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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: Saturday, October 23rd, 2021
APR*Maximum Term
Auto Loans Secured - 2019 and Newer
As Low As 3.00 25 Months
As Low As 3.25 37 Months
As Low As 3.49 66 Months
As Low As 3.75 75 Months
As Low As 4.00 84 Months
Auto Loans Secured - 2018-2013
As Low As 3.25 25 Months
As Low As 3.49 37 Months
As Low As 3.49 66 Months
As Low As 4.00 75 Months
As Low As 5.00 84 Months
Auto Loans Secured - 2012- Older
As Low As 5.00 61 Months
Classic Vehicle Loans Secured
As Low As 4.50 61 Months
As Low As 4.75 73 Months
As Low As 5.00 84 Months
As Low As 5.25 121 Months

Motorcycles, ATVs, UTVs and Other Titled Secured Loans
Effective Date: Saturday, October 23rd, 2021
APR*Maximum Term
Secured - 2013 and Newer
As Low As 3.50 37 Months
As Low As 3.75 66 Months
As Low As 4.00 75 Months
As Low As 4.25 84 Months**
Secured - 2012 and Older
As Low As 5.25 66 Months
As Low As 5.75 75 Months
As Low As 6.25 84 Months

Personal Boats, RVs and Travel Trailers
Effective Date: Saturday, October 23rd, 2021
APR*Maximum Term
Secured - 2013 and Newer
As Low As 3.50 37 Months
As Low As 3.75 66 Months
As Low As 4.00 75 Months
As Low As 4.25 84 Months
As Low As 4.75 121 Months
As Low As 4.25 5 Year Balloon
Secured - 2012 and Older
As Low As 5.25 66 Months
As Low As 5.75 75 Months
As Low As 6.25 84 Months
As Low As 6.75 121 months
As Low As 6.50 5 Year Balloon

Personal Snowmobiles, Trailers, Jet Ski and Lawn & Garden Equipment Loans
APR*Maximum Term
Secured - 2013 and Newer
As Low As 4.50 25 Months
As Low As 4.75 49 Months
As Low As 5.00 61 Months
Secured - 2012 and Older
As Low As 5.50 25 Months
As Low As 5.75 49 Months
As Low As 6.00 61 Months

Personal Unsecured Loans
Effective Date: Saturday, October 23rd, 2021
Loan TypeInterest Rate*Maximum Term
Signature Loans As Low As 7.75% APR 25 Months
Signature Loans As Low As 8.00 36 Months
Signature Loans As Low As 8.50 43 Months
Signature Loans As Low As 8.75 61 Months
Revolving Loans 10.00% APR Open Term
MasterCard Low Rate As Low As 8.90% APR N/A
MasterCard Rewards As Low As 12.90 N/A
Credit Builder Loan
Credit Builder 15.00 24 Months

Other Personal Loans
Effective Date: Saturday, October 23rd, 2021
Account TypeAPR*% FinancedMaximum Term
Share Secured Rate + 3.50% 100.00% 121 Months
CD Secured CD Rate + 3.50% 100.00% CD term ( or rate will be adjusted to reflect new rate of CD if extended at maturity)

* APR = Annual Percentage Rate based on secured collateral 2013 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: Saturday, October 23rd, 2021
Account TypeInterest Rate*APY*Minimum Opening BalanceMinimum Balance for DividendDiv. Period Compounded & Credited
MyLife Savings
Qualifying:
$0.01 - $100,000.00
1.00% 1.00% N/A N/A Monthly
Qualifying:
$100,000.01 or more
0.02% 0.02% - 1.00% N/A N/A Monthly
Non-Qualifying 0.02% 0.02% N/A N/A Monthly

________________________________________________________________

Member Savings 0.02% 0.02% $5.00 $25 Quarterly
Christmas Club 0.02% 0.02% $0.00 $25 Quarterly
Secondary Savings 0.02% 0.02% $0.00 $25 Quarterly
Kirby Kids Club 0.52% 0.52% $5.00 $25 Quarterly
Elements Teen Club 0.52% 0.52% $5.00 $25 Quarterly

Checking Accounts
Effective Date: Saturday, October 23rd, 2021
Account TypeInterest RateAPY*Minimum Opening BalanceMinimum Balance for DividendDiv. Period Compounded & Credited
MyLife Gets Interest
  0.05% 0.05% $25.00 N/A Quarterly
MyLife Gets Premier Interest
   $1,500.00 or more 0.15% 0.15% $25.00 N/A Quarterly
   $0.01 - $1,499.99 .02% .02% $25.00 N/A Quarterly
MyLife Free Checking N/A N/A $25.00 N/A N/A

High Yield Accounts
Effective Date: Saturday, October 23rd, 2021
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 - $9,999.99 0.10% 0.10% $2,500.00 $2,500 Monthly
$10,000 - $24,999.99 0.12% 0.12%      
$25,000 and up 0.15% 0.15%      
High Yield 25
$0.00 - $24,999.99 0.00% 0.00%      
$25,000 - $49,999.99 0.15% 0.15% $25,000.00 $25,000 Monthly
$50,000 - $74,999.99 0.17% 0.17%      
$75,000 and up 0.20% 0.20%      
High Yield 75
$0.00 - $74,999.99 0.00% 0.00%      
$75,000 - $99,999.99 0.20% 0.20% $75,000.00 $75,000 Monthly
$100,000 - $149,999.99 0.25% 0.25%      
$150,000 - $199,999.99 0.30% 0.30%      
$200,000 and up 0.30% 0.30%      

IRA Savings
Effective Date: Saturday, October 23rd, 2021
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 - $9,999.99 0.10% 0.10% $100.00 $100.00 Monthly
$10,000 - $49,999.99 0.12% 0.12%      
$50,000 - $99,999.99 0.17% 0.17%      
$100,000 and up 0.20% 0.20%      

Certificates of Deposit
Effective Date: Saturday, October 23rd, 2021
TermRateAPY*Minimum Opening BalanceMin. Required Balance for Div./Int.Div. Period Compounded & Credited
6 Month 0.30% 0.30% $1,000.00 $1,000.00 Monthly

12 Month

0.40% 0.40% $1,000.00 $1,000.00 Monthly

18 Month

0.40% 0.40% $1,000.00 $1,000.00 Monthly

24 Month

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

36 Month

0.55% 0.55% $1,000.00 $1,000.00 Monthly
37 Month - Special 0.65% 0.65% $1,000.00 $1,000.00 Monthly

48 Month

0.60% 0.60% $1,000.00 $1,000.00 Monthly

60 Month

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

                    $100,000.00 Minimum CD Rates                    

6 Month

0.30% 0.30% $100,000.00 $100,000.00 Monthly

12 Month

0.40% 0.40% $100,000.00 $100,000.00 Monthly

18 Month

0.40% 0.40% $100,000.00 $100,000.00 Monthly

24 Month

0.50% 0.50% $100,000.00 $100,000.00 Monthly

36 Month

0.55% 0.55% $100,000.00 $100,000.00 Monthly

48 Month

0.60% 0.60% $100,000.00 $100,000.00 Monthly

60 Month

0.75% 0.75% $100,000.00 $100,000.00 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 Deposit Rates

Business Center

Business Accounts
Effective Date: Saturday, October 23rd, 2021
Account TypeRateAPY*Minimum Opening BalanceMin. Required Balance for Div./Int.Div. Period Compounded & Credited
Member Business Savings 0.02% 0.02% $5.00 $25.00 Quarterly
MyBusiness Gets Interest Checking 0.20% 0.20% $25.00 $0.00 Quarterly
MyBusiness Free Checking N/A N/A $25.00 $0.00 N/A
Business High Yield Savings
$0 - $2,499.99 0.00% 0.00%      
$2,500 - $24,999.99 0.10% 0.10% $2,500.00 $2,500.00 Monthly
$25,000 - $49,999.99 0.15% 0.15%      
$50,000 - $99,999.99 0.20% 0.20%      
$100,000 - $249,999.99 0.25% 0.25%      
$250,000 and up 0.30% 0.30%      

*APY = Annual Percentage Yield. Subject to change.

Mortgage Rates

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