Rates

Account Rates

Rates for savings and checking are effective as of October 1, 2025. 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
Checkless	N/A	N/A
OMO	N/A	N/A
Select	.10%	$500

Savings

Account	APY**	Minimum to Earn Yield
Primary	Up to .25%	$500
Start Smart	Up to .25%	$25
Maxx***	Up to 1.75%	$2,500
OMO	Up to .25%	$25
Holiday Account	Up to .25%	$500

Share Certificates (CDs)

Account	APY**	Minimum to Earn Yield
12 month	3.49% 3.55% 3.60% 3.65%	$500 $25,000 $50,000 $100,000
24 month	3.00% 3.05% 3.10% 3.15%	$500 $25,000 $50,000 $100,000
36 month	2.50% 2.55% 2.60% 2.65%	$500 $25,000 $50,000 $100,000

Individual Retirement Accounts (IRA)

Account	APY**	Minimum to Earn Yield
Savings	Up to .25%	$500
12 month	3.50% 3.55% 3.60% 3.65%	$500 $25,000 $50,000 $100,000
24 month	3.00% 3.05% 3.10% 3.15%	$500 $25,000 $50,000 $100,000
36 month	2.50% 2.55% 2.60% 2.65%	$500 $25,000 $50,000 $100,000

Loan Rates

Rates for loans effective as of September 2, 2025

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 4.65%*
Used Auto	Up to 72 months	As low as 4.65%*
Refinanced Auto	Up to 72 months	As low as 4.65%*
Motorcycle	Up to 72 months	As low as 4.65%*
Boat	Up to 120 months	As low as 4.65%*
RV	Up to 120 months	As low as 4.65%*

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	Rate
5 years	as low as 6.39%*
10 years	as low as 6.64%*
15 years	as low as 6.89%*
20 years	as low as 7.14%*
	*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.
***Maxx Savings is limited to three withdrawals per month, additional withdrawals will incur a fee.