Our Current
Rates
we’re known for
competitive rates.
Select “Deposit Accounts” or “Loan Products” below to see our current rates.
Checking Accounts
ACCOUNT TYPE
MINIMUM
BALANCE
FEES
RATE
APY*
Basic
Checking
$0
No fees
0.15%
0.150%
Senior Checking "suspended"
$0
No fees
0.15%
0.150%
Business
Checking
$0
No fees
0.10%
0.100%
Business Premier
Checking
$1500
No fees
0.25%
Over $5,000: 0.25%
0.250%
Over $5,000: 0.250%
ACCOUNT TYPE | MINIMUM | FEES | RATE | APY* |
Basic | $0 | No fees | 0.15% | 0.150% |
Senior Checking "suspended" | $0 | No fees | 0.15% | 0.150% |
Business | $0 | No fees | 0.10% | 0.100% |
Business Premier | $1500 | No fees | 0.25% | 0.250% |
Savings Accounts
ACCOUNT TYPE
MINIMUM
BALANCE
FEES
RATE
APY*
Personal Savings
$5 to open account, $25 to receive dividends
No Fee
0.50%
0.501%
Business Savings
$5 to open account, $25 to receive dividends
No Fee
0.50%
0.501%
Youth Savings
$1
No Fee
0.50%
0.501%
ACCOUNT TYPE | MINIMUM | FEES | RATE | APY* |
Personal Savings | $5 to open account, $25 to receive dividends | No Fee | 0.50% | 0.501% |
Business Savings | $5 to open account, $25 to receive dividends | No Fee | 0.50% | 0.501% |
Youth Savings | $1 | No Fee | 0.50% | 0.501% |
Money Market
BALANCE
MINIMUM
BALANCE
INTEREST RATE NOTES
RATE
APY*
$250.00 - $9,999.99
$250
No interest if balance goes below minimum
3.75%
3.821%
$10,000.00 - $24,999.99
$10,000
Bumps down to lower rates if below balance minimum
3.75%
3.821%
$25,000.00 - $49,999.99
$25,000
Bumps down to lower rates if below balance minimum
4.25%
4.341%
$50,000 - $99,999.99
$50,000
Bumps down to lower rates if below balance minimum
4.25%
4.341%
$100,000.00 - $249,999.99
$100,000
Bumps down to lower rates if below balance minimum
4.25%
4.341%
BALANCE | MINIMUM | INTEREST RATE NOTES | RATE | APY* |
$250.00 - $9,999.99 | $250 | No interest if balance goes below minimum | 3.75% | 3.821% |
$10,000.00 - $24,999.99 | $10,000 | Bumps down to lower rates if below balance minimum | 3.75% | 3.821% |
$25,000.00 - $49,999.99 | $25,000 | Bumps down to lower rates if below balance minimum | 4.25% | 4.341% |
$50,000 - $99,999.99 | $50,000 | Bumps down to lower rates if below balance minimum | 4.25% | 4.341% |
$100,000.00 - $249,999.99 | $100,000 | Bumps down to lower rates if below balance minimum | 4.25% | 4.341% |
Share Certificates
TERM
MINIMUM
BALANCE
FEES
RATE
APY*
6 Month
$500
30 Days of Interest Penalty Charge
3.10%
3.148%
12 Month
$500
30 Days of Interest Penalty Charge
3.50%
3.562%
18 Month
$500
30 Days of Interest Penalty Charge
3.60%
3.665%
24 Month
$500
30 Days of Interest Penalty Charge
4.00%
4.081%
36 Month
$500
$10,000
$50,000
$75,000
90 Days of Interest Penalty Charge
3.75%
3.821%
48 Month
$500
$10,000
$50,000
$75,000
90 Days of Interest Penalty Charge
3.75%
3.821%
60 Month
$500
$10,000
$50,000
$75,000
180 Days of Interest Penalty Charge
3.80%
3.873%
TERM | MINIMUM | FEES | RATE | APY* |
6 Month | $500 | 30 Days of Interest Penalty Charge | 3.10% | 3.148% |
12 Month | $500 | 30 Days of Interest Penalty Charge | 3.50% | 3.562% |
18 Month | $500 | 30 Days of Interest Penalty Charge | 3.60% | 3.665% |
24 Month | $500 | 30 Days of Interest Penalty Charge | 4.00% | 4.081% |
36 Month | $500 $10,000 | 90 Days of Interest Penalty Charge | 3.75% | 3.821% |
48 Month | $500 | 90 Days of Interest Penalty Charge | 3.75% | 3.821% |
60 Month | $500 | 180 Days of Interest Penalty Charge | 3.80% | 3.873% |
*APY=Annual Percentage Yield. Rates are subject to change at any time without prior notice.
New Vehicle Loans
TERM
MAXIMUM AMOUNT*
APR AS LOW AS*
OTHER REQUIREMENTS
12 Month
$50,000
7.25%
2023 model or newer and fewer than 500 miles
24 Month
$50,000
7.25%
2023 model or newer and fewer than 500 miles
36 Month
$50,000
7.25%
2023 model or newer and fewer than 500 miles
48 Month
$50,000
7.50%
2023 model or newer and fewer than 500 miles
60 Month
$50,000
7.75%
2023 model or newer and fewer than 500 miles
72 Month
$50,000
7.75%
2023 model or newer and fewer than 500 miles
TERM | MAXIMUM AMOUNT* | APR AS LOW AS* | OTHER REQUIREMENTS |
12 Month | $50,000 | 7.25% | 2023 model or newer and fewer than 500 miles |
24 Month | $50,000 | 7.25% | 2023 model or newer and fewer than 500 miles |
36 Month | $50,000 | 7.25% | 2023 model or newer and fewer than 500 miles |
48 Month | $50,000 | 7.50% | 2023 model or newer and fewer than 500 miles |
60 Month | $50,000 | 7.75% | 2023 model or newer and fewer than 500 miles |
72 Month | $50,000 | 7.75% | 2023 model or newer and fewer than 500 miles |
Used Vehicle Loans
TERM
MAXIMUM AMOUNT*
APR AS LOW AS*
OTHER REQUIREMENTS
12 Month
$30,000
7.50%
Up to 15 Model Years back
24 Month
$30,000
7.50%
Up to 15 Model Years back
36 Month
$30,000
7.50%
Up to 10 Model Years back
48 Month
$30,000
7.75%
Up to 10 Model Years back
60 Month
$30,000
8.00%
Up to 10 Model Years back
72 Month
$30,000
8.00%
Up to 10 Model Years back
TERM | MAXIMUM AMOUNT* | APR AS LOW AS* | OTHER REQUIREMENTS |
12 Month | $30,000 | 7.50% | Up to 15 Model Years back |
24 Month | $30,000 | 7.50% | Up to 15 Model Years back |
36 Month | $30,000 | 7.50% | Up to 10 Model Years back |
48 Month | $30,000 | 7.75% | Up to 10 Model Years back |
60 Month | $30,000 | 8.00% | Up to 10 Model Years back |
72 Month | $30,000 | 8.00% | Up to 10 Model Years back |
Personal Loans
LOAN TYPE
MAXIMUM AMOUNT*
APR AS LOW AS*
MAXIMUM TERM
Personal Secured Loan
$25,000
4.00%
60 Months
Personal Unsecured Loan (0-36 months)
$25,000
13.00%
36 Months
Personal Unsecured Loan (37-48 months)
$25,000
13.00%
48 Months
Personal Unsecured Loan (49-60 months)
$25,000
13.25%
60 Months
Overdraft Protection LOC**
$5,000
13.75%
Renews Annually
LOAN TYPE | MAXIMUM AMOUNT* | APR AS LOW AS* | MAXIMUM TERM |
Personal Secured Loan | $25,000 | 4.00% | 60 Months |
Personal Unsecured Loan (0-36 months) | $25,000 | 13.00% | 36 Months |
Personal Unsecured Loan (37-48 months) | $25,000 | 13.00% | 48 Months |
Personal Unsecured Loan (49-60 months) | $25,000 | 13.25% | 60 Months |
Overdraft Protection LOC** | $5,000 | 13.75% | Renews Annually |
Home Equity Loans
TERM
MAXIMUM TERM
APR AS LOW AS*
Other Requirements
3-5 Years
60 Months
8.50%
Eligibility Check Required
6-10 Years
120 Months
8.75%
Eligibility Check Required
11-15 Years
180 Months
9.00%
Eligibility Check Required
16-20 Years
240 Months
9.00%
Eligibility Check Required
TERM | MAXIMUM TERM | APR AS LOW AS* | Other Requirements |
3-5 Years | 60 Months | 8.50% | Eligibility Check Required |
6-10 Years | 120 Months | 8.75% | Eligibility Check Required |
11-15 Years | 180 Months | 9.00% | Eligibility Check Required |
16-20 Years | 240 Months | 9.00% | Eligibility Check Required |
Home Equity Line of Credit
Product | APR AS LOW AS++ | Notes | Other Requirements |
Home Equity Line of Credit | 9.25% | Contact our local branch for additional details. | Eligibility Check Required |
*APR=Annual Percentage Rate. Rates may change based on credit eligibility, LTV, loan amount, and loan term. Rates are subject to change at any time without prior notice.
**Enrollment required. Enrollment approval based on eligibility check.
++APR is accurate as of 8/29/2024 and variable based on the Wall Street Journal prime rate and amount requested, plus a margin depending on credit score.
top services
Personal checking
Our easiest spending account. Built for everyone. Especially YOU. No minimum balance, no fees, and no problems with our Personal Checking Account.
Personal savings
The foundation to your Finanta Credit Union membership. With a low minimum balance and competitive interest rates, it's a first step on the path to financial wellness.
Business checking
Finanta Credit Union offers a Business Checking Account with no minimum balance, no fees… and no stress! It's the perfect business banking solution.
Open your account
You can open your account online at any time! Or stop by our branch and we will help get you started in person.
