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Deposit Rates

Allegiance Credit Union (ACU) CDs have tiered APYs based on deposit levels of $500, $10k, $50k, and $100k. The 24-, 36-, and 48-month CDs currently offer competitive rates on deposits of $100k and above. These rates have been in effect for about four months.

Personal CD

Banks often launch some short-term high-rate plans, like a 2.7% interest rate for a three-month time deposit. However, most of these will have certain restrictions like minimum deposit amount, term. PurePoint Financial (Member FDIC): PurePoint's rates are on par with the best CDs on our list, but its $10,000 minimum deposit could be a major drawback for more modest savers. Certificates of deposit are a good option for savers looking to conservatively generate income. Check out the top CD rates from the Best Banks of 2020. For short-term CDs with terms under two years, the top rate continues to be 1.02% APY at Advancial Credit Union. This has a minimum deposit requirement of $50k and a term of 18 months. NASA Federal Credit Union continued its three CD specials into February. These include a 49-month CD (0.90%), a 15-month CD (0.80%), and a 9-month CD (0.75%).

Term	APY*	Interest Rate	Initial Deposit
6 Month Promo CD	0.250%	0.250%	$500
12 Month Promo CD	0.300%	0.299%	$500
24 Month Promo CD	0.400%	0.399%	$500
60 Month Promo CD	0.700%	0.698%	$500
3 Month CD	0.050%	0.050%	$500
6 Month CD	0.100%	0.100%	$500
18 Month CD	0.200%	0.199%	$500
1 Year CD	0.150%	0.149%	$500
2 Year CD	0.250%	0.249%	$500
3 Year CD	0.300%	0.299%	$500
4 Year CD	0.350%	0.349%	$500
5 Year CD	0.450%	0.449%	$500

A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage Yield
Rates valid for Saturday, March 6, 2021.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Money Market Checking Account

Balance	APY*	Interest Rate
0-2,499	0.000%	0.000%
2,500-24,999	0.050%	0.049%
25,000-49,999	0.100%	0.099%
50,000-99,999	0.100%	0.099%
100,000+	0.100%	0.099%

Money Market Savings Account

Balance	APY*	Interest Rate
0-2,499	0.000%	0.000%
2,500-24,999	0.100%	0.099%
25,000-49,999	0.150%	0.149%
50,000-99,999	0.150%	0.149%
100,000+	0.200%	0.199%

*APY - Annual Percentage Yield
Rates valid for Saturday, March 6, 2021.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Share Savings Account

Balance	APY*	Interest Rate
0 - 299	0.000%	0.000%
300+	0.100%	0.099%

Secondary Savings Account

Balance	APY*	Interest Rate
0-299	0.000%	0.000%
300+	0.100%	0.099%

Central Cents Savings Account

Balance	APY*	Interest Rate
0.01+	0.100%	0.099%

Choice Savings Account

Balance	APY*	Interest Rate
0 - 1,499	0.100%	0.099%
1,500+	0.150%	0.149%

Youth Savings Account

Balance	APY*	Interest Rate
0-299	0.050%	0.049%
300-1,499	0.100%	0.099%
1,500+	0.150%	0.149%

Health Savings Account

Balance	APY*	Interest Rate
0 - 2,499	0.150%	0.149%
2,500 - 24,999	0.150%	0.149%
25,000+	0.150%	0.149%

Medical Savings Account

Balance	APY*	Interest Rate
0 - 2,499	0.100%	0.099%
2,500 - 24,999	0.100%	0.099%
25,000+	0.100%	0.099%

Coverdell Education Savings Account

Balance	APY*	Interest Rate
0 - 299	0.100%	0.099%
300+	0.150%	0.149%

Idaho First-Time Home Buyer Savings

Balance	APY*	Interest Rate
0-2,499	0.150%	0.149%
2,500-24,999	0.150%	0.149%
25,000+	0.150%	0.149%

*APY - Annual Percentage Yield
Rates valid for Saturday, March 6, 2021.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

IRA Savings Account

Balance	APY*	Interest Rate
0 - 299	0.100%	0.099%
300+	0.150%	0.149%

IRA Money Market Savings Account

Balance	APY*	Interest Rate
0-2,499	0.050%	0.049%
2,500-24,999	0.100%	0.099%
25,000-49,999	0.150%	0.149%
50,000-99,999	0.200%	0.199%
100,000+	0.250%	0.249%

IRA Certificate of Deposit Account

Term	APY*	Interest Rate	Initial Deposit
6 Month Promo CD	0.250%	0.250%	$500
12 Month Promo CD	0.300%	0.299%	$500
24 Month Promo CD	0.400%	0.399%	$500
60 Month Promo CD	0.700%	0.698%	$500
3 Month CD	0.050%	0.050%	$500
6 Month CD	0.100%	0.100%	$500
1 Year CD	0.150%	0.149%	$500
18 Month CD	0.200%	0.199%	$500
2 Year CD	0.250%	0.249%	$500
3 Year CD	0.300%	0.299%	$500
4 Year CD	0.350%	0.349%	$500
5 Year CD	0.450%	0.449%	$500

A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage Yield
Rates valid for Saturday, March 6, 2021.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Loan Rates

Auto Rates

Age of Vehicle	Loan Term	Interest Rate*
2018 or newer	36 months	2.390%
2018 or newer	48 months	2.840%
2018 or newer	60 months	2.890%
2018 or newer	72 months	3.190%
2018 or newer	84 months	4.190%
2015-2017	48 months	3.040%
2015-2017	60 months	3.090%
2015-2017	72 months	3.390%
2015-2017	84 months	4.450%
2012-2014	48 months	3.490%
2009-2011	48 months	4.790%

Best Deposit Rates Of Interest

Small Recreational Vehicles

Age of Vehicle	Loan Term	Interest Rate*
2018 or newer	48 months	4.440%
2018 or newer	72 months	5.440%
2018 or newer	84 months	6.200%
2015-2017	36 months	5.490%

Best Deposit Rates

Large Recreational Vehicles

Age of Vehicle	Loan Term	Interest Rate*
2018 or newer	120 months	4.340%
2018 or newer	144 months	4.790%

Street Motorcycle

Age of Vehicle	Loan Term	Interest Rate*
2018 or newer	60 months	3.990%
2015-2017	60 months	6.290%
2011-2014	60 months	6.440%

*The annual percentage rates listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria.
Rates valid for Saturday, March 6, 2021.

Visa Credit Cards

Type	APR*	Grace Period for Purchases	Annual Fee
Premier Rewards	Variable rate as low as 12.74%	20 to 25 days	None
Rewards	Variable rate as low as 8.74%	20 to 25 days	None
Variable-Rate Platinum	Variable rate as low as 7.74%	20 to 25 days	None
Fixed-Rate Platinum	Fixed rate as low as 13.99%	20 to 25 days	None

*APR - Annual Percentage Rate
Rates valid for Saturday, March 6, 2021.

Signature Loans

Rate*	Loan Term
8.890%	12 Months
8.890%	24 Months
9.590%	36 Months
9.790%	48 Months
9.990%	60 Months
10.490%	72 Months

Share Secured Loans

Type	Rate*
Share Secured	3.900%
CD Secured	3.900%

*The annual percentage rates listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria.
Rates valid for Saturday, March 6, 2021.

Home Equity Loans

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Type	Rate*	APR
Home Equity Line of Credit	3.250%	3.250%

*The annual percentage rates listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria.
Rates valid for Saturday, March 6, 2021.

Home Loans

APPLY NOW

Loan	Interest Rate	APR*
15 year Fixed Rate - Purchase	2.375%	2.647%
15 year Fixed Rate - Refinance	2.750%	3.028%
30 year Fixed Rate - Purchase	3.000%	3.153%
30 year Fixed Rate - Refinance	3.375%	3.533%
Advantage ARM	2.999%	3.718%
Construction Loan	3.500%	3.659%
FHA 30 Year Fixed Rate	2.875%	3.180%
Freedom Mortgage - Existing ICCU Loan	3.190%	3.190%
Freedom Mortgage - New to ICCU	2.790%	2.790%
Idaho Housing First Loan (FHA/VA/RD)	3.000%	3.180%
Jumbo Purchase	2.690%	2.843%
USDA RD 30 Year Fixed Rate	2.875%	3.480%
VA 30 Year Fixed Rate	2.870%	3.162%

*APR - Annual Percentage Rate
*The annual percentage rates listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria.
Rates valid for Saturday, March 6, 2021.

Business Rates

Business CDs

Term	APY*	Interest Rate	Initial Deposit
6 Month Promo CD	0.250%	0.250%	$500
12 Month Promo CD	0.300%	0.299%	$500
24 Month Promo CD	0.400%	0.399%	$500
60 Month Promo CD	0.700%	0.698%	$500
3 Month CD	0.050%	0.050%	$500
6 Month CD	0.100%	0.100%	$500
18 Month CD	0.200%	0.199%	$500
1 Year CD	0.150%	0.149%	$500
2 Year CD	0.250%	0.249%	$500
3 Year CD	0.300%	0.299%	$500
4 Year CD	0.350%	0.349%	$500
5 Year CD	0.450%	0.449%	$500

A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.

*APY - Annual Percentage Yield
Rates valid for Saturday, March 6, 2021.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Business Money Market Checking Account

Balance	APY*	Interest Rate
0-2,499	0.050%	0.049%
2,500-24,999	0.100%	0.099%
25,000-49,999	0.150%	0.149%
50,000-99,999	0.150%	0.149%
100,000-249,999	0.150%	0.149%
250,000+	0.150%	0.149%

Business Premium Money Market Savings Account

Balance	APY*	Interest Rate
0-2,499	0.100%	0.099%
2,500-24,999	0.150%	0.149%
25,000-49,999	0.200%	0.199%
50,000-99,999	0.200%	0.199%
100,000-249,999	0.250%	0.249%
250,000+	0.250%	0.249%

*APY - Annual Percentage Yield
Rates valid for Saturday, March 6, 2021.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Business Visa Credit Cards

Type	APR*	Grace Period for Purchases	Annual Fee
Business Premier Rewards	Variable rate as low as 12.74%	20 to 25 days	None
Business Visa Rewards	Variable rate as low as 8.74%	20 to 25 days	None
Business Visa Platinum	Variable rate as low as 7.74%	20 to 25 days	None

*APR - Annual Percentage Rate
Rates valid for Saturday, March 6, 2021.

Business Share Savings Rates

Balance	APY*	Interest Rate
0 - 299	0.000%	0.000%
300+	0.100%	0.099%

Business Secondary Savings Rates

Balance	APY*	Interest Rate
0-299	0.000%	0.000%
300+	0.100%	0.099%

*APY - Annual Percentage Yield
Rates valid for Saturday, March 6, 2021.

Best Bank Interest

Best Deposit Rates Today

The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.