Rates & Fees
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Accounts
Rates are effective as of .
| Type | Minimum Balance1 | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| Regular Savings | $5.00 | 0.05% | 0.05% |
| Youth Savings | $5.00 | 0.05% | 0.05% |
| Savings Supreme | $5,000.00 – $9,999.99 | 0.02% | 0.02% |
| $10,000.00 – $24,999.99 | 0.02% | 0.02% | |
| $25,000.00 – $49,999.99 | 0.02% | 0.02% | |
| $50,000.00 – $74,999.99 | 0.05% | 0.05% | |
| $75,000.00 – $99,999.99 | 0.05% | 0.05% | |
| $100,000.00 & Over | 0.05% | 0.05% | |
| Christmas Club | $25.00 | 0.05% | 0.05%2 |
| IRA Savings | $25.00 | 0.05% | 0.05% |
| Kasasa Saver** | $0.00 – $100,000.00 | 3.93% | 4.00% |
| Over $100,000.00 | 0.35% | 0.35% | |
| Qualifications Not Met | 0.02% | 0.02% | |
| Kasasa Cash** | $0.00 – $10,000.00 | 3.45% | 3.50% |
| Over $10,000.00 | 0.35% | 0.35% | |
| Qualifications Not Met | 0.02% | 0.02% |
Disclosures
1 Minimum Balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). The dividend rate and interest rate may change at any time without notice after the account is opened. Fees could reduce earnings. Dividends compounded monthly, except where noted. Ask an employee for further information about fees and terms applicable to the accounts.
2 Requires $5.00 Regular Savings. Dividends compounded quarterly. Cannot be combined with any other offer. Fees could reduce earnings.
** Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. 12 Debit Card Purchases, Monthly Direct Deposit/ACH credit, enrollment in eStatement are conditions of Kasasa Cash or Kasasa Cash Back accounts and the Kasasa Saver’s linked account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Disclosures
*Minimum Balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). The dividend rate and interest rate may change at any time without prior notice. Fees could reduce earnings. A penalty may be imposed for early withdrawals.
**College Saver Certificate available to Youth Savings and Youth Checking members only. Periodic deposits of $25 or more are accepted.
*** Special certificates are not to be combined with any other offer. Penalty for early withdrawal. Fees could reduce earnings.
IRA Certificates
Rates are effective as of .
| Type | Minimum Balance* | Dividend Rate | Annual Percentage Yield (Dividends Compounded Monthly) |
|---|---|---|---|
| 5 Month Special IRA** | $1,000.00 | 3.59% | 3.65% |
| 10 Month Special IRA** | $1,000.00 | 3.49% | 3.55% |
| 6 Month | $500.00 | 0.20% | 0.20% |
| 12 Month | $500.00 | 0.25% | 0.25% |
| 18 Month | $500.00 | 0.25% | 0.25% |
| 24 Month | $500.00 | 0.35% | 0.35% |
| 36 Month | $500.00 | 0.50% | 0.50% |
| 48 Month | $500.00 | 0.60% | 0.60% |
| 60 Month | $500.00 | 0.65% | 0.65% |
Disclosures
*Minimum Balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). The dividend rate and interest rate may change at any time without prior notice. Fees could reduce earnings. A penalty may be imposed for early withdrawals. Ask an employee for further information about fees and terms applicable to the accounts.
**Special certificates are not to be combined with any other offer. Penalty for early withdrawal. Fees could reduce earnings.
Business Accounts
Rates are effective as of .
| Type | Minimum Balance* | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| Core Business Savings | $5.00 | 0.05% | 0.05% |
| Partner Business Checking | $1,000.00 and over | 0.05% | 0.05% |
| Business Money Market** | $25.00 - $49,999.99 | 1.00% | 1.00% |
| $50,000.00 - $99,999.99 | 1.24% | 1.25% | |
| $100,000.00 - $249,999.99 | 1.49% | 1.50% | |
| $250,000.00+ | 1.74% | 1.75% |
Disclosures
*Business Members requires a $5.00 Core Business Savings. Partner Business Checking has a minimum opening deposit of $1,000; minimum combined average daily balance to waive the $20.00 monthly service fee is $25,000. Rates are subject to change at any time without notice.
**Minimum opening deposit $25.00. Rates are subject to change at any time without notice.
Consumer Loans
Rates are effective as of .
| Product | Term | Note Rate | Annual Percentage Rate | Description | Payment Per $1,000 |
|---|---|---|---|---|---|
| Auto Loan - Model Years 2023 or later(1) | Up to 60 Months | 4.990% | 4.990% | Up to 100% loan-to-value | $18.79 |
| Up to 72 Months | 4.990% | 4.990% | Up to 100% loan-to-value | $16.03 | |
| Up to 84 Months | 6.240% | 6.240% | Up to 100% loan-to-value | $14.65 | |
| Auto Loan - Model Years 2021-2022(1) | Up to 60 months | 4.990% | 4.990% | Up to 95% loan-to-value | $18.79 |
| Up to 72 months | 4.990% | 4.990% | Up to 95% loan-to-value | $16.03 | |
| Auto Loan - Model Years 2019-2020(1) | Up to 48 months | 4.990% | 4.990% | Up to 90% loan-to-value | $22.93 |
| Up to 60 Months | 4.990% | 4.990% | Up to 90% loan-to-value | $18.79 | |
| Personal Loan – Unsecured(2) | Up to 24 months | 7.990% | 7.990% | Up to $15,000 | $44.92 |
| Up to 36 months | 8.990% | 8.990% | Up to $15,000 | $31.56 | |
| Up to 48 months | 8.990% | 8.990% | Up to $15,000 | $24.70 | |
| Up to 60 months | 10.000% | 10.000% | Up to $15,000 | $21.07 | |
| Up to 72 months | 11.000% | 11.000% | Up to $15,000 | $18.86 | |
| Up to 84 months | 12.000% | 12.000% | Up to $15,000 | $17.47 | |
| Personal Loan – Savings Secured(3) | Up to 84 months | 3.000% above rate paid on account | 3.000% above rate paid on account | Up to 90% collateral value | Variable |
Disclosures
Auto Loans – all model years
(1) Rates are based on credit score and may vary. Rates shown reflects a loan amount of $25,000 and a credit score of 700 or greater on a 60-month term with automatic payment from an Alltrust Credit Union checking account. Used vehicle financing available for models aged 4–7 years with maximum mileage eligibility of 100,000 miles. Financing of Vehicle Tax, Title, and Registration available. Applicable to retail consumer auto loans only. $5 Regular Savings required. Subject to credit approval. Other restrictions may apply. Rates and loan terms may change at any time without notice.
Personal Loan – Unsecured
(2) Annual Percentage Rates (APR) are based on credit score and may vary. Rates shown reflect a loan amount of $15,000 and a credit score of 740 or greater with automatic payment from an Alltrust Credit Union checking account. $5 Regular Savings required. Subject to credit approval. Other restrictions may apply. Rates may change at any time without notice.
Personal Loan – Savings Secured
(3) A 3.000% Annual Percentage Rate (APR) is added to the Annual Percentage Yield (APY) of a Savings Account or Share Certificate. Example: 3.000% APR added to Deposit APY of 1.250% = 4.250% APR. $5 Regular Savings required. Subject to credit approval. Other restrictions may apply. Rates may change at any time without notice.
Mortgage Loans
Please call to discuss your mortgage options:
Felicia Andrade
Mortgage Specialist
NMLS #1197102
Call: 508.984.3683
Email: mortgages@alltrustcu.com
Home Equity Loans & Lines of Credit
Rates are effective as of .
| Product | Term | Annual Percentage Rate (as low as) | Payments Per $1,000 |
|---|---|---|---|
| Introductory Fixed-Rate Home Equity Line of Credit1 | Up to 25 years | 5.990% fixed introductory APR for the first 12 months followed by a variable rate as low as Prime minus 0.50% | Varies based on balance. Minimum monthly payment during draw period: $10.00 |
| Home Equity Line of Credit2 | N/A | 6.000% | Varies based on balance. Minimum monthly payment during draw period: $10.00 |
| Home Equity Loan3 | 5 years | 6.250% | $19.45 |
| 10 years | 6.750% | $11.48 | |
| 15 years 5/6 SOFR ARM | 6.000% | $8.44 |
Disclosures
1 APR is annual percentage rate and is accurate as April 17, 2026. APR noted applies to combined loan to value less than 80%. Introductory HELOC available for new lines only; existing Alltrust Credit Union Home Equity Loans or Home Equity Lines of Credit cannot be refinanced for this promotion. After the introductory period, the APR may vary monthly and will be based on the Prime Rate as listed in The Wall Street Journal (Prime) minus a margin. After the introductory period the rate will be set at Prime minus 0.50%; maximum APR will not exceed 18.00% or be less than 4.00%. Minimum $35,000 draw required at closing and must be maintained for 180 days to receive Introductory rate. Consult your tax advisor regarding the deductibility of interest. To open and maintain a line of credit, the following fees apply: Application fee: $0.00 (due at application); Points 0.00% of credit limit (due when account is opened). Fees charged to the customer will apply under the following circumstances: Annual Maintenance Fee of $100.00; Early Termination Fee of $500 or 2.00% of the line, whichever is less, if the line is closed within 3 years from the note date; Third-party fees may apply: Appraisal Fee, Power of Attorney, Revocable Trust Agreement or other legal documents will be required to be reviewed by the Credit Union’s Attorney and recorded as part of the closing. Borrower will pay all fees related to this review and recording. Appraisal fees are generally between $350-$850 depending on property and appraisal type. Legal fees generally total between $0 and $500. Minimum line amount $35,000. Subject to credit approval. Other terms and conditions apply. Terms subject to change without notice. Rates may change at any time without notice.
2 APR is annual percentage rate and is accurate as April 17, 2026. Rate indicated requires automatic payment from an Alltrust Credit Union checking account. APR noted applies to combined loan to value less than 80%. APR may vary monthly and will be based on the Prime Rate as listed in The Wall Street Journal (Prime) minus 0.500%; maximum APR will not exceed 18.00% or be less than 4.00%. Minimum line amount $35,000. Maximum line amount $175,000. Consult your tax advisor regarding the deductibility of interest. To open and maintain a line of credit, the following fees apply: Application fee: $0.00 (due at application); Points 0.00% of credit limit (due when account is opened). Fees charged to the customer will apply under the following circumstances: Annual Maintenance Fee of $100.00; Early Termination Fee of $500 or 2.00% of the line, whichever is less, if the line is closed within 3 years from the note date; Third-party fees may apply: Appraisal Fee, Power of Attorney, Revocable Trust Agreement or other legal documents will be required to be reviewed by the Credit Union’s Attorney and recorded as part of the closing. Borrower will pay all fees related to this review and recording. Appraisal fees between $350-$850 may be required depending on comparison of estimated market value to actual market value. Legal fees generally total between $0 and $500. Subject to credit approval. Other terms and conditions apply. Terms subject to change without notice. Rates may change at any time without notice.
3 APR is annual percentage rate. APR indicated requires auto pay from an Alltrust Credit Union personal checking account. The 15 Year 5/6 SOFR ARM is fixed for the first 5 years then adjusts every 6 months to the 30-day average SOFR index plus 3.00%. APR reflected is for a loan amount of $35,000 with a combined loan to value up to 80% on a 1-4 family primary residence or 1 unit second home. Minimum 700 FICO score required. Maximum 45% maximum debt to income ratio. Payment does not include taxes and insurance premiums therefore payment obligation will be greater. Real Estate Taxes and Property insurance is required. Flood insurance where required by law. Borrower responsible for real estate taxes and property insurance. All loans are subject to credit approval. Rates may change at any time without notice.
Fee Schedule
Fees are effective as of November 1, 2025.
| Item | Cost |
|---|---|
| Account Activity Printout | $3.00 |
| Account Closure (within 30 days of opening) | $20.00 |
| ATM Withdrawal Fee (each – after 8 per month) | $2.00 |
| Cancelled Check Copy (each) | $5.00 |
| Check Order1 | Varies |
| Debit Card Replacement (additional charges will apply for rush orders) | $25.00 |
| Duplicate Discharge | $150.00 |
| Duplicate Release of Lien | $10.00 |
| Early Withdrawal (Club Account) | $5.00 |
| Escheat/Abandoned Property | $75.00 |
| Foreign Check Collection | $30.00 |
| Inactive Account (monthly – no activity in 12 months) | $5.00 |
| IRA Plan Fee (annual) | $15.00 |
| IRA Transfer | $25.00 |
| Loan Payment Recast Fee | $500.00 |
| Money Order | $5.00 |
| Negative Account Balance (monthly) | $10.00 |
| Nonsufficient Funds Fee (each) | $32.00 |
| – Senior & Youth Checking | $5.00 |
| Official Check | $5.00 |
| Online Loan Payment | $6.95 |
| Online Loan Payment Failure to Post | $20.00 |
| Overdraft Transfer Fee (each) | $10.00 |
| – Senior & Youth Checking | $5.00 |
| Overdraft Privilege Fee | $32.00 |
| – Senior & Youth Checking | $5.00 |
| Paper Statement | $2.00 |
| Partial Release of Lien | $250.00 |
| Phone Transfer Fee (each) | $2.00 |
| Research/Account Reconciliation (per hour; $30 minimum)2 | $30.00 |
| Returned Deposited Item – Non-Member | $7.00 |
| Returned Deposited Item – Member or Business | $25.00 |
| Returned Mail Fee (monthly) | $5.00 |
| Safe Deposit Box Yearly Rental Fee (based on availability) | |
| 3” x 5” safe deposit box | $40.00 |
| 5” x 5” safe deposit box | $50.00 |
| 3” x 10” safe deposit box | $55.00 |
| 5” x 10” safe deposit box | $75.00 |
| 6” x 10” safe deposit box | $85.00 |
| 10” x 10” safe deposit box | $110.00 |
| Safe Deposit Drilling Fee | $200.00 |
| Safe Deposit Key Replacement (per key) | $30.00 |
| Statement Copy (each) | $5.00 |
| Stop Payment Request (each) | |
| – Official Checks | $32.00 |
| – Money Orders | $32.00 |
| – Personal/Business Check | $32.00 |
| – ACH | $32.00 |
| Subordination Fee | $150.00 |
| Tax Form Reprint | $3.00 |
| Tax Levy/Attachment | $75.00 |
| Temporary Checks (per sheet) Free for Senior Checking | $3.00 |
| Uncollected Funds Fee (each) | $32.00 |
| Wire Transfer - Incoming | |
| – Domestic | $20.00 |
| – International | $30.00 |
| Wire Transfer - Outgoing | |
| – Domestic | $30.00 |
| – International | $45.00 |
Disclosures
1 A check order fee is automatically deducted from your Checking Account depending on the style of checks ordered. As with all charges, this fee is reflected on your monthly statement.
2 Should research of your account indicate an error made by this Credit Union, there will be no charge for this service.