Rates & Fees
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Accounts
Rates are effective as of .
| Type | Minimum Balance1 | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| Regular Savings | $5 | 0.05% | 0.05% |
| Youth Savings | $5 | 0.05% | 0.05% |
| Savings Supreme | $5,000 – $9,999.99 | 0.02% | 0.02% |
| $10,000 – $24,999.99 | 0.02% | 0.02% | |
| $25,000 – $49,999.99 | 0.05% | 0.05% | |
| $50,000 – $74,999.99 | 0.05% | 0.05% | |
| $75,000 – $99,999.99 | 0.10% | 0.10% | |
| $100,000 & Over | 0.10% | 0.10% | |
| Christmas Club | $25 | 0.05% | 0.05%2 |
| IRA Savings | $25 | 0.05% | 0.05% |
| Money Market Savings | $25 – $999.99 | 0.02% | 0.02% |
| $1,000 – $4,999.99 | 0.02% | 0.02% | |
| $5,000 – $9,999.99 | 0.05% | 0.05% | |
| $10,000 – $24,999.99 | 0.10% | 0.10% | |
| $25,000 – $49,999.99 | 0.10% | 0.10% | |
| $50,000 – $74,999.99 | 0.10% | 0.10% | |
| $75,000 – $99,999.99 | 0.15% | 0.15% | |
| $100,000 & Over | 0.15% | 0.15% | |
| Platinum Checking2 | $5,000 – $9,999.99 | 0.02% | 0.02% |
| $10,000 & Over | 0.05% | 0.05% |
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 daily and credited monthly. Cannot be combined with any other offer. Fees could reduce earnings.
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 available for new money only; money not currently on deposit at Alltrust Credit Union. Cannot be combined with any other offer; Platinum Checking rate increase cannot be applied to special/promotional CDs or IRAs. 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) |
|---|---|---|---|
| 11 Month Special IRA** | $5,000 | 3.45% | 3.50% |
| 13 Month Special IRA** | $15,000 | 4.65% | 4.75% |
| 6 Month | $500 | 0.20% | 0.20% |
| 12 Month | $500 | 0.25% | 0.25% |
| 18 Month | $500 | 0.25% | 0.25% |
| 24 Month | $500 | 0.35% | 0.35% |
| 36 Month | $500 | 0.55% | 0.55% |
| 48 Month | $500 | 0.65% | 0.65% |
| 60 Month | $500 | 0.70% | 0.70% |
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 IRAs are available for new money only; money not currently on deposit at Alltrust Credit Union. Cannot be combined with any other offer; Platinum Checking rate increase cannot be applied to special/promotional CDs or IRAs. 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 | 0.05% | 0.05% |
| Partner Business Checking | $1,000 - $9,999.99 | 0.05% | 0.05% |
| $10,000 & Over | 0.35% | 0.35% | |
| Business Money Market** | $5,000 - $9,999.99 | 0.25% | 0.25% |
| $10,000 - $24,999.99 | 0.35% | 0.35% | |
| $25,000 - $49,999.99 | 0.50% | 0.50% | |
| $50,000 - $99,999.99 | 0.60% | 0.60% | |
| $100,000+ | 0.70% | 0.70% |
Disclosures
*Business Members requires a $5.00 Core Business Savings. Partner Business Checking has a minimum opening deposit of $1,000; minimum average daily balance to waive the $20.00 monthly service fee is $10,000. Rates are subject to change at any time without notice.
**Minimum opening deposit $25.00. Balances below $5,000 will not earn interest. Rates are subject to change at any time without notice.
Consumer Loans
Rates are effective as of .
| Product | Term | Annual Percentage Rate | Description | Payment Per $1,000 |
|---|---|---|---|---|
| Personal Loan – Unsecured | Up to 84 months | 8.990% | Up to $20,000 | $16.08 |
| Personal Loan – Savings Secured* | Up to 84 months | 3.000% above rate paid on account | Up to 90% collateral value | Variable |
| Auto Loan New (Model Year 2022–2023)** | Up to 84 months | 5.375% | Up to 100% loan-to-value | $14.31 |
| Auto Loan Used (Model Year 2020–2021)** | Up to 72 months | 5.375% | Up to 95% loan-to-value | $16.28 |
| Auto Loan Used (Model Year 2018–2019)** | Up to 60 months | 5.375% | Up to 90% loan-to-value | $19.04 |
| Auto Loan Used (Model Year 2016–2017)** | Up to 48 months | 5.625% | Up to 85% loan-to-value | $23.31 |
Disclosures
Annual Percentage Rate (APR) is based on credit score and may vary. Rates shown reflect a credit score of 700 or greater with automatic payment from an Alltrust Credit Union checking account. $5 Regular Savings required. Subject to Credit Approval. Rates may change at any time without notice.
*3.000% 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.
**Applicable to retail consumer auto loans only. For business auto loans, please call for rates and terms.
Fixed-Rate Mortgage Loans
Jumbo – Fixed Rate
Adjustable-Rate Mortgage (ARM)
Jumbo – ARM
Government Programs
Other mortgage rates and terms available. Contact our mortgage team for details.
Home Equity Loans & Lines of Credit
Rates are effective as of .
| Product | Term | APR (as low as) | Payments Per $1,000 |
|---|---|---|---|
| Introductory Fixed-Rate Home Equity Line of Credit* | Up to 25 years | 5.990% fixed introductory APR for the first year* followed by a variable rate as low as 7.250% | Varies based on balance Minimum monthly payment during draw period: $10.00 |
| Home Equity Line of Credit** | N/A | 7.250% | Varies based on balance Minimum monthly payment during draw period: $10.00 |
| Home Equity Loan*** | 5 years | 6.000% | $19.33 |
| 10 years | 6.250% | $11.23 | |
| 15 years | 6.500% | $8.71 | |
| 20 years | 6.750% | $8.85 |
Disclosures
* APR is Annual Percentage Rate. APR noted applies to combined loan to value less than or equal to 80%. Rate indicated requires automatic payment from an Alltrust Credit Union personal checking account. After the introductory period, the Annual Percentage Rate (APR) may vary monthly and will be based on the Prime Rate as listed in The Wall Street Journal (Prime) plus a margin. After the introductory period the rate will be set to Prime; maximum APR will not exceed 18.00% or be less than 7.50%. Minimum line amount of $35,000 required. Minimum $35,000 draw required at closing and must be maintained for 180 days to receive Promo rate. Consult your tax advisor regarding the deductibility of interest. No application fee to apply. Subject to credit approval. Other terms and conditions apply. Terms and rate subject to change without notice.
** APR is Annual Percentage Rate. APR noted applies to combined loan to value less than 80%. Rate indicated requires automatic payment from an Alltrust Credit Union personal checking account. Annual Percentage Rate (APR) will vary monthly if the Prime Rate changes but will not exceed 18.00% or be less than 7.50%. Current Prime Rate available on the Wall Street Journal. Consult your tax advisor regarding the deductibility of interest. Minimum line amount $35,000. No application fee to apply. Subject to credit approval. Other terms and conditions apply. Terms and rate subject to change without notice.
*** APR is annual percentage rate and requires auto pay from an Alltrust Credit Union personal checking account. Rate 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 660 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 February 1, 2023.
| Item | Cost |
|---|---|
| Account Activity Printout | $2.00 |
| Account Closure (within 90 days of opening) | $5.00 |
| ATM Withdrawal Fee (each – after 8 per month) | $2.00 |
| Cancelled Check Copy (each) | $3.00 |
| Check Order1 | Varies |
| Debit Card Replacement (additional charges will apply for rush orders) | $20.00 |
| Duplicate Discharge | $150.00 |
| Duplicate Release of Lien | $10.00 |
| Early Withdrawal (Club Account) | $5.00 |
| Escheat/Abandoned Property | $50.00 |
| 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 |
| Returned Mail Fee (monthly) | $5.00 |
| Money Order | $4.00 |
| Negative Account Balance (monthly) | $10.00 |
| Nonsufficient Funds Fee (each) | $30.00 |
| – Senior & Youth Checking | $5.00 |
| Official Check | $5.00 |
| Online Loan Payment | $6.95 |
| Overdraft Transfer Fee (each) | $10.00 |
| – Senior & Youth Checking | $5.00 |
| Overdraft Privilege Fee | $30.00 |
| – Senior & Youth Checking | $5.00 |
| Paper Statement | $2.00 |
| Phone Transfer Fee (each) | $2.00 |
| Research/Account Reconciliation (per hour; $30 minimum)2 | $30.00 |
| Returned Deposited Item – Non-Member | $8.41 |
| Returned Deposited Item – Member or Business | $25.00 |
| Safe Deposit Key Replacement (per key) | $30.00 |
| Safe Deposit Drilling Fee | $200.00 |
| Statement Copy (each) | $5.00 |
| Stop Payment Request (each) | |
| – Official Checks | $30.00 |
| – Money Orders | $30.00 |
| – Personal/Business Check | $30.00 |
| – ACH | $30.00 |
| Subordination Fee | $150.00 |
| Tax Levy/Attachment | $75.00 |
| Uncollected Funds Fee (each) | $30.00 |
| Incoming Wire Transfer | |
| – Domestic | $20.00 |
| – International | $30.00 |
| Outgoing Wire Transfer | |
| – Domestic | $30.00 |
| – International | $40.00 |
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.