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 12/05/2021

eMax$ Online

Award Level APY APR
One-Star 0.02% 0.02%
Two-Star 0.05% 0.05%
Three-Star 0.10% 0.10%
Four-Star 0.15% 0.15%

APR = Annual Percentage Rate; APY = Annual Percentage Yield

Rates and terms subject to change without notice. As of 12/05/2021

Holiday Club

Apply for Membership
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 12/05/2021

Certificate Account

Apply for Membership
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%

APY = Annual Percentage Yield; APR = Annual Percentage Rate

Rates and terms subject to change without notice. As of 12/05/2021

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 12/05/2021

Credit Cards

VISA® Platinum Premium

Apply for Credit Card
Term Rate (APR)
6-Month Intro Rate 2.9%
Rate Thereafter 7.9%

APR = Annual Percentage Rate; APY = Annual Percentage Yield

Rates and terms subject to change without notice. As of 12/05/2021

VISA® Platinum Preferred

Apply for Credit Card
Term Rate (APR)
6-Month Intro Rate 2.9%
Rate Thereafter 8.9%

APR = Annual Percentage Rate; APY = Annual Percentage Yield

Rates and terms subject to change without notice. As of 12/05/2021

VISA® Platinum

Apply for Credit Card
Term Rate (APR)
  11.9%

APR = Annual Percentage Rate; APY = Annual Percentage Yield

Rates and terms subject to change without notice. As of 12/05/2021

Secured VISA®

Apply for Credit Card
Term Rate (APR)
  14.9%
Credit Limit 125% of frozen amount in CD, up to a maximum of $2,000

APR = Annual Percentage Rate

Rates and terms subject to change without notice. As of 12/05/2021

Loans

Home Loans

Adjustable Rate Mortgages (ARMs)

Term Base Rate APR*
1/1 ARM 2.375% 2.481%
3/1 ARM 2.500% 2.606%
5/1 ARM 2.750% 2.858%
7/1 ARM 2.875% 2.984%
10/1 ARM 3.000% 3.109%

*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, $923.00 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 2.500% 2.790%
15 Year 2.750% 2.949%
20 Year 2.875% 3.029%
30 Year 3.000% 3.109%

*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, $923.00 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)

Term Score

Score
  680 - 740 >740
10 Year 3.50% 3.25%
15 Year 3.75% 3.50%
20 Year 3.99% 3.75%

Apply now for a home equity line of credit

Auto Loans

APPLY NOW

Auto Loan Rates

*For qualified members based on a member's creditworthiness, rates as low as:
Loan Term Rate (APR)
  New & Used  
  2-Year 1.99% APR*
  3-Year 2.49% APR*
  4-Year 2.74% APR*
  5-Year 2.99% APR*
  6-Year 3.24% APR*
  7-Year 3.49% APR*

APR = Annual Percentage Rate; APY = Annual Percentage Yield

 

Motorcycle, RV, & Boat Loan Rates

*For qualified members based on a member's creditworthiness, rates as low as:

 

Loan Term Rate (APR)
  New & Used  
  3-Year 2.64% APR*
  4-Year 2.84% APR*
  5-Year 3.04% APR*
  6-Year 3.24% APR*
  7-Year 3.74% APR*

APR = Annual Percentage Rate; APY = Annual Percentage Yield

Rates and terms subject to change without notice. As of 12/05/2021

Consumer Loans

Personal Loan

*For qualified members based on a member's creditworthiness, rates as low as:
Term Rate (APR)
1-Year 6.99%
2-Year 7.24%
3-Year 7.49%
4-Year 7.74%
5-Year 7.99%

Balance Transfer Loan

*For qualified members based on a member's creditworthiness, rates as low as:
Term Rate (APR)
1-Year 6.99%
2-Year 7.24%
3-Year 7.49%
4-Year 7.74%
5-Year 7.99%

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 3.90%
4-Year 3.90%
5-Year 3.90%

Certificate-Secured Loan

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

Vacation Loan

*For qualified members based on a member's creditworthiness, rates as low as:

 

Term Rate (APR)
1-Year 7.90%

 

Holiday

*For qualified members based on a member's creditworthiness, rates as low as:

 

Term Rate (APR)
1-Year 7.99%

 

APR = Annual Percentage Rate

Rates and terms subject to change without notice. As of 12/05/2021

Musical Instruments Loans

APPLY NOW

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

Maximum Term Current Rate (APR*)
60 months as low as 4.50%

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

Maximum Term Current Rate (APR*)
180 months as low as 6.00%
*APR = Annual Percentage Rate.  Tier one loan rates are dependent on creditworthiness and underwriting guidelines.  Tier two 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 12/05/2021

Union Initiation Fee Loans

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Term

 

Rate (APR)
2-Year 6.90%
3-Year 6.90%

APR = Annual Percentage Rate.

Rates and terms subject to change without notice. As of 12/05/2021

Student Loans

Private Student Loans

*For qualified members based on a member's creditworthiness, rates as low as:
Type Rate (APR)
Variable Rate** 1.49%
Fixed Rate** 3.99%

(with autopay ‡View Conditions for Autopay Discount)

Rates and terms subject to change without notice. As of 12/05/2021

Refinance Student Loans

Refinance Student Loans

*For qualified members based on a member's creditworthiness, rates as low as:
Type Rate (APR)
Variable Rate** 1.90%
Fixed Rate** 2.95%

(with autopay ‡View Conditions for Autopay Discount)

Rates and terms subject to change without notice. As of 12/05/2021