is accurate as of May 1, 2026. Rates are subject to change at any time and are not guaranteed. *Maxx Savings is limited to three withdrawals per month. Additional withdrawals may incur a fee per transaction, which could reduce earnings.

Share Certificates (CDs)

Account	APY**	Minimum to Earn Yield
12 month	3.35% 3.40% 3.45% 3.51%	$500 $25,000 $50,000 $100,000
24 month	2.85% 2.90% 2.95% 3.00%	$500 $25,000 $50,000 $100,000
36 month	2.36% 2.40% 2.45% 2.50%	$500 $25,000 $50,000 $100,000
**APY = Annual Percentage Yield. APY is accurate as of May 1, 2026. Rates are subject to change at any time and are not guaranteed. Withdrawals are permitted. However, a penalty of 180 days of dividends (earned or unearned) will apply. Penalty may reduce the principal earnings.

Individual Retirement Accounts (IRA)

Account	APY**	Minimum to Earn Yield
Savings	Up to .25%	$500
12 month	3.35% 3.40% 3.45% 3.51%	$500 $25,000 $50,000 $100,000
24 month	2.85% 2.90% 2.95% 3.00%	$500 $25,000 $50,000 $100,000
36 month	2.36% 2.40% 2.45% 2.50%	$500 $25,000 $50,000 $100,000
**APY = Annual Percentage Yield. APY is accurate as of May 1, 2026. Rates are subject to change at any time and are not guaranteed.

Loan Rates

Rates for loans effective as of May 1, 2026

New Mortgage

For daily updated rates, please visit – https://southwestfinancial.cumortgagecenter.com/

Auto Loans

Loan	Term	APR*
New Auto	Up to 72 months	As low as 4.39%*
Used Auto	Up to 72 months	As low as 4.39%*
Refinanced Auto	Up to 72 months	As low as 4.39%*
Motorcycle	Up to 72 months	As low as 4.39%*
Boat	Up to 120 months	As low as 4.39%*
RV	Up to 120 months	As low as 4.39%*

Auto Loan Rate Buydowns

Rate Breaks	Rate
Auto Pay	.10%
Checking Account	.15%
GAP	.10%
Ext Warranty	.25%
Credit Life	.10%
Credity Disability	.20%
Dent Guard	.10%

Credit Cards

Card Type	APR*
Platinum VISA	As low as 8.99%
Rewards VISA	17.99%

Personal Loans

Loan Type	APR*
Signature Loan	As low as 10.99%
Hassle Free Loan	17.99%
Share Secured	Variable

Home Equity Loans

Term	APR*
First Lien
5 years	5.74% over $100,000
	5.99% less than $100,000
10 years	5.99% over $100,000
	6.24% less than $100,000
15 years	6.24% over $100,000
	6.49% less than $100,000
20 years	6.49% over $100,000
	6.74% less than $100,000
Second Lien
5 years	6.74% over $100,000
	6.99% less than $100,000
10 years	6.99% over $100,000
	7.24% less than $100,000
15 years	7.24% over $100,000
	7.49% less than $100,000
20 years	7.49% over $100,000
	7.74% less than $100,000

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan
**APY = Annual Percentage Yield. Rates are subject to change at any time and are not guaranteed.