Checking and Savings Rates
Checking Accounts |
Minimum Balance |
Prospective Dividend Rate |
Annual Percentage Yield (APY) |
Checking PLUS |
None
|
0.50%
|
0.50%
|
Checking |
None
|
0.05%
|
0.05%
|
Health Savings Account |
None
|
1.15%
|
1.16%
|
Savings Accounts |
Minimum Balance |
Prospective Dividend Rate |
Annual Percentage Yield (APY) |
Main Share Savings |
$50.00
|
0.05%
|
0.05%
|
Daily Savings |
$0.01
|
0.05%
|
0.05%
|
You Name It Savings |
$0.01
|
0.05%
|
0.05%
|
Holiday Club Savings |
None
|
0.05%
|
0.05%
|
Secured Credit Line Account |
None
|
0.05%
|
0.05%
|
High Yield Money Market Savings |
$1,000
|
2.50%
|
2.53%
|
Premium Money Market Savings |
$75,000
|
2.75%
|
2.79%
|
Ultimate Money Market Savings |
$150,000
|
3.00%
|
3.05%
|
Prestige Money Market Savings |
$250,000
|
3.25%
|
3.30%
|
Individual Retirements Accounts (IRA) |
Minimum Balance |
Prospective Dividend Rate |
Annual Percentage Yield (APY) |
Traditional IRA |
$100
|
2.50%
|
2.53%
|
SEP IRA |
$100
|
2.50%
|
2.53%
|
Roth IRA |
$100
|
2.50%
|
2.53%
|
Certificate Accounts (Term Share) |
Minimum Balance |
Current Dividend Rate |
Annual Percentage Yield (APY) |
6 Month Certificate Account |
$1,000
|
3.25%
|
3.30%
|
6 Month Certificate Account (Mini-Jumbo) |
$50,000
|
3.30%
|
3.35%
|
6 Month Certificate Account (Jumbo) |
$99,000
|
3.35%
|
3.41%
|
12 Month Certificate Account |
$1,000
|
3.75%
|
3.82%
|
12 Month Certificate Account (Mini-Jumbo) |
$50,000
|
3.80%
|
3.87%
|
12 Month Certificate Account (Jumbo) |
$99,000
|
3.85%
|
3.92%
|
24 Month Certificate Account |
$1,000
|
3.55%
|
3.61%
|
24 Month Certificate Account (Mini-Jumbo) |
$50,000
|
3.60%
|
3.67%
|
24 Month Certificate Account (Jumbo) |
$99,000
|
3.65%
|
3.72%
|
29 Month Certificate Account |
$1,000
|
3.50%
|
3.56%
|
29 Month Certificate Account (Mini-Jumbo) |
$50,000
|
3.55%
|
3.61%
|
29 Month Certificate Account (Jumbo) |
$99,000
|
3.60%
|
3.67%
|
36 Month Certificate Account |
$1,000
|
3.40%
|
3.46%
|
36 Month Certificate (Mini-Jumbo) |
$50,000
|
3.45%
|
3.51%
|
36 Month Certificate (Jumbo) |
$99,000
|
3.50%
|
3.56%
|
Youth Certificate Accounts (Term Share) |
Minimum Balance |
Current Dividend Rate |
Annual Percentage Yield (APY) |
6 Month Youth Certificate Account |
$100
|
2.00%
|
2.02%
|
12 Month Youth Certificate Account |
$100
|
2.50%
|
2.53%
|
24 Month Youth Certificate Account |
$100
|
2.30%
|
2.33%
|
36 Month Youth Certificate Account |
$100
|
2.15%
|
2.17%
|
IRA Certificate Accounts (Term Share) |
Minimum Balance |
Current Dividend Rate |
Annual Percentage Yield (APY) |
12 Month IRA Certificate Account |
$1,000
|
3.75%
|
3.82%
|
12 Month IRA Certificate Account (Mini-Jumbo) |
$50,000
|
3.80%
|
3.87%
|
12 Month IRA Certificate Account (Jumbo) |
$99,000
|
3.85%
|
3.92%
|
24 Month IRA Certificate Account |
$1,000
|
3.55%
|
3.61%
|
24 Month IRA Certificate Account (Mini-Jumbo) |
$50,000
|
3.60%
|
3.67%
|
24 Month IRA Certificate Account (Jumbo) |
$99,000
|
3.65%
|
3.72%
|
36 Month IRA Certificate Account |
$1,000
|
3.40%
|
3.46%
|
36 Month IRA Certificate Account (Mini-Jumbo) |
$50,000
|
3.45%
|
3.51%
|
36 Month IRA Certificate Account (Jumbo) |
$99,000
|
3.50%
|
3.56%
|
Effective Date 07-01-2024
Checking and Certificate Accounts are compounded daily and credited monthly. Savings and IRA dividends are compounded daily and credited quarterly. Minimum Balance required to open an account and earn the posted APY. There may be a government penalty for early withdrawal of IRA funds. There is a substantial penalty for early (premature) withdrawal of Certificate Accounts, Youth Certificate Accounts, and IRA Certificate Accounts (Term Share) funds. Please reference Share Accounts Information and Disclosure and/or contact a Credit Union employee for additional information. Rates and terms are variable and subject to change at any time after the account is opened. Fees may reduce earnings.
Loan and Credit Card Rates
Car & Truck (New & Used) |
Rate Type |
Annual Percentage Rate (APR) |
Up to 72 Months |
Adjustable
|
8.70%
|
Up to 72 Months |
Fixed
|
9.45%
|
84 Months |
Adjustable
|
9.70%
|
84 Months |
Fixed
|
10.45%
|
Motorcycle & ATV Loans (New & Used) |
Rate Type |
Annual Percentage Rate (APR) |
Up to 72 Months |
Adjustable
|
9.45%
|
Up to 72 Months |
Fixed
|
10.20%
|
84 Months |
Adjustable
|
10.45%
|
84 Months |
Fixed
|
11.20%
|
Recreational Vehicles, Special Collateral Loans (New & Used) |
Rate Type |
Annual Percentage Rate (APR) |
Motorhome, Camper, Travel Trailer, 5th Wheel, Boat/Boat Trailer, Aircraft, etc. |
Adjustable
|
10.95%
|
Motorhome, Camper, Travel Trailer, 5th Wheel, Boat/Boat Trailer, Aircraft, etc. |
Fixed
|
11.70%
|
Unsecured Loans |
Rate Type |
Annual Percentage Rate (APR) |
Line of Credit |
Adjustable
|
15.95%
|
Signature Loan |
Fixed
|
15.95%
|
Summer/Holiday Loans |
Fixed
|
12.00%
|
Visa® Credit Card |
Rate Type |
Annual Percentage Rate (APR) |
Visa Platinum Credit Card |
Adjustable
|
9.50% - 12.50%
|
Savings Pledge Loan |
Rate Type |
Annual Percentage Rate (APR) |
Main Share Savings Pledge Loan |
Adjustable
|
2.55%
|
High Yield Money Market Savings Pledge Loan |
Adjustable
|
4.75%
|
Premium Money Market Savings Pledge Loan |
Adjustable
|
5.00%
|
Ultimate Money Market Savings Pledge Loan |
Adjustable
|
5.25%
|
Certificate Account Pledge Loan |
Fixed
|
Call for current rates
|
Credit Builder Loans |
Rate Type |
Annual Percentage Rate (APR) |
Credit Builder Vehicle |
Fixed
|
13.25%
|
Credit Builder Signature |
Fixed
|
17.50%
|
Credit Builder Line of Credit |
Adjustable
|
17.50%
|
Student Loans |
Rate Type |
Annual Percentage Rate (APR) |
Offered through SallieMae.com/SmartOption/HughesFCU |
|
|
Effective Date 07-01-2024
APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect
when the loan is completed. Rates and terms are subject to change at any time. Please contact a Credit Union employee for further information.
Mortgage Loans |
Rate Type |
Annual Percentage Rate (APR) |
30-Year Conventional Loan (Purchase) |
Fixed
|
6.490%
|
15-Year Conventional Loan (Purchase) |
Fixed
|
5.875%
|
VA Loan (Purchase) |
Fixed
|
6.750%
|
FHA Loan (Purchase) |
Fixed
|
5.750%
|
ARM (Purchase) |
Adjustable
|
Call for current rates
|
Home Equity Line of Credit (HELOC) |
Rate Type |
Annual Percentage Rate (APR) |
Home Equity Line of Credit (<80% Loan-to-Value) |
Adjustable
|
9.50%
|
Home Equity Line of Credit (>80% Loan-to-Value) |
Adjustable
|
10.50%
|
Credit Builder Home Equity Line of Credit |
Adjustable
|
15.00%
|
Line of Credit |
Rate Type |
Annual Percentage Rate (APR) |
Rental Property Line of Credit |
Adjustable
|
11.50%
|
Vacation Property Line of Credit |
Adjustable
|
11.50%
|
Land Line of Credit |
Adjustable
|
11.50%
|
Effective Date 08-30-2024
APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect when the loan is completed.
All Mortgage loans include a 1% origination fee and $350 processing fee and are based on 80% LTV of purchase price. Certain restrictions apply. Rates subject to
change and are not guaranteed until locked. Ask to speak with a Mortgage Originator for details and/or current refinance rates.
Home Equity Line of Credit (HELOC) Rates: The index is based on the quarterly average of the Wall Street Journal Prime Rate as stated on the first (1st) work day of each month within the calendar quarters beginning with January, April, July and October (“the Index”) plus a margin of 1.0% and adjusted upward to the nearest 0.250% on loans with a loan-to-value of 80% or less. On loans with a loan-to-value higher than 80%, the rate shall be determined by using the Index plus a margin of 2.0% and adjusted upward to the nearest 0.250%.
Rental Property, Vacation Property and Land Line of Credit Rates: The rate shall be determined by using the Index plus a margin of 3.0% and adjusted upward to the nearest 0.250%. On Credit Builder Home Equity Loans, the rate shall be determined by using the Index plus a margin of 6.5% and adjusted upward to the nearest 0.250%. The APR shall be subject to modification and adjustment any quarter hereafter until this loan is fully paid and discharged, and shall not exceed the maximum interest rate “cap” or 18%, whichever is less, and shall not decline below the minimum interest rate of 5%.
NOTE: Property financed must be in Arizona. Rates and terms are subject to change at any time. Please contact a Credit Union employee for further information.