Our Rates
Interest Rate Effective Date: 11/27/2024
APR: Annual Percentage Rate
APY: Annual Percentage Yield
Loan Rates
Not all members will receive the lowest rate. Rates are dependent on credit reporting scores and other variables. Check with us today to find out what rate we can offer you.
Loan |
APR as low as |
| New Auto | 6.00% |
| Used Auto | 6.00% |
| Recreational Loans | 7.00% |
| Equipment Loans | 7.75% |
| Share Secured | 2.00% Above Rate Paid |
| Construction Real Estate | 6.75% |
| First or Second Mortgage | 5.75% |
Share Savings
Easily compare our savings options with the breakdown of the variety of accounts listed below. Each account offers a different interest. If you are intersted in adding a checking account to your account list, you can review those account options.
Shares |
APY |
| Share Savings | 0.10% |
| Christmas Club |
0.10%
|
| Escrow | 0.00% |
| Share Draft | 0.00% |
| Dividend Bearing SD | 0.05% |
| Bonus Shares ($500 – $24,999.99) |
0.10% |
| Bonus Shares ($25,000-$149,999.99) |
0.20% |
| Bonus Shares ($150,000+) |
0.40% |
| IRA/ESA Daily Savings | 0.50% |
Share Certificate Rates*
If you’re looking for a way to earn higher interest rates on your investment, Share Certificates are an excellent option to consider. By agreeing to leave your money in a credit union for a specific length of time, you can receive interest rates that exceed those of traditional savings accounts.
Rate |
APY |
|
| Minimum deposit: $500 | ||
| 6 Month | 3.939% | 4.00% |
| 12 Month | 4.038% | 4.10% |
| 24 Month | 3.455% | 3.50% |
| 36 Month** | 3.211% | 3.25% |
| 48 Month** | 3.211% | 3.25% |
| 60 Month** | 3.455% | 3.50% |
IRA Certificate Rates*
IRA is an Individual Retirement Account that can be contributed to annually. At Aspire Credit Union we offer both the traditional and Roth options to our members. We also offer Coverdell ESA’s which you can read about on that page.
0
Traditional/Roth/Educational Savings Accounts |
Rate |
APY |
| Minimum deposit: $500 | ||
| 6 Month | 3.939% | 4.00% |
| 12 Month | 4.038% | 4.10% |
| 24 Month | 3.455% | 3.50% |
| 36 Month** | 3.211% | 3.25% |
| 48 Month** | 3.211% | 3.25% |
| 60 Month** | 3.455% | 3.50% |
Grow With Me Certificate*
You want to set your kids up for success and starting with strong savings is one of the best ways to do that. Aspire offers a unique share certificate that allows you to put birthday money, allowances, gifts, and more to work when you open a Grow with Me Share Certificate. Take advantage of a higher rate certificate that allows you to make deposits as you grow!
Grow With Me CD |
Minimum $100+ |
|
| Rate | APY | |
| 12 Month | 4.038% | 4.10% |
| 24 Month | 3.455% | 3.50% |
*Early Withdrawal Penalties Apply: Terms of 12 months or less 60 days’ dividends, Terms of 13 months or longer 120 days’ dividends.
**The 36, 48, and 60 month certificates have a One Time Bump option on the interest rate after 12, months. These certificates are not automatically renewable.
