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Rates

Credit unions strive for higher deposit rates and lower loan rates for our membership. Over the 70 years we have been in business, we continue to provide a tradition in value to our members and the community. We invite you to compare the rest, then experience the tradition by opening a CUA deposit account, checking account, certificate, IRA or loan!

Annual percentage yield (APY).  Rates subject to change.  Certificates $500 to open.

Open an Account

ConnectCheck
Balance Range * Nominal Rate Yield/APY ** Dividends Paid
$1,000-$4,999 0.15% 0.15% monthly
$5,000-$9,999 0.15% 0.15% monthly
$10,000.00 or more 0.15% 0.15% monthly
* Average Daily Balance of $1,000.00 must be maintained to earn dividends. Rates subject to change. (APY) Annual Percentage Yeild.
ReserveCheck
Balance Range * Nominal Rate Yield/APY ** Dividends Paid
$1,000.00  to $4,999.00 0.15% 0.15% monthly
$5,000.00  to $9,999.00 0.20% 0.20% monthly
$10,000.00 or more 0.25% 0.25% monthly
* Average Daily Balance of $1,000.00 must be maintained to earn dividends.

All Rates Stated as of 8/01/2016. All Rates Subject To Change Daily.
** APY = Annual Percentage Yield

Open an Account

Regular Shares
Balance Range * Nominal Rate Yield/APY ** Dividends Paid
$100.00 to $2,499.00 0.25% 0.25% monthly
$2,500.00 or more 0.30% 0.30% monthly
* Average Daily Balance of $100.00 must be maintained to earn dividends.
Special Purpose
Balance Range * Nominal Rate Yield/APY ** Dividends Paid
$100.00 or more 0.25% 0.25% monthly
* Average Daily Balance of $100.00 must be maintained to earn dividends.
Youth Stars of America & Boom Account
Balance Range * Nominal Rate Yield/APY ** Dividends Paid
$25.00 or more 0.25% 0.25% monthly
* Balance of $25.00 must be maintained to earn dividends.
Holiday Club
Balance Range * Nominal Rate Yield/APY ** Dividends Paid
$25.00 or more 0.25% 0.25% monthly
* Average Daily Balance of $25.00 must be maintained to earn dividends. Rates subject to change. (APY) Annual Percentage Yeild.
Money Market - Liquidity Plus
Balance Range * Nominal Rate Yield/APY ** Dividends Paid
$2,500.00 to $4,999.00 0.35% 0.35% monthly
$5,000.00 to $14,999.00 0.40% 0.40% monthly
$15,000.00 to $24,999.00 0.45% 0.45% monthly
$25,000.00 or more 0.50% 0.50% monthly
* Minimum Balance of $2,500.00 must be maintained to earn dividends.
Money Market - Performance Plus
Balance Range * Nominal Rate Yield/APY ** Dividends Paid
$0.00 to $24,999.00 0.00% 0.00% monthly
$25,000.00 to $49,999.00 0.50% 0.50% monthly
$50,000.00 to $74,999.00 0.55% 0.55% monthly
$75,000.00 or more 0.60% 0.60% monthly
* Minimum Average Daily Balance of $25,000.00 to earn dividends.

All Rates Stated as of 4/01/2017. All Rates Subject To Change Daily.
** APY = Annual Percentage Yield

Business Simple Shares
Balance Range * Nominal Rate Yield/APY ** Dividends Paid
$100 to $2,499 0.15% 0.15% monthly
$2,500 or more 0.20% 0.20% monthly
* Average Daily Balance of $100 must be maintained to earn dividends
Business Simple Interest Checking
Balance Range * Nominal Rate Yield/APY ** Dividends Paid
$1,500 or more 0.15% 0.15% monthly
* Average Daily Balance of $1,500 must be maintained to earn dividends
Business Liquidity Plus
Balance Range * Nominal Rate Yield/APY ** Dividends Paid
$2,500 to $4,999 0.30% 0.30% monthly
$5,000 to $14,999 0.35% 0.35% monthly
$15,000 to $24,999 0.40% 0.40% monthly
$25,000 or more 0.45% 0.45% monthly
* Average Daily Balance of $2,500 must be maintained to earn dividends
Business Simple Account Certificates Minimum Balance of $500.00 Maximum of $99,000.
Account Nominal Rate Yield/APY ** Dividends Paid
3 Months 0.30% 0.30% at maturity
6 Months 0.60% 0.60% at maturity
12 Months 0.90% 0.90% monthly
18 Months 0.99% 1.00% monthly
24 Months 1.19% 1.20% monthly
36 Months 1.54% 1.55% monthly
48 Month 1.74% 1.75% monthly
60 Months 1.98% 2.00% monthly
Please note: Certificate sales for balances over $100,000 require rate quote through Branch Manager from President or SVP Finance.
Business Special Certificates
Account Min. Balance Nominal Rate Yield/APY ** Dividends Paid
30 month Bump Rate $2,500 1.19% 1.20% monthly
Bump-up CD may be bumped to current rate being paid on CUA's 24 month CD once during the initial term.

Rates Stated as of 04/01/2017. Rates Subject To Change Daily.
** APY = Annual Percentage Yields listed are subject to change without notice. Minimum deposits may be required. Penalties may apply for early withdrawal. Fees may reduce earnings. Membership required. Funds in excess of $100,000 may be discounted and/or require special approval.

Open an Account

Share Certificates Minimum Balance of $500.00 Maximum of $99,000.
  Paid Monthly: Paid At Maturity Paid Quarterly
Account Nominal Rate Yield/APY** Nominal Rate Yield/APY** Nominal Rate Yield/APY**
3 months      0.40% 0.40%    
6 months     0.70% 0.70%    
12 months 0.99% 1.00% 0.99% 1.00%    
18 months 1.09% 1.10%        
24 months 1.29% 1.30%        
24 months
online only
1.29% 1.30%        
36 months 1.64% 1.65%        
42 months* 1.74% 1.75%        
48 months 1.83% 1.85%        
60 months 2.08% 2.10%        
*Annual percentage yield valid for a limited time only and subject to change without notice. Minimum $5,000, maximum $250,000. One certificate per member. Certificate renews to 36-mo rate. Early withdrawal penalties may apply. Must have a Money Market account with a minimum of $2,500 to qualify.
Please Note: Any certificate opening with a balance over $100,000 requires rate quote through Branch Manager from President or SVP of Finance.
Special Certificates
Account Min. Balance Min. Amt. to Add-On Nominal Rate Yield/APY** Dividends Paid
30 month Bump $2500.00 n/a 1.29% 1.30% monthly
1 year Add-On $100.00 $10.00 0.99% 1.00% monthly

Rates Stated as of 4/24/2017. Rates Subject To Change Daily.
** APY = Annual Percentage Yields listed are subject to change without notice. Minimum deposits may be required. Penalties may apply for early withdrawal. Fees may reduce earnings. Membership required. Funds in excess of $100,000 may be discounted and/or require special approval.

IRA Certificates
Account Min. Balance Nominal Rate Yield/APY ** Dividends Paid
12 months $500.00 0.99% 1.00% monthly
24 months $500.00 1.29% 1.30% monthly
36 months $500.00 1.64% 1.65% monthly
48 months $500.00 1.83% 1.85% monthly
60 months $500.00 2.08% 2.10% monthly
Please Note: Any certificate opening with a balance over $100,000 requires rate quote through Branch Manager from President or SVP of Finance.
Flexible IRA (includes Traditional, Roth, and CESA IRAs)
Balance Range for Dividends Nominal Rate Yield/APY ** Dividends Paid
$100.00 to $4,999.00 0.50% 0.50% monthly
$5,000.00 to $9,999.00 0.65% 0.65% monthly
$10,000.00 or more 0.75% 0.75% monthly
*minimum balance of $100 must be maintained to earn dividends
Special IRA Certificates
Account Min. Balance Min. Amt. to Add-On Nominal Rate Yield/APY ** Dividends Paid
30 month Bump $2500.00 n/a 1.29% 1.30% monthly
1 year Add-On $100.00 $10.00 0.99% 1.00% monthly
Note: The Bump-Up Certificate may be bumped to the current rate being paid on CUA's 24-month certificates once during the initial term.

Rates Stated as of 4/1/2017. Rates Subject To Change Daily.
** APY = Annual Percentage Yields listed are subject to change without notice. Minimum deposits may be required. Penalties may apply for early withdrawal. Fees may reduce earnings. Membership required. Funds in excess of $100,000 may be discounted and/or require special approval.

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Auto Loans
Length of Term Min. Amount APR* As Low As** Special Requirements
36 months   2.75% 2011 and newer
48 months $5,000.00 3.25% 2011 and newer
60 months $12,000.00 3.25% 2011 and newer
72 months $17,500.00 3.50% 2011 and newer
84 months $35,000.00 4.00% 2015 and newer
**Rates based on credit score and discounts for checking and direct deposit. Maximum discount .50%, shown. Add .50% for 2010 models and older.

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Motorcycle Loans
Length of Term Min. Amount APR* As Low As** Special Requirements
36 Months Maximum Up to $2,499 auto rate + 3.00% n/a
48 Months Maximum $2,500 to $9,999 auto rate + 2.00% n/a
60 Months Maximum $ 10,000.00 auto rate + 1.25% n/a
**Rates based on credit score and discounts for checking and direct deposit. Maximum discount .50%

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Personal/Unsecured Loans
Length of Term Min. Amount APR* As Low As** Special Requirements
36 month $ 0 - $2499.00 9.00% n/a
36 month $ 2,500.00 8.50% n/a
**Rates based on credit score and discounts for checking and direct deposit. Maximum discount .50%

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Boat/RV Loans
Requirements Min. Amount APR* As Low As**  
New 2011-2013 n/a auto rate + .25%  
Used 2008-2010 n/a auto rate + .50%  
Used 2007 or older n/a auto rate + 1.00%  
**Rates based on credit score and discounts for checking and direct deposit.  Maximum discount .50%

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Share/Certificate Secured Loans
Types Min. Amount APR* As Low As** Special Requirements
Share/Money Market Secured none 3.25% 48 month maximum
Certificate Secured $0 - $4,999.00 CD rate + 2.00%  
Certificate Secured >$5,000.00 CD rate + 2.00%  
**Rates based on credit score

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Visa Loans
  Fixed Intro APR*
(first 6 months open)
Rates
Platinum see full disclosure see full disclosure

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Home Equity Line of Credit
Type APR* As Low As***  Special Requirements
1st or 2nd mortgage 3.50% 144 month maximum/variable

**Rates based on credit score and discounts for checking and direct deposit and less than 85% loan to value. Maximum discount .50%
Loans to $100,000 1.00% origination fee. Additional fee for appraisal and/or title policy, if required to qualify loan.
Rental property/vacant lots or over 85% loan to value add 1.00% to APR.
***Rates based on maximum loan to value of 85% and approved credit.
A five year, $25,000 loan with APR of 6.75% would require 60 monthly payments of $492.26.
A seven year, $25,000 loan with APR of 6.90% would require 84 monthly payments of $376.12.

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Rates stated as of 12/07/16. Rates Subject To Change Daily.
* APR = Annual Percentage Rate