Loans & Savings Rates

Rates Effective November 1, 2021

Loan Rates

Because credit unions are member owned, earnings are returned to members by way of lower loan rates!

Loan ProductRates as Low as
Auto Loans 2018 and Newer2.40%
Auto Loans 2017 and Older 3.60%
HELOC (Home Equity Line of Credit)3.00%
Motorcycle 2018 and Newer3.40%
Motorcycle 2017 and Older4.60%
RV’s and Boats 2018 and Newer 3.40%

Rates are APR = Annual Percentage Rate
Rates subject to change at any time.

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. Terms greater than 75 months only on vehicles 2017 My Rewards Members and $25 discount for Silver My Rewards Members).  Title fees will range from $15 to $32.

HELOC (Home Equity Line of Credit): All loans subject to credit review and approval. Actual rate based on credit history, credit score, loan-to-value, and property type. Minimum credit score to receive best rate is 720. Rate for home not owner occupied or primary residence start at 1% above prime. Rates and terms vary depending on loan-to-value, property type, and credit score. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change monthly. Variable rate loans adjust on the first day of each calendar quarter. HELOC 120 or HELOC Interest Only will not exceed 18% or go below 3.00%. HELOC 10 Year Draw rate will not exceed 18% or go below 4.00%. HELOC 10 Year Draw period 10 years, 15 year amortization – 25 year mortgage. HELOC Interest Only Draw Period 5 years, 15 year amortization – 20 year mortgage. HELOC 120 Draw Period 2 years, renewable up to 4 times, 10 year amortization – 20 year mortgage. Low closing costs of $395-495 – may be waived with current loan promotions. See a loan officer for details. Minimum line of credit available $5,000.

Motorcycle 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. Terms greater than 75 months only on motorcycles 2016 and newer. Add 1% to rate if mileage exceeds 50,000 on any model year. Add 2% to model years 2011 and older and maximum term is 48 months. Gold My Rewards members qualify for a monthly rate rebate of 0.50% on qualifying loans. Rates, terms, and conditions subject to change without notice. $95 origination fee ($50 discount for Gold My Rewards Members and $25 discount for Silver My Rewards Members). Title fees range from $15 to $32.

Boats, Jet Skis, ATVs: Add 3% to above rates. Gold My Rewards members qualify for a monthly rate rebate of 0.50% on qualifying loans. Rates, terms, and conditions subject to change without notice. $95 origination fee ($50 discount for Gold My Rewards Members and $25 discount for Silver My Rewards Members). 

Personal LoansRates as Low as
Share Secured 2.40%
Unsecured, Signature 7.49%
Express Line of Credit7.99%
Credit Rebuilder10.00%
Overdraft LOC15.99%

Rates are APR = Annual Percentage Rate
Subject to change at any time.

Share Secured : Minimum loan amount $300. Terms 1 – 63 months. Requires matching deposit in special savings account. Savings on hold for duration of loan.

Unsecured, Signature: Minimum payment is $100 per month, unless specifically stated otherwise for special loan promotions. Loan amount $1,500-$15,000 and terms of 1-48 months.

Express Line of Credit: Loan amount $500-$20,000.

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.

Overdraft LOC: Loan amount $300-$1,500.

Credit CardsRates as Low as
Mastercard Platinum6.25%
Gold Plus Visa Credit Card9.99%
Gold Visa Credit Card12.99%
Classic Visa Credit Card14.88%

Rates are APR = Annual Percentage Rate
Subject to change at any time.

Visa Credit Cards: All rates are non-variable. Rate of 1.99% APR (Annual Percentage Rate) for 6 months on all balance transfers. No balance transfer or cash advance fees.
Mastercard Credit Cards: Variable rates based on prime.

The rates stated above are available on approved credit. Rates may be different, as determined by the individual creditworthiness of each applicant or collateral condition. Not all applicants will qualify for the lowest rate or maximum term or advance. Self-employed applicants must provide 2 years tax returns as proof of income.

Savings Rates

Share Certificates RateAPY*
60 months0.65%0.65%
48-59 months 0.60%0.60%
36-47 months 0.55%0.55%
24-35 months 0.50%0.50%
12-23 months 0.50%0.50%
6-11 months 0.25%0.25%
3-5 months 0.10%0.10%

* APY = Annual Percentage Yield
Subject to change at any time.

Share Certificate of Deposit: A minimum balance of $500 is required on all certificates. Rates subject to change on a daily basis. Early withdrawal of certificates is subject to an interest penalty. Federal regulations prohibit the guarantee of any dividend, since payment of all dividends is based on available earnings. Ask a credit union staff member for further information about the fees and terms applicable to the accounts above. Fees and other conditions could reduce earnings.

Checking Accounts RateAPY*
Money Market Checking: $2,500.00 – $9,999.000.07%0.07%
Money Market Checking: $10,000 – $24,999.000.07%0.07%
Money Market Checking: greater than $25,000.000.12%0.12%
Classic Checking: $0 – $9990.03%0.03%
Classic Checking: $1,000 to 4,9990.03%0.03%
Classic Checking: greater then $5,000 0.05%0.05%
HSA (Health Savings Account): up to $2,499.990.03%0.03%
HSA: $2,500.00 – $9,999.990.07%0.07%
HSA: $10,000.00 to $24,999.99 0.07%0.07%
HSA: greater than $25,000.00 0.12%0.12%

* APY = Annual Percentage Yield
Subject to change at any time.

Savings AccountsRateAPY*
Main Share**0.05%0.05%
Select Share0.05%0.05%
Fast Pass Savings (ages 0-17)***5.00%5.13%
Emergency Fund0.50%0.50%
Club Savings0.05%0.05%
IRA: $0 – $2,499.990.03%0.03%
IRA: $2,500.00 – $9,999.990.07%0.07%
IRA: $10,000.00 – $24,999.99 0.07%0.07%
IRA: greater than $25,000.000.12%0.12%

Rates subject to change at any time.
* APY = Annual Percentage Yield
** balance must be at least $365 in order to earn dividends
*** balances above $1,000 revert to the Regular savings rate


Our Springfield branch is drive-thru only today. We recently updated our phone systems. Employees’ direct dials may have changed. Please call our main number 800-633-8905 and listen carefully to the prompts. MyUSA Credit Union is also accepting applications for our Board of Directors.Click for Complete Details
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