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FinancialEdge Credit Union Go to main content Locations

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: Friday, June 14th, 2024
APR*Maximum Term
Auto Loans Secured - 2023 and Newer
As Low As 6.50% 25 Months
As Low As 6.74% 37 Months
As Low As 6.74% 66 Months
As Low As 7.25% 75 Months
As Low As 7.74 84 Months
Auto Loans Secured - 2022-2017
As Low As 6.75% 25 Months
As Low As 6.99% 37 Months
As Low As 6.99% 66 Months
As Low As 7.50% 75 Months
As Low As 7.99% 84 Months
Auto Loans Secured - 2016- Older
As Low As 8.50% 61 Months
Classic Vehicle Loans Secured
As Low As 8.00% 61 Months
As Low As 8.25% 73 Months
As Low As 8.50% 84 Months
As Low As 8.75% 121 Months
The monthly payment per $1,000 borrowed at 6.50% APR for a term of 25 months would require 25 monthly payments of $42.88 based on 30 days to first payment.

Motorcycles, ATVs, UTVs and Other Titled Secured Loans
Effective Date: Friday, June 14th, 2024
APR*Maximum Term
Secured - 2017 and Newer
As Low As 8.00% 37 Months
As Low As 8.25% 66 Months
As Low As 8.50% 75 Months
As Low As 8.75% 84 Months**
Secured - 2016 and Older
As Low As 9.00% 66 Months
As Low As 9.50% 75 Months
As Low As 10.00% 84 Months
The monthly payment per $1,000 borrowed at 8.00% APR for a term of 37 months would require 37 monthly payments of $30.60 based on 30 days to first payment.

Personal Boats, RVs and Travel Trailers
Effective Date: Friday, June 14th, 2024
APR*Maximum Term
Secured - 2017 and Newer
As Low As 8.00% 37 Months
As Low As 8.25% 66 Months
As Low As 8.50% 75 Months
As Low As 8.75% 84 Months
As Low As 9.25% 121 Months
As Low As 8.75% 5 Year Balloon
Secured - 2016 and Older
As Low As 9.00% 66 Months
As Low As 9.50% 75 Months
As Low As 10.00% 84 Months
As Low As 10.50% 121 months
As Low As 10.25% 5 Year Balloon
The monthly payment per $1,000 borrowed at 8.00% APR for a term of 37 months would require 37 monthly payments of $30.60 based on 30 days to first payment.

Personal Snowmobiles, Trailers, Jet Ski and Lawn & Garden Equipment Loans
APR*Maximum Term
Secured - 2017 and Newer
As Low As 8.50% 25 Months
As Low As 8.75% 49 Months
As Low As 9.00% 61 Months
Secured - 2016 and Older
As Low As 9.50% 25 Months
As Low As 9.75% 49 Months
As Low As 10.00% 61 Months
The monthly payment per $1,000 borrowed at 8.50% APR for a term of 25 months would require 25 monthly payments of $43.80 based on 30 days to first payment.

Personal Unsecured Loans
Effective Date: Friday, June 14th, 2024
Loan TypeInterest 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
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
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: Friday, June 14th, 2024
Account TypeAPR*% FinancedMaximum 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.

** Loans with a term of 84 months or more require a minimum of $20,000 borrowed. 5 year balloon loans are generally offered for boats, RVs, travel trailers and classic vehicles when $20,000 or more is financed. Maximum term to amoritize balloon loans is 180 months.

*** For a list of all Mastercard Credit Card fees and disclosures, please CLICK HERE.

Deposit Rates

Deposit Account Rates

Savings Accounts
Effective Date: Friday, June 14th, 2024
Account TypeInterest Rate*APY†Minimum Opening BalanceMinimum Balance for DividendDiv. 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: Friday, June 14th, 2024
Account TypeInterest RateAPY†Minimum Opening BalanceMinimum Balance for DividendDiv. 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: Friday, June 14th, 2024
Account TypeInterest/Dividend RateAPY+ -VariableMinimum Opening BalanceMinimum Balance for DividendDiv. 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 1.74% 1.75% $25,000.00 $25,000 Monthly
$50,000 - $99,999.99 1.98% 2.00%      
$100,000 - $499,999.99 4.41% 4.50%      
$500,000 and up 4.89% 5.00%      

IRA Savings
Effective Date: Friday, June 14th, 2024
Account TypeRateAPY†Minimum Opening BalanceMin. 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%      

Certificates of Deposit
Effective Date: Friday, June 14th, 2024
TermRateAPY†Minimum Opening BalanceMin. Required Balance for Div./Int.Div. Period Compounded & Credited
6 Month 1.24% 1.25% $1,000.00 ($100 for minors) $1,000.00 ($100 for minors) Monthly
11 Month - Special 3.93% 4.00% $50,000.00 $50,000.00 Monthly

12 Month

1.29% 1.30% $1,000.00 $1,000.00 Monthly
13 Month - Special 4.31% 4.40% $100,000.00 $100,000.00 Monthly
13 Month - Special 3.45% 3.51% $10,000.00*** $10,000.00*** Monthly

18 Month

1.39% 1.40% $1,000.00 $1,000.00 Monthly

24 Month

1.49% 1.50% $1,000.00 $1,000.00 Monthly

36 Month

1.69% 1.70% $1,000.00 $1,000.00 Monthly

48 Month

1.88% 1.90% $1,000.00 $1,000.00 Monthly

60 Month

1.98% 2.00% $1,000.00 $1,000.00 Monthly

                    $100,000.00 Minimum CD Rates                    

6 Month

1.59% 1.60% $100,000.00 $100,000.00 Monthly

12 Month

1.69% 1.70% $100,000.00 $100,000.00 Monthly

18 Month

1.79% 1.80% $100,000.00 $100,000.00 Monthly

24 Month

1.88% 1.90% $100,000.00 $100,000.00 Monthly

36 Month

2.08% 2.10% $100,000.00 $100,000.00 Monthly

48 Month

2.28% 2.30% $100,000.00 $100,000.00 Monthly

60 Month

2.47% 2.50% $100,000.00 $100,000.00 Monthly

†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: Friday, June 14th, 2024
Account TypeRateAPY†Minimum Opening BalanceMin. 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.

Mortgage Rates

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