Credit Card Rates
| Loan Type | Term | Rate Type | Rate Formula | Daily Periodic Rate | Annual Percentage Rate |
|---|
| Cash Back World, World MasterCard, and World Elite MasterCard (No Annual Fee) | Revolving | Variable | Prime Rate + 5.65% | 0.030548% | 11.15% |
| | | Prime Rate + 6.65% | 0.033288% | 12.15% |
| | | Prime Rate + 8.65% | 0.038767% | 14.15% |
| | | Prime Rate + 15% | 0.049315% | 18.00% |
| RateWise MasterCard (No Annual Fee) | Revolving | Variable | Prime Rate + 4.65% | 0.027808% | 10.15% |
| | | Prime Rate + 5.65% | 0.030548% | 11.15% |
| | | Prime Rate + 7.65% | 0.036027% | 13.15% |
| | | Prime Rate + 12% | 0.047945% | 17.50% |
| | | Prime Rate + 15% | 0.049315% | 18.00% |
Cash Back World, World MasterCard, and World Elite MasterCard (No Annual Fee)
| Term | Revolving |
| Rate Type | Variable |
| Rate Formula | Prime Rate + 5.65% |
| Daily Periodic Rate | 0.030548% |
| Annual Percentage Rate | 11.15% |
| Term | Revolving |
| Rate Type | Variable |
| Rate Formula | Prime Rate + 6.65% |
| Daily Periodic Rate | 0.033288% |
| Annual Percentage Rate | 12.15% |
| Term | Revolving |
| Rate Type | Variable |
| Rate Formula | Prime Rate + 8.65% |
| Daily Periodic Rate | 0.038767% |
| Annual Percentage Rate | 14.15% |
| Term | Revolving |
| Rate Type | Variable |
| Rate Formula | Prime Rate + 15% |
| Daily Periodic Rate | 0.049315% |
| Annual Percentage Rate | 18.00% |
RateWise MasterCard (No Annual Fee)
| Term | Revolving |
| Rate Type | Variable |
| Rate Formula | Prime Rate + 4.65% |
| Daily Periodic Rate | 0.027808% |
| Annual Percentage Rate | 10.15% |
| Term | Revolving |
| Rate Type | Variable |
| Rate Formula | Prime Rate + 5.65% |
| Daily Periodic Rate | 0.030548% |
| Annual Percentage Rate | 11.15% |
| Term | Revolving |
| Rate Type | Variable |
| Rate Formula | Prime Rate + 7.65% |
| Daily Periodic Rate | 0.036027% |
| Annual Percentage Rate | 13.15% |
| Term | Revolving |
| Rate Type | Variable |
| Rate Formula | Prime Rate + 12% |
| Daily Periodic Rate | 0.047945% |
| Annual Percentage Rate | 17.50% |
| Term | Revolving |
| Rate Type | Variable |
| Rate Formula | Prime Rate + 15% |
| Daily Periodic Rate | 0.049315% |
| Annual Percentage Rate | 18.00% |
Variable Rate Loans:For Savings Secured Loans the Annual Percentage Rate (APR) for all advances on all existing balances will be subject to change on the first day of each month based on the Basic Savings rate published monthly. For Credit Card Loans, the rate is based on your creditworthiness. The APR will vary with the market based on the Prime Rate. The maximum interest rate will never exceed the rate permitted under the Federal Credit Union Act (currently, this maximum is 18%). If your rate increases, additional payments will be required. For Overdraft Line-of-Credit (Checking Reserve), rates are subject to change. Fixed Home Equity Loan rate reflects a 0.25% discount for direct deposit. Undergraduate Private Education Line-of-Credit Loan rate reflects a 0.25% discount for auto-pay during repayment only. Quorum is an equal housing lender.
Banking Rates
| Account Type | Term | Rate Type | Minimum Balance | Dividend - Annual Percentage Yield | Dividend Rate |
|---|
| Checking Rewards | N/A | Variable | None | 0.10% | 0.10% |
| QChoice | N/A | Variable | $0 - $19,999 | 0.10% | 0.10% |
| | | $20,000 and over | 0.25% | 0.25% |
| HighQ | N/A | Variable | None | 1.75% | 1.74% |
| Basic Savings | N/A | Variable | $5 | 0.05% | 0.05% |
| Name-Your-Own-Savings | N/A | Variable | None | 0.05% | 0.05% |
| Holiday Club | Disbursed each October | Variable | None | 0.05% | 0.05% |
| Money Management | N/A | Variable | $0 - $2,499 | 0.05% | 0.05% |
| | | $2,500 - $9,999 | 0.10% | 0.10% |
| | | $10,000 - $24,999 | 0.20% | 0.20% |
| | | $25,000 - $99,999 | 0.65% | 0.65% |
| | | $100,000 -$249,999 | 0.85% | 0.85% |
| | | $250,000 and over | 1.00% | 1.00% |
| IRA Savings | N/A | Variable | $0 - $2,499 | 0.05% | 0.05% |
| | | $2,500 - $9,999 | 0.10% | 0.10% |
| | | $10,000 - $24,999 | 0.20% | 0.20% |
| | | $25,000 - $99,999 | 0.30% | 0.30% |
| | | $100,000 and over | 0.40% | 0.40% |
| Term Savings & IRA Term | 3 Months | Fixed | $1,000 | 0.25% | 0.25% |
| 6 Months | | | 0.50% | 0.50% |
| 12 Months | | | 2.60% | 2.57% |
| 18 Months | | | 2.65% | 2.62% |
| 24 Months | | | 2.70% | 2.67% |
| 36 Months | | | 2.75% | 2.72% |
| 48 Months | | | 2.80% | 2.76% |
| 60 Months | | | 3.00% | 2.96% |
Checking Rewards
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | None |
| Dividend - Annual Percentage Yield | 0.10% |
| Dividend Rate | 0.10% |
QChoice
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | $0 - $19,999 |
| Dividend - Annual Percentage Yield | 0.10% |
| Dividend Rate | 0.10% |
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | $20,000 and over |
| Dividend - Annual Percentage Yield | 0.25% |
| Dividend Rate | 0.25% |
HighQ
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | None |
| Dividend - Annual Percentage Yield | 1.75% |
| Dividend Rate | 1.74% |
Basic Savings
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | $5 |
| Dividend - Annual Percentage Yield | 0.05% |
| Dividend Rate | 0.05% |
Name-Your-Own-Savings
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | None |
| Dividend - Annual Percentage Yield | 0.05% |
| Dividend Rate | 0.05% |
Holiday Club
| Term | Disbursed each October |
| Rate Type | Variable |
| Minimum Balance | None |
| Dividend - Annual Percentage Yield | 0.05% |
| Dividend Rate | 0.05% |
Money Management
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | $0 - $2,499 |
| Dividend - Annual Percentage Yield | 0.05% |
| Dividend Rate | 0.05% |
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | $2,500 - $9,999 |
| Dividend - Annual Percentage Yield | 0.10% |
| Dividend Rate | 0.10% |
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | $10,000 - $24,999 |
| Dividend - Annual Percentage Yield | 0.20% |
| Dividend Rate | 0.20% |
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | $25,000 - $99,999 |
| Dividend - Annual Percentage Yield | 0.65% |
| Dividend Rate | 0.65% |
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | $100,000 -$249,999 |
| Dividend - Annual Percentage Yield | 0.85% |
| Dividend Rate | 0.85% |
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | $250,000 and over |
| Dividend - Annual Percentage Yield | 1.00% |
| Dividend Rate | 1.00% |
IRA Savings
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | $0 - $2,499 |
| Dividend - Annual Percentage Yield | 0.05% |
| Dividend Rate | 0.05% |
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | $2,500 - $9,999 |
| Dividend - Annual Percentage Yield | 0.10% |
| Dividend Rate | 0.10% |
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | $10,000 - $24,999 |
| Dividend - Annual Percentage Yield | 0.20% |
| Dividend Rate | 0.20% |
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | $25,000 - $99,999 |
| Dividend - Annual Percentage Yield | 0.30% |
| Dividend Rate | 0.30% |
| Term | N/A |
| Rate Type | Variable |
| Minimum Balance | $100,000 and over |
| Dividend - Annual Percentage Yield | 0.40% |
| Dividend Rate | 0.40% |
Term Savings & IRA Term
| Term | 3 Months |
| Rate Type | Fixed |
| Minimum Balance | $1,000 |
| Dividend - Annual Percentage Yield | 0.25% |
| Dividend Rate | 0.25% |
| Term | 6 Months |
| Rate Type | Fixed |
| Minimum Balance | $1,000 |
| Dividend - Annual Percentage Yield | 0.50% |
| Dividend Rate | 0.50% |
| Term | 12 Months |
| Rate Type | Fixed |
| Minimum Balance | $1,000 |
| Dividend - Annual Percentage Yield | 2.60% |
| Dividend Rate | 2.57% |
| Term | 18 Months |
| Rate Type | Fixed |
| Minimum Balance | $1,000 |
| Dividend - Annual Percentage Yield | 2.65% |
| Dividend Rate | 2.62% |
| Term | 24 Months |
| Rate Type | Fixed |
| Minimum Balance | $1,000 |
| Dividend - Annual Percentage Yield | 2.70% |
| Dividend Rate | 2.67% |
| Term | 36 Months |
| Rate Type | Fixed |
| Minimum Balance | $1,000 |
| Dividend - Annual Percentage Yield | 2.75% |
| Dividend Rate | 2.72% |
| Term | 48 Months |
| Rate Type | Fixed |
| Minimum Balance | $1,000 |
| Dividend - Annual Percentage Yield | 2.80% |
| Dividend Rate | 2.76% |
| Term | 60 Months |
| Rate Type | Fixed |
| Minimum Balance | $1,000 |
| Dividend - Annual Percentage Yield | 3.00% |
| Dividend Rate | 2.96% |
****Term Account deposits of $100,000 or more earn an additional 0.10% APY, excluding the 60 month Term/IRA Accounts.****
Annual percentage yields/rates in effect as of 01/21/2019 and subject to change at any time.
