Rates Effective 5/5/26
Share Savings
Your Share Savings Account is the foundation of membership at Connect Credit Union and provides a secure way to begin building your savings.
| Product | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
|
Share Savings Account
Establishes your membership and helps you save securely while maintaining convenient access to your funds. Minimum (ABD) average daily balance to earn dividends $100.00 |
$5.00 | 0.10% | 0.10% |
| Club Account | $5.00 | 0.10% | 0.10% |
| IRA2 Savings Account (Traditional & Roth) | $0.00 | 0.20% | 0.20% |
1APY = Annual Percentage Yield.
2An Annual Maintenance Fee applies to all IRA Accounts. Please see our Fee Schedule for current fees.
Accounts closed prior to month end forfeit all dividends for the month. Rates disclosed exclude Business or Organization Accounts - Call Credit Union for information.
Fees could reduce the earnings on the account. Share accounts are variable rate accounts and are subject to change without notice.
Federally insured by NCUA.
Checking
Your Checking Account is a dependable way to easily manage your daily finances.
| Product | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| Checking Account | $0.00 | 0.03% | 0.03% |
| eChecking Account $0.00 -$1,000.00 Must meet e-Checking requirements to qualify for dividends3. | $0.00 | 3.45% | 3.50% |
| eChecking Account $1,000.01 - $25,000.00 Must meet e-Checking requirements to qualify for dividends3. | $0.00 | 3.45% | 3.50% |
| eChecking Account $25,000.01 & Up Must meet e-Checking requirements to qualify for dividends3. | $0.00 | 0.05% | 0.05% |
1APY = Annual Percentage Yield.
3If Requirements are not met, APY is 0.00%. Requirements are that the account must have at least one (1) direct deposit of at least $250 post to your savings or checking account each month,
be enrolled in Online Banking with E-Statements, & have twelve (12) VISA Signature POS transactions post to your account each month.
Federally insured by NCUA.
Certificates & IRA Certificates
A Certificate of Deposit (CD) is a smart & safe way to grow your savings.
| Term | Minimum Deposit | Dividend Rate | APY* |
|---|---|---|---|
| 6 Months | $1,000 | 3.30% | 3.35% |
| 12 Months | $1,000 | 3.20% | 3.24% |
| 24 Months | $1,000 | 3.05% | 3.09% |
| 36 Months | $1,000 | 3.05% | 3.09% |
| 60 Months | $1,000 | 3.05% | 3.09% |
| 6 Months Jumbo | $20,000 | 3.35% | 3.40% |
| 12 Months Jumbo | $20,000 | 3.25% | 3.29% |
| 24 Months Jumbo | $20,000 | 3.10% | 3.14% |
| 36 Months Jumbo | $20,000 | 3.10% | 3.14% |
| 60 Months Jumbo | $20,000 | 3.10% | 3.14% |
1APY = Annual Percentage Yield.
5If the certificate is redeemed prior to Maturity Date, the penalty shall be equal to all the interest earned on the amount withdrawn prior to the maturity date,
or an amount equal to 90 days interest at the certificate rate. The penalty is calculated as a forfeiture of part or all of the interest that has been earned on the account.
Fees could reduce the earnings on the account. Advertised Rates are subject to change without notice
Federally insured by NCUA.
Money Market
A Money Market Account is a great way to keep your savings accessible while earning dividends.
| Product | Minimum Deposit | Dividend Rate | APY* |
|---|---|---|---|
| $2,500 - $9,999 $2,500 minimum ADB2 to earn. | $0.00 | 1.00% | 1.00 |
| $10,000 - $24,999 $10,000 minimum ADB2 to earn. | $10,000 | 1.10% | 1.10% |
| $25,000 - $49,999 $25,000 minimum ADB2 to earn. | $25,000 | 1.15% | 1.15% |
| $50,0000 - $99,999 $50,000 minimum ADB2 to earn. | $50,000 | 1.25% | 1.25% |
| $100,000 $100,000 minimum ADB2 to earn. | $100,000 | 1.35% | 1.35% |
1APY = Annual Percentage Yield.
2ADB = Average Daily Balance
Federally insured by NCUA.
Auto Loans
Auto Loans with competitive rates and flexible terms for new or used vehicles.
| Product | APR² as low as | Terms |
|---|---|---|
| New Auto¹ | up to 36 months | 4.49% |
| New Auto¹ | up to 48 months | 4.74% |
| New Auto¹ | up to 60 months | 5.24% |
| New Auto¹ | up to 72 months | 5.24% |
| New Auto¹ | up to 84 months | 5.74% |
| Used Auto3 | up to 36 months | 5.49% |
| Used Auto3 | up to 48 months | 5.74% |
| Used Auto3 | up to 60 months | 5.74% |
| Used Auto3 | up to 72 months | 5.74% |
1New and pre-owned vehicles are defined as model years 2024 through 2026 with fewer than 36,000 miles.
2APY = Annual Percentage Rate.
3Used Vehicles are defined as vehicles over 3 years old or over 36000 miles.
Pre-owned vehicles older than model year 2024 or with more than 36,000 miles may be subject to higher rates and must go through standard underwriting. Rates will not be offered below the
floor rate of 4.99% APR. This offer cannot be combined with any other promotions. All applicants must qualify for membership with Connect Credit Union. New Auto Loan Annual Percentage Rates
(APR) for 48 months financing is as low as 5.24% APR. These rates include a discount of -.50% APR for automatic payment transfer. Additional discounts available are a -.25% APR for Purchase
of CCU Extended Warranty and -.25% APR for Purchase of CCU GAP Insurance. No APR will be below the Credit Union's floor rate of 4.99% APR. For more information, contact a loan officer.
Loan payment examples: $20,000 loan for 48 months at 5.24% will have a monthly payment of $462.90, $23.15 for each $1,000 borrowed; $20,000 loan for 72 months at 5.99%
will have a monthly payment of $329.01, $16.45 for each $1,000 borrowed. Other loan amounts, rates and terms are available if you apply and qualify.
Loans
Loans to help you, whether you are managing expenses, reaching your goals, treating yourself or handling an emergency, we're here to support every step of the way.
| Product | APR¹ as low as | Terms |
|---|---|---|
| Personal Loans | 9.99% | |
| CD Secured Loan² | VARIES | |
| Debt Consolidation Loan | 9.99% | |
| Student Debt Loan | Click To View |
1APR = Annual Percentage Rate.
2Loan term matches the Certificate used to Secure, and the rate is 1.5% above the Certificate rate
Rates are subject to change and are based on the term and individual's creditworthiness. For more information, contact your credit union representative.
Credit Cards
Credit Cards accepted worldwide, with low interest rates and rewards available for everyday purchases.
| Product | APR¹ as low as | Terms |
|---|---|---|
| Platinum Mastercard | 9.49% | |
| Platinum Mastercard Rewards | 10.49% | |
| Secured | 9.49% |
1APR = Annual Percentage Rate.
Rates are subject to change and are based on the term and individual's creditworthiness. For more information, contact your credit union representative.
Mortgages
Mortgages with a range of home financing solutions to fit different goals and stages of life.
| Product | APR¹ as low as | Terms |
|---|---|---|
| Mortgages | Click To Inquire |
HELOCs
HELOCs give you access to funds when you need them.
| Product | APR¹ as low as | Terms |
|---|---|---|
| HELOC | 7.25% | Single Family Home/Owner Occupied2 |
1APR = Annual Percentage Rate.
2Surcharges applied for:
- All other property type +0.50% (Condo, Duplex, Villa, Townhome, multi-use, etc.)
- Non owner occupied property-1st position lien +1.00% + property type surcharge (if applicable)
- Non owner occupied property-2nd position lien +2.00% + property type surcharge (if applicable) $50.00 Application Fee for Credit processing paid at time of application
Appraisal & Closing Costs are paid by the borrower(s)
Closing Costs include a $395.00 origination fee