 (1).png "LifeStyle Loans and Credit Cards")
Competitive Rates to Help You Reach Your Financial Dreams
At FinancialEdge Credit Union, you'll find that we offer competitive rates on auto, RV, and other loans to help you finance the vehicle, business, or adventure you've been dreaming of. Plus, with great rates on savings, checking, and more, you'll be able to reach your financial goals faster!
Click on an option below to view rates for our products and services.
Loan Rates
Loans
| Automobiles, Cars, Trucks, SUVs | |
| Effective Date: Tuesday, April 14th, 2026 | |
| APR* | Maximum Term |
| Auto Loans Secured - 2023 and Newer | |
| As Low As 4.75% | 25 Months |
| As Low As 4.99% | 37 Months |
| As Low As 4.99% | 66 Months |
| As Low As 5.49% | 75 Months |
| As Low As 5.99% | 84 Months |
| Auto Loans Secured - 2022-2019 | |
| As Low As 5.00% | 25 Months |
| As Low As 5.24% | 37 Months |
| As Low As 5.24% | 66 Months |
| As Low As 5.75% | 75 Months |
| As Low As 6.24% | 84 Months |
| Auto Loans Secured - 2018- Older | |
| As Low As 6.75% | 61 Months |
| Classic Vehicle Loans Secured | |
| As Low As 7.50% | 61 Months |
| As Low As 7.75% | 73 Months |
| As Low As 8.00% | 84 Months |
| As Low As 8.25% | 121 Months |
| The monthly payment per $1,000 borrowed at 4.75% APR for a term of 25 months would require 25 monthly payments of $43.76 based on 30 days to first payment. | |
| Motorcycles, ATVs, UTVs and Other Titled Secured Loans | |
| Effective Date: Tuesday, April 14th, 2026 | |
| APR* | Maximum Term |
| Secured - 2019 and Newer | |
| As Low As 7.00% | 37 Months |
| As Low As 7.25% | 66 Months |
| As Low As 7.50% | 75 Months |
| As Low As 7.75% | 84 Months** |
| Secured - 2018 and Older | |
| As Low As 8.00% | 66 Months |
| As Low As 8.50% | 75 Months |
| As Low As 9.00% | 84 Months |
| The monthly payment per $1,000 borrowed at 7.00% APR for a term of 37 months would require 37 monthly payments of $30.13 based on 30 days to first payment. | |
| Personal Boats, RVs and Travel Trailers | |
| Effective Date: Tuesday, April 14th, 2026 | |
| APR* | Maximum Term |
| Secured - 2019 and Newer | |
| As Low As 6.50% | 37 Months |
| As Low As 6.75% | 66 Months |
| As Low As 7.00% | 75 Months |
| As Low As 7.25% | 84 Months |
| As Low As 7.75% | 121 Months |
| As Low As 7.25% | 5 Year Balloon |
| Secured - 2018 and Older | |
| As Low As 7.50% | 66 Months |
| As Low As 8.00% | 75 Months |
| As Low As 8.50% | 84 Months |
| As Low As 9.00% | 121 months |
| As Low As 8.75% | 5 Year Balloon |
| The monthly payment per $1,000 borrowed at 6.50% APR for a term of 37 months would require 37 monthly payments of $29.90 based on 30 days to first payment. | |
| Personal Snowmobiles, Trailers, Jet Ski and Lawn & Garden Equipment Loans | |
| APR* | Maximum Term |
| Secured - 2019 and Newer | |
| As Low As 7.25% | 25 Months |
| As Low As 7.50% | 49 Months |
| As Low As 7.75% | 61 Months |
| Secured - 2018 and Older | |
| As Low As 8.25% | 25 Months |
| As Low As 8.50% | 49 Months |
| As Low As 8.75% | 61 Months |
| The monthly payment per $1,000 borrowed at 7.25% APR for a term of 25 months would require 25 monthly payments of $43.21 based on 30 days to first payment. | |
| Personal Unsecured Loans | ||
| Effective Date: Tuesday, April 14th, 2026 | ||
| Loan Type | Interest Rate* | Maximum Term |
| Signature Loans | As Low As 10.50% APR | 25 Months |
| Signature Loans | As Low As 10.75% APR | 36 Months |
| Signature Loans | As Low As 11.25% APR | 43 Months |
| Signature Loans | As Low As 11.50% APR | 61 Months |
| Signature Loans | As Low As 12.50% APR | 72 Months |
| Signature Loans | As Low As 13.50% APR | 84 Months |
| Revolving Loans | As Low As 12.75% APR | Open Term |
| MasterCard Low Rate** | As Low As 8.90% APR | N/A |
| MasterCard Rewards** | As Low As 12.90% APR | N/A |
| MyLife Instant Cash Loan | 18.99% APR | 36 Months |
| Credit Builder Loan | ||
| Credit Builder | 16.00% APR | 24 Months |
| The monthly payment per $1,000 borrowed at 10.50% APR for a term of 25 months would require 25 monthly payments of $44.72 based on 30 days to first payment. | ||
| Other Personal Loans | |||
| Effective Date: Tuesday, April 14th, 2026 | |||
| Account Type | APR* | % Financed | Maximum Term |
| Share Secured | Rate + 3.50% | 100.00% | 121 Months |
| CD Secured | CD Rate + 3.50% | 100.00% | CD term ( or rate will be adjusted to reflect new rate of CD if extended at maturity) |
* APR = Annual Percentage Rate based on secured collateral 2013 and newer (not including loan specials) and is subject to change. Separate rates available for refinancing for existing FinancialEdge loans. Actual rate will be based on applicant’s creditworthiness and may vary from that shown. Not all members will qualify. Check with the loan department for additional terms and current loan rates.
** For a list of all Mastercard Credit Card fees and disclosures, please CLICK HERE.
Deposit Rates
Deposit Account Rates
| Savings Accounts | |||||
| Effective Date: Tuesday, April 14th, 2026 | |||||
| Account Type | Interest Rate* | APY† | Minimum Opening Balance | Minimum Balance for Dividend | Div. Period Compounded & Credited |
| MyLife Savings | |||||
| Qualifying: $0.01 - $100,000.00 |
3.93% | 4.00% | N/A | N/A | Monthly |
| Qualifying: $100,000.01 or more |
0.02% | 0.02% - 4.00% | N/A | N/A | Monthly |
| Non-Qualifying | 0.02% | 0.02% | N/A | N/A | Monthly |
________________________________________________________________ | |||||
| Member Savings | 0.02% | 0.02% | $5.00 | $25 | Quarterly |
| Christmas Club | 0.02% | 0.02% | $0.00 | $25 | Quarterly |
| Secondary Savings | 0.02% | 0.02% | $0.00 | $25 | Quarterly |
| MyJourney Account | 0.52% | 0.52% | $5.00 | $25 | Quarterly |
| Checking Accounts | |||||
| Effective Date: Tuesday, April 14th, 2026 | |||||
| Account Type | Interest Rate | APY† | Minimum Opening Balance | Minimum Balance for Dividend | Div. Period Compounded & Credited |
| MyLife Max Interest | |||||
| Qualifying: $0.01 - $10,000.00 | 4.89% | 5.00% | $25.00 | N/A | Monthly |
| Qualifying: $10,000.01 or more | 0.02% | 0.02% - 5.00% | $25.00 | N/A | Monthly |
| Non-Qualifying | 0.02% | 0.02% | $25.00 | N/A | Monthly |
| MyLife Gets Premier Interest | |||||
| $1,500.00 or more | 0.15% | 0.15% | $25.00 | N/A | Quarterly |
| $0.01 - $1,499.99 | 0.02% | 0.02% | $25.00 | N/A | Quarterly |
| MyLife Free Checking | N/A | N/A | $25.00 | N/A | N/A |
| High Yield Accounts | |||||
| Effective Date: Tuesday, April 14th, 2026 | |||||
| Account Type | Interest/Dividend Rate | APY+ -Variable | Minimum Opening Balance | Minimum Balance for Dividend | Div. Period Compounded & Credited |
| High Yield 2.5 | |||||
| $0.00 - $2,499.99 | 0.00% | 0.00% | |||
| $2,500 - $9,999.99 | 0.10% | 0.10% | $2,500.00 | $2,500 | Monthly |
| $10,000 - $24,999.99 | 0.12% | 0.12% | |||
| $25,000 and up | 0.15% | 0.15% | |||
| High Yield 25 | |||||
| $0.00 - $24,999.99 | 0.00% | 0.00% | |||
| $25,000 - $49,999.99 | 0.15% | 0.15% | $25,000.00 | $25,000 | Monthly |
| $50,000 - $74,999.99 | 0.17% | 0.17% | |||
| $75,000 and up | 0.20% | 0.20% | |||
| High Yield 75 | |||||
| $0.00 - $74,999.99 | 0.00% | 0.00% | |||
| $75,000 - $99,999.99 | 0.20% | 0.20% | $75,000.00 | $75,000 | Monthly |
| $100,000 - $149,999.99 | 0.25% | 0.25% | |||
| $150,000 - $199,999.99 | 0.30% | 0.30% | |||
| $200,000 and up | 0.30% | 0.30% | |||
| Premium High Yield | |||||
| $0 - $24,999.99 | 0.00% | 0.00% | |||
| $25,000 - $49,999.99 | 1.49% | 1.50% | $25,000.00 | $25,000 | Monthly |
| $50,000 - $99,999.99 | 1.74% | 1.75% | |||
| $100,000 - $499,999.99 | 2.72% | 2.75% | |||
| $500,000 and up | 2.96% | 3.00% | |||
| Premium High Yield Special 4.00% APY Bonus 04/01/2026 - 09/30/2026** | |||||
| $0 - 24,999.99 | 0.00% | 0.00% | |||
| $25,000 - 100,000 | 3.93% | 4.00% | 25000 New Money Only | $25,000 | Monthly |
| $100,000.01 and up | 2.72% | 2.72% - 4.00% | |||
| ***Premium High Yield 4.00% APY bonus is a limited-time offer from 04/01/2026 to 09/30/2026. To qualify for this APY bonus, you must meet the following account qualifications: 1) You must open the account with new money of at least $25,000. This offer is lim-ited to new money only, defined as funds originating from an external source or financial institution that were not on deposit with FinancialEdge Credit Union within the past 30 days. Transfers from existing FinancialEdge accounts do not qualify. 2) You must maintain a daily minimum balance of $25,000 to keep this account open and earn a 4.00% APY bonus rate through 09/30/26. 3) After the promotional period ends, you will receive standard premium high yield dividends, then, in effect, per the Consumer Rates and Service Charges Disclosure. 4) Only one (1) Premium High Yield bonus account per social security number is allowed with the credit union. | |||||
| The minimum daily balance required to earn dividends is $25,000. APYs are accurate as of 04/01/2026. Balances below $25,000 earn 0.00% APY. Balances from $25,000 - $100,000 earn 4.00% APY (fixed promotional rate guaranteed through 09/30/2026). The portion of your balance that exceeds $100,000 earns 2.75% APY (subject to change after account opening). Your overall APY may be lower than 4.00% when your balance exceeds $100,000 because different portions of your balance earn different dividend rates. Dividends are calculated on the daily balance method. The promotional 4.00% APY period ends on September 30, 2026, or earlier if your account balance falls below $25,000 at any time during the promotional period. After the promotional period ends, the account will become a standard Premium High Yield and will earn the standard Premium High-Yield rates then in effect, as outlined above. | |||||
| For details on the Premium High Yield Special CLICK HERE | |||||
| IRA Savings | |||||
| Effective Date: Tuesday, April 14th, 2026 | |||||
| Account Type | Rate | APY† | Minimum Opening Balance | Min. Required Balance for Div./Int. | Div. Period Compounded & Credited |
| Traditional and Roth | |||||
| $0.00 - $99.99 | 0.00% | 0.00% | |||
| $100 - $9,999.99 | 0.10% | 0.10% | $100.00 | $100.00 | Monthly |
| $10,000 - $49,999.99 | 0.12% | 0.12% | |||
| $50,000 - $99,999.99 | 0.17% | 0.17% | |||
| $100,000 and up | 0.20% | 0.20% | |||
†APY = Annual Percentage Yield. Minimum balance required to open the account. Interest calculated by the daily balance method.
***Minimum opening balance and minimum required balance for interest for minors is $100.
For Interest/Dividend bearing accounts, fees could reduce earnings.
Rates fixed for the term of the certificate. A penalty may be imposed for early withdrawal. Save To Win minimum balance $25.
Business Deposit Rates
Business Center
| Business Accounts | |||||
| Effective Date: Tuesday, April 14th, 2026 | |||||
| Account Type | Rate | APY† | Minimum Opening Balance | Min. Required Balance for Div./Int. | Div. Period Compounded & Credited |
| Member Business Savings | 0.02% | 0.02% | $5.00 | $25.00 | Quarterly |
| MyBusiness Gets Interest Checking | 0.20% | 0.20% | $25.00 | $0.00 | Quarterly |
| MyBusiness Free Checking | N/A | N/A | $25.00 | $0.00 | N/A |
| Business High Yield Savings | |||||
| $0 - $2,499.99 | 0.00% | 0.00% | |||
| $2,500 - $24,999.99 | 0.10% | 0.10% | $2,500.00 | $2,500.00 | Monthly |
| $25,000 - $49,999.99 | 0.15% | 0.15% | |||
| $50,000 - $99,999.99 | 0.20% | 0.20% | |||
| $100,000 - $249,999.99 | 0.25% | 0.25% | |||
| $250,000 and up | 0.30% | 0.30% | |||
*APY = Annual Percentage Yield. Subject to change.
