Rates

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Savings | Credit Cards | Loans

Savings

Savings Account

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Amount APY APR
$100-$499.99 0.01% 0.01%
$500-$1,499.99 0.01% 0.01%
$1,500-$2,999.99 0.01% 0.01%
$3,000 and up 0.01% 0.01%

APR = Annual Percentage Rate; APY = Annual Percentage Yield

Rates and terms subject to change without notice. As of 03/20/2023

eMax$ Online

Award Level APY APR
One-Star 0.25% 0.25%
Two-Star 1.00% 1.00%
Three-Star 2.02% 2.00%
Four-Star 4.07% 4.00%

APR = Annual Percentage Rate; APY = Annual Percentage Yield

Rates and terms subject to change without notice. As of 03/20/2023

Holiday Club

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Amount APY APR
$100-$499.99 0.01% 0.01%
$500-$1,499.99 0.01% 0.01%
$1,500-$2,999.99 0.01% 0.01%
$3,000 and up 0.01% 0.01%

APR = Annual Percentage Rate; APY = Annual Percentage Yield

Rates and terms subject to change without notice. As of 03/20/2023

Certificate Account

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Term APY APR
6 months 0.10% 0.10%
12 months 0.25% 0.25%
24 months 0.45% 0.45%
36 months 0.65% 0.65%
60 months 0.75% 0.75%
SPECIAL    
9 months 4.07% 4.00%

APY = Annual Percentage Yield; APR = Annual Percentage Rate

Rates and terms subject to change without notice. As of 03/20/2023

IRAs

Term APY APR
Money Rate 0.15% 0.15%
6 months 0.10% 0.10%
12 months 0.25% 0.25%
24 months 0.45% 0.45%
36 months 0.65% 0.65%
60 months 0.75% 0.75%

APY = Annual Percentage Yield; APR = Annual Percentage Rate

Rates and terms subject to change without notice. As of 03/20/2023

Credit Cards

Loans

Home Loans

Adjustable Rate Mortgages (ARMs)

Term Base Rate Initial APR*
1/1 ARM 3.499% 3.610%
3/1 ARM 3.750% 3.863%
5/1 ARM 3.990% 4.105%
7/1 ARM 4.990% 5.384%
10/1 ARM 5.250% 5.535%

*APR is calculated assuming a $300,000 loan amount for a purchase price of $375,000 on a single family dwelling, 30-year term, 2/6 caps >740 credit score, 80% LTV/CLTV, 1% origination fee, $890.00 in other ActorsFCU fees.

These assumptions are subject to change without notice.  Rate, points, and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value, and the borrower's credit score.  The final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

Apply now for an adustable rate mortgage

Fixed Rate Mortgages

Term Base Rate APR*
10 Year 5.250% 5.552%
15 Year 5.375% 5.587%
20 Year 5.500% 5.669%
30 Year 5.750% 5.877%

*APR is calculated assuming a $300,000 loan amount for a purchase price of $375,000 on a single family dwelling, >740 credit score, 80% LTV/CLTV, 1% origination fee, $890.00 in other ActorsFCU fees.

These assumptions are subject to change without notice.  Rate, points, and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value, and the borrower's credit score.  The final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

Apply now for an adustable rate mortgage

Home Equity Line of Credit (HELOC)  

Type Term Base Rate (APR)
Standard 20 Year (5/15 Draw/Repayment) Prime Rate for Life
Interest Only 20 Year (10/10 Draw/Repayment) Prime Rate for Life

Apply now for a home equity line of credit

Home Equity Loan (Fixed Rate 2nd Mortgage)

Term Base Rate

 
     
10 Year 5.25%  
15 Year 5.50%  
20 Year 5.75%  

Apply now for a home equity line of credit

Auto Loans

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Auto Loan Rates

Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:
Loan Term Rate (APR)
  New & Used  
  2-Year 4.24% APR*
  3-Year 4.49% APR*
  4-Year 4.74% APR*
  5-Year 4.99% APR*
  6-Year 5.24% APR*
  7-Year 5.49% APR*

*APR = Annual Percentage Rate; APY = Annual Percentage Yield

 

Motorcycle, RV, & Boat Loan Rates

Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:

 

Loan Term Rate (APR)
  New & Used  
  3-Year 4.74% APR*
  4-Year 4.99% APR*
  5-Year 5.24% APR*
  6-Year 5.49% APR*
  7-Year 5.74% APR*

*APR = Annual Percentage Rate; APY = Annual Percentage Yield

Rates and terms subject to change without notice. As of 03/20/2023

Consumer Loans

Personal Loan

*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:
Term Rate (APR)
1-Year 8.99%
2-Year 9.24%
3-Year 9.49%
4-Year 9.74%
5-Year 9.99%

Balance Transfer Loan

*For qualified members based on a member's creditworthiness, rates as low as:
Term Rate (APR)
1-Year 9.24%
2-Year 9.49%
3-Year 9.74%
4-Year 9.99%
5-Year 10.24%

Cash Draw

Term Rate (APR)
Open-Ended 8.99%

Share-Secured Loan

*For qualified members based on a member's creditworthiness, rates as low as:
Term Rate (APR)
3-Year  
4-Year as low as 3.9% above Share Account rate 
5-Year  

 

Certificate-Secured Loan

 

Term Rate (APR)
3-Year  
4-Year as low as 3.9% above High-Yield Certificate rate
5-Year  

Vacation Loan

*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:

 

Term Rate (APR)
1-Year 8.99%

 

Holiday

*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:

 

Term Rate (APR)
1-Year 8.99%

 

APR = Annual Percentage Rate

Rates and terms subject to change without notice. As of 03/20/2023

Union Initiation Fee Loans

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Term

 

Rate (APR)
2-Year 8.99%*
3-Year 9.24%*

*APR = Annual Percentage Rate. Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness.

Rates and terms subject to change without notice. As of 03/20/2023

Musical Instruments Loans

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Tier One - Loans $10,000 up to $49,999

Maximum Term Current Rate (APR*)
60 months as low as 8.50%

Tier Two - Loans $50,000 up to $250,000

Maximum Term Current Rate (APR*)
240 months as low as 4.24%
*APR = Annual Percentage Rate.  Loan rates are determined by the Wall Street Journal Prime Rate, the borrower's creditworthiness, and credit union's underwriting guidelines.  Loans over $100,000 require a 60-month balloon term.  Ask for complete details.
Rates and terms subject to change without notice. As of 03/20/2023