APY = Annual Percentage Yield. Rates effective as of 7/01/2017. Fees may reduce earnings. Rates on variable rate accounts (i.e., Savings, Checking and Money Market Savings) could change after account opening.

Deposit Rates

Checking Accounts See Details

AccountBalanceDividend RateAPY
Interest Checking $2,500+ 0.05% 0.05%

Must maintain a minimum daily balance of $2,500 to earn dividends

Savings Accounts See Details

AccountBalanceDividend RateAPY
Savings All 0.10% 0.10%
Healthy Kids Club All 0.10% 0.10%
Club Accounts All 0.10% 0.10%
Seasonal Pay Account Up to $10,000 1.25% 1.26%
Seasonal Pay Account $10,000.01+ 0.10% 0.10%

Savings accounts earn dividends on balances over $100

Money Market Accounts See Details

BalanceDividend RateAPY
from $2,500 to $24,999 0.36% 0.36%
from $25,000 to $49,999 0.41% 0.41%
from $50,000 to $99,999 0.46% 0.46%
from $100,000 to $149,999 0.51% 0.51%
from $150,000 to $199,999 0.66% 0.66%
from $200,000 and up 0.76% 0.76%

Must maintain a minimum daily balance of $2,500 to earn dividends

Certificates of Deposit See Details

TermMinimum AmountDividend RateAPYDividends Paid
181 days (6 months) $1,000 0.51% 0.51% Quarterly
365 days (1 year) $1,000 0.81% 0.81% Quarterly
1.5 years $1,000 0.91% 0.91% Quarterly
2 years $1,000 1.06% 1.06% Quarterly
2.5 years $1,000 1.21% 1.21% Quarterly
3 years $1,000 1.36% 1.36% Quarterly
4 years $1,000 1.56% 1.57% Quarterly
5 years $1,000 1.91% 1.92% Quarterly
Healthy Kids Club 1 Year $500 0.81% 0.81% Quarterly

Penalty for early withdrawal

Individual Retirement Accounts See Details

TermMinimum DepositDividend RateAPYDividends Paid
6 month $1,000 0.51% 0.51% Quarterly
12 month $1,000 0.81% 0.81% Quarterly
18-month $1,000 0.91% 0.91% Quarterly
24 month $1,000 1.06% 1.06% Quarterly
30 month $1,000 1.21% 1.21% Quarterly
36 month $1,000 1.36% 1.36% Quarterly
48 month $1,000 1.56% 1.57% Quarterly
60 month $1,000 1.91% 1.92% Quarterly
Roth / Traditional / Educational IRAs 0.60% 0.60% Quarterly

Penalty for early withdrawal.

Health Savings Account See Details

BalanceDividend RateAPY
from $0 - $2,500 0.35% 0.35%
from $2,501 - $10,000 0.60% 0.60%
from $10,001 - $25,000 0.75% 0.75%
from $25,001 - $50,000 0.75% 0.75%
from $50,001 - and up 0.75% 0.75%
Loan Rates

New Auto Loans See Details

TermAPR*
24 months As low as 1.79%
36 months As low as 1.79%
48 months As low as 2.29%
60 months As low as 2.29%
72 months As low as 2.59%
84 months Financing may be available - ask your Alive Credit Union loan officer today!

*APR (Annual Percentage Rate) is based on Credit Score. APR includes a .50% automatic payment discount. A New Auto Loan for $20,000.00 at 2.29% APR would require monthly payments of $353.12 for 60 months. Your rate will be based on your creditworthiness.

Used Auto Loans See Details

TermAPR*
24 months As low as 1.99%
36 months As low as 1.99%
48 months As low as 2.49%
60 months As low as 2.49%
72 months As low as 2.79%

*APR = Annual Percentage Rate. APR includes a .50% automatic payment discount. A Used Auto Loan for $20,000.00 at 2.49% APR would require monthly payments of $354.88 for 60 months. Your rate will be based on your creditworthiness.

New/Used Recreational Vehicles See Details

TermAPR*
1-48 months As low as 3.99%
49-84 months As low as 4.99%
85-120 months As low as 6.49%

*APR = Annual Percentage Rate. APR includes a .50% automatic payment discount. A New/Used Recreational Loan for $20,000.00 at 4.99% APR would require monthly payments of $377.37 for 60 months. Your rate will be based on your creditworthiness.

Motorcycle Loans See Details

TermAPR*
1-36 months As low as 3.25%
37-48 months As low as 4.25%
49-72 months As low as 5.25%

*APR = Annual Percentage Rate. APR includes a .50% automatic payment discount. A Mortorcycle Loan for $20,000.00 at 5.25% APR would require monthly payments of $379.76 for 60 months. Your rate will be based on your creditworthiness.

Home Equity Loans See Details

TypeAPR*Other Conditions
HELOC Prime + 0.75% Floor (minimum) of 2.00%
Fixed Rate - 7 years 5.00% $20,000 minimum
Fixed Rate - Up to 10 years 5.50% $20,000 minimum
Fixed Rate - Up to 15 years 6.00% $20,000 minimum

*APR = Annual Percentage Rate. A Fixed Rate Second Mortgage for $100,000.00 at 6.00% APR would require monthly payments of $844.08 for 180 months.

Other Loans

TypeAPR* 
Personal Loan As low as 8.75%
Share Secured Loan Share Rate + 2.00%
CD Secured Loan CD Rate + 2.00%
Medical Loan As low as 7.25%
Credit Builder Loan 12.00%

*APR = Annual Percentage Rate.

Personal Loan: Example monthly payment per $1,000: $87.34 for 12 months at 8.75% APR. APR includes a .50% automatic payment discount.

Shares Secured Loan: Example monthly payment per $1,000: $84.31 for 12 months at 2.15% APR.

Certificate Secured Loan: Example monthly payment per $1,000: $85.18 for 12 months at 4.05% APR.

Medical Loan: Example monthly payment per $1,000: $86.65 for 12 months at 7.25% APR. 

Credit Builder Loan: Example monthly payment per $1,000: $88.84 for 12 months at 12.00%APR.