Alerts

Rates

 Finex credit union members benefit from some of the best rates around – whether you’re saving for retirement or a rainy day, or are looking to buy a home or a car, Finex rates are tough to beat. Check them out today for yourself!

Savings and Investments Rates

 

Featured Share Specials - Effective 12/01/18

Premier Accounts

General Membership

 
  APR APY APR APY
6 Months CD Special NEW MONEY ONLY 1.750%* 1.764%* 1.500%* 1.510%*
9 Months CD Special NEW MONEY ONLY 2.000%* 2.018%* 1.750%* 1.764%*
18 Months CD Special NEW MONEY ONLY 2.400%* 2.427%* n/a n/a
9 & 30 Months IRA CD NEW MONEY ONLY 3.000%* 3.042%* n/a n/a

 

Finex Credit Union Share Account Rates - Effective 12/01/2018

Product Range

Premier Accounts

General Membership
    APR APY APR APY
Prime Share Savings* same rate applies to all club and sub accounts 0.100%* 0.100%* 0.100%* 0.100%*
Axcess High Rate Savings $10,000 - $100,000 2.000% 2.018% 2.000% 2.018%
Axcess High Rate Rewards Checking*** $0.00 - $25,000.00 2.000% 2.018% 1.000% 1.005%
  $25,000.01 - and up 0.200% 0.200% 0.200% 0.200%
  if requirements not met 0.100% 0.100% 0.100% 0.100%
Money Maximizer $2,500.00 - $24,999.99 0.100% 0.100% 0.100% 0.100%
  $25,000.00 - $49,999.99 0.150% 0.150% 0.150% 0.150%
  $50,000.00 and up 0.300% 0.300% 0.300% 0.300%
Advantage Maximizer $50,000.00 and up 1.640% 1.652% n/a n/a

Finex Credit Union CD Rates - Effective 11/15/2018

$1,000 Minimum

Term

Premier Advantage Accounts

General Membership
  APR APY APR APY
6 month 0.750% 0.753% 0.550% 0.551%
12 month 0.850% 0.853% 0.650% 0.652%
18 month 0.950% 0.954% 0.700% 0.702%
24 month 1.140% 1.146% 0.890% 0.894%
36 month 2.470% 2.498% 1.670% 1.683%
48 month 2.720% 2.754% 1.870% 1.886%
60 month 2.910% 2.949% 1.810% 1.825%

Finex IRA Rates* - Effective 12/01/2018

Product Range

Premier Advantage Accounts

General Membership
    APR APY APR APY
IRA Money Maximizer   0.300% 0.300% 0.300% 0.300%
Roth Maximizer   0.300% 0.300% 0.300% 0.300%

* IRA CD Rates Same As Above

*$5 minimum balance is necessary to maintain membership in a savings account. No minimum balance is required for share and club accounts. IRA share rates are the same as the CD rates quoted here. Premier rates – see separate disclosure page linked.**Annual Percentage Yield. Rates are subject to change. Dividend rate and annual percentage yield may change at any time without notice. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day, then compounded and credited every month. Contact memberservices@finexcu.org for CD rates greater $75,000. Federally insured by NCUA. 

*** Axcess High Rate checking 2.018% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 0.20% APY paid on all amounts above $25,000 each cycle the minimum requirements are  met for Premier Account Members. 1.005% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 0.20% APY paid on all amounts above $25,000 each cycle the minimum requirements are  met for General Account Members.   If you do not meet the direct deposit requirements you will assess a monthly direct deposit fee (see fee schedule), however your account will function as a Value checking account earning 0.10% APY.  It will not receive ATM refunds for that period.   Rates as of December 2018. We may change the interest rate and APY at any time after the account is opened. No Minimum Balanced Required. Available to Personal Accounts only. No monthly service charge when requirements are met..  

Featured Loan Rates

Home Equity Line of Credit
Fixed for 2 years

 

Premier Accounts
APR Rates as low as
General Membership
APR Rates as low as
To 80% 4.50% 5.50%
To 90% 7.50% n/a
To 100% 10.75% n/a

APR = Annual Percentage Rate.  Floor Rates apply however waived for initial fixed promotional period.

First Mortgages - Rates as of 12/06/2018

Term Rate Points APR*
30 Year Fixed 4.375% 2 4.60%
30 Year Fixed 4.750% 0 4.81%
15 Year Fixed 3.750% 2 4.15%
15 Year Fixed 4.250% 0 4.35%
5 Year Adjustable 4.125% 0 5.20%

 

Loan Rates for Personalized Lending - Effective 06/15/2018

Secured Loans

(autos, boats, motorcycles, etc)

Term

Premier Accounts
APR Rates as low as

General Membership
APR Rates as low as

24 month 1.99% 3.00%
36 month 2.25% 3.25%
48 month 2.50% 3.50%
60 month 2.75% 3.75%
72 month 3.50% 4.50%
84 month 4.25% 5.25%

 

Unsecured Loans

Term

Premier Accounts
APR Rates as low as…

General Membership
APR Rates as low as…

24 month 8.25% 9.25%
36 month 8.25% 9.25%
48 month 9.50% 10.50%
60 month 10.50% 11.50%
72 month N/A N/A
84 month N/A N/A

Boats & RV loans over $25,000 10 or 15 years is available.  Add 2% to the 60-month rate for 10-year term and 4% to the 60-month rate for the 15-year term.  Model year 2013 and older add 3% to vehicle rates.

Rates above are based on 80% LTV Auto Loans. GAP insurance is required for members with a credit score under 680 or if member is financing over 100% of the vehicles value.  Rates are based on credit history and are subject to change without notice.

Other rates and terms offered on all vehicle loans.


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