Rates

Visa Credit Card Rates

Card TypeVariable Rate Annual Percentage Rate (APR)*Limits
Platinum Prime + 10.40% to Prime + 14.00% $500 - $2,000
Platinum Plus Prime + 4.65% to Prime + 11.65% $2,000 - $15,000
Platinum Rewards Prime + 6.65% to Prime + 12.65% $2,000 - $15,000

Effective Date: March 16, 2017 (We may offer other rates and terms in the future.)

Prime Rate as of March 16, 2017 - 4.00%*

*Annual Percentage Rate (APR). The rate is variable and subject to change. Rates are accurate as of effective date. Rates listed are the lowest and highest Annual Percentage Rate (APR) available. The rate may vary depending on each individual's credit history and underwriting factors. All loans subject to credit approval. The rate is determined by adding the Margin to the Prime Rate (Index). The Prime Rate used to determine your Annual Percentage Rate (APR) is the rate published in the "Money Rates" table of the Wall Street Journal on the 25th or the next business day of the previous month. Other conditions and terms may apply; contact our ServiceLine or visit a branch for complete details. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice in accordance to the Credit Card Agreement and applicable law.

Kasasa Cash*

Balance Minimum Required Opening Deposit Rate APY
$0 - $5,000 $0 1.98% 2.00%
$5,000+ $0 0.05% 2.00% - 0.17%
All balances if qualifications not met $0 0.01% 0.01%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled and receive eStatement notice

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Effective Date: May 1, 2017

APY = Annual Percentage Yield

Savings / Dividends Rates

Account TypeMinimum Required Opening DepositDeposit/Balance TiersProspective Dividend RatesProspective APY
Savings $25.00 0.05% 0.05%
Checking - Traditional (Not available on new accounts) $10.00 0.01% 0.01%
Student Checking $10.00 No Dividends
Health Savings Account 0.05% 0.05%
Savings IRA $1.00 $0.00 - $2,000.00 0.03% 0.03%
$1.00 $2,001.00 - $20,000.00 0.04% 0.04%
$1.00 $20,001.00 - $80,000.00 0.05% 0.05%
$1.00 $80,001.00 & Up 0.06% 0.06%
Money Maker Account $2,000.00 $0.00 - $2,000.00 0.01% 0.01%
$2,000.00 $2,001.00 - $20,000.00 0.03% 0.03%
$2,000.00 $20,001.00 - $80,000.00 0.04% 0.04%
$2,000.00 $80,000.00 & Up 0.05% 0.05%

Effective Date: October 11, 2016

APY = Annual Percentage Yield

Share Term Certificates Rates

Account TypeMinimum Required Opening DepositInterest RatesAPY
180 Day Term Share Certificate $2,500.00 0.07% 0.07%
1 Year Term Share Certificate $500.00 0.12% 0.12%
14 Month Term Share Certificate $10,000.00 0.12% 0.12%
2 Year Term Share Certificate $500.00 0.20% 0.20%
2 1/2 Year Term Share Certificate $500.00 0.25% 0.25%
3 Year Term Share Certificate $2,500.00 0.30% 0.30%
3 Year Step Up Term Share Certificate $2,500.00 0.25% 0.25%
4 Year Term Share Certificate $2,500.00 0.60% 0.60%
5 Year Term Share Certificate $2,500.00 0.95% 0.95%
Flex Term Share Certificate (6-12 Months) $1,000.00 0.07% 0.07%
180 Day Term Share Certificate Jumbo $100,000.00 0.12% 0.12%
1 Year Term Share Certificate Jumbo $100,000.00 0.17% 0.17%
14 Month Term Share Certificate Jumbo $100,000.00 0.17% 0.17%
2 Year Term Share Certificate Jumbo $100,000.00 0.25% 0.25%
2 1/2 Year Term Share Certificate Jumbo $100,000.00 0.30% 0.30%
3 Year Term Share Certificate Jumbo $100,000.00 0.40% 0.40%
3 Year Step Up Term Share Certificate Jumbo $100,000.00 0.30% 0.30%
4 Year Term Share Certificate Jumbo $100,000.00 0.70% 0.70%
5 Year Term Share Certificate Jumbo $100,000.00 1.05% 1.05%
Flex Term Share Certificate Jumbo (6-12 Months) $100,000.00 0.12% 0.12%

Effective Date: March 7, 2017

Restrictions and terms:

  • Savings and Checking: Fees may reduce earnings (excluding Kasasa Cash). Interest rates and APY may change due to current earnings and reserve requirements. Rates may change after account is opened.
  • Money Maker: Rate is subject to change bi-weekly. Minimum withdrawal is $250.
  • Term Share Certificates: Early withdrawal penalties apply. Certificate rates subject to change every Tuesday. Fees may reduce earnings.
  • IRA Accounts: Savings or Certificates accounts are available.

APY = Annual Percentage Yield

Auto Loan Rates

Type of Vehicle LoanAnnual Percentage Rates (APR)*Repayment Period
New Autos 3.00% to 15.95% Up to 84 Months
Used Autos 3.00% to 15.95% Up to 84 Months

Effective Date: May 9, 2017 (We may offer other rates and terms in the future.)

*Annual Percentage Rate (APR). Rates are accurate as of effective date. Rates listed are the lowest and highest Annual Percentage Rate (APR) available. The rate may vary depending on each individual's credit history and underwriting factors. All loans subject to credit approval. Other conditions and terms may apply; contact our ServiceLine or visit a branch for complete details. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Refinancing is available on existing Altier CU auto loans. A $50 fee applies to existing Altier CU auto loans that are refinanced within one year of origination date. 84 month loan term available on vehicles financing $25,000 or higher.

NOTICE TO OUR MEMBERS

No loans on vehicles with salvaged titles, Lemon Law and manufacturer's buy back vehicles or business purpose loans. $2,100 minimum monthly income required for all borrowers. Proof of income may be required. The credit union reserves the right to limit loan to value on select automobiles, large trucks, SUVs and Hummers.

TERMS OF REPAYMENT EXAMPLE

If you apply for a $25,000, 72 month term loan at 3.39% Annual Percentage Rate (APR)*, you would make 72 monthly payments (P&I) of approximately $386.00.

Motorcycle Loan Rates

Type of Loan & Loan AmountAnnual Percentage Rates (APR)*Repayment Period
New - Varies 4.00% to 10.50% Up to 84 Months
Used - Varies 4.75% to 11.50% Up to 72 Months

Effective Date: October 11, 2016 (We may offer other rates and terms in the future.)

*Annual Percentage Rate (APR). Rates are accurate as of effective date. Rates listed are the lowest and highest Annual Percentage Rate (APR). The rate may vary depending on each individual's credit history and underwriting factors. All loans subject to credit approval. Other conditions and terms may apply; contact our ServiceLine or visit a branch for complete details. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Refinancing is not available on existing Altier CU motorcycle loans.

TERMS OF REPAYMENT EXAMPLE

If you apply for a $15,000, 48 month term loan at 4.00% Annual Percentage Rate (APR)*, you would make 48 monthly payments (P&I) of approximately $339.00.

ATV & UTV Loan Rates

Type of Loan & Loan AmountAnnual Percentage Rates (APR)*Repayment Period
New - Up to $15,000 9.50% to 10.50% Up to 60 Months
Used - Up to $15,000 10.50% to 11.50% Up to 48 Months

Effective Date: October 11, 2016 (We may offer other rates and terms in the future.)

*Annual Percentage Rate (APR). Rates are accurate as of effective date. Rates listed are the lowest and highest Annual Percentage Rate (APR) The rate may vary depending on each individual's credit history and underwriting factors. All loans subject to credit approval. Other conditions and terms may apply; contact our ServiceLine or visit a branch for complete details. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Refinancing is not available on existing Altier CU ATV or UTV loans.

TERMS OF REPAYMENT EXAMPLE

If you apply for a $5,000, 36 month term loan at 9.50% Annual Percentage Rate (APR)*, you would make 36 monthly payments (P&I) of approximately $160.00.

Boat & Jet Ski Loan Rates

Type of Loan & Loan AmountAnnual Percentage Rates (APR)*Repayment Period
New - Varies 9.00% to 11.25% Up to 120 Months
Used - Up to $30,000 10.00% to 12.25% Up to 120 Months

Effective Date: October 11, 2016 (We may offer other rates and terms in the future.)

*Annual Percentage Rate (APR). Rates are accurate as of effective date. Rates listed are the lowest and highest Annual Percentage Rate (APR) available. The rate may vary depending on each individual's credit history and underwriting factors. All loans subject to credit approval. Other conditions and terms may apply; contact our ServiceLine or visit a branch for complete details. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Refinancing is not available on existing Altier CU boat or jet ski loans.

TERMS OF REPAYMENT EXAMPLE

If you apply for a $10,000, 60 month term loan at 9.00% Annual Percentage Rate (APR)*, you would make 60 monthly payments (P&I) of approximately $207.00.

RV/Motorhome Loan Rates

Type of Loan & Loan AmountAnnual Percentage Rates (APR)*Repayment Period
New - Varies 9.75% to 12.75% Up to 84 Months
Used - Varies 10.75% to 15.25% Up to 60 Months

Effective Date: October 11, 2016 (We may offer other rates and terms in the future.)

*Annual Percentage Rate (APR). Rates are accurate as of effective date. Rates listed are the lowest and highest Annual Percentage Rate (APR) available. The rate may vary depending on each individual's credit history and underwriting factors. All loans subject to credit approval. Other conditions and terms may apply; contact our ServiceLine or visit a branch for complete details. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Refinancing is not available on existing Altier CU RV loans. Financing up to 95% of MSRP retail, excluding tax, license and dealer prep.

TERMS OF REPAYMENT EXAMPLE

If you apply for a $14,000, 60 month term loan at 9.75% Annual Percentage Rate (APR)*, you would make 60 monthly payments (P&I) of approximately $294.00.

Home Equity Loan Rates

Type of Home Equity LoanAnnual Percentage Rates (APR)*
Variable Prime + 1.00% to Prime + 5.25% with a Life Cap of 18%
Fixed up to 70% Financing 4.00% - 10.00%
Fixed up to 80% Financing 4.50% - 10.50%

Effective Date: March 16, 2017 (We may offer other rates and terms in the future.)

Prime Rate as of March 16, 2017 - 4.00%**

*Annual Percentage Rate (APR). Rates are accurate as of effective date. Rates listed are the lowest and highest Annual Percentage Rate (APR) available. The rate may vary depending on each individual's credit history and underwriting factors. All loans subject to credit approval. Other conditions and terms may apply; contact our ServiceLine or visit a branch for complete details. Acceptable property is primary and 2nd home, no rental properties. Property insurance is required. Flood insurance may be required. Third party fees charged if loan is terminated for any reason within the first two years ($250 - $1,295). All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. **Highest Prime Rate quoted in the Wall Street Journal on the 25th or next business day of the previous month.

TERMS OF REPAYMENT EXAMPLE (Fixed Rate Home Equity Loans)

If you apply for a $50,000, 180 month term loan at 7.75% Annual Percentage Rate (APR)*, you would make 180 monthly payments of approximately $470.64.

Personal Loan Rates

Loan AmountAnnual Percentage Rates (APR)*Repayment Period
$500 - $25,000 11.25% to 15.75% Up to 48 Months

Effective Date: October 11, 2016 (We may offer other rates and terms in the future.)

*Annual Percentage Rate (APR). Rates are accurate as of effective date. Rates listed are the lowest and highest Annual Percentage Rate (APR) available. The rate may vary depending on each individual's credit history and underwriting factors. All loans subject to credit approval. Other conditions and terms may apply; contact our ServiceLine or visit a branch for complete details. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Minimum payment of $20 is required.

TERMS OF REPAYMENT EXAMPLE

If you apply for a $4,000 Signature Loan, 36 month term loan at 11.25% Annual Percentage Rate (APR)*, you would make 36 monthly payments of approximately $131.00.

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