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Rates

Account Rates

Rates for savings and checking are effective as of September 1, 2023. Savings rates are based on a tiered system, see credit union for details.

Checking
AccountAPY**Minimum to Earn Yield
Better Than Free.25%$500
ChecklessN/AN/A
OMON/AN/A
Select.25%$500
Savings*
AccountAPY**Minimum to Earn Yield
PrimaryUp to 1.50%$500
Start SmartUp to 1.50%$25
OMOUp to 1.50%$25
SelectUp to 1.50%$500
Holiday AccountUp to 1.50%$500
Share Certificates (CDs)*
AccountAPY**Minimum to Earn Yield
12 month4.75%
4.80%
4.86%
4.90%
$500
$25,000
$50,000
$100,000
24 month4.80%
4.86%
4.90%
4.95%
$500
$25,000
$50,000
$100,000
36 month4.86%
4.90%
4.95%
5.00%
$500
$25,000
$50,000
$100,000
Individual Retirement Accounts (IRA)*
AccountAPY**Minimum to Earn Yield
SavingsUp to 1.50%$500
12 month4.75%
4.80%
4.86%
4.90%
$500
$25,000
$50,000
$100,000
24 month4.80%
4.86%
4.90%
4.95%
$500
$25,000
$50,000
$100,000
36 month4.86%
4.90%
4.95%
5.00%
$500
$25,000
$50,000
$100,000

Loan Rates

Rates for loans effective as of December 18, 2023

New Mortgage
For daily updated rates, please visit – https://southwestfinancial.cumortgagecenter.com/
Auto Loans
LoanTermAPR*
New AutoUp to 72 monthsAs low as 5.33%*
Used AutoUp to 72 monthsAs low as 5.33%*
Refinanced AutoUp to 72 monthsAs low as 5.33%*
MotorcycleUp to 72 monthsAs low as 5.33%*
BoatUp to 120 monthsAs low as 5.33%*
RVUp to 120 monthsAs low as 5.33%*
Auto Loan Rate Buydowns
Rate BreaksRate
Auto Pay.10%
Checking Account.15%
GAP.10%
Ext Warranty.25%
Credit Life.10%
Credity Disability.20%
Dent Guard.10%
Credit Cards
Card TypeAPR*
Platinum VISAAs low as 8.99%
Rewards VISA17.99%
Personal Loans
Loan TypeAPR
Signature LoanAs low as 9.99%
Hassle Free Loan17.99%
Share SecuredVariable
Home Equity Loans
TermRate
5 yearsas low as 6.89%*
10 yearsas low as 7.14%*
15 yearsas low as 7.39%*
*Rates are based on lien position

*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.

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