Skip to content

APY = Annual Percentage Yield. Rates effective as of 3/1/2018. 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+ 0.10% 0.10%
Holiday Club Account $0.01 0.10% 0.10%
Vacation Club Account $0.01 0.10% 0.10%

Money Market, Regular and IRALearn More

Tier Minimum Balance Rate APY
$0 - $2,499 n/a 0.05% 0.05%
$2,500 - $19,999 $2,500 0.40% 0.40%
$20,000 - $74,999 $20,000 0.55% 0.55%
$75,000+ $75,000 0.70% 0.70%

Certificates of Deposit (CDs), Regular and IRALearn More

Term Minimum Balance Rate APY
6 month $500 0.85% 0.85%
12 month $500 1.35% 1.36%
18 month $500 2.00% 2.02%
24 month $500 2.15% 2.17%
36 month $500 2.25% 2.28%
48 month $500 2.30% 2.33%
60 month $500 2.60% 2.63%

Penalty for early withdrawl.

Home Equity LoansLearn More

Term APR as low as
3 Year 4.49%
5 Year 4.99%
7 Year 5.49%
10 Year 6.49%
  • 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 LoansLearn More

Type Model Year Term APR as low as
New Vehicles 2017 - 2018 Up to 36 months 1.99%
New Vehicles 2017 - 2018 Up to 48 months 2.49%
New Vehicles 2017 - 2018 Up to 60 months 2.99%
New Vehicles 2017 - 2018 Up to 72 months 3.49%
Pre-Owned Vehicles 2014 - 2018 Up to 36 months 2.99%
Pre-Owned Vehicles 2014 - 2018 Up to 48 months 3.49%
Pre-Owned Vehicles 2014 - 2018 Up to 60 months 3.99%
Pre-Owned Vehicles 2015 - 2018 Up to 72 months 4.49%
Older Models 2011 - 2013 Up to 24 months 4.49%
Older Models 2011 - 2013 Up to 36 months 4.99%
  • Discount available for larger down payments.
  • Automobiles must have a minimum finance value of $4,000.

Personal LoansLearn 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 4.44% - 9.75%
  • If you have previously applied for an unsecure 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 CardsLearn More

Type APR
APR for Purchases 10.24% to 21.50%
APR for Balance Transfers 10.24% to 21.50%
APR for Cash Advances 10.24% to 21.50%
Serving the University of Chicago community since 1957