Rates



Rates accurate as of 01/25/2023

Home Loans:


Promotional Loans



Loan Type
Interest Rate as low as* APR as low as*
Transcend 5/5 Zero is Your Hero
No Closing Costs & No PMI
5.375%
5.375%
Transcend 5/5 Zero is Your Hero 
Home Loan
5.000%
5.232%
Transcend 30 Year Make Your Move Loan 
6.125%  6.125%
Transcend 20 Year Make Your Move Loan 
6.125% 6.125%
Transcend 15 Year Make Your Move Loan 
5.250% 5.250%
Transcend 10 Year Make Your Move Loan 
5.500% 5.500%

Conventional Loans



Loan Type
Interest Rate as low as* APR as low as*
30 Year Conventional                    6.125%
6.373%
20 Year Conventional 6.125%
6.438%
15 Year Conventional 5.250%  5.634%
10 Year Conventional 
5.500%
6.133% 


Rural Development (USDA) Loans



Loan Type                              
Interest Rate as low as* APR as low as*
30 Year Rural Development          6.625%
7.207%

FHA Loans



Loan Type                             
Interest Rate as low as* APR as low as*
30 Year FHA                                     6.625% 6.980%
15 Year FHA 5.000% 6.137%

VA Loans



Loan Type                              
Interest Rate as low as* APR as low as*
30 Year VA                                      
6.625%
7.018%
15 Year VA 5.000%
5.362%

*APR= Annual Percentage Rate. APR does not include items such as prepaid interest, optional owner's title insurance, and optional escrow services, which could increase the effective APR. All loans subject to credit approval. Rates are based on evaluation of credit history, loan-to-value, and loan term, so your rate may differ. All rates, terms, and conditions are subject to change at any time without notice. Many of these programs carry discount points which may impact your rate. Other restrictions may apply. Payment example: $100,000 mortgage for a term of 360 months (30 years) at rate of 7.00% APR will result in a monthly payment of $665.31. Payments do not include amounts for taxes and insurance premiums and the monthly payment obligation will be greater if taxes and insurance are included, and an initial member deposit may be required if an escrow account for these items is established.

**The 5/5 ARM rate adjusts every 5 years. 5/5 ARM Repayment Example: $100,000 financed at 5.625% annual percentage rate (APR) with a term of 60 months would result in a principal and interest payment of $575.66; if the rate were to adjust to 7.625% APR, 60 payments at $707.80; if the rate were to adjust to 9.625% APR 60 payments at $849.99; if the rate were to adjust to the cap of 11.625% APR 60 payments at $999.84. Payments do not include amounts for taxes and insurance premiums and the monthly payment obligations will be greater if taxes and insurance are included. The principal and interest portion of your payment may be higher at the beginning of each new ARM term based on market conditions. Loans must be for a primary residence, in first lien position. Additional conditions and restrictions may apply.


Home Equity Line of Credit (HELOC) - as low as 7.00% APR*

 

*APR=Annual Percentage Rate. Home Equity Lines of Credit are variable-rate loans. Rates as low as 7.00% APR are based on creditworthiness, so your rate may differ. The plan has a maximum APR of 18%. No annual or advance fees. No closing costs. Proof of property insurance is required. All loans subject to approval. All terms and conditions are subject to change without notice. Additional restrictions may apply.


Auto Loan Rates:


Year Term
APR*
as low as
2021 - 2023 up to 63 months 5.49%
up to 75 months 5.79%
up to 87 months 6.29%
up to 99 months 6.99%


Year Term
APR*
as low as
2019 - 2020 up to 63 months 5.99%
up to 75 months 6.29%
up to 87 months 6.79%
up to 99 months 7.49%

Year Term
APR*
as low as
2017 - 2018 up to 63 months 6.49%
up to 75 months 6.79%

up to 87 months 7.29%

Year Term
APR*
as low as
2015 - 2016 up to 63 months 6.99%

up to 75 months 7.29%

*APR= Annual Percentage Rate. All loans subject to credit approval. Rate may vary based on individual creditworthiness. Lowest loan rate at 5.49% APR financed over 63-month term is for 2022 model year auto or newer and includes a .25% discount for GAP purchase and a .25% discount for warranty purchase. Payment example based on the terms above: Estimated monthly payment for auto loan of $20,000 at 5.49% APR for 63 months is $366.13. Existing Transcend auto loans do not qualify for this offer.


 Closed-End Personal Loans - as low as 11.90% APR* - Up to 60 months


*APR= Annual Percentage Rate. Lowest personal loan rate is 11.9% APR. Longest term offered is 60 months. Your rate may vary based on credit profile and loan term.  Offer of credit cannot be combined with any other offer. All rates, terms, and conditions subject to change without notice. All loans subject to approval. Other restrictions may apply.


Certificates:


 Duration  APY*  Subject to Change
90 Day 1.50% Weekly
6 month 1.75%
Weekly
12 month 2.00% Weekly
18 month  2.15% Weekly 
24 month 2.25% Weekly
36 month 2.50% Weekly
48 month 2.65% Weekly
60 month 2.85% Weekly

*APY=Annual Percentage Yield. Rates are reviewed weekly and are subject to change. A $500 minimum balance is required for all certificate accounts to earn the disclosed APY. Dividends will be posted to your account on the last day of each calendar quarter and/or upon maturity. Alternatively, you may choose to have dividends paid to you or to another account quarterly rather than credited to this account. Certificates are subject to penalty for early withdrawal. APYs stated are accurate as of today’s date. Fees may reduce earning on Certificate Accounts.


Regular, Club Savings Accounts, IRA Accumulation, MyCash, Dollar Dog:


 Amount APY* Subject to Change
$0 - $14,999.99 0.15% Monthly
$15,000 - $49,999.99 0.18% Monthly
$50,000 or more 0.20% Monthly

*APY=Annual Percentage Yield. APYs are accurate as of the last dividend declaration date. Rates may change after the account is opened. Fees may reduce earnings on Regular Savings accounts. You must maintain the amount stated in each tier to earn the disclosed APY for that tier. Up to $5 may be required to open share.

 

Personal Reserve:


 Amount APY* Subject to Change
$0 - $4,999.99 0.15% Monthly
$5,000 - $24,999.99 0.20% Monthly
$25,000 - $49,999.99 0.25% Monthly
$50,000 - $99,999.99 0.27% Monthly
$100,000 or more 0.30% Monthly 

*APY=Annual Percentage Yield. APYs are accurate as of the last dividend declaration date. Rates may change after account is opened You must maintain the amount stated in each tier to earn the disclosed APY for that tier. Fees may have an effect on earnings. Personal Reserve has a minimum balance requirement of $5,000.


Transcend Relationship Money Market Account:


Amount APY*  APY*
with All
Qualifying
Products
Subject to
Change
$0 - $24,999.99 0.15% 0.35% Monthly
$25,000 - $99,999.99 0.50% 0.70%  Monthly
$100,000 - $249,999.99 0.60%
0.80%  Monthly
$250,000 OR MORE 0.70% 0.90% Monthly

*APY = Annual Percentage Yield. This is a variable rate account.  Rates may change at any time without notice.  Rates shown are prospective APYs.  A minimum deposit of $25,000 is required to open this account; APY applied at account opening is based on the lowest tier Transcend Money Market Savings Account rate.   For each dividend period after account open, accounts that maintain at least one qualified product will continue to receive the Transcend Money Market Savings Account lowest tier rate as well as additional basis points for each qualifying product.  Additional basis points will also be applied to accounts with balances of $100,000-249,999.99 and $250,000 or more.  For any dividend period, any Relationship Money Market Savings account that has no qualifying product and an average daily balance below $25,000, will receive the lowest tier Transcend Money Market Savings rate; however, if a $25,000 average daily balance is not maintained and there are no qualifying products on the account for 60 days, the Relationship Money Market Savings Account may be closed, and funds transferred to Regular Savings.  Fees could reduce earnings on this account.  All terms and conditions are subject to change without notice. 


Transcend Money Market Account:


Deposit Amount  Dividend Rate  APY*
$0 - $24,999.99 0.15%  0.15%
$25,000 - $99,999.99 0.50% 0.50% 
$100,000 - $249,999.99 0.60% 0.60%
$250,000 OR MORE 0.70% 0.70%

*APY= Annual Percentage Yield. APYs accurate as of last dividend declaration date. Rate may change after account is opened. Any fees may reduce earnings. Minimum opening deposit of $25,000 is required.  Must maintain a minimum average daily balance of $25,000 in account to obtain the disclosed APY, otherwise the lowest dividend tier rate for Regular Savings will apply. Each withdrawal exceeding six per month will be assessed a fee of $5.00.  Minimum withdrawal amount is $250.00. Account not meeting minimum balance requirement for two consecutive months is subject to closure and transfer of funds to Regular Shares.

 

Rates Rewards Checking Account:


Deposit Amount                    APY*        APY* w/All Qualifying Products
$0 - $4,999.99                    0.18%                              2.68%
$5,000 - $14,999.99                   0.20%                              2.70% 

$15,000 - $24,999.99

                  0.25%                              2.75% 
$25,000 or more                   0.18%                               0.18%

*APY = Annual Percentage Yield. No minimum balance is required to open or maintain a Rate Rewards Checking Account. Rate Rewards Checking Accounts are dividend-bearing accounts.  The dividend rate and APY may change monthly as determined by Credit Union Management.  Dividends are calculated using a tiered dividend rate based on the average daily balance.  Your average daily balance for the month that corresponds to the applicable account balance tier will earn the stated dividend rate and be paid on the full account balance when all Rate Rewards Checking requirements are met.  The Regular Savings second tier rate will be paid monthly on any amount over $25,000 and will be paid on all balances if Rate Rewards Checking requirements are not met. This is a variable rate account. This account is subject to a rate cap. All tier rates, Rate Rewards bonus basis points given for qualifying products, and the rate cap applied to the account, are subject to change monthly. A Rate Rewards Checking account is limited to one per member. Failure to comply with these requirements will make you ineligible for a Rate Rewards Checking account and/or earning Rate Rewards Checking bonus dividends.


Qualifying Rate Rewards Checking Account dividend rates will apply as long as at least one qualifying product is maintained on the account.  The qualifying products are as follows:

  • Credit Union mortgage, home equity line of credit, home equity loan, auto loan, secured personal loan, personal loan, or a credit card that has ten (10) completed transactions per statement cycle or a credit balance of $5,000 or more;
  • Cumulative direct deposit(s) of $1,000 or more per statement cycle;
  • Enrollment in electronic statements
  • Debit Card Usage of a minimum of 10 debit card transactions per statement cycle, or;
  • Online BillPay with a payment originated through NetTeller or automatic ACH withdrawals or cleared paper checks (any combination of the three of ten (10) or more per month).
  • Additional basis points will be given for each qualifying product and added to the relevant balance tier Rate Rewards Checking Account rate for the dividend period. The maximum balance that a member can receive the base rate plus additional basis points for each qualifying product is $24,999.99.  Balances for $25,000 or more will receive the second-tier regular savings rate with no additional basis points for qualifying products.  Each of the product qualifying bonus points are subject to change monthly.

Prestige Checking Account:


 Amount APY* Subject to Change
$0 - $4,999.99 0.10% Monthly
$5,000 - $14,999.99 0.15% Monthly
$15,000 - $24,999.99 0.25% Monthly
$25,000 or more 0.10% Monthly

*APY = Annual Percentage Yield. APYs accurate as of last dividend declaration date. Rates are subject to change after account is opened. No minimum deposit required to open account.  Prestige Checking requires an active Transcend loan or Prestige VISA credit card, an active SmartCash debit card, and direct deposit of at least $800 a month. Your average daily balance for the month that corresponds to the applicable account balance tier will earn the stated dividend rate and be paid on the full account balance when all Prestige Checking requirements are met. The Regular Savings second tier rate will be paid on any amount of $25,000 or more and will be paid on all balances if Prestige Checking requirements are not met. Fees may reduce earnings on Prestige Checking accounts.