View current dividend rates and loan rates.
View current dividend rates and loan rates.
| Tier | Minimum Balance |
|---|---|
| Tier 1 - QBOOST CHECKING | $0.00 |
| Tier 2 - QBOOST CHECKING | $5,000.01 |
| Tier | Rate1 |
|---|---|
| Tier 1 - QBOOST CHECKING | 3.93% |
| Tier 2 - QBOOST CHECKING | 0.50% |
| Tier | APY2 |
|---|---|
| Tier 1 - QBOOST CHECKING | 4.00% |
| Tier 2 - QBOOST CHECKING | 0.50% |
| Tier | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - QBOOST CHECKING | $0.00 | 3.93% | 4.00% |
| Tier 2 - QBOOST CHECKING | $5,000.01 | 0.50% | 0.50% |
| Tier | Minimum Balance |
|---|---|
| Tier 1 - QFLEX CHECKING | $0.00 |
| Tier 2 - QFLEX CHECKING | $10,000.00 |
| Tier | Rate1 |
|---|---|
| Tier 1 - QFLEX CHECKING | 0.01% |
| Tier 2 - QFLEX CHECKING | 1.24% |
| Tier | APY2 |
|---|---|
| Tier 1 - QFLEX CHECKING | 0.01% |
| Tier 2 - QFLEX CHECKING | 1.25% |
| Tier | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - QFLEX CHECKING | $0.00 | 0.01% | 0.01% |
| Tier 2 - QFLEX CHECKING | $10,000.00 | 1.24% | 1.25% |
APYs may change after accounts are opened. Minimum Balance is required to open the account and to obtain the APY shown. Fees could reduce earnings.
| Tier | Minimum Balance |
|---|---|
| Tier 1 - HIGHMARQ BY QUORUM | $0.00 |
| Tier 2 - HIGHMARQ BY QUORUM | $10,000.00 |
| Tier | Rate1 |
|---|---|
| Tier 1 - HIGHMARQ BY QUORUM | 0.00% |
| Tier 2 - HIGHMARQ BY QUORUM | 3.93% |
| Tier | APY2 |
|---|---|
| Tier 1 - HIGHMARQ BY QUORUM | 0.01% |
| Tier 2 - HIGHMARQ BY QUORUM | 4.00% |
| Tier | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - HIGHMARQ BY QUORUM | $0.00 | 0.00% | 0.01% |
| Tier 2 - HIGHMARQ BY QUORUM | $10,000.00 | 3.93% | 4.00% |
| Tier | Minimum Balance |
|---|---|
| Single - HIGHQ SAVINGS ACCOUNT | $0.00 |
| Tier | Rate1 |
|---|---|
| Single - HIGHQ SAVINGS ACCOUNT | 3.45% |
| Tier | APY2 |
|---|---|
| Single - HIGHQ SAVINGS ACCOUNT | 3.50% |
| Tier | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Single - HIGHQ SAVINGS ACCOUNT | $0.00 | 3.45% | 3.50% |
APYs may change after accounts are opened. Minimum Balance is required to open the account and to obtain the APY shown. Fees could reduce earnings.
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| Term | Minimum Balance |
|---|---|
| Tier 1 - 3 MONTH TERM ACCOUNT | $0.00 |
| Tier 2 - 3 MONTH TERM ACCOUNT | $100,000.00 |
| Term | Rate1 |
|---|---|
| Tier 1 - 3 MONTH TERM ACCOUNT | 1.74% |
| Tier 2 - 3 MONTH TERM ACCOUNT | 1.83% |
| Term | APY2 |
|---|---|
| Tier 1 - 3 MONTH TERM ACCOUNT | 1.75% |
| Tier 2 - 3 MONTH TERM ACCOUNT | 1.85% |
| Term | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - 3 MONTH TERM ACCOUNT | $0.00 | 1.74% | 1.75% |
| Tier 2 - 3 MONTH TERM ACCOUNT | $100,000.00 | 1.83% | 1.85% |
| Term | Minimum Balance |
|---|---|
| Tier 1 - 6 MONTH TERM ACCOUNT | $0.00 |
| Tier 2 - 6 MONTH TERM ACCOUNT | $100,000.00 |
| Term | Rate1 |
|---|---|
| Tier 1 - 6 MONTH TERM ACCOUNT | 2.23% |
| Tier 2 - 6 MONTH TERM ACCOUNT | 2.33% |
| Term | APY2 |
|---|---|
| Tier 1 - 6 MONTH TERM ACCOUNT | 2.25% |
| Tier 2 - 6 MONTH TERM ACCOUNT | 2.35% |
| Term | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - 6 MONTH TERM ACCOUNT | $0.00 | 2.23% | 2.25% |
| Tier 2 - 6 MONTH TERM ACCOUNT | $100,000.00 | 2.33% | 2.35% |
| Term | Minimum Balance |
|---|---|
| Tier 1 - 7 MONTH TERM ACCOUNT | $0.00 |
| Tier 2 - 7 MONTH TERM ACCOUNT | $100,000.00 |
| Term | Rate1 |
|---|---|
| Tier 1 - 7 MONTH TERM ACCOUNT | 4.12% |
| Tier 2 - 7 MONTH TERM ACCOUNT | 4.12% |
| Term | APY2 |
|---|---|
| Tier 1 - 7 MONTH TERM ACCOUNT | 4.20% |
| Tier 2 - 7 MONTH TERM ACCOUNT | 4.20% |
| Term | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - 7 MONTH TERM ACCOUNT | $0.00 | 4.12% | 4.20% |
| Tier 2 - 7 MONTH TERM ACCOUNT | $100,000.00 | 4.12% | 4.20% |
| Term | Minimum Balance |
|---|---|
| Tier 1 - 10 MONTH TERM ACCOUNT | $0.00 |
| Tier 2 - 10 MONTH TERM ACCOUNT | $100,000.00 |
| Term | Rate1 |
|---|---|
| Tier 1 - 10 MONTH TERM ACCOUNT | 4.02% |
| Tier 2 - 10 MONTH TERM ACCOUNT | 4.12% |
| Term | APY2 |
|---|---|
| Tier 1 - 10 MONTH TERM ACCOUNT | 4.10% |
| Tier 2 - 10 MONTH TERM ACCOUNT | 4.20% |
| Term | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - 10 MONTH TERM ACCOUNT | $0.00 | 4.02% | 4.10% |
| Tier 2 - 10 MONTH TERM ACCOUNT | $100,000.00 | 4.12% | 4.20% |
| Term | Minimum Balance |
|---|---|
| Tier 1 - 11 MONTH TERM ACCOUNT | $0.00 |
| Tier 2 - 11 MONTH TERM ACCOUNT | $100,000.00 |
| Term | Rate1 |
|---|---|
| Tier 1 - 11 MONTH TERM ACCOUNT | 4.07% |
| Tier 2 - 11 MONTH TERM ACCOUNT | 4.07% |
| Term | APY2 |
|---|---|
| Tier 1 - 11 MONTH TERM ACCOUNT | 4.15% |
| Tier 2 - 11 MONTH TERM ACCOUNT | 4.15% |
| Term | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - 11 MONTH TERM ACCOUNT | $0.00 | 4.07% | 4.15% |
| Tier 2 - 11 MONTH TERM ACCOUNT | $100,000.00 | 4.07% | 4.15% |
| Term | Minimum Balance |
|---|---|
| Tier 1 - 12 MONTH TERM ACCOUNT | $0.00 |
| Tier 2 - 12 MONTH TERM ACCOUNT | $100,000.00 |
| Term | Rate1 |
|---|---|
| Tier 1 - 12 MONTH TERM ACCOUNT | 2.47% |
| Tier 2 - 12 MONTH TERM ACCOUNT | 2.57% |
| Term | APY2 |
|---|---|
| Tier 1 - 12 MONTH TERM ACCOUNT | 2.50% |
| Tier 2 - 12 MONTH TERM ACCOUNT | 2.60% |
| Term | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - 12 MONTH TERM ACCOUNT | $0.00 | 2.47% | 2.50% |
| Tier 2 - 12 MONTH TERM ACCOUNT | $100,000.00 | 2.57% | 2.60% |
| Term | Minimum Balance |
|---|---|
| Tier 1 - 18 MONTH TERM ACCOUNT | $0.00 |
| Tier 2 - 18 MONTH TERM ACCOUNT | $100,000.00 |
| Term | Rate1 |
|---|---|
| Tier 1 - 18 MONTH TERM ACCOUNT | 2.72% |
| Tier 2 - 18 MONTH TERM ACCOUNT | 2.81% |
| Term | APY2 |
|---|---|
| Tier 1 - 18 MONTH TERM ACCOUNT | 2.75% |
| Tier 2 - 18 MONTH TERM ACCOUNT | 2.85% |
| Term | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - 18 MONTH TERM ACCOUNT | $0.00 | 2.72% | 2.75% |
| Tier 2 - 18 MONTH TERM ACCOUNT | $100,000.00 | 2.81% | 2.85% |
| Term | Minimum Balance |
|---|---|
| Tier 1 - 24 MONTH TERM ACCOUNT | $0.00 |
| Tier 2 - 24 MONTH TERM ACCOUNT | $100,000.00 |
| Term | Rate1 |
|---|---|
| Tier 1 - 24 MONTH TERM ACCOUNT | 2.96% |
| Tier 2 - 24 MONTH TERM ACCOUNT | 3.06% |
| Term | APY2 |
|---|---|
| Tier 1 - 24 MONTH TERM ACCOUNT | 3.00% |
| Tier 2 - 24 MONTH TERM ACCOUNT | 3.10% |
| Term | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - 24 MONTH TERM ACCOUNT | $0.00 | 2.96% | 3.00% |
| Tier 2 - 24 MONTH TERM ACCOUNT | $100,000.00 | 3.06% | 3.10% |
| Term | Minimum Balance |
|---|---|
| Tier 1 - 36 MONTH TERM ACCOUNT | $0.00 |
| Tier 2 - 36 MONTH TERM ACCOUNT | $100,000.00 |
| Term | Rate1 |
|---|---|
| Tier 1 - 36 MONTH TERM ACCOUNT | 2.96% |
| Tier 2 - 36 MONTH TERM ACCOUNT | 3.06% |
| Term | APY2 |
|---|---|
| Tier 1 - 36 MONTH TERM ACCOUNT | 3.00% |
| Tier 2 - 36 MONTH TERM ACCOUNT | 3.10% |
| Term | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - 36 MONTH TERM ACCOUNT | $0.00 | 2.96% | 3.00% |
| Tier 2 - 36 MONTH TERM ACCOUNT | $100,000.00 | 3.06% | 3.10% |
| Term | Minimum Balance |
|---|---|
| Tier 1 - 48 MONTH TERM ACCOUNT | $0.00 |
| Tier 2 - 48 MONTH TERM ACCOUNT | $100,000.00 |
| Term | Rate1 |
|---|---|
| Tier 1 - 48 MONTH TERM ACCOUNT | 4.07% |
| Tier 2 - 48 MONTH TERM ACCOUNT | 4.07% |
| Term | APY2 |
|---|---|
| Tier 1 - 48 MONTH TERM ACCOUNT | 4.15% |
| Tier 2 - 48 MONTH TERM ACCOUNT | 4.15% |
| Term | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - 48 MONTH TERM ACCOUNT | $0.00 | 4.07% | 4.15% |
| Tier 2 - 48 MONTH TERM ACCOUNT | $100,000.00 | 4.07% | 4.15% |
| Term | Minimum Balance |
|---|---|
| Tier 1 - 60 MONTH TERM ACCOUNT | $0.00 |
| Tier 2 - 60 MONTH TERM ACCOUNT | $100,000.00 |
| Term | Rate1 |
|---|---|
| Tier 1 - 60 MONTH TERM ACCOUNT | 4.07% |
| Tier 2 - 60 MONTH TERM ACCOUNT | 4.07% |
| Term | APY2 |
|---|---|
| Tier 1 - 60 MONTH TERM ACCOUNT | 4.15% |
| Tier 2 - 60 MONTH TERM ACCOUNT | 4.15% |
| Term | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - 60 MONTH TERM ACCOUNT | $0.00 | 4.07% | 4.15% |
| Tier 2 - 60 MONTH TERM ACCOUNT | $100,000.00 | 4.07% | 4.15% |
Term savings accounts are fixed-rate accounts. Dividends are compounded and paid monthly. A minimum deposit of $100 is required to open and earn the APY. A penalty will be imposed if funds are withdrawn prior to maturity date. Fees could reduce earnings. Term Account deposits of $100,000 or more earn an additional 0.10% APY to all Term Accounts except for the 7-, 11-, 48 - and 60-Month Term Accounts. Term Accounts will automatically roll over into the same term at the current rate at maturity with the exception of the 7- and 11-Month Term Accounts. These will automatically renew into a 12-Month Term Account at the current rate.
The 7-Month and 11-Month Term Accounts are for new money only. New money is funds from outside Quorum or funds deposited at Quorum within the last 14 days. Existing Quorum funds held for 14 days or more do not qualify. At maturity, the 7-Month and 11-Month Term Accounts will automatically renew into a 12-Month Term Account at the current rate.
| Account Name | Minimum Balance |
|---|---|
| Tier 1 - IRA Savings | $0.00 |
| Tier 2 - IRA Savings | $2,500.00 |
| Tier 3 - IRA Savings | $10,000.00 |
| Tier 4 - IRA Savings | $25,000.00 |
| Tier 5 - IRA Savings | $250,000.00 |
| Account Name | Rate1 |
|---|---|
| Tier 1 - IRA Savings | 0.45% |
| Tier 2 - IRA Savings | 0.45% |
| Tier 3 - IRA Savings | 0.70% |
| Tier 4 - IRA Savings | 1.19% |
| Tier 5 - IRA Savings | 1.69% |
| Account Name | APY2 |
|---|---|
| Tier 1 - IRA Savings | 0.45% |
| Tier 2 - IRA Savings | 0.45% |
| Tier 3 - IRA Savings | 0.70% |
| Tier 4 - IRA Savings | 1.20% |
| Tier 5 - IRA Savings | 1.70% |
| Account Name | Minimum Balance | Rate1 | APY2 |
|---|---|---|---|
| Tier 1 - IRA Savings | $0.00 | 0.45% | 0.45% |
| Tier 2 - IRA Savings | $2,500.00 | 0.45% | 0.45% |
| Tier 3 - IRA Savings | $10,000.00 | 0.70% | 0.70% |
| Tier 4 - IRA Savings | $25,000.00 | 1.19% | 1.20% |
| Tier 5 - IRA Savings | $250,000.00 | 1.69% | 1.70% |
IRA savings accounts are variable dividend rate accounts. APYs may change after accounts are opened. Minimum Balance is required to open the account and to obtain the APY shown. Fees could reduce earnings.
| Account Name | Rate1 |
|---|---|
| Loan - First Lien HELOC | 6.70% |
| Account Name | Rate1 |
|---|---|
| Loan - First Lien HELOC | 6.70% |
| Account Name | Rate1 |
|---|---|
| Loan - Renovation HELOC | 6.62% |
| Account Name | Rate1 |
|---|---|
| Loan - Renovation HELOC | 6.62% |
| Account Name | Rate1 |
|---|---|
| Loan - Second Lien HELOC | 6.62% |
| Account Name | Rate1 |
|---|---|
| Loan - Second Lien HELOC | 6.62% |
| Account Name | Rate1 |
|---|---|
| Loan - Second Lien Investment HELOC | 9.88% |
| Account Name | Rate1 |
|---|---|
| Loan - Second Lien Investment HELOC | 9.88% |
| Account Name | Rate1 |
|---|---|
| Loan - Fixed-Rate Home Equity Loan | N/A |
| Account Name | Rate1 |
|---|---|
| Loan - Fixed-Rate Home Equity Loan | N/A |
| Account Name | Rate1 |
|---|---|
| Loan - Bridge Loan HELOC (1st lien) | 8.87% |
| Account Name | Rate1 |
|---|---|
| Loan - Bridge Loan HELOC (1st lien) | 8.87% |
| Account Name | Rate1 |
|---|---|
| Loan - Overdraft Line-of-Credit (Checking Reserve) | 13.40% |
| Account Name | Rate1 |
|---|---|
| Loan - Overdraft Line-of-Credit (Checking Reserve) | 13.40% |
| Account Name | Rate1 |
|---|---|
| Loan - Undergraduate Private Education Line-of-Credit | 9.50% |
| Account Name | Rate1 |
|---|---|
| Loan - Undergraduate Private Education Line-of-Credit | 9.50% |
| Account Name | Rate1 |
|---|---|
| Loan - 1st Mortgage/Co-Op Loan | N/A |
| Account Name | Rate1 |
|---|---|
| Loan - 1st Mortgage/Co-Op Loan | N/A |
| Account Name | APR1 |
|---|---|
| Loan - Cash Back World Mastercard® | 12.40% |
| Account Name | APR1 |
|---|---|
| Loan - Cash Back World Mastercard® | 12.40% |
| Account Name | APR1 |
|---|---|
| Loan - World Mastercard® | 12.40% |
| Account Name | APR1 |
|---|---|
| Loan - World Mastercard® | 12.40% |
| Account Name | APR1 |
|---|---|
| Loan - RateWise Mastercard® | 11.40% |
| Account Name | APR1 |
|---|---|
| Loan - RateWise Mastercard® | 11.40% |
Quorum Credit Union exceeds the minimum financial standards regulators require for a credit union to be considered well-capitalized. Our net worth remains at well-capitalized levels and Quorum has consistently maintained healthy levels of capital and liquidity, even through the most challenging of economic times.
Your Quorum accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Depending on how your accounts are owned and what types of accounts you have, you can potentially increase the total insurance on your funds to greater than $250,000.
The Share Insurance Estimator, found here, can help you determine whether your accounts are established and insured appropriately. If you have already utilized the Share Insurance Estimator and still have additional questions, you can also reach out to the NCUA Consumer Assistance Center at (800) 755-1030. Representatives are available from Monday through Friday from 8 a.m. – 5 p.m. ET. You can also send an email with your questions to dcamail@ncua.gov.
If you have more than $250,00 in deposits and are concerned that your savings may not be fully insured by the NCUA, you can check the Share Insurance Estimator here to understand what is insured and what portion (if any) exceeds coverage limits.
Depending on how your accounts are owned and what types of accounts you have, you can potentially increase the total insurance on your funds to greater than $250,000 through multiple account owners or trusts with beneficiaries.
MyCreditUnion.gov contains more information about the National Credit Union Share Insurance Fund coverage for consumers.
Opening a new personal savings account is easy when you use online banking!
For Members:
1. Log in to online banking from our home page.
2. Click on “Checking/Savings” under Open.
3. Select the product(s) you wish to open, then follow the prompts to complete the application.
For Non-Members:
If you would like to open a new IRA (individual retirement account) or need personal assistance with your online savings account, please contact our Member Service Team at (800) 874-5544, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET.
Visit our Savings page to learn about all the savings accounts that Quorum offers. Get more financial education by reading our Learning Hub articles.
As with all depository institutions (savings and commercial banks, credit unions and loans and savings associations), the APY on a traditional savings accounts is variable and closely linked to the Federal Funds Rate set by the Federal Reserve. Dividend Rates can go up when the economy is doing well, and they can go down when the economy weakens. Quorum closely monitors Federal rates and looks for ways to remain competitive.
APY is the amount of dividends you earn on money you deposit into a savings accounts (including high-yield savings accounts), over the course of a year. How often dividends are compounded is also figured into the APY.
If you are considering two or more bank accounts for your savings, it pays to compare the APY on each for the full picture on how much your money and account balance can earn over a year.
What is the significance of the APY? In its simplest form, the higher the APY, the more money you earn. If you have $25,000 invested in a one-year term account with a 2.86% APY, at the end of the year, you will have earned $715. With a 2.50% APY, your return would be $625.
You may see a higher annual percentage yield (APY) on accounts that have a higher minimum deposit and a longer commitment for how long you must keep the money in the savings account. Be sure to familiarize yourself with the terms and conditions of any bank account you open.
Dividends are essentially credit-union-speak for interest. It’s the money we pay you for leaving your deposits with us.
Mortgages are bought and sold by investors on the Secondary Market. Rates are determined by the amount for which an investor is willing to purchase your mortgage.
For our most current mortgage rates, please visit our Mortgage Page to submit a contact request.
Unfortunately, we do not offer this service at this time. Please visit our Mortgage Page to submit a contact request and one of our Mortgage Experts will reach out to you to review our current rates and answer any other questions you may have.
“New money” savings promotions are run from time to time on term accounts or other savings products. We define new money as any new funds on deposit two weeks or less with the Credit Union. We count the two weeks from the start of when those funds become available, not the date they are deposited.
As with any other Term Savings or CD accounts, you’ll need to fund your account at the time of application. You can’t add additional funds to your term account once your account is opened. If you don’t already have the funds in one of your Quorum accounts, you can easily transfer funds from your other bank accounts into any one of your Quorum accounts. You’ll want to do this first before you open a term account.
A hard pull or soft pull can occur when you open a new checking or savings accounts from an online banking, credit union, or financial institution. A hard pull (which typically happens when a lender checks your credit report to make a lending decision; for instance, when applying for a mortgage) can (temporarily) slightly lower your credit score, and will typically stay on your credit report for two years. A soft pull, on the other hand, is an inquiry performed by a financial institution on your credit report, but does not affect your credit score in any way.
When Quorum reviews a checking or savings account application, we may perform a soft pull on an applicant’s credit report through one of the three major credit reporting agencies (TransUnion, Experian, Equifax) for verification purposes, and also run the name through ChexSystems to see if there is a report in their system. Neither of these actions will impact an applicant’s credit score in any way.
Please contact us by filling out our contact form. One of our Mortgage Experts will reach out to review our current mortgage rates and answer any other questions you may have.
Visit our Fees page for the most up-to-date information.
While banks (including online banks) are public, profit-driven companies designed to make money for shareholders, online credit unions are not-for-profit, cooperative financial institutions operated by members and based entirely on the web.
In an online credit union like Quorum, profits are returned to members in the form of low fees for financial products and services. A shared sense of community provides members with peace of mind and a connection to something larger than themselves, as well as loyalty and service to other members.
Online credit unions are carefully regulated and are a safe place to store your money. Just like the Federal Deposit Insurance Corporation (FDIC) insures banks, the National Credit Union Administration (NCUA) insures credit unions.
1Savings Rate: In effect as of 07/09/26 and subject to change.
2Annual percentage yield (APY) and rate are in effect as of 07/09/26.
3HighQ Savings: Annual percentage yield (APY) and dividend rate are in effect as of 02/10/26. There is no minimum balance to open or maintain HighQ Savings. There are no monthly fees as long as you register for and maintain e-Statements. If you choose to receive paper statements, there will be a $10 monthly fee.
4HighMarq Savings: Annual percentage yield (APY) in effect as of 02/10/26. APY may change after account is opened and any fees could reduce earnings. There is no minimum balance to open or maintain HighMarq Savings. The minimum average daily balance to earn the advertised APY is $10,000. There are no monthly fees as long as you register for and maintain e-Statements. If you choose to receive paper statements, there will be a $10 monthly fee.
5APR: Annual Percentage Rate in effect as of 01/01/2025 and subject to change.
6First Lien HELOC: The Annual Percentage Rate (APR) is as of 12/11/2025 and subject to change. The Floor Rate is 4.95%. Maximum APR is 18.00%. The APR is a variable rate and is based on an index (Prime rate as published in The Wall Street Journal) plus a margin. The margin is determined based on credit history, loan amount and loan-to-value (LTV) ratio. Rate will not increase or decrease more than 2% annually. A home equity line-of-credit is secured by the member’s home and is available only for 1-4. family residential properties and condominiums, excluding co-ops. Minimum line-of-credit amount: $50,000.00. No draw required at closing. No application or termination fees. Appraisal fee varies. No pre-payment penalty. Mortgage tax may apply in some states. This Home Equity Line of Credit is not available in TX. All loans are subject to credit approval. Fees are due at closing and debited from the HELOC (except appraisal fee, if applicable, due at time of application). Additional fees for HELOCs, including all lender fees, origination fees and third-party fees will be passed to the borrower. Click here for the Fee Schedule.
7Renovation HELOC: The Annual Percentage Rate (APR) is as of 12/11/2025 and subject to change. The Floor Rate is 4.95%. Maximum APR is 18.00%. The APR is a variable rate, plus or minus a margin, and is based on the Prime rate (index – as published in The Wall Street Journal) plus a margin. The margin is determined based on credit history, loan amount and combined loan-to-value (CLTV) ratio. Rate will not increase or decrease more than 2% annually. A home equity line-of-credit is secured by the member’s home and is available only for 1-2 family residential properties and condominiums, excluding co-ops. Minimum line-of-credit amount: $50,000. No draw required at closing. No application or termination fees; appraisal fee varies. Click here for the Fee Schedule. No pre-payment penalty. Mortgage tax may apply in some states. This Home Equity Line-of-Credit is not available in TX. All loans are subject to credit approval.
8Second Lien HELOC: The Annual Percentage Rate (APR) is as of 12/11/2025 and subject to change. The Floor Rate is 4.95%. Maximum APR is 18.00%. The APR is a variable rate, plus or minus a margin, and is based on the Prime rate (index – as published in The Wall Street Journal) plus a margin. The margin is determined based on credit history, loan amount and combined loan-to-value (CLTV) ratio. Rate will not increase or decrease more than 2% annually. A home equity line-of-credit is secured by the member’s home and is available only for 1-4 family residential properties and condominiums, excluding co-ops. Minimum line-of-credit amount: $25,000.00. No draw required at closing. No application, or termination fees; appraisal fee varies. No pre-payment penalty. Mortgage tax may apply in some states. This Home Equity Line of Credit is not available in TX. All loans are subject to credit approval. Fees are due at closing and debited from the HELOC (except appraisal fee, if applicable, due at time of application). Additional fees for HELOCs, including all lender fees, origination fees and third-party fees will be passed to the borrower. Click here for the Fee Schedule.
9Second Lien Investment HELOC: The Annual Percentage Rate (APR) is as of 12/11/2025 and subject to change. The Floor Rate is 4.95%. Maximum APR is 18.00%. The APR is a variable rate, plus or minus a margin, and is based on the Prime rate (index – as published in The Wall Street Journal). The margin is determined based on credit history, loan amount and combined loan-to-value (CLTV) ratio. Rate will not increase or decrease more than 2% annually. A home equity line-of-credit is secured by the member’s home and is available only for 1 family residential properties and condominiums, excluding co-ops. Minimum line-of-credit amount: $50,000. No draw required at closing. No application or termination fees; appraisal fee varies. Click here for the Fee Schedule. No pre-payment penalty. Mortgage tax may apply in some states. This Home Equity Line-of-Credit is not available in TX. All loans are subject to credit approval.
10Fixed-Rate Home Equity Loan Rates and APR: A home equity loan is secured by the member’s home and is available only for 1-2 family residential properties and condominiums, excluding co-ops. Minimum loan amount: $50,000. No application, or termination fees; appraisal fee varies. No pre-payment penalty. Mortgage tax may apply in some states. Available in all 50 states except Texas. All loans are subject to credit approval. Fees are due at closing and debited from the home equity loan. Additional fees for standalone second mortgages, including appraisal, flood, and title report, will be passed to the borrower.
11Bridge Loan HELOC (1st Lien): The Annual Percentage Rate (APR) is as of 12/11/2025 and subject to change. The Floor Rate is 6.95%. Maximum APR is 18.00%. The APR is a variable rate, plus a margin, and is based on the Prime rate (index – as published in The Wall Street Journal). The margin is determined based on credit history, loan amount and loan-to-value (LTV) ratio. Rate will not increase or decrease more than 2% annually. A home equity line-of-credit is secured by the member’s home and is available only for 1 family residential properties and condominiums, excluding co-ops. Minimum line-of-credit amount: $50,000.00. No draw required at closing. No application or termination fees. Appraisal fee varies. No pre-payment penalty. Mortgage tax may apply in some states. This Home Equity Line of Credit is not available in TX. All loans are subject to credit approval. Fees are due at closing and debited from the HELOC (except appraisal fee, if applicable, due at time of application). Additional fees for HELOCs, including all lender fees, origination fees and third-party fees will be passed to the borrower. Click here for the Fee Schedule.
12Undergraduate Private Education Line-of-Credit: Effective Date 01/01/26. All loans subject to approval and restrictions may apply. We reserve the right to change rates for new applications at any time and without notice. Credit union membership and a minimum share deposit is required. The Annual Percentage Rate is subject to increase after consummation. The interest rate will be adjusted quarterly, based on changes to the Index. The APR will not exceed 18.00% or fall below the Floor rate regardless of the Index or any additional rate discount. Any increase in the Index may increase the APR and the amount of your monthly payment. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). Margin will be disclosed at account opening. Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate. Rate reflects a 0.25% discount for autopay during repayment only. Student Lending Center additional disclosures are here.
13QBoost Checking: Annual Percentage Yield (APY) is in effect as of 08/13/25 and subject to change. You must establish and maintain monthly direct deposits with an aggregate balance of $500 AND conduct at least ten debit card transactions per month in order to earn the APY and dividend rate. Balances up to $5,000 earn 4.00% APY (3.93% dividend rate). Balances above $5,000 earn 0.50% APY (0.49% dividend rate). If you do not meet the requirements to earn the dividend rate, your balances will earn 0.01% APY (0.01% dividend rate). Dividends are paid on all funds on deposit and are posted monthly. This is a variable rate account.
14QFlex Checking: Annual Percentage Yield (APY) is in effect as of 08/13/25 and subject to change. You must maintain a minimum monthly balance of $10,000 in order to earn this APY and rate. Balances under $10,000 will earn the Basic Savings APY and rate. This is a variable rate account.
15Credit Cards: Annual Percentage Rate in effect as of 01/01/26 and subject to change. 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 may increase as well. There is no monthly service charge. For full rate and fee information on our credit cards: