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Current Rates
Savings
Savings Accounts
| Type | Minimum Balance to earn APY | Annual Percentage Yield (APY) | Annual Dividend Rate (ADR) |
|---|---|---|---|
| Share (Savings) | $50 - $999.99 | 0.01% | 0.01% |
| Share (Savings) | $1,000 + | 0.05% | 0.05% |
| Holiday, Summer and Fun Share (Savings) | $50 - $999.99 | 0.01% | 0.01% |
| Holiday, Summer and Fun Share (Savings) | $1,000 + | 0.05% | 0.05% |
| IRA Savings Account | No Minimum | 0.15% | 0.15% |
| Health Savings Accounts | $50 - $999.99 | 0.01% | 0.01% |
| Health Savings Accounts | $1,000 + | 0.05% | 0.05% |
Money Market Accounts
| Type | Minimum Balance to earn APY | Annual Percentage Yield (APY) | Annual Dividend Rate (ADR) |
|---|---|---|---|
| Insured Money Market | $50,000 - $99,999 | 0.10% | 0.10% |
| Insured Money Market | $100,000 - $999,999 | 0.10% | 0.10% |
| Insured Money Market | $1,000,000 + | 0.10% | 0.10% |
| Insured Money Market | $1,000 - $9,999 | 0.05% | 0.05% |
| Insured Money Market | $10,000 - $24,999 | 0.10% | 0.10% |
| Insured Money Market | $25,000 - $49,999 | 0.10% | 0.10% |
Rates are current as of 8/14/2021
For share savings, insured money market, and individual retirement accounts, dividends are compounded daily and paid monthly. For term share certificates and IRA certificates dividends are credited and compounded monthly. Fees or conditions could reduce earnings. All savings rates are subject to change without notice. * Penalties may be imposed for early withdrawal. ** Savings Builder Share Certificate available with all Youth Savings Accounts and Community Share Accounts only. *** This rate does not apply to IRA Certificates. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Certificates
Share Certificate
| Type | Minimum Balance to earn APY | Annual Percentage Yield (APY) | Annual Dividend Rate (ADR) |
|---|---|---|---|
| 3-5 Month Certificate* | $1,000 | 0.10% | 0.10% |
| 6-11 Month Certificate* | $1,000 | 0.15% | 0.15% |
| 12-23 Month Certificate* | $1,000 | 0.30% | 0.30% |
| 24-29 Month Certificate* | $1,000 | 0.50% | 0.50% |
| 30-35 Month Certificate* | $1,000 | 0.50% | 0.50% |
| 36-47 Month Certificate* | $1,000 | 0.70% | 0.70% |
| 48-59 Month Certificate* | $1,000 | 0.85% | 0.85% |
| 60 Month Certificate* | $1,000 | 1.00% | 1.00% |
| 6 Month Savings Builder Share Certificate** | $5 | 0.15% | 0.15% |
| IRA Certificates | $1,000 | Same as Certificates | Same as Certificates |
Rates are current as of 8/14/2021
For share savings, insured money market, and individual retirement accounts, dividends are compounded daily and paid monthly. For term share certificates and IRA certificates dividends are credited and compounded monthly. Fees or conditions could reduce earnings. All savings rates are subject to change without notice. * Penalties may be imposed for early withdrawal. ** Savings Builder Share Certificate available with all Youth Savings Accounts and Community Share Accounts only. *** This rate does not apply to IRA Certificates. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Credit Cards
Credit Cards
| Credit Card Type | Maximum Loan* | Term | Range of Variable APR** |
|---|---|---|---|
| Visa® Platinum | $30,000 | Revolving | 8.75% - 17.75% |
| Visa® Premier Rewards | $30,000 | Revolving | 14.25% - 17.75% |
| Visa® Premier Cash | $30,000 | Revolving | 14.25% - 17.75% |
| Visa® Business Rewards | $30,000 | Revolving | 11.50% - 17.75% |
Rates are current as of 3/18/2020
*Total aggregate unsecured debt with Addition Financial cannot exceed $30,000.
**Annual Percentage Rates (APR). Your APR will vary. All credit card rates are subject to change without notice. The rate you receive will be based on your credit history. All loans are subject to qualification of the borrower. The rate for purchases, cash advances and balance transfers is based on the U.S. Prime Rate (Wall Street Journal Index). The Wall Street Journal Index is published in the Money Rates table of the Wall Street Journal on the 15th of each month or the next business day if not published on the 15th. The maximum APR will not exceed 17.75%. The Penalty APR will be applied to your account if you are 60 days past due and will apply until you make six consecutive minimum payments when due.
Home Loans
First Time Homebuyer
| Type | Purchase Interest Rate / APR* As Low As |
|---|---|
| 30 Year First Time Homebuyer | 3.125% / 3.210% |
| 30 Year A+ Heroes First Time Homebuyer | 3.625% / 3.694% |
Low Closing Cost
| Type | Purchase Interest Rate / APR* As Low As | Refinance Interest Rate / APR* As Low As |
|---|---|---|
| 15 Year Fixed (Low Closing Cost) | 3.000% / 3.154% | 3.125% / 3.350% |
| 20 Year Fixed (Low Closing Cost) | 3.375% / 3.496% | 3.500% / 3.677% |
| 30 Year Fixed (Low Closing Cost) | 3.625% / 3.712% | 3.750% / 3.878% |
Fixed Rate
| Type | Purchase Interest Rate / APR* As Low As | Refinance Interest Rate / APR* As Low As |
|---|---|---|
| 10 Year Fixed Rate | 2.375% / 2.597% | 2.500% / 2.824% |
| 15 Year Fixed Rate | 2.500% / 2.652% | 2.625% / 2.847% |
| 20 Year Fixed Rate | 2.875% / 2.994% | 3.000% / 3.173% |
| 30 Year Fixed Rate | 3.125% / 3.210% | 3.250% / 3.374% |
Fast Track
| Type | Refinance Interest Rate / APR* As Low As |
|---|---|
| 5 Year Fast Track Refinance Mortgage** | 2.250% / 2.878% |
| 10 Year Fast Track Refinance Mortgage** | 2.500% / 2.824% |
HELOC
| Type | Interest Rate As Low As | APR* As Low As |
|---|---|---|
| First-Lien HELOC ** | 3.250% | 3.250% |
| Second-Lien HELOC*** | 3.250% | 3.250% |
Second Mortgages
| Type | Maximum Term | Rates As Low As | APR* As Low As |
|---|---|---|---|
| Second Mortgage | 60 Months | 2.750% | 3.115% |
| Second Mortgage | 120 Months | 2.875% | 3.064% |
| Second Mortgage | 180 Months | 4.500% | 4.636% |
Rates are current as of 12/2/2021
*Annual Percentage Rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. APR is based on the following assumptions unless otherwise noted: Purchase APR is calculated using a $200,000 purchase price with a $160,000 loan amount. Refinance balance-only APR is calculated using a $150,000 estimated value with a loan amount of $120,000. The APR you see are estimates and are intended for informational use only. Rates are subject to change without notice. Rate is not guaranteed until lock-in. Other restrictions may apply. APRs assume the loan will have a required minimum loan-to-value ratio of 80%.
Mortgages are underwritten to secondary market standards. Secondary market guidelines may require adjustments to the interest rate, points paid or amount of down payment. Your rate, points and closing costs may vary based upon loan features, geography and/or other terms and conditions. Additional adjustments may be applicable based upon credit history, property value, mortgage product, property type or other factors. The interest rate and fees shown here are available to borrowers with an excellent credit history. The interest rates, APRs, closing costs and discount points shown are subject to change without notice. Your APR will vary based on your final loan amount and finance charges.
Jumbo loans (loans over $548,250.00) will include an additional 0.500% added to the current published APR.
**Loan-to-value restrictions apply. Home Equity Loan APRs are based on Wall Street Journal (WSJ) Prime Rate.
Second mortgage loan APRs are calculated using a $50,000 loan amount and term as indicated.
Vehicle Loans
Auto Loans
| Type* | Maximum Term** | APR As Low As |
|---|---|---|
| New Auto | 84 Months | 2.49% |
| Used Auto | 84 Months | 2.99% |
Recreational Vehicle Loans
| Type* | Maximum Term** | APR As Low As |
|---|---|---|
| Used RV | 84 Months | 7.49% |
| New Boat | 84 Months | 7.75% |
| Used Boat | 84 Months | 8.25% |
| New Motorcycle | 84 Months | 5.99% |
| Used Motorcycle | 84 Months | 6.49% |
| New RV | 84 Months | 6.99% |
Rates are current as of 11/4/2021
*Total aggregate unsecured debt with Addition Financial cannot exceed $30,000.
**Based on vehicle/vessel year, underwriting, and/or amount borrowed. Certain requirements may apply. Maximum term may be determined by the specific loan request made. Maximum term may impact APR. For example, auto and motorcycle loans with 67-78 month terms are subject to an additional 50 bps or .50% rate increase, auto and motorcycle loans with 79-84 month terms are subject to an additional 125 bps or 1.25% rate increase.
All loan rates are subject to change without notice. All loan rates are based on an Annual Percentage Rate (APR). Monthly Addition Financial loans are calculated using the Simple Interest Method. Interest is calculated on the monthly unpaid balance. All loans are subject to qualification of the borrower. Monthly payment amount based upon maximum term. A loan processing fee will be charged on all loans except real estate, share, certificate and line of credit loans. The fee is 2% of the loan amount issued with a minimum fee of $20 and a maximum fee of $85. The loan processing fee will affect the APR shown.
Personal Loans
Personal Loans
| Type* | Maximum Term** | APR As Low As |
|---|---|---|
| Personal Line of Credit | Revolving | 11.00% |
| Signature Loan | 60 Months | 9.00% |
| Share Loan | 36 Months | Share Rate + 3% |
| Share Loan | 72 Months | Share Rate + 4% |
| Share Loan | 120 Months | Share Rate + 5% |
| Certificate Loan | Certificate Term | Certificate Rate + 3% |
Rates are current as of 11/4/2021
*Total aggregate unsecured debt with Addition Financial cannot exceed $30,000.
**Based on vehicle/vessel year, underwriting, and/or amount borrowed. Certain requirements may apply. Maximum term may be determined by the specific loan request made. Maximum term may impact APR. For example, auto and motorcycle loans with 67-78 month terms are subject to an additional 50 bps or .50% rate increase, auto and motorcycle loans with 79-84 month terms are subject to an additional 125 bps or 1.25% rate increase.
All loan rates are subject to change without notice. All loan rates are based on an Annual Percentage Rate (APR). Monthly Addition Financial loans are calculated using the Simple Interest Method. Interest is calculated on the monthly unpaid balance. All loans are subject to qualification of the borrower. Monthly payment amount based upon maximum term. A loan processing fee will be charged on all loans except real estate, share, certificate and line of credit loans. The fee is 2% of the loan amount issued with a minimum fee of $20 and a maximum fee of $85. The loan processing fee will affect the APR shown.
Business Accounts
Business Accounts
| Type | Minimum Balance to earn APY | Annual Percentage Yield (APY) | Annual Dividend Rate (ADR) |
|---|---|---|---|
| Business Member Share | $50 - $999.99 | 0.01% | 0.01% |
| Business Member Share | $1,000 + | 0.05% | 0.05% |
| Business Savings | $50 - $999.99 | 0.01% | 0.01% |
| Business Savings | $1,000 + | 0.05% | 0.05% |
| Business Enterprise Checking | $25,000 + | 0.05% | 0.05% |
| Business Non-Profit Checking | $50,000 + | 0.05% | 0.05% |
Business Money Market
| Type | Minimum Balance to earn APY | Annual Percentage Yield (APY) | Annual Dividend Rate (ADR) |
|---|---|---|---|
| Insured Money Market | $1,000 - $9,999 | 0.05% | 0.05% |
| Insured Money Market | $10,000 - $24,999 | 0.10% | 0.10% |
| Insured Money Market | $25,000 - $49,999 | 0.10% | 0.10% |
| Insured Money Market | $50,000 - $99,999 | 0.10% | 0.10% |
| Insured Money Market | $100,000 - $999,999 | 0.10% | 0.10% |
| Insured Money Market | $100,000,000 + | 0.10% | 0.10% |
Rates are current as of 6/1/2021
For business share savings and insured money market accounts, dividends are compounded daily and paid monthly. Fees or conditions could reduce earnings. All business savings rates are subject to change without notice.
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