Rates

Rate discounts are available to qualified borrowers. Ask an employee for details. APR= Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval. Auto Loans have a $5,000 minimum loan amount, a minimum 36-month term, and a floor rate of 4.99% APR. There is a $49 Processing Fee on all new auto loans (2025 and newer). There is a $124 Processing Fee on all used auto loans (2024 and older).

Best Credit Financing Examples: An Auto Loan of $20,000 at 5.49% APR for a 36-month term would result in a monthly payment of approximately $603.87. An Auto Loan of $20,000 at 5.49% APR for a 72-month term would result in a monthly payment of approximately $326.71. An Auto Loan of $20,000 at 5.74% APR for a 73-month term would result in a monthly payment of approximately $325.28. An Auto Loan of $20,000 at 5.74% APR for an 84-month term would result in a monthly payment of approximately $289.73. An Auto Loan of $20,000 at 6.49% APR for a 36-month term would result in a monthly payment of approximately $612.94. An Auto Loan of $20,000 at 6.49% APR for a 72-month term would result in a monthly payment of approximately $336.16. An Auto Loan of $20,000 at 6.74% APR for a 73-month term would result in a monthly payment of approximately $334.78. An Auto Loan of $20,000 at 6.74% APR for an 84-month term would result in a monthly payment of approximately $299.37. An Auto Loan of $20,000 at 6.99% APR for a 36-month term would result in a monthly payment of approximately $617.50. An Auto Loan of $20,000 at 6.99% APR for a 60-month term would result in a monthly payment of approximately $395.99. An Auto Loan of $20,000 at 7.24% APR for a 61-month term would result in a monthly payment of approximately $392.93. An Auto Loan of $20,000 at 7.24% APR for a 72-month term would result in a monthly payment of approximately $343.35. An Auto Loan of $20,000 at 7.49% APR for a 36-month term would result in a monthly payment of approximately $622.09. An Auto Loan of $20,000 at 7.49% APR for a 60-month term would result in a monthly payment of approximately $400.73. An Auto Loan of $20,000 at 7.74% APR for a 61-month term would result in a monthly payment of approximately $397.69. An Auto Loan of $20,000 at 7.74% APR for a 72-month term would result in a monthly payment of approximately $348.19. An Auto Loan of $20,000 at 9.49% APR for a 36-month term would result in a monthly payment of approximately $640.64. An Auto Loan of $20,000 at 9.49% APR for a 60-month term would result in a monthly payment of approximately $420.02.

There is a $15,000 minimum loan amount to receive 5.74% APR and 73 – 84-month term for qualified borrower

Home Equity Line of Credit
The APR may vary after account opening. HELOC has a floor rate of 3.74% APR. The maximum rate that may be imposed is 18.00% APR. There is a $10,000 minimum loan amount, maximum 90% Home Equity Combined Loan to Value (HCLTV) for Primary Residence, and 80% HCLTV for Secondary Residence. There is a minimum monthly payment requirement of $100. Closing costs vary by state ranging from $750 - $2,000. 2.99% Fixed Promo Rate is capped at a maximum 80% HCLTV and is available on primary and secondary homes. 3.99% Fixed Promo Rate is capped at a maximum 90% HCLTV available on primary homes only. Must be an existing Credit Union 1 member or be eligible for membership prior to loan origination. New members may be required to pay a one-time membership fee of up to $10. Property insurance is required on all HELOC loans. A statement of property insurance will be requested prior to loan origination. This promotional offer may end at any time without notice.

APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.

For any Fixed Rate Home Equity Loan, the borrower is responsible for any third-party fees associated with the origination of the loan. There is a $100 Origination Fee. The borrower should consult a tax adviser for further information regarding the deductibility of interest and charges. Available for properties located in California, Florida, Illinois, Indiana, Iowa, Georgia, Minnesota, Nevada, Tennessee, Washington, Wisconsin only. 
Best Credit Financing Examples: A Home Equity Loan of $20,000 at 6.25% APR for a 60-month term would result in a monthly payment of approximately $388.99. A Home Equity Loan of $20,000 at 6.50% APR for a 120-month term would result in a monthly payment of approximately $227.10. A Home Equity Loan of $20,000 at 6.75% APR for a 180-month term would result in a monthly payment of approximately $176.98. A Home Equity Loan of $20,000 at 7.00% APR for a 240-month term would result in a monthly payment of approximately $155.06. Home Equity Loan payment examples do not include taxes and insurance premiums. Home Equity Loans do not escrow for taxes and insurance. These premiums will be paid separately from the Home Equity Loan principal and interest payment.
Property insurance is required on all Home Equity loans. A statement of property insurance will be requested prior to loan origination.
Must be an existing Credit Union 1 member or be eligible for membership prior to loan origination. New members may be required to pay a one-time membership fee of up to $10.

There is a $500 minimum line of credit limit.

APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.

APY = Annual Percentage Yield. Fees could reduce earnings on the account. Rate is subject to change without notice. The rate may change after the account is opened and without notice. Dividends calculated using Average Daily Balance. Direct Deposit is required to earn the current declared UIC Ignite Checking rate.

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rate is subject to change without notice. The rate may change after the account is opened and without notice. Dividends calculated using Average Daily Balance. Requirements to earn the current declared High Yield Checking rate on balances up to $10,000: You must (1) be enrolled in digital banking by registering for CU1’s digital banking service and create a password, (2) be enrolled in eStatements for the account in which the High Yield Checking Account is established, (3) have at least 15 CU1 Bill Pay or CU1 Visa® debit card transactions per calendar month (or a combination of the two), excluding ATM transactions, in the High Yield Checking Account, and (4) have minimum aggregate deposits totaling $1,000 deposited into the High Yield Checking per calendar month. Balances over $10,000 will earn 0.01% APY. Transactions that are pending on your High Yield Checking account and have not posted as of the end of the calendar month qualification cycle, will not count as qualifying transaction for that calendar month cycle. If Requirements are not met, balances will earn 0.01% APY. Deposits, bill pay transactions, and/or debit card transactions made to any other account or sub account belonging to the account owner, or any joint owner, will not apply to these High Yield checking requirements.

APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.

APY = Annual Percentage Yield. Must be New Money and deposited into the High Yield Savings Account. “New Money” is defined as money not on deposit with Credit Union 1 within the last 12 months and transferred in from a different financial institution (no Credit Union 1 to Credit Union 1 balance transfers allowed at any time. Any funds transferred in this manner will be redeposited into the original account and earn at the current rate). Money removed from Credit Union 1, then redeposited within a 12-month period from the withdrawal, will not be eligible for the High Yield Savings Account Rate.

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.

We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce the earnings on the account.

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.

We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce the earnings on the account.

APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.

We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce the earnings on the account.

Special 9-Month Share Certificate is a limited time offer and may be cancelled at any time without notice. There is a $1,000 minimum balance to open and earn dividends. Special 9-Month Share Certificate and 9-Month IRA Certificate are limited time offers and will automatically roll over when it reaches maturity to a 12-Month Share Certificate with a 10-day grace period where you can transfer the money to another Share Certificate or withdraw your money without penalty.

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened.

We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce the earnings on the account.

APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.

APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.

APY = Annual Percentage Yield. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. Rates are subject to change without notice. If you require current rate information please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.

If balance falls below the $25,000 minimum average daily balance requirement, there is a $50.00 fee per month. Waived if Merchant Services are deposited into the account.

If balance falls below the $5,000 minimum average daily balance requirement, there is a $15.00 fee per month. Waived if Merchant Services are deposited into the account.

If balance falls below the $1,500 minimum average daily balance requirement, there is a $10.00 fee per month. Waived if Merchant Services are deposited into the account.

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.

We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce earnings on the account.

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rates are subject to change without notice. The rate may change after the account is opened. The APY is accurate as of the last dividend declaration date.

We may impose a penalty if you withdraw funds from your account before the maturity date. Maintenance or activity fees could reduce earnings on the account.