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FinancialEdge Credit Union Go to main content Locations

Competitive Rates to Help You Reach Your Financial Dreams

At FinancialEdge Credit Union, you'll find that we offer competitive rates on auto, RV, and other loans to help you finance the vehicle, business, or adventure you've been dreaming of. Plus, with great rates on savings, checking, and more, you'll be able to reach your financial goals faster!

Click on an option below to view rates for our products and services.

 

Loan Rates

Loans

Automobiles, Cars, Trucks, SUVs
Effective Date: Thursday, February 22nd, 2018
APR*Maximum Term
1.99% Up to 24 Months
2.25% 36 Months
2.50% 66 Months
2.75% 75 Months
3.75% 84 Months

Personal Unsecured Loans
Effective Date: Thursday, February 22nd, 2018
Loan TypeAPR*Maximum Term
Signature Loans 7.50% APR 24 Months
Revolving Loans 9.75% APR Open Term
Visa Platinum 8.90% APR N/A

Boats, Motorcycles, RVs, Travel Trailers, ATVs, UTVs and Other Secured Loans
Effective Date: Thursday, February 22nd, 2018
APR*Maximum Term
2.75% 36 Months
2.75% 66 Months
3.00% 75 Months
3.25% 84 Months**
3.75% 120 Months**
4.50% 5 Year Balloon**

Watercraft, Snowmobiles, Trailers, Lawn & Garden Equipment and Other Secured Loans
APR*Maximum Term
4.00% Up to 24 Months
4.25% 48 Months
4.50% 60 Months

Other Personal Loans
Effective Date: Thursday, February 22nd, 2018
Account TypeAPR*% FinancedMaximum Term
Share Secured Rate + 3.50% 100.00% 120 Months
CD Secured CD Rate + 3.50% 100.00% Term of the CD

* APR = Annual Percentage Rate based on secured collateral 2010 and newer (not including loan specials) and is subject to change. Separate rates available for refinancing for existing FinancialEdge loans. Actual rate will be based on applicant’s creditworthiness and may vary from that shown. Not all members will qualify. Check with the loan department for additional terms and current loan rates.

** Loans with a term of 84 months or more require a minimum of $20,000 borrowed. 5 year balloon loans are generally offered for boats, RVs, travel trailers and classic vehicles when $20,000 or more is financed. Maximum term to amoritize balloon loans is 180 months.

Deposit Rates

Deposit Account Rates

Savings Accounts
Effective Date: Thursday, February 22nd, 2018
Account TypeInterest Rate*APY*Minimum Opening BalanceMinimum Balance for DividendDiv. Period Compounded & Credited
MyLife Savings
Qualifying:
$0.01 - $10,000.00
1.00% 1.00% N/A N/A Monthly
Qualifying:
$10,000.01 or more
0.05% 0.05% - 1.00% N/A N/A Monthly
Non-Qualifying 0.05% 0.05% N/A N/A Monthly

________________________________________________________________

Member Savings 0.05% 0.05% $5.00 $25 Quarterly
Christmas Club 0.05% 0.05% $0.00 $25 Quarterly
Secondary Savings 0.05% 0.05% $0.00 $25 Quarterly
Kirby Kids Club 1.05% 1.05% $5.00 $25 Quarterly
Elements Teen Club 1.05% 1.05% $5.00 $25 Quarterly

Checking Accounts
Effective Date: Thursday, February 22nd, 2018
Account TypeInterest RateAPY*Minimum Opening BalanceMinimum Balance for DividendDiv. Period Compounded & Credited
My Life Earns Interest
Qualifying:
$0.01 - $10,000.00
1.99% 2.00% N/A N/A Monthly
Qualifying:
$10,000.01 or more
.05% .05 - 2.00% N/A N/A Monthly
Non-Qualifying .01% .01% N/A N/A Monthly

High Yield Accounts
Effective Date: Thursday, February 22nd, 2018
Account TypeInterest RateAPY*Minimum Opening BalanceMinimum Balance for DividendDiv. Period Compounded & Credited
High Yield 2.5
$0.00 - $2,499.99 0.00% 0.00% $2,500.00 $2,500 Monthly
$2,500 - $9,999.99 0.20% 0.20% $2,500.00 $2,500 Monthly
$10,000 - $24,999.99 0.23% 0.23% $2,500.00 $2,500 Monthly
$25,000 and up 0.25% 0.25% $2,500.00 $2,500 Monthly
High Yield 25
$0.00 - $24,999.99 0.00% 0.00% $25,000.00 $25,000 Monthly
$25,000 - $49,999.99 0.30% 0.30% $25,000.00 $25,000 Monthly
$50,000 - $74,999.99 0.33% 0.33% $25,000.00 $25,000 Monthly
$75,000 and up 0.35% 0.35% $25,000.00 $25,000 Monthly
High Yield 75
$0.00 - $74,999.99 0.00% 0.00% $75,000.00 $75,000 Monthly
$75,000 - $99,999.99 0.35% 0.35% $75,000.00 $75,000 Monthly
$100,000 - $149,999.99 0.40% 0.40% $75,000.00 $75,000 Monthly
$150,000 - $199,999.99 0.45% 0.45% $75,000.00 $75,000 Monthly
$200,000 and up 0.45% 0.45% $75,000.00 $75,000 Monthly

IRA Savings
Effective Date: Thursday, February 22nd, 2018
Account TypeRateAPY*Minimum Opening BalanceMin. Required Balance for Div./Int.Div. Period Compounded & Credited
Traditional and Roth
$0.00 - $99.99 0.00% 0.00% $100.00 $100.00 Monthly
$100 - $9,999.99 0.20% 0.20% $100.00 $100.00 Monthly
$10,000 - $49,999.99 0.25% 0.25% $100.00 $100.00 Monthly
$50,000 - $99,999.99 0.30% 0.30% $100.00 $100.00 Monthly
$100,000 and up 0.35% 0.35% $100.00 $100.00 Monthly

Certificates of Deposit
Effective Date: Thursday, February 22nd, 2018
TermRateAPY*Minimum Opening BalanceMin. Required Balance for Div./Int.Div. Period Compounded & Credited

6 Month

0.35% 0.35% $1,000.00 $1,000.00 Monthly

12 Month

0.50% 0.50% $1,000.00 $1,000.00 Monthly

18 Month

0.65% 0.65% $1,000.00 $1,000.00 Monthly

23 Month - Special

1.24% 1.25% $1,000.00 $1,000.00 Monthly

24 Month

0.75% 0.75% $1,000.00 $1,000.00 Monthly

36 Month

1.00% 1.00% $1,000.00 $1,000.00 Monthly

48 Month

1.24% 1.25% $1,000.00 $1,000.00 monthly

54 Month - Special

1.83% 1.85% $1,000.00 $1,000.00 Monthly

60 Month

1.49% 1.50% $1,000.00 $1,000.00 Monthly

*APY = Annual Percentage Yield. Minimum balance required to open the account. Interest calculated by the daily balance method.

** Rates fixed for the term of the certificate. A penalty may be imposed for early withdrawal. Minimum balance $100 for minors. Save To Win minimum balance $25.

Business Rates

Business Center

Business Accounts
Effective Date: Thursday, February 22nd, 2018
Account TypeRateAPY*Minimum Opening BalanceMin. Required Balance for Div./Int.Div. Period Compounded & Credited
Member Business Savings 0.05% 0.05% $5.00 $25.00 Quarterly
Essential 200 Checking N/A N/A N/A $0.00 N/A
Freedom 400 Checking N/A N/A N/A $0.00 N/A
Premium 500 Checking
$0 - $9,999.99 0.00% 0.00% N/A $10,000.00 Quarterly
$10,000 - $24,999.99 0.10% 0.10% N/A $10,000.00 Quarterly
$25,000 - $49,999.99 0.15% 0.15% N/A $10,000.00 Quarterly
$50,000 - $99,999.99 0.20% 0.20% N/A $10,000.00 Quarterly
$100,000 - $249,999.99 0.25% 0.25% N/A $10,000.00 Quarterly
$250,000 and up 0.30% 0.30% N/A $10,000.00 Quarterly
Business High Yield Savings
$0 - $2,499.99 0.00% 0.00% $5,000.00 $5,000.00 Monthly
$2,500 - $24,999.99 0.20% 0.20% $5,000.00 $5,000.00 Monthly
$25,000 - $49,999.99 0.30% 0.30% $5,000.00 $5,000.00 Monthly
$50,000 - $99,999.99 0.35% 0.35% $5,000.00 $5,000.00 Monthly
$100,000 - $249,999.99 0.35% 0.35% $5,000.00 $5,000.00 Monthly
$250,000 and up 0.40% 0.40% $5,000.00 $5,000.00 Monthly

*APY = Annual Percentage Yield. Subject to change.

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