Rates

APY = Annual Percentage Yield. Rates effective as of 7/1/2014. Fees may reduce earnings.

Savings

Savings AccountsBalanceAPY
Basic Savings0.10%
Holiday Club0.25%
Vacation Club0.10%
Health Savings$0 - $2,499.990.10%
$2,500.00 - 9,999.990.10%
$10,000 +0.20%

   
AccountBalanceRateAPY
IRA Savings$1 - $2,499.990.10%0.10%
Roth IRA Savings$2,500.00 - 9,999.990.10%

0.10%
$10,000.00 - 19,999.990.15%0.15%
$20,000.00 - 49,999.990.20%0.20%
$50,000.00 +0.30%0.30%

These rates are current as of July 1, 2014. APY=Annual Percentage Yield. The minimum balance for the basic and youth account is $100 to avoid service fees. There is a $5.00 minimum opening balance required for basic and youth savings accounts. There is no minimum balance for secondary savings accounts, holiday club or vacation club.

Checking

Kasasa Cash*

BalanceRateAPY
Balances up to $15,000 2.25%2.25%
Balances over $15,0000.50%2.25 to 0.73%
All balances if qualifications not met0.05%0.05%

To earn rewards, each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Have at least 1 automatic (ACH) credit post and settle (like direct deposit, social security, or a recurring incoming payment)

*APY=Annual Percentage Yield. APYs accurate as of 7/1/2014. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 2.25%; and (3) balances over $15,000 earn 0.50% interest rate on portion of balance over $15,000, resulting in 2.25% - 0.73% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Kasasa Cash Back*


   
AccountCash Back
Kasasa Cash Back 3% cash back on debit card purchases of at least $9

To earn rewards, each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Have at least 1 automatic (ACH) credit post and settle (like direct deposit, social security, or a recurring incoming payment)

* Accurate as of 7/1/2014. When monthly qualifications are met, you receive 3% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $9 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) if qualifications are met within monthly qualification cycle. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Interest Checking

AccountAPY
Interest Checking0.25%

The minimum balance to earn the APY on Interest Checking is $500. Fees could reduce earnings. The credit union may offer other rates in the future.


Certificates of Deposit (CDs)

TermAPY

Balance: $500

APY

Balance: $5,000

APY

Balance: $20,000

APY

Balance: $50,000

6 - 11 months0.05%0.15%0.25%0.35%
12 - 17 months0.15%0.25%0.35%0.45%
18 - 23 months0.20%0.30%0.40%0.50%
24 - 35 months0.35%0.45%0.55%0.65%
36 - 47 months0.65%0.75%0.85%0.95%
48 - 59 months0.90%1.00%1.10%1.20%
60 - 72 months1.15%1.25%1.35%1.45%

These rates are current as of July 1, 2014. APY=Annual Percentage Yield. The minimum balances to open the account and obtain the APY are $500, $5,000, $20,000, and $50,000. Early withdrawal penalties may apply. The credit union may offer other rates in the future. If a CD product is redeemed prior to the date of maturity, the penalty assessed is 90 days of interest.

IRA CD Rates

TermAPY

Balance: $500

APY

Balance: $5,000

APY

Balance: $20,000

APY

Balance: $50,000

6 - 11 months0.05%0.15%0.25%0.35%
12 - 17 months0.15%0.25%0.35%0.45%
18 - 23 months0.20%0.30%0.40%0.50%
24 - 35 months0.35%0.45%0.55%0.65%
36 - 47 months0.65%0.75%0.85%0.95%
48 - 59 months0.90%1.00%1.10%1.20%
60 - 72 months1.15%1.25%1.35%1.45%

These rates are current as of July 1, 2014. APY=Annual Percentage Yield. The minimum balances to open the account and obtain the APY are $500, $5,000, $20,000, and $50,000. Early withdrawal penalties may apply. The credit union may offer other rates in the future. If a CD product is redeemed prior to the date of maturity, the penalty assessed is 90 days of interest.

Money Market Accounts

BalanceAPY
$2,5000.10%
$10,0000.15%
$20,0000.20%
$50,0000.30%
$90,0000.40%

These rates are current as of July 1, 2014. APY=Annual Percentage Yield. The balances set forth above are the minimum opening balances required to earn the APY. Once a balance tier has been met, the APY for that tier will apply to the entire account balance. Fees could reduce earnings. The credit union may offer other rates in the future.

Loans

LoansAPR
Auto (2004-2014)2.89% to 21.00%

Licensed Recreational Vehicles4.75% to 20.75%

Non-Licensed Recreational Vehicles9.00% to 21.00%

Older/Classic Vehicles (10 years or older)9.94% to 21%
Personal Line of Credit/Overdraft11.25%
Personal Loans15.65% to 21.00%
Pledged Share Share Rate + 3.00%
Pledged CDShare Rate + 3.00%
Home Equity Line of Credit*/Variable3.25% to 7.25%
Home Equity*/Fixed4.49% to 9.50%
Express MortgageContact Us
Clean Energy Loans2.25% to 7.50%

VISA Platinum Credit Card/Variable**7.25%
VISA Classic Credit Card/Variable11.25%

These rates are current as of July 1, 2014. APR=Annual Percentage Rate. Sooper Credit Union uses credit based pricing. The rate you pay depends upon your credit history. All applications subject to credit qualification. *During the life of the loan, the maximum APR could be 18%. The estimated aggregate of credit union and third party fees is $802 to $1,300. Interest may be tax deductible. Consult your tax advisor. ** This is an introductory rate. After the first 6 months the rate is a variable rate (prime + 4%). The credit union may offer other rates in the future. Auto Loans: For example, on a new car loan for $10,000 at 5% APR for 60 months, you would make 60 payments of $188.68. Licensed Recreational Vehicles: For example, on a new licensed recreational vehicle loan for $15,000 at 12% APR for 48 months, you would make 48 payments of $394.84.Non-Licensed Recreational Vehicles: For example, on a new non-licensed recreational vehicle loan for $8,000 at 15% APR for 36 months, you make 36 payments of $277.18. Clean Energy Loans: For example, on a Clean Energy Loan for $25,000 at 4% APR for 120 months, you would make 120 payments of $129.00.