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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: 07/01/18 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 5.000% $25 >$0
     Bonus Rate 2 2.000% $25 >$0
    Second Tiered Rate 0.300% $25 >$0
    Base Rate 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 0.100% $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 0.150% $1,000 ≥$1,000.00
$50,000.00-$99,999.99 0.200% $1,000 ≥$50,000.00
$100,000.00-$249,999.99 0.250% $1,000 ≥$100,000.00
$250,000.00-$999,999.99 0.500% $1,000 ≥$250,000.00
$1,000,000.00+ 0.900% $1,000 ≥$1,000,000.00
(eMMSA) Electronic Money Market Share Account4 and (eBMMSA) Electronic Business Money Market Share Account4
Account Balance ANNUAL PERCENTAGE YIELD (APY) MINIMUM DEPOSIT TO OPEN ACCOUNT MINIMUM DAILY BALANCE TO OBTAIN APY
Less than $10,000 0.300% $10,000 >$0
$10,000-$24,999 0.600% $10,000 ≥$10,000.00
$25,000-$49,999 0.700% $10,000 ≥$25,000.00
$50,000-$99,999 0.800% $10,000 ≥$50,000.00
$100,000-$249,999 1.000% $10,000 ≥$100,000.00
$250,000-$999,999 1.250% $10,000 ≥$250,000.00
$1 million and greater 1.550% $10,000 ≥$1,000,000.00
IRA, HSA, Share Certificates
Effective Date: 11/13/191
Account Balance ANNUAL PERCENTAGE YIELD (APY) JUMBO RATE6 MINIMUM DEPOSIT TO OPEN ACCOUNT MINIMUM DAILY BALANCE TO OBTAIN APY
3 month 0.100% 0.350% $500 $500
6 month 0.250% 0.500% $500 $500
12 month 0.450% 0.700% $500 $500
18 month 0.550% 0.800% $500 $500
24 month 0.600% 0.850% $500 $500
36 month 0.900% 1.150% $500 $500
48 month 1.250% 1.500% $500 $500
60 month 1.750% 2.000% $500 $500
7-month Share Certificate Special5 1.700% 1.700% $500 $500

1Rates and terms 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 (50+ for Bonus Rate 1 and 20-49 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 at least 20 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 monthly service 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 $10,000; have at least one electronic deposit of at least $100 post to the account; 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.5APY effective November 13, 2019. Limited time offer only. Rates and terms subject to change without notice. Three month penalty for early withdrawal. Fees could reduce earnings on this account. At maturity, share certificate automatically renews at then 6-month share certificate dividend rate.6Minimum balance of $100,000 is required to earn the jumbo rate. 

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: 09/17/191
Loan Type2 APR2 as low as7
Vehicle Loans 3.990%3
Classic Autos 7.190%
Motorcycles/Moped/ATV's 4.290%
Boats/Jet Ski & RV's-Campers &
Motorhomes & Trailers
5.290%
Other Secured Loans 7.390%
Personal Loans 8.990%4
Checking Line of Credit 12.000%
Student Loans Loan details may be obtained at Student Choice Center website.
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: 11/6/191
Credit Card Programs (5) APR as low as7
MasterCard Standard Credit Cards 13.150%
MasterCard Platinum Credit Cards 10.150%
MasterCard Business Credit Cards
(fixed rate)
9.900%
Home Equity Programs
Effective Date: 09/23/191
Home Equity Line of Credit (HELOC) APR2 as low as7
Fixed Rate HELOC (5 Year Term) 5.340%5
Variable Rate HELOC (10 Year Term) 4.750%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: New auto loan of $20,000.00 (with a $125.00 loan processing fee) for 60-months at 3.99% APR will have a monthly payment of $368.24. Processing fee may increase the APR. 4Payment example: Personal Loan of $20,000.00 (with a $99.00 loan processing fee) for 60-months at 9.20% APR will have a monthly payment of $417.12. Processing fee may increase the APR. 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; however, the maximum rate is 6% 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 5.25% APR, the highest the rate could go during the life of the loan would be 11.25% APR. Property and flood insurance, if applicable, will be required. 7Not all applicants will qualify for the lowest rate.