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Rates

Credit unions strive for higher deposit rates and lower loan rates for our membership. Over the 80+ 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.  

ConnectCheck $100 Minimum to OpenOpen
Balance Range * Nominal Rate/APY**
$0.00 to $999.99 0.00% / 0.11%
$1,000.00 to $4,999.99 0.15% / 0.15%
$5,000.00 to $9,999.99 0.15% / 0.15%
$10,000.00 or more 0.15% / 0.15%

* Average Daily Balance of $1,000.00 must be maintained to earn dividends. Rates subject to change.

ReserveCheck $100 Minimum to OpenOpen
Balance Range * Nominal Rate/APY**
$0.00 to $999.99 0.00% / 0.11%
$1,000.00 to $4,999.99 0.15% / 0.15%
$5,000.00 to $9,999.99 0.20% / 0.20%
$10,000.00 or more 0.25% / 0.25%

* Average Daily Balance of $1,000.00 must be maintained to earn dividends. Dividends paid monthly.


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

Regular Shares $25 minimum to open
Balance Range * Nominal Rate/APY**
$25.00 to $99.99 0.00% / 0.00%
$100.00 to $2,499.99 0.25% / 0.25%
$2,500.00 or more 0.30% / 0.30%

* Average Daily Balance of $100.00 must be maintained to earn dividends. Dividends paid monthly.

Special Purpose $25 minimum to openOpen
Balance Range * Nominal Rate/APY**
$25.00 to $99.99 0.00% / 0.00%
$100.00 or more 0.25% / 0.25%

* Average Daily Balance of $100.00 must be maintained to earn dividends. Dividends paid monthly.

Holiday Club $25 minimum to openOpen
Balance Range * Nominal Rate/APY**
$25.00 or more 0.25% / 0.25%

* Average Daily Balance of $25.00 must be maintained to earn dividends. Dividends paid monthly.

Balance Boost Money Market $100 minimum to openOpen
Balance Range * Nominal Rate/APY**
$0.01 to $2,500.00 2.96% / 3.00%
$2,500.01 to $5,000.00 1.98% / 2.00%
$5,000.01 to $15,000.00 1.00% / 1.00%
$15,000.01 to $25,000.00 0.50% / 0.50%
$25,000.01 to $50,000.00 0.25% / 0.25%
$50,000.01 or more 0.2% / 0.20%

* Interest is paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly.

Performance Plus Money Market $25,000 minimum to openOpen
Balance Range * Nominal Rate/APY**
$0.00 to $24,999.99 0.00% / 0.00%
$25,000.00 to $49,999.99 0.50% / 0.50%
$50,000.00 to $74,999.99 0.55% / 0.55%
$75,000.00 or more 0.60% / 0.60%

* Minimum Average Daily Balance of $25,000.00 must be maintained to earn dividends. Dividends paid monthly.


Products without a link can only be opened in branch
All Rates Stated as of 3/30/2018. All Rates Subject To Change Daily.
** APY = Annual Percentage Yield

Business Simple Shares $25 minimum to open
Balance Range * Nominal Rate/APY**
$25.00 to $99.99 0.00% / 0.00%
$100.00 to $2,499.99 0.25% / 0.25%
$2,500.00 or more 0.30% / 0.30%

* Average Daily Balance of $100 must be maintained to earn dividends. Dividends paid monthly.

Business Simple Interest Checking  $100 minimum to open
Balance Range * Nominal Rate/APY**
$0.00 to $1,499.99 0.00% / 0.00%
$1,500.00 or more 0.15% / 0.15%

* Average Daily Balance of $1,500 must be maintained to earn dividends. Dividends paid monthly.

Business Liquidity Plus  $2,500 minimum to open
Balance Range * Nominal Rate/APY**
$0.00 to $2,499.99 0.00% / 0.00%
$2,500.00 to $4,999.99 0.35% / 0.35%
$5,000.00 to $14,999.99 0.40% / 0.40%
$15,000.00 to $24,999.99 0.45% / 0.45%
$25,000.00 or more 0.50% / 0.50%

* Average Daily Balance of $2,500 must be maintained to earn dividends. Dividends paid monthly.

Business Simple Share Certificates  $500 minimum to open
Account Nominal Rate/APY** Dividends Paid
3 Months 0.20% / 0.20% At maturity
6 Months 0.55% / 0.55% At maturity
1 Year 0.80% / 0.80% Monthly
18 Months 1.09% / 1.10% Monthly
2 Year 1.29% / 1.30% Monthly
3 Year 1.64% / 1.65% Monthly
4 Year 1.83% / 1.85$ Monthly
5 Year 2.08% / 2.10% Monthly
Business Special Certificates
Account Min. to Open Nominal Rate/APY**
30 month Bump Rate $2,500.00 1.29% / 1.30%

Bump-up CD may be bumped to current rate being paid on CUA's 2 Year CD once during the initial term. Dividends paid monthly.


Business products can only be opened in branch.

Rates Stated as of 3/15/2018. 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 $250,000 may be discounted and/or require special approval.

Share Certificates $500 Minimum to Open
Account
Click to Open
Nominal Rate/APY**
Paid Monthly
Nominal Rate/APY**
Paid At Maturity
3 months -  0.20% / 0.20%
6 months - 0.55% / 0.55%
1 Year 1.24% / 1.25% 1.24% / 1.25%
18 months 1.49% / 1.50% -
2 Year 1.79% / 1.80% -
3 Year 1.98% / 2.00% -
4 Year 2.08% / 2.10% -
5 Year 2.28% / 2.30% -

 

Add-On Certificates*
Account
Click to Open
Min. to Open Nominal Rate/APY**
Save to Win® Add-on** $25.00 1.24% / 1.25%
1 Year Add-On $100.00 1.24% / 1.25%
2 Year Add-On Web Only $2,500.00 1.79% / 1.80%

*Minimum to add on $10.00. Dividends paid monthly.

**$25 penalty for first early withdrawal during certificate term. After second withdrawal certificate will be closed and member must wait six months to reopen. Limit one Save to Win® certificate per member. Dividends paid monthly.See official rules for full details.

Special Certificates*
Account
Click to Open
Min. to Open Nominal Rate/APY**
30 Month Bump $2,500.00 1.79% / 1.80%
50 Month Double Bump*** $5,000.00 2.47% / 2.50%

*$25 penalty for first early withdrawal during certificate term. After second withdrawal certificate will be closed and member must wait six months to reopen. Limit one Save to Win® certificate per member. Minimum amount to add on $10.00. Dividends paid monthly. See official rules for full details.

***Annual percentage yield stated as of June 8, 2018, subject to change. Limited time offer for a 50-month term, minimum $5,000, maximum $250,000. 180 day penalty may apply for early withdrawal. Rate increases are dependent on current 48-month rate at time of "bump." Dividends paid monthly.


Term deposits without a link can only be opened in branch
Rates Stated as of 3/26/2018. 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 $250,000 may be discounted and/or require special approval.

IRA Certificates $500 Minimum to Open
Account Nominal Rate/APY** Dividends Paid
1 Year 1.24% / 1.25% Monthly
2 Year 1.79% / 1.80% Monthly
3 Year 1.98% / 2.00% Monthly
4 Year 2.08% / 2.10% Monthly
5 Year 2.28% / 2.30% Monthly
Flexible IRA (includes Traditional, Roth, and CESA IRAs)
Balance Range for Dividends Nominal Rate/APY**
$0.00 to $99.99 0.00% / 0.00%
$100.00 to $4,999.99 0.50% / 0.50%
$5,000.00 to $9,999.99 0.65% / 0.65%
$10,000.00 or more 0.75% / 0.75%

*Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.

Special IRA Certificates
Account Min. to Open Nominal Rate/APY**
30 Month Bump* $2,500.00 1.79% / 1.80%
1 Year Add-On*** $100.00 1.24% / 1.25%
50 Month Double Bump**** $5,000.00 2.47% / 2.50%

*The Bump-Up Certificate may be bumped to the current rate being paid on CUA's 2 Year certificates once during the initial term. Dividends paid monthly.
***Dividends paid monthly. $10.00 minimum to add-on.
****Annual percentage yield stated as of June 8, 2018, subject to change. LImited tim offer for a 50-month term, minimum $5,000, maximum $250,000. 180 day penalty may apply for early withdrawal. Rate increases are dependant on current 48-month rate at time of "bump." Dividends paid monthly.


IRA products can only be opened in branch.

Rates Stated as of 3/15/2018. 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 $250,000 may be discounted and/or require special approval.

Auto Loans Apply
Length of Term Min. Amount APR* As Low As**
36 months - 3.00%
48 months $5,000.00 3.25%
60 months $12,000.00 3.50%
72 months $17,500.00 3.75%
84 months*** $35,000.00 4.25%

**Rates based on credit score, vehicle age and discounts for educators and checking with direct deposit.

***New auto loans only

Motorcycle Loans Apply
Length of Term Min. Amount APR* As Low As**
36 Months Maximum Up to $2,499 auto rate + 3.00%
48 Months Maximum $2,500 to $9,999 auto rate + 2.00%
60 Months Maximum $10,000.00 auto rate + 1.25%

**Rates based on credit score, vehicle age and discounts for educators and checking with direct deposit.

Personal/Unsecured Loans
Loan Type
Click to Apply
Length of Term Min Amount APR* As Low As**
Signature Loan 36 months maximum $ 0 to $2,499.00 9.00%
Signature Loan 36 months maximum $2,500.00 8.50%
Guaranteed Teacher Loan^ 12 months $1,500.00 6.99%
Healthcare Professional Loan 12 months $1,500.00 6.99%
Laptop Loan*** 24 months $0 to $2,500.00 0.00%

**Rates based on credit score and discounts for educators and checking with direct deposit.

***Annual percentage rate for members in good standing with a valid student ID, proof of purchase, and approved credit. Co-signer required for borrowers under 18, limit one loan per member.

^Maximum $1,500.00 loan. Stated Annual Percentage Rate includes 5.00% discount for CUA checking with direct deposit. Guaranteed teacher loan requires a copy of your current Kansas USD full-time teaching contract, status as an educator in the state of Kansas, and payroll deduction for loan payment. One guaranteed teacher loan per member at any one point in time. Add-on funding not allowed on guaranteed teacher loans. Part-time teachers and non-teacher workers in the field of education are welcome to apply and must qualify for loan terms. All applicants must qualify for CUA membership and membership must be in good standing. All bankruptcies must be discharged.

Boat/RV Loans Apply
Requirements APR* As Low As**
New 2011-2013 auto rate + .25%
Used 2008-2010 auto rate + .50%
Used 2007 or older auto rate + 1.00%

**Rates based on credit score, vehicle age and discounts for checking and direct deposit.  

Share/Certificate Secured Loans
Types Min. Amount APR* 
Share/Money Market Secured** none 3.25%
Certificate Secured $0 - $4,999.00 Certificate rate + 2.00%
Certificate Secured >$5,000.00 Certificate rate + 2.00%

**48 month maximum

Visa Loans
Card
Click to Apply
Fixed Intro APR* (first 6 months open) Rates
Visa Signature Cash Back n/a see full disclosure
Visa Platinum Give Back see full disclosure see full disclosure
Home Equity Line of Credit Apply
Types APR* As Low As**  Special Requirements
1st or 2nd mortgage 3.75% 144 month maximum/variable

**Rates based on less than 85% loan to value. Rates stated are variable, with maximum rate to not exceed 5.00% increase of original APR on loan. Loans up to $150,000. Origination fee of 1.00%, with additional fees for appraisal and/or title property if required for loan qualification.


Products without a link can only be opened in branch
Rates stated as of 06/01/18. Rates Subject To Change Daily.

* APR = Annual Percentage Rate