Current Loan & Deposit Account Rates

Rates effective 4/1/26

Looking for our latest credit union rates? You'll find them all here in one place. Choose one of the options below to jump to the rates you want to see or scroll down to take them all in.

Questions about our rates? Call our Member Center at 1-800-359-1939.

^*APR = Annual Percentage Rate.
^**Rate assumes loan to value of 100% or less and term of 60 months or less.
^†Not all borrowers will qualify for the lowest interest rate.
^Please call for rate for loans with a loan to value above 100%, terms over 60 months, or model years 2016 or older.

^*APR = Annual Percentage Rate
^†Not all borrowers will qualify for the lowest interest rate. ¹The initial APR will be in effect until the second month following your closing. After the initial period your APR may change monthly based on a current index plus a margin. The index is the Prime Rate published in the Money Rates section of The Wall Street Journal. Margins range from 0.00% - 5.50%. Your APR will not increase or decrease more than 2.00% in one year and will not increase more than 18.00% over the life of the loan.

^*APR = Annual Percentage Rate. The APR is determined by adding 6.65-10.65 for Platinum Cards and 8.65-16.65 for Advantage Cards to the Prime Rate. The Prime Rate used to determine your APR is the rate published in the "Money Rates" table of The Wall Street Journal on the last Friday of each month; if the last Friday is a Federal Holiday the following day's Prime Rate will be used and is effective the first day of the following month. Rates may change after the account is opened. Rates effective as of date above.
^†Not all borrowers will qualify for the lowest interest rate.
^◆ For Access Line of Credit: In the State of Georgia, the rate ceiling is 16.00% if the limit is less than or equal to $3,000. In the State of North Carolina, the rate ceiling is 18.00%. In the State of Texas, the rate ceiling is 18.00%.
^¶ For Quick Cash Line of Credit: In the State of Georgia, the rate ceiling is 16.00%. In the State of North Carolina, the rate ceiling is 18.00%. In the State of Ohio, the rate ceiling is 25.00%. In the State of Texas, the rate ceiling is 18.00%. Minimum credit score of 600 for members that reside in the states of Georgia, North Carolina, and Texas effective 6/1/2012.

*APR = Annual Percentage Rate.
^†Not all borrowers will qualify for the lowest interest rate.

^**APY = Annual Percentage Yield.

^*RATE INFORMATION – The dividend rate and Annual Percentage Yield may change every month as determined by the Credit Union Board of Directors. COMPOUNDING AND CREDITING – Deposits will earn dividends from date of deposit to date of withdrawal, calculated on a 365 day year. Dividends will be paid the last day of each calendar month. Dividends will be compounded monthly. If you close your Account before dividends are paid, you will not receive the accrued dividends. MINIMUM BALANCE REQUIREMENT – The Fusion Plus Checking Account does not have a minimum balance requirement. BALANCE COMPUTATION METHOD – Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in your account each day.