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Rates

Account Rates

Rates for savings and checking are effective as of November 1, 2024. Savings rates are based on a tiered system, see credit union for details.

Checking
AccountAPY**Minimum to Earn Yield
Better Than Free.10%$500
ChecklessN/AN/A
OMON/AN/A
Select.10%$500
Savings
AccountAPY**Minimum to Earn Yield
PrimaryUp to .25%$500
Start SmartUp to .25%$25
Maxx***Up to 1.75%$2,500
OMOUp to .25%$25
SelectUp to .25%$500
Holiday AccountUp to .25%$500
Share Certificates (CDs)
AccountAPY**Minimum to Earn Yield
12 month4.15%
4.20%
4.25%
4.30%
$500
$25,000
$50,000
$100,000
24 month3.90%
3.95%
4.00%
4.05%
$500
$25,000
$50,000
$100,000
36 month3.65%
3.70%
3.75%
3.80%
$500
$25,000
$50,000
$100,000
Individual Retirement Accounts (IRA)
AccountAPY**Minimum to Earn Yield
SavingsUp to .25%$500
12 month4.15%
4.20%
4.25%
4.30%
$500
$25,000
$50,000
$100,000
24 month3.90%
3.95%
4.00%
4.05%
$500
$25,000
$50,000
$100,000
36 month3.65%
3.70%
3.75%
3.80%
$500
$25,000
$50,000
$100,000

Loan Rates

Rates for loans effective as of November 1, 2024

New Mortgage
For daily updated rates, please visit – https://southwestfinancial.cumortgagecenter.com/
Auto Loans
LoanTermAPR*
New AutoUp to 72 monthsAs low as 4.83%*
Used AutoUp to 72 monthsAs low as 4.83%*
Refinanced AutoUp to 72 monthsAs low as 4.83%*
MotorcycleUp to 72 monthsAs low as 4.83%*
BoatUp to 120 monthsAs low as 4.83%*
RVUp to 120 monthsAs low as 4.83%*
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 10.99%
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.
***Maxx Savings is limited to three withdrawals per month, additional withdrawals will incur a fee.

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