New Auto/Motorcycle ¹
36 Months - 5.14%
48 Months - 5.14%
63 Months - 5.14%
75 Months - 5.89%
84 Months - 6.89%

Used Auto/Motorcycle ¹
36 Months - 5.49%
48 Months - 5.49%
63 Months - 5.49%
75 Months - 6.24%
84 Months - 7.24%

Used Auto (2016 or older)
36 Months - 8.99%
48 Months - 8.99%
60 Months - 8.99%

Used Motorcycle (2016 or older)
36 Months - 9.99%
48 Months - 9.99%

New/Used Value Plus Auto
36 Months - 5.99%
48 Months - 5.99%
60 Months - 6.24%
72 Months - 6.74%

New/Used Boat
36-60 Months - 8.14%
120 Months - 9.14%
144 Months - 10.14%

New/Used RV
36-60 Months - 8.14%
120 Months - 9.14%
144 Months - 10.14%

*APR = Annual Percentage Rate. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.

1) Minimum loan for 75 month term is $15,000: for 84 month term is $25,000. Term and rates on secured loans are dependent upon the age of the security and mileage on the collateral. Some restrictions may apply.

Lines of Credit
14.15%

Any Reason Any Season ¹
48 Months - 10.99%
72 Months - 11.49%

Other Secured
36 Months - 8.64%
48 Months - 8.64%
60 Months - 9.64%

*APR = Annual Percentage Rate. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.

1) Minimum loan amount $500.

Preferred Platinum Visa ¹
11.40%

Platinum Points Visa ¹
13.40%

CITY SC Visa Credit Card ¹
13.40%

Visa Signature ²
15.75%

Secured Visa ³
14.90%

*APR = Annual Percentage Rate. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting. No annual fee; 25 day grace period on purchases if payment is made in full by due date. See application for complete terms and conditions.

1) Rates may vary with the market based on the Prime Rate quoted in the Wall Street Journal. The Prime Rate plus the margin equal the Annual Percentage Rate (APR). The margin will be based on creditworthiness. APR can change on the first day of the billing cycle in the month following a change in the Prime Rate. We will use the Prime Rate as of the 15th day of the month before the month of any APR adjustment.

2) Credit lines starting at $10,000. Click for introductory rate. 

3) Minimum $500 limit.

Fixed Mortgage ¹

30-Year
Rate - 6.875%
APR - 7.074%

15-Year
Rate - 6.375%
APR - 6.568%

Adjustable Rate Mortgage (ARM)

7/6mo ARM (First Time Home Buyer)
Rate - 6.625%
APR - 8.062%

5/6mo ARM
Rate - 6.125%
APR - 7.876%

Home Equity ² 

15-Year Choice
Rate - 7.875%
APR - 7.941%

Line of Credit (HELOC) Interest Only⁴
APR - 5.990%

Jumbo ³

30-Year
Rate - 6.625%
APR - 6.758%

15-Year
Rate - 6.125%
APR - 6.340%

5/6mo ARM
Rate - 5.875%
APR - 6.128%

*APR = Annual Percentage Rate. Rates effective December 20, 2024. Rates, and terms and conditions subject to change without notice on new loans. Rates posted are estimates only and are subject to change without notice. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. The quotes above are based on a specific loan amount for the purchase of a single family primary residence. Membership eligibility is required. Loan subject to approval. We do business in accordance to the Federal Fair Housing Law and Equal Credit Opporutnity Act. NMLS#401252.

1) 15 and 30 Year Fixed Rate loan payments are based on a loan amount of $150,000.00

2) 15 Year Choice Home Equity loan payments are based on a loan amount of $10,000.00

3) 15 and 30 Year JUMBO loan payments are based on a $726,201.00 loan amount.

4) *APR (Annual Percentage Rate) effective 7/19/2024 introductory rate applicable for first twelve months following open date. After introductory period, APR is based on the Prime Rate (7.75%), or Prime Rate (7.75%) plus a margin bases on underwriting & Loan To Value (LTV) and may vary with Prime Rate after account opening: Floor = 2.00%APR, Cap = 15.0%APR. Loan features 10-year draw and 15-year repayment period. Current 5.99% APR reflects best rate available based on less than 90% LTV & individual creditworthiness. No credit union closing costs incurred for lines of credit up to $249,999 when automated value model is used for underwriting; loans using alternate valuation sources could incur closing costs up to $600 depending on property location, type and loan amount. Loans greater than $249,999 subject to standard lending practices with a closing cost between $0.00 - $4,000. City/county/state fees may apply. All loans subject to approval; membership eligibility required. Equity limits and underwriting requirements vary by state. Rates, terms, and conditions subject to change. NMLS#401252

Regular Savings
Min. Balance/Average Daily Balance - $5/$100
Dividend Rate - 0.30%
APY - 0.30%

Accelerate It Savings ²
Min. Balance/Average Daily Balance - $5/$100
Dividend Rate - 4.89% with open checking (0.30% when balance is $5,001.00 and above)
APY - 5.00% with open checking (0.30% when balance $5,001.00 and above)

Holiday Savings
Min. Balance/Average Daily Balance - $0/$5
Dividend Rate - 0.30%
APY - 0.30%

Multiple Savings
Min. Balance/Average Daily Balance - $0/$100
Dividend Rate - 0.30%
APY - 0.30%

Junior Account Savings
Min. Balance/Average Daily Balance - $5/$5
Dividend Rate - 0.30%
APY - 0.30%

Financial Youth Group Savings
Min. Balance/Average Daily Balance - $5/$5
Dividend Rate - 0.30%
APY - 0.30%

Young Adult Financial Group Savings
Min. Balance/Average Daily Balance - $5/$5
Dividend Rate - 0.30%
APY - 0.30%

Earn & Learn Savings
Min. Balance/Average Daily Balance - $5/$5
Dividend Rate - 2.96% (0.25% when balance is over $1,000)
APY - 3.00% (0.30% when balance is over $1,000)

*Interest and dividends are paid and compounded monthly based on the average daily balance on all accounts except the Money Market Account.

1) Earn and Learn available to members up through age 21.

APY = Annual Percentage Yield -- assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.

2) For the Accelerate It Savings account, the dividend rate and annual percentage yield are subject to change without notice after account opening. APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of .30%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. For Accelerate It Savings accounts, you must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It savings account. Rate offers accurate as of 03/19/2024. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required. Federally insured by the NCUA.

6 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 2.47%
APY - 2.50%

9 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 4.22%
APY - 4.30%

12 Month Certificate

Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 4.12%
APY - 4.20%

18 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.64%
APY - 3.70%

24 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.59%
APY - 3.65%

36 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.44%
APY - 3.50%

36 Month Variable Rate Certificate ¹
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 2.95%
APY - 2.99%

48 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.20%
APY - 3.25%

60 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.11%
APY - 3.15%

60 Month Variable Rate Certificate ¹
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 2.95%
APY - 2.99%

*Interest and dividends are paid and compounded monthly based on the average daily balance on all accounts except the Money Market Account. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

1) APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

IRA Accumulation
Min. Balance/Average Daily Balance - $5
Dividend Rate - 0.30%
APY - 0.30%

Money Market Account ¹

Min. $1,000 - $9,999
Dividend Rate - 1.15%
APY - 1.16%

$10,000 - $24,999
Dividend Rate - 1.20%
APY - 1.21%

$25,000 - $49,999
Dividend Rate - 1.40%
APY - 1.41%

$50,000 - $99,999
Dividend Rate - 1.55%
APY - 1.56%

$100,000 - $249,999
Dividend Rate - 1.60%
APY - 1.61%

$250,000 & above
Dividend Rate - 1.70%
APY - 1.71%

Select Money Market  (IRA) *New Money Only
Min. Balance - $100,000 and above
Dividend Rate - 4.89%
APY - 5.00%
Average Daily Balance: $1,000-$99,999
(1.55% Dividend, 1.56% APY)

Certificate of Deposit

6 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 2.52%
APY - 2.55%

9 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 4.27%
APY - 4.35%

12 Month Certificate

Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 4.17%
APY - 4.25%

18 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.69%
APY - 3.75%

24 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.64%
APY - 3.70%

36 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.49%
APY - 3.55%

36 Month Variable Rate Certificate ¹
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.00%
APY - 3.04%

48 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.25%
APY - 3.30%

60 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.15%
APY - 3.20%

60 Month Variable Rate Certificate ¹
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.00%
APY - 3.04%

*Penalty for early withdrawal. Fees may reduce earnings on the account. See "Truth-in-Savings Disclosure" for further information. Interest and dividends are paid and compounded monthly based on the average daily balance on all accounts except the Money Market Account.

1) Money Market Account interest is compounded daily and paid monthly. 

2) APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. Variable and Special Rate IRA certificates available only for Traditional IRAs. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

*Together Credit Union reserves the right to discontinue Specials/Adjust product rates at any time.

*New Money is defined as funds not currently on deposit with Together Credit Union and has not been on deposit for 30 days previous.

Health Savings Account (HSA)* Rates