Current Rates
We believe in transparency. Below you’ll find our current deposit and loan rates, updated regularly. As a member-owned credit union in Merrillville, IN, we work to keep rates competitive — lower rates on loans and higher returns on your savings. Have questions about which product is right for you? Give us a call at 219-756-4141 or visit any branch.
Share/Savings Rates
Rates Effective: June 1, 2026
Type
Dividend Rate*
APY*
Minimum Deposit to Open
Minimum Deposit to Earn APY*
Savings
0.10%
0.10%
$10.00
$10.00
Savings Clubs
0.10%
0.10%
$0.00
–
*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.
Questions? Call us: 800-260-5183
Checking Rates
Rates Effective: June 1, 2026
Type
Dividend Rate*
APY*
Minimum Deposit to Open
Minimum Deposit to Earn APY*
Checking - Balances $0.00 to $2,500.00**
2.96%
3.00%
$15.00
–
Checking - Balances $2,500.01 and Greater**
0.01%
0.01%
$15.00
–
*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.
Questions? Call us: 800-260-5183
Money Market Rates
Rates Effective: June 1, 2026
Type
Dividend Rate*
APY*
Minimum Deposit to Open
Minimum Deposit to Earn APY*
Money Market
0.10%
0.10%
$0.00
$2,500.00
Money Market
0.10%
0.10%
$0.00
$5,000.00
Money Market
0.20%
0.20%
$0.00
$25,000.00
Money Market
0.35%
0.35%
$0.00
$50,000.00
*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.
Questions? Call us: 800-260-5183
HSA Rates
Rates Effective: June 1, 2026
Type
Dividend Rate*
APY*
Minimum Deposit to Open
Minimum Deposit to Earn APY*
HSA
0.05%
0.05%
$0.00
–
*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.
IRA Rates
Rates Effective: June 1, 2026
Type
Dividend Rate*
APY*
Minimum Deposit to Open
Minimum Deposit to Earn APY*
IRA
0.10%
0.10%
$0.00
–
*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.
Questions? Call us: 800-260-5183
Share Certificate Rates
Rates Effective: June 1, 2026
Type
Dividend Rate*
APY*
Minimum Deposit to Open
6 Month
0.80%
0.80%
$1,000.00
12 Month
1.35%
1.36%
$1,000.00
18 Month
1.55%
1.56%
$1,000.00
24 Month
1.75%
1.76%
$1,000.00
36 Month
1.85%
1.87%
$1,000.00
48 Month
2.25%
2.27%
$1,000.00
60 Month
2.50%
2.53%
$1,000.00
91-Day Special
Dividend Rate*
3.84%
APY*
3.91%
Min. Deposit to Open
$1,000.00
11-Month Special
Dividend Rate*
3.51%
APY*
3.45%
Min. Deposit to Open
$1,000.00
22-Month Special
Dividend Rate*
3.20%
APY*
3.25%
Min. Deposit to Open
$1,000.00
*APY = Annual Percentage Yield. Certificate rates are subject to change without notice. Penalty for early withdrawal. Federally insured by NCUA.
Questions? Call us: 800-260-5183
IRA Certificate Rates
Rates Effective: June 1, 2026
Type
Dividend Rate*
APY*
Minimum Deposit to Open
6 Month
0.80%
0.80%
$1,000.00
12 Month
1.35%
1.36%
$1,000.00
18 Month
1.55%
1.56%
$1,000.00
24 Month
1.75%
1.76%
$1,000.00
36 Month
1.85%
1.87%
$1,000.00
48 Month
2.25%
2.27%
$1,000.00
60 Month
2.50%
2.53%
$1,000.00
15 Month Special
Dividend Rate*
3.64%
APY*
3.70%
Min. Deposit to Open
$1,000.00
*APY = Annual Percentage Yield. Certificate rates are subject to change without notice. Penalty for early withdrawal. Federally insured by NCUA.
Questions? Call us: 800-260-5183
Auto Rates
Rates Effective: June 1, 2026
Year
Term
APR as low as*
Aprx. payment per $1000
2016 & Newer
36 Months
3.99%
$29.40
2016 & Newer
48 Months
4.59%
$22.85
2021 & Newer
60 Months
4.84%
$18.75
2021 & Newer
72 Months
5.08%
$16.30
2025 & Newer
84 Months
5.59%
$14.39
*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.
Boat/Motorcycle/RV Rates
Rates Effective: June 1, 2026
Year
Term
APR as low as*
Aprx. payment per $1000
2016 & Newer
36 Months
6.49%
$30.60
2016 & Newer
48 Months
7.50%
$24.20
2020 & Newer
60 Months
7.75%
$20.20
2020 & Newer
72 Months
7.99%
$17.50
2024 & Newer
84 Months
8.50%
$15.54
*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.
Questions? Call us: 800-260-5183
Personal Loan Rates
Rates Effective: June 1, 2026
Amount
APR as low as*
Minimum $300 - Maximum $7,500
12.25%
*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.
50% Share Secured Loan Rates
Rates Effective: June 1, 2026
Term
APR as low as*
Contact Credit Union
4.75%
*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify.
100% Share Secured Loan Rates
Rates Effective: June 1, 2026
Term
APR as low as*
Contact Credit Union
4.00%
*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify.
VISA/Variable Rate-Adjusted Semi-Annually (January & July)
Rate information is posted and provided as information. Rates are current as of 01/01/2026 and are subject to change without notice as stated in our Account Disclosure Rate Supplement and Schedule of Fees and Charges.
Tier
Max Limit
APR
A
$7,500
As Low As 12.75%
IMPORTANT CREDIT CARD DISCLOSURES: *Annual Percentage Rate (APR) based on prime rate as of 01/01/2026. Actual APR and credit limit is determined by qualified borrower's credit score at the time of application. Speak with a representative for more details.
Questions? Call us: 800-260-5183
