Rates

APY = Annual Percentage Yield. Rates effective as of 05/05/2021. Fees may reduce earnings. Rates are subject to change without notice.

Savings Accounts

Account Minimum Balance Rate APY
Primary Share Savings $5 - $299.99 0.00% 0.00%
Primary Share Savings $300+ 0.05% 0.05%
Holiday Club Account $0.01 0.05% 0.05%
Vacation Club Account $0.01 0.05% 0.05%

Money Market, Regular & IRA Learn More

Tier Minimum Balance Rate APY
$0 - $2,499 $2,500 0.00% 0.00%
$2,500 - $19,999 $2,500 0.10% 0.10%
$20,000 - $74,999 $20,000 0.15% 0.15%
$75,000+ $75,000 0.30% 0.30%

Certificates of Deposit (CDs), Regular and IRA Learn More

Term Minimum Balance Rate APY
6 month $500 0.25% 0.25%
12 month $500 0.30% 0.30%
18 month $500 0.35% 0.35%
24 month $500 0.40% 0.40%
36 month $500 0.50% 0.50%
48 month $500 0.60% 0.60%
60 month $500 0.70% 0.70%

Penalty for early withdrawal.

Home Equity Loans Learn More

Term APR as low as
3 Year 4.49%
5 Year 4.99%
7 Year 5.49%
10 Year 5.84%
  • 85% Loan to value
  • Loan rates are subject to change without prior notice.
  • All rates shown for loans over $50,000. For loans less than $50,000 add 1/2%

Auto Loans Learn More

Type Model Year Term APR as low as
New Vehicles 2020 - 2021 Up to 36 months 1.99%
New Vehicles 2020 - 2021 Up to 48 months 2.24%
New Vehicles 2020 - 2021 Up to 60 months 2.49%
New Vehicles 2020 - 2021 Up to 72 months 2.99%
Pre-Owned Vehicles 2017 - 2020 Up to 36 months 2.99%
Pre-Owned Vehicles 2017 - 2020 Up to 48 months 3.24%
Pre-Owned Vehicles 2017 - 2020 Up to 60 months 3.49%
Pre-Owned Vehicles 2017 - 2020 Up to 72 months 3.99%
Older Models 2014 - 2016 Up to 36 months 3.74%
Older Models 2014 - 2016 Up to 48 months 3.99%
  • Discount available for larger down payments.
  • Automobiles must have a minimum finance value of $4,000.

Personal Loans Learn More

Type Term APR as low as
Share Secured Loan Flexible 6.00%
Unsecured Loan1 24 months 6.49%
Unsecured Loan1 36 months 6.74%
Unsecured Loan1 48 months 6.99%
Student Loans Variable See website
  • If you have previously applied for an unsecured loan in past 6 months and were denied credit, a $25.00 application fee applies.
  • Loan rates are subject to change without prior notice.

1 Discount available for automatic payment option.

VISA Credit Cards Learn More

Type APR
APR for Purchases 8.99% to 20.25%
APR for Balance Transfers 8.99% to 20.25%
APR for Cash Advances 8.99% to 20.25%

Credit Card Disclosures

Serving the University of Chicago community since 1957