Skip to content

APY = Annual Percentage Yield. Rates effective as of 1/2/2024. Fees may reduce earnings. Rates on variable rate accounts (i.e., Savings, Checking and Money Market Savings) could change after account opening.

Loan Rates

New Auto/Van/Truck Loans Learn More Apply Now

Term APR*
0-48 months As low as 5.99%
49-66 months As low as 6.09%
67-78 months As low as 6.29%
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/Van/Truck Loans Learn More Apply Now

Term APR*
0-48 months As low as 6.29%
49-66 months As low as 6.39%
67-78 months As low as 6.59%

*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 and Used Boat/Motor/Trailer & Campers/RV's Learn More Apply Now

Term APR*
0 - 48 months As low as 5.54%
49 - 84 months As low as 6.54%
85 - 120 months As low as 8.04%

 

*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.

New and Used Motorcycles Learn More Apply Now

Term APR*
0 - 48 months As low as 5.79%
49 - 66 months As low as 6.79%
67 - 78 months As low as 7.79%

 

*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.

New and Used ATV Learn More Apply Now

Term APR*
0-48 months As low as 6.79%
0-60 months As low as 7.29%

*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.

New and Used Jet Ski Learn More Apply Now

Term APR*
0-48 months As low as 6.79%
49-60 months As low as 7.29%

*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
Variable Rate HELOC As low as 9.00% $20,000 minimum
Fixed Rate HELOC As low as 10.00% $20,000 minimum
Fixed Rate - 7 years As low as 7.00% $20,000 minimum
Fixed Rate - Up to 10 years As low as 7.50% $20,000 minimum
Fixed Rate - Up to 15 years As low as 8.00% $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 9.25%
Personal Line of Credit As low as 11.25%
Share Secured Loan Share Rate + 2.00%
CD Secured Loan CD Rate + 2.00%
Medical Loan As low as 7.89%
Credit Builder Loan 12.00%
Easy Cash Plus Loan As low as 17.50%

*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.

Deposit Rates

Checking Accounts

Account Balance Dividend Rate APY
Interest Checking $2,500+ 0.15% 0.15%

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

Savings Accounts

Account Balance Dividend Rate APY
Savings All 0.10% 0.10%
Healthy Kids Club All 0.10% 0.10%
Club Accounts All 0.10% 0.10%
Roth/Traditional/Educational IRAs All 0.35% 0.35%

Savings accounts earn dividends on balances over $100

Money Market Accounts Learn More

Balance Dividend Rate APY
from $2,500 to $24,999 1.05% 1.05%
from $25,000 to $49,999 1.15% 1.15%
from $50,000 to $99,999 1.29% 1.30%
from $100,000 to $149,999 1.54% 1.55%
from $150,000 to $199,999 2.04% 2.05%
from $200,000 and up 2.13% 2.15%

 

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
6 months $500 2.43% 2.45% Quarterly
12 months $500 3.36% 3.40% Quarterly
13 months *Special $500 4.18% 4.25% Quarterly
21 months *Special $500 3.99% 4.05% Quarterly
24 months $500 3.50% 3.55% Quarterly
30 months $500 3.50% 3.55% Quarterly
36 months $500 3.50% 3.55% Quarterly
48 months $500 3.41% 3.45% Quarterly
60 months $500 3.46% 3.50% Quarterly
Healthy Kids Club 12 months $500 3.36% 3.40% Quarterly

 CD Calculator

*Special Certificate of Deposit automatically renews to a 12-month CD with rates and terms effective as advertised on renewal date.

Penalty for early withdrawal. 

Individual Retirement Accounts Learn More

Term Minimum Amount Dividend Rate APY Dividends Paid
6 months $500 2.43% 2.45% Quarterly
12 months $500 3.36% 3.40% Quarterly
18 months $500 3.46% 3.50% Quarterly
24 months $500 3.50% 3.55% Quarterly
30 months $500 3.50% 3.55% Quarterly
36 months $500 3.50% 3.55% Quarterly
48 months $500 3.41% 3.45% Quarterly
60 months $500 3.46% 3.50% Quarterly

 CD Calculator

Penalty for early withdrawal.

Health Savings Account Learn More

Balance Dividend Rate APY
from $0 - $2,500 0.60% 0.60%
from $2,501 - $10,000 0.65% 0.65%
from $10,001 - $25,000 0.70% 0.70%
from $25,001 - $50,000 0.75% 0.75%
from $50,001 - and up 0.75% 0.75%