Skip to content

APY = Annual Percentage Yield. Rates effective as of 08/01/2019. 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

Account Balance Dividend Rate APY
Interest Checking $2,500+ 0.05% 0.05%

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

Savings Accounts

Account Balance Dividend Rate APY
Savings All 0.15% 0.15%
Healthy Kids Club All 0.15% 0.15%
Club Accounts All 0.15% 0.15%
Seasonal Pay Account Up to $10,000 1.25% 1.26%
Seasonal Pay Account $10,000.01+ 0.15% 0.15%

Savings accounts earn dividends on balances over $100

Money Market Accounts Learn More

Balance Dividend Rate APY
from $2,500 to $24,999 1.00% 1.00%
from $25,000 to $49,999 1.11% 1.11%
from $50,000 to $99,999 1.21% 1.21%
from $100,000 to $149,999 1.31% 1.31%
from $150,000 to $199,999 1.41% 1.41%
from $200,000 and up 1.60% 1.61%

 

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

Certificates of Deposit Learn More

Term Minimum Amount Dividend Rate APY Dividends Paid
181 days (6 months) $1,000 1.50% 1.51% Quarterly
365 days (1 year) $1,000 2.20% 2.22% Quarterly
1.5 years $1,000 2.25% 2.27% Quarterly
2 years $1,000 2.25% 2.27% Quarterly
2.5 years $1,000 2.25% 2.27% Quarterly
3 years $1,000 2.35% 2.37% Quarterly
4 years $1,000 2.55% 2.58% Quarterly
5 years $1,000 2.70% 2.73% Quarterly
Healthy Kids Club 1 Year $500 2.20% 2.22% Quarterly
iScore Young Adult, Varies* $100 /max $2,500 2.70% 2.73% Quarterly

 

*iScore Young Adult Certificate eligibility ages 18-22 and term will vary depending on age when the certificate of deposit is opened. This certificate will mature on the members 23rd birthday. Penalty for early withdrawal. Limit one iScore Certificate per member.

Individual Retirement Accounts Learn More

Term Minimum Deposit Dividend Rate APY Dividends Paid
6 month $1,000 1.50% 1.51% Quarterly
12 month $1,000 2.20% 2.22% Quarterly
18-month $1,000 2.25% 2.27% Quarterly
24 month $1,000 2.25% 2.27% Quarterly
30 month $1,000 2.25% 2.27% Quarterly
36 month $1,000 2.35% 2.37% Quarterly
48 month $1,000 2.55% 2.58% Quarterly
60 month $1,000 2.70% 2.73% Quarterly
Roth / Traditional / Educational IRAs n/a 0.75% 0.75% Quarterly

 

Penalty for early withdrawal.

Health Savings Account Learn More

Balance Dividend Rate APY
from $0 - $2,500 0.50% 0.50%
from $2,501 - $10,000 0.75% 0.75%
from $10,001 - $25,000 0.90% 0.90%
from $25,001 - $50,000 0.90% 0.90%
from $50,001 - and up 0.90% 0.90%

Loan Rates

New Auto Loans Learn More Apply Now

Term APR*
24 months As low as 2.99%
36 months As low as 2.99%
48 months As low as 3.49%
60 months As low as 3.59%
72 months As low as 3.79%
84 months Financing may be available - ask your Alive Credit Union loan officer today!

 

*APR = Annual Percentage Rate. Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply. Contact the credit union to find out what rate you qualify for. A $20,000 loan at 3.79% APR for 72 months would require a monthly payment of $311.06.

Used Auto Loans Learn More Apply Now

Term APR*
24 months As low as 3.19%
36 months As low as 3.19%
48 months As low as 3.69%
60 months As low as 3.79%
72 months As low as 3.99%

*APR = Annual Percentage Rate. Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply. Contact the credit union to find out what rate you qualify for. A $20,000 loan at 3.99% APR for 72 months would require a monthly payment of $312.88.

New/Used Recreational Vehicles Learn More Apply Now

Term APR*
1 - 48 months As low as 4.25%
49 - 84 months As low as 5.25%
85 - 120 months As low as 6.75%

 

*APR = Annual Percentage Rate. Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply. Contact the credit union to find out what rate you qualify for. A $20,000 loan at 5.25% APR for 72 months would require a monthly payment of $324.52.

Motorcycle Loans Learn More Apply Now

Term APR*
1 - 36 months As low as 3.49%
37 - 48 months As low as 4.49%
49 - 72 months As low as 5.49%

 

*APR = Annual Percentage Rate. Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply. Contact the credit union to find out what rate you qualify for. A $20,000 loan at 5.49% APR for 60 months would require a monthly payment of $382.04.

Home Equity Loans Learn More

Type APR* Other Conditions
HELOC Prime + 0.75% Floor (minimum) of 2.00%
Fixed Rate - 7 years 5.50% $20,000 minimum
Fixed Rate - Up to 10 years 6.00% $20,000 minimum
Fixed Rate - Up to 15 years 6.50% $20,000 minimum

*APR = Annual Percentage Rate. A Fixed Rate Second Mortgage for $100,000.00 at 6.50% APR would require monthly payments of $871.29 for 180 months.

Other Loans

Type APR* 
Personal Loan As low as 8.99%
Share Secured Loan Share Rate + 2.00%
CD Secured Loan CD Rate + 2.00%
Medical Loan As low as 7.99%
Credit Builder Loan 12.00%

*APR = Annual Percentage Rate.

Personal Loan: Example monthly payment per $1,000: $87.48 for 12 months at 8.99% APR. Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply.

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: $85.26 for 12 months at 4.20% APR.

Medical Loan: Example monthly payment per $1,000: $87.01 for 12 months at 7.99% APR. Stated APR includes a Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply. 

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