Rates

Rates subject to change at any time. For additional account information, including applicable fees, speak to a MyUSA Associate for details.

1 Rates are APR = Annual Percentage Rate and APY = Annual Percentage Yield

2 Auto Loans: Minimum loan amount usually $5,000. Minimum loan amount for terms greater than 63 months is $10,000. Minimum loan amount for terms greater than 75 months is $20,000. $95 processing fee. Title fees will range from $15 to $32. Car Loan Example: A fixed $10,000 loan for 36 months @ 5.79% APR is a $303.27 payment with no payment protection. Rates and terms subject to credit approval. Subject to $5 membership fee if not already a member.

3 Motorcycle, RV, Boat Loans: Minimum loan amount $5,000. Minimum loan amount for terms greater than 63 months is $10,000. Minimum loan amount for terms greater than 75 months is $20,000. Add 1% to rate if mileage exceeds 50,000 on any model year. Rates, terms, and conditions subject to change without notice. $95 processing fee. Title fees range from $15 to $32. Rate applicable to new purchases or external financing only. Loan Payment Example: A fixed $10,000 loan for 60 months @ 6.79% APR is a $197.02 monthly payment with no payment protection.

4 Jet Skis, ATVs: Add 4% to above rates. Rates, terms, and conditions subject to change without notice. $95 origination fee. Boat Loan Example: A fixed $10,000 loan for 60 months @ 9.79% APR is a $211.44 monthly payment with no payment protection. 

5 HELOC (Home Equity Line of Credit): Annual Percentage Rate (APR) is variable and based on a range of -1.00% below Prime to 4.00% above Prime as listed in the Wall Street Journal as of the last business day of each month. As the Prime Rate changes, the APR on your account will also change. The APR may vary depending upon each individual’s credit history, credit line, loan-to-value (LTV) and underwriting factors. The minimum APR that can be applied is 3.00%, and maximum APR that can be applied is 18.00%. An annual inactivity fee of $50 may apply. For a limited time, MyUSA will waive the closing cost associated with a HELOC. If borrower cancels loan application while in process or chooses to not close the loan upon approval (regardless of approved amount), the borrower/member will be responsible for reimbursement of the closing cost (including appraisal, flood cert, title search, and recording fees). Offer valid only on Primary, Owner-Occupied residence. Additional fees may be required for loans over 80% and are the financial responsibility of the borrower. Home Equity Lines of Credit (HELOC) – Annual Percentage Rate (APR) is variable and based on a range of -1.00% below Prime to 4.00% above Prime as listed in the Wall Street Journal as of the last business day of each month. As the Prime Rate changes, the APR on your account will also change. The APR may vary depending upon each individual’s credit history, credit line, loan-to-value (LTV) and underwriting factors. The minimum APR that can be applied is 3.00%, and maximum APR that can be applied is 18.00%. An annual inactivity fee of $50 may apply. For a limited time, MyUSA will waive the closing cost associated with a HELOC. If borrower cancels loan application while in process or chooses to not close the loan upon approval (regardless of approved amount), the borrower/member will be responsible for reimbursement of the closing cost (including appraisal, flood cert, title search, and recording fees). Offer valid only on Primary, Owner-Occupied residence. Additional fees may be required for loans over 80% and are the financial responsibility of the borrower. 

6 Share Secured : Minimum loan amount $300. Terms 1 – 63 months. Requires matching deposit in special savings account. Savings on hold for duration of loan. Personal Loan – Secured Payment Example: A $10,000 loan for 60 months @ 5.00% APR is a $188.71 monthly payment. Subject to $5 membership fee.

7 Unsecured, Signature (Lifestyle Loan): Your APR will be between 9.99% and 20.50% based on creditworthiness at time of application for loan terms of 1-84 months and amounts $1,500-$15,000. Unsecured Personal Loan Example: if you get approved for a $15,000 loan at 9.99% APR for a term of 84 months, you’ll pay just $248.94 a month. Minimum payment is $100 per month, unless specifically stated otherwise for special loan promotions.

8 Express Line of Credit: Loan amount $500-$15,000

9 Credit Builder: For credit grades C, D, and E only, or less than 639 credit score. Member adds 10% of loan amount to held funds. Proceeds on hold for duration of loan

10 Mastercard Credit Cards: Variable rates based on prime

11 Share Certificate of Deposit: APY for Certificates will be standard published rates at time of account opening and are subject to change after account opening. APY, minimum balance requirements for obtaining APY, and fees, including early withdrawal fees, may apply and will vary per account. A minimum balance of $500 is required to open a Certificate and a balance of $0.01 is required to earn dividends; fees may reduce earnings. You must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00 to open Share Certificate.

12 BFF Perks program terms and conditions subject to change or end without notice. BFF Perks status may change monthly as loan rate awards will be applied the first day of the month and share certificate rate rewards will be on the last day of the quarter. Both will be based upon the prior month-end qualifying account status. To receive BFF Perks rewards, a member must have a minimum of two qualifying accounts which may include a checking account, share certificate, credit card, personal loan, line of credit, HELOC, auto, boat, RV, or motorcycle loan. BFF Perks rewards include a 0.25% rate reduction on all auto, boat, RV, or motorcycle loans and a 0.25% dividend rate bonus on share certificates. Any checking account with a negative balance or delinquent loan obligation as of the previous month-end may not be considered an eligible qualifying account in calculation of that month’s BFF Perks. BFF perks will start 90 days after qualifying account has been established. Other terms, conditions, limits, and fees may apply; speak to a MyUSA associate for details.

13 Freedom Savings: APY disclosed effective as of date listed above and may change after account is opened. 7.00% APY will be paid only on the portion of your average daily balance that is greater than $0.00 but less than $1,000.01. The portion of your average daily balance greater than $1,000 will earn an APY of the current standard published rate, 0.05% as of date listed above. There is no minimum balance to open a Freedom Savings account, but you must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00 to open a Freedom Savings Account. Limit one Freedom Savings per social security number. A balance of $0.01 is required to earn dividends; fees may reduce earnings. Eligible only for individual accounts.

14 Simple Savings: There is no minimum balance to open a Simple Savings account, but you must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00 to open a Simple Savings Account. A balance of $0.01 is required to earn dividends; fees may reduce earnings. 

15 Premier Savings: APY disclosed effective as of date listed above and may change after account is opened. 3.80% APY will be paid only on the portion of your average daily balance that is greater than $100,000. The portion of your average daily balance $25,000 – $99,999 earns 2.79% and balances up to $24,999 will earn 0.07%. There is no minimum balance to open a Premier Savings account, but you must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00 to open a Premier Savings Account. A balance of $0.01 is required to earn dividends; fees may reduce earnings. Eligible only for individual accounts.

16 Student Savings: There is no minimum balance to open a Student Savings Account, but you must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00 to open a Student Savings Account. Student Checking accounts available to individuals ages 16-17, or older with current student ID. A balance of $0.01 is required to earn dividends; fees may reduce earnings. 

17 Premier Checking: APY = Annual Percentage Yield. APYs disclosed effective as of date listed above and may change after account is opened. 3.80% APY will be paid only on the portion of your average daily balance that is greater than $100,000. The portion of your average daily balance $25,000 – $99,999 earns 2.79% and balances up to $24,999 will earn 0.07%. There is no minimum balance to open a Premier Checking account, but you must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00 to open a Premier Checking Account. A balance of $0.01 is required to earn dividends; fees may reduce earnings. Eligible only for individual accounts. Other account types such as business, estate, trust, guardian, rep payee, etc. are not eligible to participate.