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 | – |
| Savings | |
|---|---|
| Dividend Rate* | 0.10% |
| APY* | 0.10% |
| Min. Deposit to Open | $10.00 |
| Min. Deposit to Earn APY* | $10.00 |
| Savings Clubs | |
| Dividend Rate* | 0.10% |
| APY* | 0.10% |
| Min. Deposit to Open | $0.00 |
| Min. Deposit to Earn APY* | – |
*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 | – |
| Checking | |
|---|---|
| Dividend Rate* | 2.96% |
| APY* | 3.00% |
| Minimum Deposit to Open | $15.00 |
| Minimum Deposit to Earn APY* | – |
| Dividend Rate* | 0.01% |
| APY* | 0.01% |
| Minimum Deposit to Open | $15.00 |
| Minimum Deposit to Earn APY* | – |
*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 |
| Money Market | |
|---|---|
| Dividend Rate* | 0.10% |
| APY* | 0.10% |
| Min. Deposit to Open | $0.00 |
| Min. Deposit to Earn APY* | $2,500.00 |
| Money Market | |
| Dividend Rate* | 0.10% |
| APY* | 0.10% |
| Min. Deposit to Open | $0.00 |
| Min. Deposit to Earn APY* | $5,000.00 |
| Money Market | |
| Dividend Rate* | 0.20% |
| APY* | 0.20% |
| Min. Deposit to Open | $0.00 |
| Min. Deposit to Earn APY* | $25,000.00 |
| Money Market | |
| Dividend Rate* | 0.35% |
| APY* | 0.35% |
| Min. Deposit to Open | $0.00 |
| Min. Deposit to Earn APY* | $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 | – |
| HSA | |
|---|---|
| Dividend Rate* | 0.05% |
| APY* | 0.05% |
| Minimum Deposit to Open | $0.00 |
| Minimum Deposit to Earn APY* | – |
*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 | – |
| IRA | |
|---|---|
| Dividend Rate* | 0.10% |
| APY* | 0.10% |
| Minimum Deposit to Open | $0.00 |
| Minimum Deposit to Earn APY* | – |
*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 |
| 6 Month | |
|---|---|
| Dividend Rate* | 0.80% |
| APY* | 0.80% |
| Minimum 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 |
| 6 Month | |
|---|---|
| Dividend Rate* | 0.80% |
| APY* | 0.80% |
| Minimum Deposit to Open | $1,000.00 |
| 12 Month | |
| Dividend Rate* | 1.35% |
| APY* | 1.36% |
| Minimum Deposit to Open | $1,000.00 |
| 18 Month | |
| Dividend Rate* | 1.55% |
| APY* | 1.56% |
| Minimum Deposit to Open | $1,000.00 |
| 24 Month | |
| Dividend Rate* | 1.75% |
| APY* | 1.76% |
| Minimum Deposit to Open | $1,000.00 |
| 36 Month | |
| Dividend Rate* | 1.85% |
| APY* | 1.87% |
| Minimum Deposit to Open | $1000.00 |
| 48 Month | |
| Dividend Rate* | 2.25% |
| APY* | 2.27% |
| Minimum Deposit to Open | $1,000.00 |
| 60 Month | |
| Dividend Rate* | 2.50% |
| APY* | 2.53% |
| Minimum Deposit to Open | $1,000.00 |
| 15 Month Special | |
|---|---|
| Dividend Rate* | 3.64% |
| APY* | 3.70% |
| Min. Deposit to Open | $1,000.00 |
*APY = Annual Percentage Yield. Certificates 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 |
| 2016 & Newer | 36 Months | |
|---|---|
| APR as low as* | 3.99% |
| Aprx. payment per $1000 | $29.40 |
| 2016 & Newer | 48 Months | |
| APR as low as* | 4.59% |
| Aprx. payment per $1000 | $22.85 |
| 2021 & Newer | 60 Months | |
| APR as low as* | 4.84% |
| Aprx. payment per $1000 | $18.75 |
| 2021 & Newer | 72 Months | |
| APR as low as* | 5.08% |
| Aprx. payment per $1000 | $16.30 |
| 2026 & Newer | 84 Months | |
| APR as low as* | 5.59% |
| Aprx. payment per $1000 | $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 |
| 2016 & Newer | 36 Months | |
|---|---|
| APR as low as* | 6.49% |
| Aprx. payment per $1000 | $30.60 |
| 2016 & Newer | 48 Months | |
| APR as low as* | 7.50% |
| Aprx. payment per $1000 | $24.20 |
| 2021 & Newer | 60 Months | |
| APR as low as* | 7.75% |
| Aprx. payment per $1000 | $20.20 |
| 2021 & Newer | 72 Months | |
| APR as low as* | 7.99% |
| Aprx. payment per $1000 | $17.50 |
| 2026 & Newer | 84 Months | |
| APR as low as* | 8.50% |
| Aprx. payment per $1000 | $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)
| 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.
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.
Questions? Call us: 800-260-5183
