Routing Number: 272479663
Swift Code: MSUCUS44
Swift Code: MSUCUS44
Last Updated Monday, December 16, 2024 6:00 AM EST
| Annual Percentage Rate (APR1) | ||
|---|---|---|
| Visa Credit Card | Platinum | as low as 9.900%2 |
| Platinum Plus | as low as 13.900%3 | |
| Visa Signature | as low as 14.900%4 |
1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score and collateral if applicable. All loans subject to credit approval.
2) See Visa Platinum Credit Card disclosure
3) See Visa Platinum Plus Credit Card disclosure
4) See Visa Signature Credit Card disclosure
Last Updated Monday, December 16, 2024 6:00 AM EST
| Term | Annual Percentage Rate (APR1) | |
|---|---|---|
| New, Used, Refinance and Cash Out Refinance Auto Loan | Up to 36 months | as low as 6.640% |
| 37 to 48 months | as low as 6.840% | |
| 49 to 60 months | as low as 6.890% | |
| 61 to 72 months | as low as 6.890% | |
| 73 to 84 months | as low as 6.990% |
1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.
The monthly payment per $1,000 borrowed at 6.64% APR for a term of 36 months would require 36 monthly payments of $30.71 based on 30 days to first payment.
Last Updated Monday, December 16, 2024 6:00 AM EST
| Term | Annual Percentage Rate (APR1) | |
|---|---|---|
| New, Used, and Refinance Motorsport | Up to 36 months | as low as 7.140%3 |
| 37 to 48 months | as low as 7.340%3 | |
| 49 to 60 months | as low as 7.440%3 | |
| 61 to 72 months | as low as 7.640%3 | |
| 73 to 84 months | as low as 8.140%3 |
1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.
The monthly payment per $1,000 borrowed at 7.14% APR for a term of 36 months with 70% Loan to Value (LTV) would require 36 monthly payments of $30.94 based on 30 days to first payment.
2) Motorsport vehicles include Motorcycles less than 600cc, Personal Watercraft, ATVs, Snowmobiles and Lawn and Garden Tractors with a mower deck, and untitled Watercraft.
Last Updated Monday, December 16, 2024 6:00 AM EST
| Term | Annual Percentage Rate (APR1) | |
|---|---|---|
| New, Used and Refinance Recreational Vehicles & Boats | Up to 60 months | as low as 7.440%3 |
| 61 to 84 months | as low as 7.540%3 | |
| 85 to 120 months | as low as 7.640%3 | |
| 121 to 144 months | as low as 7.690%3 | |
| 145 to 180 months | as low as 7.890%3 |
1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.
The monthly payment per $1,000 borrowed at 7.44% APR for a term of 60 months would require 60 monthly payments of $20.01 based on 30 days to first payment.
2) Recreational vehicles includes Boats, Motorhomes, 5th Wheelers, Travel Trailers, and Campers. Park model RVs and commercial vehicles are excluded from this program.
Last Updated Monday, December 16, 2024 6:00 AM EST
| Term | Annual Percentage Rate (APR1) | |
|---|---|---|
| New, Used, Refinance and Cash Out Refinance Motorcycles (600cc or greater) | Up to 36 months | as low as 6.640% |
| 37 to 48 months | as low as 6.840% | |
| 49 to 60 months | as low as 6.890% | |
| 61 to 72 months | as low as 6.890% | |
| 73 to 84 months | as low as 6.990% |
1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.
The monthly payment per $1,000 borrowed at 6.64% APR for a term of 36 months would require 36 monthly payments of $30.71 based on 30 days to first payment.
Last Updated Monday, December 16, 2024 6:00 AM EST
| Term | Annual Percentage Rate (APR1) | |
|---|---|---|
| New, Used, Refinance and Cash Out Refinance Business Auto Loans | Up to 36 months | as low as 7.140%3 |
| 37 to 48 months | as low as 7.340%3 | |
| 49 to 60 months | as low as 7.390%3 | |
| 61 to 72 months | as low as 7.390%3 | |
| 73 to 84 months | as low as 7.490%3 |
1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.
The monthly payment per $1,000 borrowed at 7.14% APR for a term of 36 months would require 36 monthly payments of $30.94 based on 30 days to first payment.
2) A vehicle is considered a business vehicle if it belongs to a company or corporation, it is used for business purpose, or is titled in the business name. These rates are applicable to vehicles found on the NADA website under New Car/Trucks, or Used Car/Trucks. Some Commercial vehicles do not qualify. Contact Business Services for vehicles not found under NADA New Car/Trucks or Used Car/Trucks. Business Loans are only available to Michigan businesses. Collateral must be located in Michigan.
Last Updated Thursday, December 19, 2024 11:45 AM EST
| Rate | Annual Percentage Rate (APR1) | Points | ||
|---|---|---|---|---|
| Conventional Fixed-Rate Mortgages | 30 Year | as low as 6.625% | 6.726% | 0.00 |
| 30 Year | as low as 6.375% | 6.572% | 1.00 | |
| 25 Year | as low as 6.625% | 6.738% | 0.00 | |
| 20 Year | as low as 6.375% | 6.506% | 0.00 | |
| 15 Year | as low as 6.000% | 6.162% | 0.00 | |
| 15 Year | as low as 5.750% | 6.069% | 1.00 | |
| 10 Year | as low as 5.875% | 6.104% | 0.00 | |
| Jumbo Fixed-Rate Mortgages | 30 Year | as low as 6.750% | 6.779% | 0.00 |
| 30 Year | as low as 6.500% | 6.626% | 1.00 | |
| 25 Year | as low as 6.750% | 6.782% | 0.00 | |
| 20 Year | as low as 6.500% | 6.537% | 0.00 | |
| 15 Year | as low as 6.125% | 6.171% | 0.00 | |
| 15 Year | as low as 5.875% | 6.078% | 1.00 | |
| 10 Year | as low as 6.000% | 6.065% | 0.00 | |
| Adjustable-Rate Mortgages | 7/1 | as low as 6.625% | 6.785% | 0.005 |
| 5/5 | as low as 6.625% | 6.801% | 0.005 | |
| 5/1 | as low as 6.500% | 6.750% | 0.005 | |
| 3/1 | as low as 6.375% | 6.753% | 0.005 | |
| Jumbo Adjustable-Rate Mortgages | 7/1 | as low as 6.625% | 6.714% | 0.006 |
| 5/5 | as low as 6.625% | 6.729% | 0.006 | |
| 5/1 | as low as 6.500% | 6.678% | 0.006 | |
| 3/1 | as low as 6.375% | 6.681% | 0.006 | |
| Vacant Land Mortgages | 15 Year | as low as 7.625% | 8.175% | 0.007 |
| 10 Year | as low as 7.500% | 8.264% | 0.007 | |
| 5/1 | as low as 7.625% | 7.451% | 0.007 | |
| 3/1 | as low as 7.500% | 7.284% | 0.007 |
1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.
2)
Mortgage Loan Terms
Rates are available for Fixed-Rate Mortgages, Jumbo Mortgages and Adjustable-Rate Mortgages. Rates are based on credit score, Loan-to-Value ratio and the term of the loan. All loans are subject to credit approval. All rates subject to change without notice.
Conventional Mortgage APRs are based on $200,000 loan amount and Jumbo APRs based on $766,551 loan amount and points indicated and does not include prepaid finance charges.
There is an origination fee as low as $1,295 to process the mortgage loan. Rates can be locked at your request, once a complete application has been submitted.
Fixed-Rate Mortgage Loan Payment Example: A primary residence, owner-occupied, single family home in Michigan, with a purchase price of $285,714 with 30% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $200,000 borrowed at a 6.625% interest rate (6.726% APR) for a term of 360 months would require monthly payments of $1,280.62. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.
Jumbo Fixed-Rate Mortgage Loan Payment Example: (Minimum loan amount $766,551): A primary residence, owner-occupied, single family home in Michigan, with a purchase price of $1,095,073 with 30% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $766,551 borrowed at a 6.750% interest rate (6.779% APR) for a term of 360 months would require monthly payments of $4,971.84. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.
3)
Adjustable-Rate Mortgage
Adjustable-Rate and Jumbo Adjustable-Rate Mortgages are variable and your APR may increase after the original rate period. Your rate will depend on your credit score, the Loan-to Value ratio and the term of the loan.
Rates are based on credit history, so your rate may differ from rate(s) listed above. All loans are subject to credit approval.
5/1 ARM Mortgage Loan Payment Example: A primary residence, owner-occupied, single family home in Michigan with a purchase price of $285,714 with 30% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $200,000 borrowed at 6.500% interest rate (6.750% APR) for a term of 360 months would require monthly payments of $1,264.14. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. With a 5/1 ARM, your loan will have an initial fixed-rate period of 60 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Rate is variable after the fixed-rate period and subject to change every year for the remaining life of the loan. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.
4)
Jumbo Adjustable-Rate Mortgage
Jumbo Adjustable-Rate Mortgages are variable and your APR may increase after the original rate period. Your rate will depend on your credit score, the Loan-to Value ratio and the term of the loan.
Rates are based on credit history, so your rate may differ from rate(s) listed above. All loans are subject to credit approval.
5/1 Jumbo ARM Mortgage Loan Payment Example (Minimum loan amount $766,551): A primary residence, owner-occupied, single family home in Michigan with a purchase price of $1,095,073 with 30% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $766,551 borrowed at 6.500% interest rate (6.678% APR) for a term of 360 months would require monthly payments of $4,845.12. Payment example does not include property taxes, homeowners insurance, and/or private mortgage insurance and your monthly payment obligation will be higher. With a 5/1 ARM, your loan will have an initial fixed-rate period of 60 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Rate is variable after the fixed-rate period and subject to change every year for the remaining life of the loan. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.
5)
Vacant Land Mortgage
Fixed-Rate Vacant Land Mortgage Loan Payment Example: A Michigan property, vacant land, lot loan with intent to build a primary residence within two years, with a purchase price of $62,500 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $50,000 borrowed at a 7.625% interest rate (8.175% APR) for a term of 180 months would require monthly payments of $467.06. Payment example does not include property taxes and your monthly payment obligation will be higher. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.
Adjustable-Rate Vacant Land Mortgages are variable and your APR may increase after the original rate period. Your rate will depend on your credit score, the Loan-to Value ratio and the term of the loan.
Rates are based on credit history, so your rate may differ from rate(s) listed above. All loans are subject to credit approval.
3/1 ARM Vacant Land Mortgage Loan Payment Example: A Michigan property, vacant land, lot loan with intent to build a primary residence within two years, with a purchase price of $62,500 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $50,000 borrowed at a 7.500% interest rate (7.284% APR) for a term of 180 months would require monthly payments of $463.51. Payment example does not include property taxes and your monthly payment obligation will be higher. With a 3/1 ARM, your loan will have an initial fixed-rate period of 36 months. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of the reset. Rate is variable after the fixed-rate period and subject to change every year for the remaining life of the loan. Credit and collateral is subject to approval. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Equal Housing Lender.
Last Updated Monday, December 16, 2024 6:00 AM EST
| Loan To Value (LTV) | Annual Percentage Rate (APR1) | |
|---|---|---|
| Smartline Line of Credit (Variable Rate) | 70% LTV | as low as 7.750% |
| 80% LTV | as low as 8.000% | |
| 90% LTV | as low as 8.500% |
1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.
2)
Home Equity Loan Terms
SmartLine℠ Loans are for Primary residences and vacation homes located in the states of Michigan, Illinois, Florida, Indiana, and Ohio. Consult with a reliable tax advisor about the deductibility of SmartLine℠ loan interest. MSUFCU will acquire a security interest in your home and if timely repayment is not made, your home could be subject to loss. Property insurance on your home is required.
SmartLine℠ Line of credit is a Variable-Rate loan. Your rate will depend on your credit score and Loan-to-Value ratio. This product has a variable-rate that is based on the market rates (prime plus margin). Your margin will be between 0.00% and 7.00% APR. Your overall rate (prime plus margin) will never fall below 2.00%APR, nor will it exceed 18.00% APR, Market rates are subject to MSUFCU's Rate.
Minimum rate is 2.00% APR and will never fall below 2.00% APR. Depending on your credit score and Loan-to-Value ratio, the minimum rate can be between 2.00% APR and 7.00% APR.
SmartLine℠ has an option for fixed rate segments. Your rate will depend on your credit score, the Loan-to-Value ratio and the term of the segment.
The segment monthly payment per $1,000 borrowed at 7.69% APR for a term of 60 months with 70% Loan-to-value (LTV) would require 60 monthly payments of $20.13 based on 30 days to first payment. SmartLine℠ loans can have three segments in addition to the line of credit. The payment is determined by adding together the segment payments and the line of credit payment.
There is a $199 origination fee, plus valuation report fee and closing fee (if not closing at an MSUFCU branch). Any time a valuation report or appraisal is required for the subject property, the cost will be the borrower's responsibility. Any special offer does not apply to the cost of the valuation report, appraisal, closing fees, or state tax.
Last Updated Monday, December 16, 2024 6:00 AM EST
View Smartline Segment Calculator| Term | Annual Percentage Rate (APR1) | |
|---|---|---|
| Smartline Fixed Segment 70% LTV | Up to 36 months | as low as 8.040% |
| Up to 60 months | as low as 7.690% | |
| Up to 120 months | as low as 8.550% | |
| Up to 180 months | as low as 8.650% | |
| Smartline Fixed Segment 80% LTV | Up to 36 months | as low as 8.140% |
| Up to 60 months | as low as 7.790% | |
| Up to 120 months | as low as 8.700% | |
| Up to 180 months | as low as 8.800% | |
| Smartline Fixed Segment 90% LTV | Up to 36 months | as low as 8.240% |
| Up to 60 months | as low as 7.890% | |
| Up to 120 months | as low as 9.050% | |
| Up to 180 months | as low as 9.150% |
1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.
2)
Home Equity Loan Terms
SmartLine℠ Loans are for Primary residences and vacation homes located in the states of Michigan, Illinois, Florida, Indiana, and Ohio. Consult with a reliable tax advisor about the deductibility of SmartLine℠ loan interest. MSUFCU will acquire a security interest in your home and if timely repayment is not made, your home could be subject to loss. Property insurance on your home is required.
SmartLine℠ Line of credit is a Variable-Rate loan. Your rate will depend on your credit score and Loan-to-Value ratio. This product has a variable-rate that is based on the market rates (prime plus margin). Your margin will be between 0.00% and 7.00% APR. Your overall rate (prime plus margin) will never fall below 2.00%APR, nor will it exceed 18.00% APR, Market rates are subject to MSUFCU's Rate.
Minimum rate is 2.00% APR and will never fall below 2.00% APR. Depending on your credit score and Loan-to-Value ratio, the minimum rate can be between 2.00% APR and 7.00% APR.
SmartLine℠ has an option for fixed rate segments. Your rate will depend on your credit score, the Loan-to-Value ratio and the term of the segment.
The segment monthly payment per $1,000 borrowed at 7.69% APR for a term of 60 months with 70% Loan-to-value (LTV) would require 60 monthly payments of $20.13 based on 30 days to first payment. SmartLine℠ loans can have three segments in addition to the line of credit. The payment is determined by adding together the segment payments and the line of credit payment.
There is a $199 origination fee, plus valuation report fee and closing fee (if not closing at an MSUFCU branch). Any time a valuation report or appraisal is required for the subject property, the cost will be the borrower's responsibility. Any special offer does not apply to the cost of the valuation report, appraisal, closing fees, or state tax.
Last Updated Monday, December 16, 2024 6:00 AM EST
| Annual Percentage Rate (APR1) | ||
|---|---|---|
| Home Improvement | Up to 36 months | as low as 10.240% |
| 37 to 48 months | as low as 10.490% | |
| 49 to 60 months | as low as 10.740% | |
| 61 to 120 months | as low as 11.740% | |
| 121 to 180 months | as low as 13.740% |
1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.
2)
Home Improvement Loan
Home Improvement Loans are available for Home Improvement purposes and does not involve security in your home.
The monthly payment per $1,000 borrowed at 10.24% APR for a term of 36 months would require 36 monthly payments of $32.38 based on 30 days to first payment.
Last Updated Monday, December 16, 2024 6:00 AM EST
| Annual Percentage Rate (APR1) | ||
|---|---|---|
| Black & Gold Loan | Up to 12 months | 10.990% |
| Debt Consolidation Loan | Up to 84 months | as low as 17.990% |
| 85 to 180 months | as low as 17.990% | |
| Flex Loan | Up to 6 months | 28.000% |
| Instant Cash Line-of-Credit | Line of Credit | as low as 10.900% |
| Relocation Loan | Up to 18 months | as low as 11.990% |
| Holiday Loan | Up to 18 months | as low as 11.990% |
| Signature Loan | Up to 18 months | as low as 11.990% |
| 19 to 84 months | as low as 12.240% | |
| 85 to 180 months | as low as 13.740% |
1) Stated loan rates are available to members with qualifying credit scores. Actual rates may be higher and will be determined by a member's individual credit score, loan term, and collateral if applicable. Actual loan term may vary and will be determined based on member's individual credit history and ability to pay. All loans subject to credit approval.
The monthly payment per $1,000 borrowed at 11.99% APR for a term of 18 months would require 18 monthly payments of $60.98 based on 30 days to first payment.
Last Updated Saturday, December 21, 2024 3:29 AM EST
| APY1 | Minimum Balance | Valid Thru | |
|---|---|---|---|
| Business Grizzly Saver | 0.05% | None | 12/31/2024 |
| Business IMMA - Tier 1 | 1.10% | $2,000.00 | 12/27/2024 |
| Business IMMA - Tier 2 | 1.10% | $10,000.00 | 12/27/2024 |
| Business IMMA - Tier 3 | 1.50% | $25,000.00 | 12/27/2024 |
| Business IMMA - Tier 4 | 1.60% | $50,000.00 | 12/27/2024 |
| Business IMMA - Tier 5 | 2.25% | $100,000.00 | 12/27/2024 |
| Business IMMA - Tier 6 | 2.85% | $500,000.00 | 12/27/2024 |
| Business IMMA - Tier 7 | 3.85% | $1,000,000.00 | 12/27/2024 |
| Business IMMA - Tier 8 | 3.85% | $2,000,000.00 | 12/27/2024 |
| Money Market Business Checking - Tier 1 | 1.25% | $25,000.00 | 12/27/2024 |
| Business IMMA - Tier 9 | 3.85% | $5,000,000.00 | 12/27/2024 |
| Money Market Business Checking - Tier 2 | 1.50% | $50,000.00 | 12/27/2024 |
| Money Market Business Checking - Tier 3 | 2.00% | $100,000.00 | 12/27/2024 |
| Business Sweep - Tier 1 | 1.25% | $2,000.00 | 12/27/2024 |
| Business Sweep - Tier 2 | 1.25% | $10,000.00 | 12/27/2024 |
| Business Sweep - Tier 3 | 1.25% | $50,000.00 | 12/27/2024 |
| Business Sweep - Tier 4 | 1.30% | $100,000.00 | 12/27/2024 |
| Business Sweep - Tier 5 | 1.30% | $500,000.00 | 12/27/2024 |
| Business Sweep - Tier 6 | 1.35% | $1,000,000.00 | 12/27/2024 |
| Business Sweep - Tier 7 | 1.35% | $2,000,000.00 | 12/27/2024 |
1) Annual percentage yield (APY) means a percentage rate reflecting the total amount of dividends paid on an account, based on the dividend rate and the frequency of compounding for a 365-day period. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA. Rates for accounts are variable and may change after account opening.
Last Updated Saturday, December 21, 2024 3:29 AM EST
| APY1 | Minimum Balance | Valid Thru | |
|---|---|---|---|
| IMMA - Tier 1 | 1.10% | $2,000.00 | 12/27/2024 |
| IMMA - Tier 2 | 1.10% | $10,000.00 | 12/27/2024 |
| IMMA - Tier 3 | 1.50% | $25,000.00 | 12/27/2024 |
| IMMA - Tier 4 | 1.60% | $50,000.00 | 12/27/2024 |
| IMMA - Tier 5 | 2.25% | $100,000.00 | 12/27/2024 |
| IMMA - Tier 6 | 2.40% | $500,000.00 | 12/27/2024 |
| IMMA - Tier 7 | 2.50% | $1,000,000.00 | 12/27/2024 |
| IMMA - Tier 8 | 2.75% | $2,000,000.00 | 12/27/2024 |
| IMMA - Tier 9 | 3.00% | $5,000,000.00 | 12/27/2024 |
| IRA-HSA IMMA - Tier 1 | 1.10% | $50.00 | 12/27/2024 |
| IRA-HSA IMMA - Tier 2 | 1.10% | $10,000.00 | 12/27/2024 |
| IRA-HSA IMMA - Tier 3 | 1.50% | $25,000.00 | 12/27/2024 |
| IRA-HSA IMMA - Tier 4 | 1.60% | $50,000.00 | 12/27/2024 |
| IRA-HSA IMMA - Tier 5 | 2.25% | $100,000.00 | 12/27/2024 |
| IRA-HSA IMMA - Tier 6 | 2.40% | $500,000.00 | 12/27/2024 |
| IRA-HSA IMMA - Tier 7 | 2.50% | $1,000,000.00 | 12/27/2024 |
| IRA-HSA IMMA - Tier 8 | 2.75% | $2,000,000.00 | 12/27/2024 |
| IRA-HSA IMMA - Tier 9 | 3.00% | $5,000,000.00 | 12/27/2024 |
1) Annual percentage yield (APY) means a percentage rate reflecting the total amount of dividends paid on an account, based on the dividend rate and the frequency of compounding for a 365-day period. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA. Rates for accounts are variable and may change after account opening.
Last Updated Saturday, December 21, 2024 3:29 AM EST
| APY1 | Minimum Balance | Valid Thru | |
|---|---|---|---|
| Grizzly Saver | 0.05% | None | 12/31/2024 |
| Holiday / Vacation | 0.05% | None | 12/31/2024 |
| Classic Checking | 0.00% | None | 12/31/2024 |
| Money Market Checking - Tier 1 | 1.10% | $2,000.00 | 12/27/2024 |
| Money Market Checking - Tier 2 | 1.10% | $10,000.00 | 12/27/2024 |
| Money Market Checking - Tier 3 | 1.50% | $50,000.00 | 12/27/2024 |
| Money Market Checking - Tier 4 | 2.00% | $100,000.00 | 12/27/2024 |
| Savings Builder - Tier 1 | 5.25%2 | $0 - $999.99 | 12/31/2024 |
| Savings Builder - Tier 2 | 3.74% to 5.25%2 | $1,000 - $1,999.99 | 12/31/2024 |
| Savings Builder - Tier 3 | 1.10% to 3.74%2 | $2,000 and above | 12/31/2024 |
1) Annual percentage yield (APY) means a percentage rate reflecting the total amount of dividends paid on an account, based on the dividend rate and the frequency of compounding for a 365-day period. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA. Rates for accounts are variable and may change after account opening.
2) The Savings Builder is a blended rate account which pays a different dividend rate on the amount of funds in each tier. Each dividend rate will apply only to the portion of the account balance within each balance range tier and not the entire account balance. For example, if you had a daily balance of $10,000 in your Savings Builder account, you would earn the Tier 1 rate on the first $999.99, the Tier 2 rate on dollars $1,000 through $1,999.99, and the Tier 3 rate on dollars $2,000 through $10,000. The APY range for Tier 3 assumes a daily balance of $10,000. A higher daily balance will result in a lower APY being earned. Limit one Savings Builder account per account. Youth accounts, business accounts, Individual Retirement Accounts, and Health Savings Accounts are not eligible for a Savings Builder account.
Last Updated Saturday, December 21, 2024 3:29 AM EST
| APY1 | Minimum Balance | Valid Thru | |
|---|---|---|---|
| 3-Month Certificate or IRA-HSA | 3.25% | $500.00 | 12/27/2024 |
| 3-Month Certificate or IRA-HSA Jumbo | 3.40% | $100,000.00 | 12/27/2024 |
| 6-Month Certificate or IRA-HSA | 3.60% | $500.00 | 12/27/2024 |
| 6-Month Certificate or IRA-HSA Jumbo | 3.75% | $100,000.00 | 12/27/2024 |
| 9-Month Certificate or IRA-HSA | 3.65% | $500.00 | 12/27/2024 |
| 9-Month Certificate or IRA-HSA Jumbo | 3.80% | $100,000.00 | 12/27/2024 |
| 1-Year Add-On Certificate or IRA-HSA | 3.70% | $50.00 | 12/27/2024 |
| 1-Year Add-On Certificate or IRA-HSA Jumbo | 3.85% | $100,000.00 | 12/27/2024 |
| 18 Month Certificate or IRA-HSA | 3.65% | $500.00 | 12/27/2024 |
| 18 Month Certificate or IRA-HSA Jumbo | 3.80% | $100,000.00 | 12/27/2024 |
| 2-Year Certificate or IRA-HSA | 3.60% | $500.00 | 12/27/2024 |
| 2-Year Certificate or IRA-HSA Jumbo | 3.75% | $100,000.00 | 12/27/2024 |
| 3-Year Certificate or IRA-HSA | 3.60% | $500.00 | 12/27/2024 |
| 3-Year Certificate or IRA-HSA Jumbo | 3.75% | $100,000.00 | 12/27/2024 |
| 4-Year Certificate or IRA-HSA | 3.60% | $500.00 | 12/27/2024 |
| 4-Year Certificate or IRA-HSA Jumbo | 3.75% | $100,000.00 | 12/27/2024 |
| 5-Year Certificate or IRA-HSA | 3.60% | $500.00 | 12/27/2024 |
| 5-Year Certificate or IRA-HSA Jumbo | 3.75% | $100,000.00 | 12/27/2024 |
| 7-Year Certificate or IRA | 3.65% | $2,500.00 | 12/27/2024 |
| 7-Year Certificate or IRA Jumbo | 3.80% | $100,000.00 | 12/27/2024 |
1) Annual percentage yield (APY) means a percentage rate reflecting the total amount of dividends paid on an account, based on the dividend rate and the frequency of compounding for a 365-day period. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA.
2)
Certificate penalties for early withdrawals:
Certificates of one year or less: Results in penalty equal to 90 days dividends based on amount withdrawn.
Certificates of 13 months to five years: Results in penalty equal to 180 days dividends based on amount withdrawn.
Certificates of more than five years: Results in penalty equal to 365 days dividends based on amount withdrawn.
If the dividend is not sufficient to cover the penalty, the principal amount will be reduced to cover this amount.
The above penalties will not be charged after death of an owner of a Certificate.
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