Rates

Print this page

Savings

Savings Account

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 07/24/2024

eMax$ Online

Award Level APY APR
One-Star 1.00% 1.00%
Two-Star 2.02% 2.00%
Three-Star 3.04% 3.00%
Four-Star 5.11% 5.00%

APR = Annual Percentage Rate; APY = Annual Percentage Yield

Rates and terms subject to change without notice. As of 07/24/2024

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 07/24/2024

Certificate Account

Apply for Membership
Term APY APR
6 months 5.22% 5.10%
12 months 0.35% 0.35%
24 months (Step-Up)  0.55% 0.55%
36 months 0.75% 0.75%
60 months 4.07% 4.00%
SPECIAL    
11 months* 4.59% 4.50%
9 months 3.81% 3.75%

APY = Annual Percentage Yield; APR = Annual Percentage Rate

*The special 11-month Certificate may be opened for any amount equal to or greater than $500. Funds secured in this certificate must be derived from funds previously on deposit with an outside financial institution in like-titled personal or small business accounts, and must have been transferred via check, electronic deposit/transfer, or cash deposit no more than 30 days prior to the establishment of this special certificate account. 

Rates and terms subject to change without notice. As of 07/24/2024

IRAs

Term APY APR
Money Rate 0.15% 0.15%
6 months 0.10% 0.10%
12 months 0.25% 0.25%
24 months 2.00% 1.99%
36 months 0.65% 0.65%
60 months 0.75% 0.75%

APY = Annual Percentage Yield; APR = Annual Percentage Rate. Rates are subject to change without notice. Dividends begin accruing on the day of deposit and will be credited on the last day of each month (end of quarter for Share savings). Dividends are calculated using the Average Daily Balance computation method. This method applies a daily periodic rate to the principal in the account each day. If the account is closed before dividends are paid, the accrued dividend for that period will be forfeited. High-Yield Share Certificates and IRA Bonus Certificates - After a certificate account is opened, you may not make additions until maturity. You may not make withdrawals of the principal on a certificate account before maturity without penalty. You can withdraw earned dividends at any time during the life of the certificate without penalties. Penalties for early termination of an IRA Certificate do not include any state and/or federal penalties that may apply. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. IRAs are separately insured up to $250,000.

Rates and terms subject to change without notice. As of 07/24/2024

Credit Cards

Loans

Home Loans

Adjustable Rate Mortgages (ARMs)

Term Base Rate Initial APR*
1/1 ARM 5.150% 5.266%
3/1 ARM 5.400% 5.518%
5/1 ARM 5.850% 5.971%
7/1 ARM 6.600% 6.727%
10/1 ARM 7.200% 7.331%

*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, $890.00 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 6.500% 6.792%
15 Year 6.750% 6.959%
20 Year 7.000% 7.169%
30 Year 7.250% 7.382%

*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, $890.00 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 2nd Mortgage)

Term Base Rate

 

     
10 Year 7.500%  
15 Year 7.750%  
20 Year 8.000%  

Apply now for a home equity line of credit

 

IMPORTANT NOTE:

  • Initial rates are subject to adjustment based on overall Credit risk conditions i.e. Credit Scores, Credit History, etc.

Auto Loans

APPLY NOW

Auto Loan Rates

Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:
Loan Term Rate (APR)
  New & Used  
  2-Year 5.49% APR*
  3-Year 5.74% APR*
  4-Year 5.99% APR*
  5-Year 6.24% APR*
  6-Year 6.49% APR*
  7-Year 6.74% APR*

*APR = Annual Percentage Rate; APY = Annual Percentage Yield

 

Motorcycle, RV, & Boat Loan Rates

Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:

 

Loan Term Rate (APR)
  New & Used  
  3-Year 5.99% APR*
  4-Year 6.24% APR*
  5-Year 6.49% APR*
  6-Year 6.74% APR*
  7-Year 6.99% APR*

*APR = Annual Percentage Rate; APY = Annual Percentage Yield

Rates and terms subject to change without notice. As of 07/24/2024

Consumer Loans

Personal Loan

*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:
Term Rate (APR)
1-Year 10.24%
2-Year 10.49%
3-Year 10.74%
4-Year 10.99%
5-Year 11.24%

Balance Transfer Loan

*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:
Term Rate (APR)
1-Year 10.24%
2-Year 10.49%
3-Year 10.74%
4-Year 10.99%
5-Year 11.24%

Cash Draw

Term Rate (APR)
Open-Ended 8.99%

Share-Secured Loan

*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:
Term Rate (APR)
3-Year  
4-Year as low as 3.65% above Share Account rate 
5-Year  

 

Certificate-Secured Loan

*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:

Term

Rate (APR)
3-Year  
4-Year as low as 3.65% above High-Yield Certificate rate
5-Year  

Vacation Loan

*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:

 

Term Rate (APR)
1-Year 10.24%

 

Holiday

*Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. Rates as low as:

 

Term Rate (APR)
1-Year 10.24%

 

APR = Annual Percentage Rate

Rates and terms subject to change without notice. As of 07/24/2024

Union Initiation Fee Loans

APPLY NOW

 

Term

 

Rate (APR)

2-Year 10.24%*
3-Year 10.49%*

*APR = Annual Percentage Rate. Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness.

Rates and terms subject to change without notice. As of 07/24/2024

Musical Instruments Loans

APPLY NOW

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

Maximum Term Current Rate (APR*)
60 months as low as 9.25%

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

Maximum Term Current Rate (APR*)
240 months as low as 5.74%
*APR = Annual Percentage Rate.  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 07/24/2024