Savings Dividend Rates and Loan Rates

¹Savings Rate: In effect as of 05/05/25 and subject to change.

²Annual percentage yield (APY) and rate are in effect as of 05/05/25.

³HighQ Savings: Annual percentage yield (APY) and dividend rate are in effect as of 05/05/25. 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 05/05/25. 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.

⁶ First Lien HELOC:  The Annual Percentage Rate (APR) is as of 03/31/2025 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 03/31/2025 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 03/31/2025 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 03/31/2025 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 03/31/2025 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 04/01/2025. 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 01/23/25 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 01/23/25 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 01/01/2025 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:

• Cashback World Mastercard
• World Mastercard
• Ratewise Mastercard