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Saving and loan rates.

As a member of Interra Credit Union, you are able to receive competitive saving and loan rates to help you meet and exceed your financial goals. 

Savings Products
Effective Date: 04/01/22 1
Account Type Annual Percentage Yield (APY) Minimum Deposit to Open Account Minimum Daily Balance to Obtain APY
Member Share Savings 0.050% $52 >$0
Share Savings 0.050% $5 >$0
Flex Checking3
     Bonus Rate 1 1.2500% $25 >$0
     Bonus Rate 2 0.500% $25 >$0
    Second Tiered Rate 0.150% $25 >$0
    Base Rate 0.010% $25 >$0
Regular Checking 0.010% $25 >$0
Sign & Save Savings 0.100% $0 >$0
Christmas Club 0.100% $0 >$0
Kids Club 0.100% $5 >$0
HSA Savings 0.100% $52 >$0
HSA Checking 0.250% $25 >$0
IRA Savings 0.050% $52 >$0
(MMSA) Money Market Share Accounts
Account Balance ANNUAL PERCENTAGE YIELD (APY) MINIMUM DEPOSIT TO OPEN ACCOUNT MINIMUM DAILY BALANCE TO OBTAIN APY
$1,000.00-$49,999.99 0.050% $1,000 ≥$1,000.00
$50,000.00-$99,999.99 0.100% $1,000 ≥$50,000.00
$100,000.00-$249,999.99 0.150% $1,000 ≥$100,000.00
$250,000.00-$999,999.99 0.200% $1,000 ≥$250,000.00
$1,000,000.00+ 0.350% $1,000 ≥$1,000,000.00
(eMMSA) Electronic Money Market Share Account4 and (eBMMSA) Electronic Business Money Market Share Account4,5
Account Balance ANNUAL PERCENTAGE YIELD (APY) MINIMUM DEPOSIT TO OPEN ACCOUNT MINIMUM DAILY BALANCE TO OBTAIN APY
Less than $100,000 0.050% $100,000 >$0
$100,000-$249,999 0.500% $100,000 ≥$100,000.00
$250,000-$499,999 0.600% $100,000 ≥$250,000.00
$500,000-$999,999 0.750% $100,000 ≥$500,000.00
$1 million and greater 1.050% $100,000 ≥$1,000,000.00
IRA, HSA, Share Certificates
Effective Date: 08/16/221,5
Account Balance ANNUAL PERCENTAGE YIELD (APY) MINIMUM DEPOSIT TO OPEN ACCOUNT MINIMUM DAILY BALANCE TO OBTAIN APY
3 month 0.050% $500 $500
6 month 0.100% $500 $500
12 month 0.100% $500 $500
18 month 0.150% $500 $500
24 month 0.200% $500 $500
36 month 0.250% $500 $500
48 month 0.300% $500 $500
60 month 0.450% $500 $500
11 month Share Certificate Special 6,7 3.300% $500 $500
22 month - Inflation Buster Variable Rate Option 6,8 3.1000% $500 $500

1Rates and terms are subject to change without notice. Fees charged against the account may reduce earnings. Penalties: A penalty may be imposed for early withdrawal of all or part of an IRA, HSA, Share Certificate, or Share Certificate special. 2The Par value of a membership share in this credit union is $5.00. 3Flex Checking qualifications include: enrollment in eStatements and have at least one direct deposit or automatic debit post and clear your account per qualification cycle. Additionally, on balances up to $10,000 earn the APY for Bonus Rate 1 or Bonus Rate 2 based on the number of debit card purchases that post and clear your account per qualification cycle (25+ for Bonus Rate 1 and 10-24 for Bonus Rate 2). On the portion of your daily balance over $10,000, earn the APY for the Second Tiered Rate when you also have 10 debit card purchases post and clear the account per qualification cycle. The monthly statement will reflect a blended APY if you have balances in different tiers. If monthly qualifications are not met, you will still earn the Base Rate. 4A maintenance fee, as disclosed in the credit union’s fee schedule, will be imposed each month if you do not meet all of the following criteria: maintain an average daily balance of at least $100,000, have an Interra Credit Union checking account in good standing, and enroll in online banking and eStatements. The dividend rate and annual percentage yield are variable based on tiered balance and paid at the tiered rates on the portion of your balance within each tier. The monthly statement will reflect a blended APY if you have balances in different tiers. 5Rates not available for public funds. Annual Percentage Yield (APY). 6Annual Percentage Yield (APY). Share Certificate Special and Inflation Buster available to all members of Interra, including Public Funds. Minimum to open and earn dividends is $500; maximum is $5 million. New money only to open the share certificate; money from existing Interra accounts will not qualify. Penalties apply for early withdrawals. Fees may reduce earnings. Rates are expressed as an APY and are subject to change without notice. This offer may end at any time without notice. Must have an Interra membership account to purchase share certificates. Membership Qualifications apply. 7Upon maturity this share certificate will automatically renew at a 12-month term at the then prevailing APY for that term. The variable dividend rate and APY is tied to the high-end of the Federal Fund Targeted Rate as published by Wall Street Journal and will increase the same percentage and as often during the term of the certificate, up to a maximum 6.00% APY. Penalties apply for early withdrawals. Fees may reduce earnings. Rates are expressed as an APY and are subject to change without notice. This offer may end at any time without notice. Must have an Interra membership account to purchase share certificates. Membership Qualifications apply. 8Only one (1) Inflation Buster share certificate permitted per member based on tax identification number. Upon maturity this share certificate will automatically renew at a 24-month term at the then prevailing APY for that term. The variable dividend rate and APY is tied to the high-end of the Federal Fund Targeted Rate as published by Wall Street Journal and will increase the same percentage and as often during the term of the certificate, up to a maximum 6.00% APY.

For certificates, you must maintain a minimum daily balance of $500 in your account each day to obtain the disclosed annual percentage yield.

Consumer Loans
Effective Date: 08/15/221
Loan Type2 APR2 as low as7
Vehicle Loans8 4.190%3
Classic Autos 7.690%
Motorcycles/Mopeds/ATVs/Jet Skis/Snowmobiles 4.990%
Boats & RVs-Campers &
Motorhomes & Trailers
5.490%
Other Secured Loans 7.990%
Personal Loans 8.990%4
Checking Line of Credit 12.000%
Student Loans Loan details may be obtained at www.studentchoice.org
Share Secured Loans The APR will be equal to 3% above the APY of the account you are providing as security.
MasterCard® Credit Cards
Effective Date: 6/19/20201
Credit Card Programs (5) APR as low as7
MasterCard Standard Credit Card 8.250%
MasterCard Elite Credit Card 11.250%
MasterCard Business Credit Cards
(fixed rate)
9.900%
Home Equity Programs
Effective Date: 7/29/221
Home Equity Line of Credit (HELOC) APR2 as low as7
Fixed Rate HELOC (5 Year Term) 6.50%5
Variable Rate HELOC (10 Year Term) 5.50%6

For Residential Mortgage Loans rate and program information click the button below. 

For Commercial, Agribusiness, and Agribusiness Mortgage loans, contact us today to get a personal quote.


Residential Mortgage

1Programs, rates, terms, and conditions are subject to change without notice. All loans are subject to credit approval and collateral review, as applicable. 2Annual Percentage Rate (APR) may vary based on credit qualification, loan amount, and loan term. 3Payment example: A new auto loan of $25,000.00 for 60-months at 4.19% APR will have a monthly payment of $462.56. With a $125.00 loan processing fee, the APR increases to 4.39% and a monthly payment of $464.87. 4Payment example: A personal loan of $20,000.00 for 72 months at 7.49% APR will have a monthly payment of $345.71. With a $99.00 loan processing fee, the APR increases to 7.67% and a monthly payment of $347.42. 5APR may vary depending on your credit history. Property and flood insurance, if applicable, will be required. 6APR may vary depending on your credit history. The variable rate home equity product may fluctuate monthly and is subject to both increase and decrease. The variable rate is subject to a minimum rate of 3.50% APR and the maximum rate is 6% APR above the initial rate.  The variable rate product rate is based on the Prime Rate as published in the Wall Street Journal, plus a margin. For example, if you opened a HELOC at 5.75% APR, the highest the rate could go during the life of the loan would be 11.75% APR. Property and flood insurance, if applicable, will be required. 7Not all applicants will qualify for the lowest rate. 8Maximum vehicle age of 15 years or 2007.