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Deposit & Loan Rates

Savings Rates

Rates effective as of 4/15/2026

Savings

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.

Holiday Club

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.

eMax Online

Award Level APY* APR*
Four Star 3.55% 3.50%
Three-Star 1.51% 1.50%
Two-Star 1.00% 1.00%
One-Star 0.25% 0.25%

*APR = Annual Percentage Rate. APY = Annual Percentage Yield Rates and terms subject to change without notice.

Certificates Rates

Rates effective as of 10/20/2026

Specials

Term APY* APR*
JUMBO 13 Month 5.11% 5.00%
†11 Months 4.33% 4.25%
9 Months 3.29% 3.25%

*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates and terms subject to change without notice

†The special 11-month Certificate may be opened for any amount equal to or greater than $500. Funds secured in this certificate must be derived from funds previously on deposit with an outside financial institution in like-titled personal or small business accounts, and must have been transferred via check, electronic deposit/transfer, or cash deposit no more than 30 days prior to the establishment of this special certificate account. Rates and terms subject to change without notice.

Certificates

Term APY* APR*
6 months 3.81% 3.75%
12 months 0.35% 0.35%
24 months (Step-Up) 0.55% 0.55%
36 months 0.75% 0.75%
60 months 3.29% 3.25%

*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates and terms subject to change without notice.

Business Accounts Rates

Rates effective as of 09/18/2025

Business Savings Account

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.

Rates apply to Business Savings Account.

IRAs Rates

Rates effective as of 09/18/2025

Certificate

Term APY* APR*
Money Rate .15% .15%
6 Months .10% .10%
12 Months .25% .25%
24 Months 2.00% 1.99%
36 Months .65% .65%
60 Months .75% .75%

*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates are subject to change without notice. 

Dividends begin accruing on the day of deposit and will be credited on the last day of each month (end of quarter for Share savings). Dividends are calculated using the Average Daily Balance computation method. This method applies a daily periodic rate to the principal in the account each day. If the account is closed before dividends are paid, the accrued dividend for that period will be forfeited. High-Yield Share Certificates and IRA Bonus Certificates - After a certificate account is opened, you may not make additions until maturity. You may not make withdrawals of the principal on a certificate account before maturity without penalty. You can withdraw earned dividends at any time during the life of the certificate without penalties. Penalties for early termination of an IRA Certificate do not include any state and/or federal penalties that may apply. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. IRAs are separately insured up to $250,000. Rates and terms subject to change without notice.

Auto Loans Rates

Rates effective as of 10/20/2026

Auto Loans

Loan Term for New & Used Rate (APR*)
2-Year 3.74%
3-Year 4.24%
4-Year 4.49%
5-Year 4.74%
6-Year 4.99%
7-Year 5.24%

*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. For used cars, the age of the vehicle may limit maximum loan term.

Motorcycle, RV, & Boat Loan

Loan Term for New & Used Rate (APR*)
3-Year 5.24%
4-Year 5.49%
5-Year 5.74%
6-Year 5.99%
7-Year 6.24%

*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. For used cars, the age of the vehicle may limit maximum loan term.

Consumer Loans Rates

Rates effective as of 10/1/2026

Signature Loan

Term Rate (APR*)
1-Year 9.99%
2-Year 10.24%
3-Year 10.49%
4-Year 10.74%
5-Year 10.99%

*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.

Balance Consolidation Loan

Term Rate (APR)
1-Year 9.99%
2-Year 10.24%
3-Year 10.49%
4-Year 10.74%
5-Year 10.99%

*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.

Cash Draw

Term Rate (APR*)
Open-Ended 9.24%

*APR = Annual Percentage Rate.

Share-Secured Loan

Term Rate (APR*)
3-Year as low as 3.65% above Share Account rate
4-Year as low as 3.65% above Share Account rate
5-Year as low as 3.65% above Share Account rate

*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.

Certificate-Secured Loan

Term Rate (APR*)
3-Year as low as 3.65% above High-Yield Certificate rate
4-Year as low as 3.65% above High-Yield Certificate rate
5-Year as low as 3.65% above High-Yield Certificate rate

*APR = Annual Percentage Rate.

Vacation Loan

Term Rate (APR*)
1-Year 9.99%

*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.

Holiday

Term Rate (APR*)
1-Year 9.99%

*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.

Union Initiation Fee Loans

Term Rate (APR*)
2-Year 9.99%
3-Year 10.24%
*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.

Musical Instruments Loans

Type Maximum Term Current Rate (APR*)
Tier One - Loans $10,000 up to $49,000 60 Months As Low As 8.00%
Tier Two - Loans $50,000 up to $250,000 240 Months As Low As 5.49%

*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.

Home Loans Rates

Rates effective as of 10/19/2026

Fixed-Rate Mortgage

Term Base Rate APR*
10 Year 5.390% 5.673%
15 Year 5.690% 5.891%
20 Year 5.890% 6.050%
30 Year 5.990% 6.111%

*APR = Annual Percentage Rate. 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, $850.00 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.

Adjustable Rate Mortgages (ARMs)

Term Base Rate Initial APR*
1/1 ARM 4.650% 4.761%
3/1 ARM 4.750% 4.862%
5/1 ARM 5.000% 5.114%
7/1 ARM 5.500% 5.617%

*APR = Annual Percentage Rate. 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, $850.00 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.

Home Equity Line of Credit (HELOC)

Type Term Best 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

*APR = Annual Percentage Rate.

Initial rates are subject to adjustment based on overall Credit risk conditions i.e. Credit Scores, Credit History, etc.

Home Equity Loan (Fixed Rate 2nd Mortgage)

Term Base Rate
10 Year 6.50%
15 Year 6.75%
20 Year 7.00%
Initial rates are subject to adjustment based on overall Credit risk conditions i.e. Credit Scores, Credit History, etc.

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Rates are subject to change without notice*.

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