Back

Rates and Yields

  • Rates and Yields as of 09/02/2015
  • Prime Rate: 3.25%

Checking

Earn a 0.10% APY increase on MoreChecking with More benefits, or a 0.20% APY increase with Even More benefits! Learn more.
Account Type Dividend Rate APY1
MoreChecking 0.05% 0.05%
Affinity Checking 0.00% 0.00%

Savings

Earn a 0.10% APY increase on MoreSavings with More benefits, or a 0.20% APY increase with Even More benefits! Learn more.
Account Type Dividend Rate APY2
MoreSavings
$0 - $4,999 0.00% 0.00%
$5,000 - $24,999 0.25% 0.25%
$25,000 - $49,999 0.40% 0.40%
$50,000 - $99,999 0.50% 0.50%
$100,000 and above 0.65% 0.65%
Affinity Savings 0.05% 0.05%
Club Savings 0.05% 0.05%
Money Manager
$1,000-$19,999 0.05% 0.05%
$20,000-$34,999 0.15% 0.15%
$35,000-$49,999 0.20% 0.20%
$50,000 and up 0.30% 0.30%

Youth Accounts

Account Type Dividend Rate APY3
Savvy Saver 0.05% 0.05%
Teen Checking 0.01% 0.01%
Teen Savings 0.05% 0.05%
Revolution Spend 0.00% 0.00%
Revolution Save
$0 - $2,500 1.24% 1.25%
$2,500.01 and above 0.25% 0.25%

Credit Cards

Card Type Variable APR4
Premium Visa® 8.60% - 14.60%
Pure Rewards® Visa® 12.00% - 18.00%
Business First® Visa® 12.00%
Secured Visa® 10.60%

Auto Loans

Loan Type Term APR as low as5
New Auto Up to 48 Months 1.49%
  49-60 Months 2.49%
  61-72 Months 2.99%
  73-84 Months 3.24%
Used Auto Up to 36 Months 2.49%
  37-60 Months 2.99%
  61-72 Months 3.49%
  73-84 Months 3.99%

Mortgages

View All Mortgage Rates
Description Rate APR6
30 Year Fixed Rate Mortgage 4% 4.013%
20 Year Fixed Rate Mortgage 3.875% 3.892%
15 Year Fixed Rate Mortgage 3.125% 3.147%
10 Year Fixed Rate Mortgage 3% 3.031%
3/1/30 Year Adjustable Rate Mortgage 2.5% 2.707%
5/1/30 Year Adjustable Rate Mortgage 2.625% 2.719%
7/1/30 Year Adjustable Rate Mortgage 2.75% 2.762%
10/1/30 Year Adjustable Rate Mortgage 4% 3.533%
Jumbo 30 Year Fixed Rate Mortgage 4% 4.002%
Jumbo 30 Year Fixed Rate - Interest Only* 3.875% 3.877%
Jumbo 15 Year Fixed Rate Mortgage 3.375% 3.378%
Jumbo 5/1/30 Year Adjustable Rate Mortgage 2.625% 2.709%
Jumbo 5/1/30 Year Adjustable Rate -Interest Only* 2.75% 2.751%
Jumbo 7/1/30 Year Adjustable Rate Mortgage 2.75% 2.752%
Jumbo 7/1/30 Year Adjustable Rate -Interest Only* 2.875% 2.803%
Jumbo 10/1/30 Year Adjustable Rate Mortgage 4% 3.522%
Jumbo 10/1/30 Year Adjustable Rate -Interest Only* 4.125% 3.553%

Home Equity

Loan Type Term APR as low as7
EasyFlex Home Equity Line of Credit 2.75%

Certificate Accounts

Term Dividend Rate APY8
30 Days 0.15% 0.15%
3 Months 0.35% 0.35%
6 Months 0.35% 0.35%
7 Months 0.35% 0.35%
9 Months 0.40% 0.40%
12 Months 0.40% 0.40%
14 Months8,a
Standard Rate 1.00% 1.00%
More Members 1.09% 1.10%
Even More Members 1.19% 1.20%
15 Months with Bump-Up 0.45% 0.45%
18 Months 0.80% 0.80%
24 Months 1.00% 1.00%
30 Months with Bump Up 0.80% 0.80%
36 Months 1.24% 1.25%
60 Months 1.98% 2.00%

LadderUP Certificate Accounts

Learn more about the LadderUP Certificate Package
Term Dividend Rate APY8
LadderUP Certificate Package (includes all four certificates)
6 Months 0.55% 0.55%
12 Months 0.60% 0.60%
18 Months 1.00% 1.00%
24 Months 1.19% 1.20%
Retirement LadderUP Certificate Package (includes all four certificates)
6 Months 0.55% 0.55%
12 Months 0.60% 0.60%
18 Months 1.00% 1.00%
24 Months 1.19% 1.20%

IRA Certificate Accounts

Term Dividend Rate APY8
30 Days 0.15% 0.15%
3 Months 0.35% 0.35%
6 Months 0.35% 0.35%
7 Months 0.35% 0.35%
9 Months 0.40% 0.40%
12 Months 0.40% 0.40%
14 Months8,a 1.00% 1.00%
15 Months with Bump-Up 0.45% 0.45%
18 Months 0.80% 0.80%
24 Months 1.00% 1.00%
30 Months with Bump Up 0.80% 0.80%
36 Months 1.24% 1.25%
60 Months 1.98% 2.00%

ESA Certificate Accounts

Term Dividend Rate APY8
30 Days 0.15% 0.15%
3 Months 0.35% 0.35%
6 Months 0.35% 0.35%
7 Months 0.35% 0.35%
9 Months 0.40% 0.40%
12 Months 0.40% 0.40%
14 Months8,a 1.00% 1.00%
15 Months with Bump-Up 0.45% 0.45%
18 Months 0.80% 0.80%
24 Months 1.00% 1.00%
30 Months with Bump Up 0.80% 0.80%
36 Months 1.24% 1.25%
60 Months 1.98% 2.00%

IRA Savings, ESA, HSA

Account Type Dividend Rate APY9
Health Savings Account 0.45% 0.45%
IRA Accumulator 0.10% 0.10%
Education Savings 0.10% 0.10%
IRA Money Manager
$500-$19,999 0.05% 0.05%
$20,000-$34,999 0.15% 0.15%
$35,000-$49,999 0.20% 0.20%
$50,000 and up 0.30% 0.30%

Boat, RV & Motorcycle Loans

Loan Type Term APR as low as10
New Boat & RV Up to 48 Months 3.99%
  49-60 Months 4.99%
  61-72 Months 5.49%
  73-84 Months 5.74%
  85-96 Months 6.24%
Used Boat & RV Up to 36 Months 4.99%
  37-60 Months 5.49%
  61-72 Months 5.99%
  73-84 Months 6.49%
  85-96 Months 6.99%%
New Motorcycle Up to 48 Months 2.74%
  49-60 Months 3.74%
  61-72 Months 4.24%
Used Motorcycle Up to 36 Months 3.99%
  37-60 Months 4.49%
  61-72 Months 4.99%

Personal Loans

Loan Type APR as low as11
Share Secured Loan Dividend Rate + 2.75% See Share Rates%
Certificate Secured Loan Certificate Rate + 2.00% See Certificate Rates
PrivateLine Overdraft Protection Monthly variable: Prime Rate + 6.50% 9.75%
Personal Loan Terms up to 48 months 10.00%
Debt Consolidation Loan Terms up to 48 months 10.00%

Business Accounts

Account Type Dividend Rate APY12
Business Savings 0.10% 0.10%
Business Checking 0.01% 0.01%
Enhanced Business Checking
$0-$4,999 0.00% 0.00%
$5,000-$24,999 0.00% 0.00%
$25,000-$74,999 0.20% 0.20%
$75,000-$249,999 0.30% 0.30%
$250,000 and up 0.40% 0.40%
Business Money Manager
$1,000 - $19,999 0.05% 0.05%
$20,000 - $34,999 0.15% 0.15%
$35,000 - $49,999 0.20% 0.20%
$50,000 - $99,999 0.30% 0.30%
$100,000 and up 0.30% 0.30%

Business Certificates

Term Dividend Rate APY8
30 Days 0.15% 0.15%
3 Months 0.35% 0.35%
6 Months 0.35% 0.35%
12 Months 0.40% 0.40%
18 Months 0.80% 0.80%
30 Months 0.80% 0.80%
36 Months 1.24% 1.25%
60 Months 1.59% 1.60%
Connect With Us

APR = Annual Percentage Rate. APY = Annual Percentage Yield. Rates are available to Affinity Members only and subject to change at any time without notice. Fees may reduce earnings on deposits, see fee schedule for details.

Loan and credit card rates are lowest rates for qualified applicants, based on creditworthiness. Term restrictions may apply based on underwriting criteria. The maximum APR that may be imposed on any variable rate loan plan is 18.00%.

For all savings and money manager accounts, you may make up to six transfers or withdrawals by means of a preauthorized, automatic, or telephonic transfer to another account of yours or to a third party or by check, debit card, or similar order to a third party during any calendar month (or statement cycle of at least four weeks). A preauthorized transfer includes any arrangement with us to pay a third party from your account at (1) a predetermined time; (2) on a fixed schedule or (3) upon or written orders including orders received through the automated clearing house (ACH). If the transfer or withdrawal is initiated in person, by mail, or at an ATM then there is no limit on the number of payments that may be made directly to you, directly to us for amounts you owe us, or transfers to other accounts you have with us. Withdrawals by phone are also unlimited if you are requesting that a check be mailed to you.

1 Checking Accounts

MoreChecking: There is no minimum opening deposit. Minimum balance to earn the stated APY is $1,000. If the account falls below the minimum stated, there will be a $2.95 monthly service fee. All members who qualify for the More program will receive a rate bonus. Receive a 0.10% APY increase when you qualify for More benefits. Receive a 0.20% APY increase when you qualify for Even More benefits. Eligibility for the bonus will continue as long as "More" or "Even More" status is maintained. "More" and "Even More" statuses are reviewed monthly based on information as of the last day of the month and effective with the first day of the following month. If you advance to the "Even More" level, the APY will adjust to reflect the higher bonus amount. The bonus applies to the rate on the first day of the month in which you achieved "More" or "Even More" status. The loss of the bonus also takes effect on the first day of the month in which you no longer qualify for "More from Affinity."

Affinity Checking: There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01.

2 Savings Accounts

MoreSavings: There is no minimum opening deposit or balance requirement. Minimum balance to earn the stated APY depends on the tier as indicated in the above table. If the account balance falls below the minimum stated for a particular tier, the next lowest tier's APY will apply. For example, if an account meets the minimum balance requirements for Tier 2 at the start of the dividend period, but the balance subsequently falls below the minimum balance requirement for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account. All members who qualify for the More program will receive a rate bonus. Receive a 0.10% APY increase when you qualify for More benefits. Receive a 0.20% APY increase when you qualify for Even More benefits. Eligibility for the bonus will continue as long as "More" or "Even More" status is maintained. "More" and "Even More" statuses are reviewed monthly based on information as of the last day of the month and effective with the first day of the following month. If you advance to the "Even More" level, the APY will adjust to reflect the higher bonus amount. The bonus applies to the rate on the first day of the month in which you achieved "More" or "Even More" status. The loss of the bonus also takes effect on the first day of the month in which you no longer qualify for "More from Affinity."

Affinity Savings: There is no minimum opening deposit or balance requirement.

Goal Savings: There is no minimum opening deposit or balance requirement.

Money Manager: Minimum balance, opening deposit and minimum balance to earn the stated APY depend upon the tier as indicated in the above table. If the account balance falls below the minimum stated for a particular tier, the next lowest tier's APY will apply. For example, if an account meets the minimum balance requirements for Tier 2 at the start of the dividend period, but the balance subsequently falls below the minimum balance requirement for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account. If balance falls below the minimum for the lowest tier, there is a $10.00 fee and the regular savings rate will apply.

3 Youth Accounts

Savvy Saver: Available for members ages 1–12. Account will be converted to a Regular Savings account at the time of the owner's 13th birthday. There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01.

Teen Checking & Savings: Available for members aged 13-16. Accounts will be converted to Revolution Spend and Revolution Save accounts respectively, at the time of the owner's 17th birthday. There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01.

Revolution Spend: Available for members aged 17-24. There is no minimum opening deposit or balance requirement. Account owners will be awarded Even More Status in the Affinity More Program on the first of the month following account opening and will retain this status for the duration of their time in this account.

Revolution Save: Available for members aged 17-24. There is no minimum opening deposit or balance requirement. Minimum balance to earn the stated APY depends on the tier as indicated in the above table. Dividends are compounded monthly and credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. The 1.25% APY will be paid only for that portion of your daily balance that is $2,500.00 or less; the 0.25% APY will be applied to balances in excess of $2,500.00. Account owners will be awarded Even More Status in the Affinity More Program on the first of the month following account opening and will retain this status for the duration of their time in this account.

4 Credit Cards

Rates as displayed will vary with the market based on the Prime Rate. See credit card pricing & terms for additional details. Premium Visa and Pure Rewards Visa rates as displayed are effective when you open your account, based on creditworthiness.

5 Auto Loans

New and used auto loan rates in effect for loans applied for between July 1 and October 12, 2015. Rates include 0.25% reduction for automatic payments made from your Affinity account. Loan decision, APR, terms of loan, year, make, model and loan to value of vehicle and/or amount borrowed are all subject to applicant credit worthiness. Must be a member in good standing and meet all lending requirements. Loan amounts less than or equal to $10,000 have a 60 month maximum term. Vehicles eligible for new auto loan rates are model year 2015 or newer, with fewer than 2,000 miles. Vehicles eligible for used auto loan or refinance rates are 7 years old or newer, with a maximum of 125,000 miles. Interest accrues from the date the loan is funded.

Loan TypeTermAPRMonthly Payment per $1,000 Borrowed
New Auto Up to 48 Months 1.49% $21.47
  49-60 Months 2.49% $17.74
  61-72 Months 2.99% $15.19
  73-84 Months 3.24% $13.32
Used Auto Up to 36 Months 2.49% $28.86
  37-60 Months 2.99% $17.96
  61-72 Months 3.49% $15.41
  73-84 Months 3.99% $13.66

6 Mortgages

Rates, APRs and fees can vary depending on the size of the loan and the personal qualifications of individual members. For full disclosures and additional information, please click here to obtain a custom rate quote.

7 Home Equity

Stated rate and term is current as of 8/10/2015, is variable based on the Prime Rate as published in the Wall Street Journal, is for a maximum Combined Loan-To-Value (CLTV) ratio of 59.9%, with a maximum loan amount of $250,000, for applicant with highest credit rating, and is discounted 0.25% for automatic payments from an Affinity account. Other rates are available based on loan amount, credit characteristics, and CLTV up to a maximum of 90% for members who have an Affinity first mortgage, and up to 80% up to for members who do not have an Affinity first mortgage. The standard minimum APR (floor rate) is 3.00% and the maximum APR (ceiling rate) is 18.00%. Offered rates are subject to change without notice. Subject to underwriting approval. Your actual interest rate is based on our review of your creditworthiness and the available equity in your home and is contingent upon you granting Affinity a valid first or second mortgage.

Home equity loans and lines of credit are available in all states except Texas. Certain states may require a closing attorney. State specific fees may apply at closing. Satisfactory Homeowners’ Insurance is required. Satisfactory Flood Insurance may be required. Title Insurance may be required for certain loans based on loan amount. Eligible properties include owner-occupied, 1-2 family residences and warrantable condominiums. Investment properties, second homes, vacation homes, cooperatives, mobile homes, and purchase money transactions are excluded. Consult your tax advisor regarding the deductibility of interest charges for these loans.

Within the EasyFlex Home Equity Line of Credit (HELOC) there is a fixed-rate option which you may use for up to 3 advances within your available credit line, during the draw period only, with a maximum term of 10 years. When you choose this option, the interest rate you receive for that advance will be fixed until the balance is repaid. Your fixed interest rate will be 1% higher than the existing rate on your line at time of the fixed loan request. The available limit on your line of credit will increase as you repay the principal balance of your fixed rate loan(s).

8 Certificate Accounts

Certificates (Including IRA, ESA and Business Certificates):Minimum opening deposit and minimum balance to earn stated APY is $500.00. Penalties apply for early withdrawal.

LadderUP Certificate Package: Minimum opening deposit and minimum balance to earn stated APY is $500 per certificate term. Penalties apply for early withdrawal. Fees may reduce earnings on accounts, see fee schedule for details. To receive these rates, equal dollar amounts must be placed in each of the following terms: 6-month, 12-month, 18-month, and 24-month. At the end of each respective term, each certificate will automatically renew to a 24-month certificate at the prevailing rate at the time of maturity for 24-month certificates. Not available on Business Certificates.

a 14 Month Certificates: Minimum opening deposit and minimum balance to earn stated APY is $2,500.00. Penalties apply for early withdrawal. Receive a 0.10% APY increase when you qualify for More benefits. Receive a 0.20% APY increase when you qualify for Even More benefits.

9 IRA Savings, ESA and HSA

Health Savings Account: There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01. For information on eligibility, click here.

IRA Accumulator and Education Savings: Minimum opening deposit and minimum to earn stated APY is $50.00.

IRA Money Manager: Minimum balance, opening deposit and minimum balance to earn the stated APY depend upon the tier as indicated in the above table. If the account balance falls below the minimum stated for a particular tier, the next lowest tier's APY will apply. For example, if an account meets the minimum balance requirements for Tier 2 at the start of the dividend period, but the balance subsequently falls below the minimum balance requirement for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account. Balances below the minimum for the lowest tier will not earn an APY. Account does not include check writing privileges.

10 Boat, RV & Motorcycle Loans

Boat & RV Loans: Rates include 0.25% reduction for automatic payments made from your Affinity account. Loan decision, APR, terms of loan, year, make, model and loan to value of vehicle and/or amount borrowed are all subject to applicant credit worthiness. Must be a member in good standing and meet all lending requirements. Loans with a term of 85-96 months have a minimum finance amount of $50,000. Interest accrues from the date the loan is funded.

Loan TypeTermAPRMonthly Payment per $1,000 Borrowed
New Boat & RV Up to 48 Months 3.99% $22.57
  49-60 Months 4.99% $18.87
  61-72 Months 5.49% $16.33
  73-84 Months 5.74% $14.48
  85-96 Months 6.24% $13.26
Used Boat & RV Up to 36 Months 4.99% $29.97
  37-60 Months 5.49% $19.10
  61-72 Months 5.99% $16.57
  73-84 Months 6.49% $14.84
  85-96 Months 6.99% $13.63

Motorcycle Loans: Rates include 0.25% reduction for automatic payments made from your Affinity account. Loan decision, APR, terms of loan, year, make, model and loan to value of vehicle and/or amount borrowed are all subject to applicant credit worthiness. Must be a member in good standing and meet all lending requirements. Loan amounts less than or equal to $10,000 have a 60 month maximum term. Vehicles eligible for new loan rates are model year 2015 or newer, with fewer than 2,000 miles. Vehicles eligible for used loan or refinance rates are 7 years old or newer, with a maximum of 125,000 miles. Interest accrues from the date the loan is funded.

Loan TypeTermAPRMonthly Payment per $1,000 Borrowed
New Motorcycle Up to 48 Months 2.74% $22.02
  49-60 Months 3.74% $18.30
  61-72 Months 4.24% $15.75
Used Motorcycle Up to 36 Months 3.99% $29.52
  37-60 Months 4.49% $18.64
  61-72 Months 4.99% $16.10

11 Personal Loans

Share Secured Loan: Rate includes 0.25% reduction for automatic payment from your Affinity account. APR is variable based on the dividend rate plus 2.75% and may change monthly. Repayment terms for 60 month loan at 2.80% would consist of 60 monthly payments of $17.88 per $1,000.00 borrowed. Interest accrues from the date the loan is funded

Certificate Secured Loan: Quoted rate includes .25% reduction for automatic payment from your Affinity Account. Term restrictions may apply based on underwriting criteria. Repayment terms dependent upon rate of Certificate Account used to secure the loan.

PrivateLine Overdraft Protection: Rate includes 0.25% reduction for automatic payment from your Affinity account. Repayment does not consist of a fixed monthly payment but is based on a monthly payment of 3% of the outstanding balance with a minimum payment of $30.00. Payments are not fixed.

Personal Loan: Rate includes 0.25% reduction for automatic payment from your Affinity account. Interest accrues from the date the loan is funded. Repayment terms for 48 month loan would consist of 48 monthly payments of $25.24 per $1,000.00 borrowed.

Debt Consolidation Loan: Rate includes 0.25% reduction for automatic payment from your Affinity account. Repayment terms for 48 month loan would consist of 48 monthly payments of $25.36 per $1,000.00 borrowed.

12 Business Accounts

Business Savings: Minimum opening deposit and minimum to earn stated APY is $5.00.

Business Checking: There is no minimum opening deposit or balance requirement. Minimum balance to earn stated APY is $0.01.

Enhanced Business Checking: Minimum balance, opening deposit and minimum balance to earn the stated APY depend upon the tier as indicated in the above table. If the account balance falls below the minimum stated for a particular tier, the next lowest tier's APY will apply. For example, if an account meets the minimum balance requirements for Tier 2 at the start of the dividend period, but the balance subsequently falls below the minimum balance requirement for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account. Balances below the minimum for the lowest tier will not earn an APY.

Business Money Manager: Minimum balance, opening deposit and minimum balance to earn the stated APY depend upon the tier as indicated in the above table. If the account balance falls below the minimum stated for a particular tier, the next lowest tier's APY will apply. For example, if an account meets the minimum balance requirements for Tier 2 at the start of the dividend period, but the balance subsequently falls below the minimum balance requirement for Tier 2 during the same dividend period, then the account will earn the stated APY for the corresponding Tier 1 account. If balance falls below the minimum for the lowest tier, there is a $10.00 fee and the regular savings rate will apply.