rates

We've laid it all out for you: select a category below to browse our current rates.

We've laid it all out for you: tap on a category and scroll down to browse our current rates.

auto loan rates

Actual Rate Will Be Determined By Your Experian FICO 2 Credit Score

new + used
(model years 2019 + newer)

term

apr* as low as

payment per $1,000 borrowed

36 months

3.09%

$29.12

48 months

3.19%

$22.22

60 months

3.24%

$18.08

72 months**

3.39%

$15.37

84 months**

3.59%

$13.48

*APR = Annual Percentage Rate
**For Loans Exceeding $12,000
***For Loans Exceeding $25,000

used
(model years 2018 + older)

term

apr* as low as

payment per $1,000 borrowed

36 months

3.39%

$29.25

48 months

3.49%

$22.35

60 months**

3.54%

$18.21

72 months***

3.74%

$15.53

84 months****

3.94%

$13.64

*APR = Annual Percentage Rate
**For Loans Exceeding $10,000
***For Loans Exceeding $12,000
****For Loans Exceeding $25,000

auto loan rates as of january 20, 2021

certificate of deposit rates

The Certificate of Deposit Dividend Rate and Annual Percentage Yield (APY) as set forth below, are fixed rates and will be in effect for the term of the account. Dividend paid monthly. A penalty may be imposed for early withdrawal.

$500.00 to $9,999.99

term

apy

dividend rates

6 Month, 182 Day

0.10%

0.10%

12 Month, 365 Day

0.20%

0.20%

24 Month, 730 Day

0.30%

0.30%

36 Month, 1095 Day

0.40%

0.40%

60 Month, 1825 Day

0.50%

0.50%

$10,000.00 to $24,999.99

term

apy

dividend rates

6 Month, 182 Day

0.10%

0.10%

12 Month, 365 Day

0.20%

0.20%

24 Month, 730 Day

0.30%

0.30%

36 Month, 1095 Day

0.40%

0.40%

60 Month, 1825 Day

0.50%

0.50%

$25,000.00 to $49,999.99

term

apy

dividend rates

6 Month, 182 Day

0.10%

0.10%

12 Month, 365 Day

0.20%

0.20%

24 Month, 730 Day

0.30%

0.30%

36 Month, 1095 Day

0.40%

0.40%

60 Month, 1825 Day

0.50%

0.50%

$50,000.00 to $49,999.99

term

apy

dividend rates

6 Month, 182 Day

0.10%

0.10%

12 Month, 365 Day

0.20%

0.20%

24 Month, 730 Day

0.30%

0.30%

36 Month, 1095 Day

0.40%

0.40%

60 Month, 1825 Day

0.50%

0.50%

$100,000.00 + up

term

apy

dividend rates

6 Month, 182 Day

0.10%

0.10%

12 Month, 365 Day

0.20%

0.20%

24 Month, 730 Day

0.30%

0.30%

36 Month, 1095 Day

0.40%

0.40%

60 Month, 1825 Day

0.50%

0.50%

certificate rates as of november 18th, 2021

credit card rates

Actual Rate Will Be Determined By Your Experian FICO 2 Credit Score

account type

term

apr*

Personal Line of Credit
(.25% discount with net pay)

Revolving

15.50%

MasterCard® Classic

Revolving

14.90%

MasterCard® Gold

Revolving

12.50%

*APR = Annual Percentage Rate

credit card rates as of february 1, 2021

home loan rates

Actual Rate Will Be Determined By Your Experian FICO 2 Credit Score.

first mortgage refinance

80% Max LTV* refinance to $416,00.00. Terms include 120 months, 180 months, 240 months, 360 months. Check with the lending department for current rates.

*LTV = Loan to Value.

second mortgages

loan type

term

apr* as low as

payment per $1,000 borrowed

up to 80% LTV**

up to 180 months

4.50%

$7.65

up to 70% LTV**

up to 180 months

4.50%

$7.65

up to 60% LTV**

up to 180 months

4.50%

$7.65

up to 50% LTV**

up to 180 months

4.50%

$7.65

*APR = Annual Percentage Rate.
**Loan to Value less any encumbrances.

open-end heloc
(home equity line of credit)

loan type

term

apr*

Open End (HELOC)
Revolving up to 80% LTV**, up to $100,000

60 month draw period; 120 month amortization

Variable Rates- Subject to Change (1% every 6 month maximum and 2% per year maximum)
Prime Rate per Wall Street Journal
Minimum 4.50%

*APR = Annual Percentage Rate.
**Loan to Value less any encumbrances.

real estate loan rates as of march 16, 2021

motorcyle + utv loan rates

Includes: Motorcycle, Scooter, Side x Side, Spider, Slingshot, + Dirt Bike. Actual Rate Will Be Determined By Your Experian FICO 2 Credit Score.

new + used
(model years 2020 + newer)

term

apr* As low as

payment per $1,000 borrowed

36 months

4.69%

$29.83

48 months

4.99%

$23.02

60 months

5.24%

$18.98

72 months**

5.49%

$16.33

84 months***

5.69%

$14.46

*APR = Annual Percentage Rate.
**For Loans Exceeding $12,000
***For Loans Exceeding $15,000

used
(model years 2014 to 2019)

term

apr* as low as

payment per $1,000 borrowed

36 months

5.14%

$30.03

48 months

5.44%

$23.23

60 months

5.74%

$19.21

72 months**

5.99%

$16.57

*APR = Annual Percentage Rate.
**For Loans Exceeding $12,000

motorcycle + utv loan rates as of february 1, 2021

personal loan rate
(fixed)

Actual Rate Will Be Determined By Your Experian FICO 2 Credit Score

term

apr* as low as

payment per $1,000 borrowed

up to 60 months

9.90%

$21.20

*APR = annual percentage rate.

personal loan rate as of february 1, 2021

recreational vehicle loan rates

Includes: Motorhome, 5th Wheel, Travel Trailer, Toy Haulers, Cab-Over Camper, and Pop-Up Camper. Actual Rate Will Be Determined By Your Experian FICO 2 Credit Score.

new
(model years 2020 + newer)

term

apr* as low as

payment per $1,000 borrowed

60 months

5.50%

$19.10

72 months**

6.00%

$16.57

84 months***

6.50%

$14.85

120 months****

7.00%

$11.61

*APR = Annual Percentage Rate.
**For Loans Exceeding $10,000
***For Loans Exceeding $15,000
****For Loans Exceeding $25,000

used
(model years 2010 to 2019)

term

apr* as low as

payment per $1,000 borrowed

60 months

6.00%

$19.33

72 months**

6.50%

$16.81

84 months***

7.00%

$15.09

120 months****

7.50%

$11.87

*APR = Annual Percentage Rate.
**For Loans Exceeding $10,000
***For Loans Exceeding $15,000
****For Loans Exceeding $25,000.

recreational vehicle loan rates as of february 1, 2021

savings rates

The Variable Dividend Rate and Annual Percentage Yield (APY) as set forth below, are subject to change without notice and are prospective rates as of the date shown below.

type of account

apy

dividend rates

Primary Savings Account*

0.01%

0.01%

Sub-Accounts

0.01%

0.01%

Holiday Savings Account

0.01%

0.01%

Free Checking Account

0.00%

0.00%

Premier Checking Account**

0.05%

0.05%

Money Market***

$1,000.00 to $9,999.99

0.03%

0.03%

$10,000.00 to $24,999.99

0.03%

0.03%

$25,000.00 to $49,999.99

0.03%

0.03%

$50,000.00 to $99,999.99

0.03%

0.03%

$100,000.00 + up

0.03%

0.03%

IRA Account (Traditional + Roth)

0.25%

0.25%

*$5 minimum to earn dividends
**$1,000 minimum to earn dividends
**$1,000 minimum to earn dividends

savings rates as of november 1st, 2021

secured loan rates

account type

term

apr*

MasterCard® (share secured)
100% of Shares on deposit

Revolving

7.90%

Credit Union Shares
100% of Shares on deposit

24 months maximum

2%
above dividend rate

Certificates
100% of Certificate amount

Certificate maturity date

2%
above dividend rate

Credit Builder Certificates
100% of Certificate amount

Certificate maturity date

2%
above dividend rate

*APR = Annual Percentage Rate.

secured loan rates as of january 1, 2020

watercraft + atv loan rates

Includes: Boat, Wave Runner, Sea-Doo, Jet Ski, Quad, and Other ATV. Actual Rate Will Be Determined By Your Experian FICO 2 Credit Score.

new
(model years 2020 + newer)

term

apr* as low as

payment per $1,000 borrowed

60 months

5.50%

$19.10

72 months**

6.00%

$16.57

84 months***

6.50%

$14.85

120 months****

7.00%

$11.61

*APR = Annual Percentage Rate.
**For Loans Exceeding $10,000
***For Loans Exceeding $15,000
****For Loans Exceeding $25,000
Rates and terms subject to change at any time.

used
(model years 2010 to 2019)

term

apr* as low as

payment per $1,000 borrowed

60 months

6.00%

$19.33

72 months**

6.50%

$16.81

84 months***

7.00%

$15.09

120 months****

7.50%

$11.87

*APR = Annual Percentage Rate.
**For Loans Exceeding $10,000
***For Loans Exceeding $15,000
****For Loans Exceeding $25,000.
Rates and terms subject to change at any time.

watercraft + atv loan rates as of february 1, 2021

we care, you save

These rates are great, but have you seen our special promotions? SunWest frequently promotes exclusive rates so our members can focus on spending their money where they want, not just on interest. Don't miss out on taking advantage of our limited-time promotions! Call or visit our promotions page to learn more.

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