On a scale from 1-10, Our rates are, like, a 9.9, if we’re being honest.

Rates are effective as of September 1, 2016, and subject to change without notice.

Checking

Account TypeDividend RateAPY*
High-Yield Checking 1
Qualified (up to $10,000)
Qualified ($10,000+)
Non-qualified

2.96%
0.10%
0.06%

3.00%
0.10%
0.06%
Cash Back Checking0.00%0.00%
Basic Checking0.00%0.00%
Classic Checking2

0.06%

0.06%

*APY = Annual Percentage Yield. Checking account dividend rates are based on the credit union’s earnings at the end of the dividend period, and thus cannot be declared in advance. 

1If monthly qualifying activities are completed, 3.00% APY is paid on the balance up to $10,000 and 0.10% APY is paid on the balance above $10,000. If monthly qualifying activities are not completed, account will earn the standard rate of 0.06% APY. Qualifying activity requirements for High-Yield Checking: $500 or more in total direct deposit per month and at least 15 Andigo Visa debit card purchases per month (signature or PIN-based). Qualifying card transactions must post and clear by 2 pm CST on the last business day of the month in order to be processed for that month. Qualifying direct deposits are regularly recurring electronic deposits from your employer or other agency (e.g. Social Security). Person-to-person and bank transfers between your Andigo accounts or accounts you have at other financial institutions or brokerages do not qualify. ATM withdrawals and cash withdrawals from a PIN-based transaction do not qualify as a purchase.

No minimum balance is required and there is no monthly service charge on any checking account.

2New Classic Checking accounts are not available.

goLoans

Loan TypeAPR* (as low as)
Share-Secured

1.50% above Savings dividend rate

Certificate-Secured

1.50% above Certificate dividend rate

Unsecured

7.74%

*Annual Percentage Rate (APR) reflects a .50% discount for Express Advantage members (those with Andigo checking and direct deposit) who make automatic loan payments from an Andigo savings or checking account. Your actual rate will be based on credit qualifications and underwriting factors. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. All loans subject to credit approval. Repayment example: A $7,500 loan with a 48 month term and 7.74% APR is $182.73 per month.

Mortgage Loans

Rates Change Daily

Click here to see current rates.


Checking

Account TypeDividend RateAPY*
High-Yield Checking 1
Qualified (up to $10,000)
Qualified ($10,000+)
Non-qualified

2.96%
0.10%
0.06%

3.00%
0.10%
0.06%
Cash Back Checking0.00%0.00%
Basic Checking0.00%0.00%
Classic Checking2

0.06%

0.06%

*APY = Annual Percentage Yield. Checking account dividend rates are based on the credit union’s earnings at the end of the dividend period, and thus cannot be declared in advance. 

1If monthly qualifying activities are completed, 3.00% APY is paid on the balance up to $10,000 and 0.10% APY is paid on the balance above $10,000. If monthly qualifying activities are not completed, account will earn the standard rate of 0.06% APY. Qualifying activity requirements for High-Yield Checking: $500 or more in total direct deposit per month and at least 15 Andigo Visa debit card purchases per month (signature or PIN-based). Qualifying card transactions must post and clear by 2 pm CST on the last business day of the month in order to be processed for that month. Qualifying direct deposits are regularly recurring electronic deposits from your employer or other agency (e.g. Social Security). Person-to-person and bank transfers between your Andigo accounts or accounts you have at other financial institutions or brokerages do not qualify. ATM withdrawals and cash withdrawals from a PIN-based transaction do not qualify as a purchase.

No minimum balance is required and there is no monthly service charge on any checking account.

2New Classic Checking accounts are not available.

Credit Cards

Credit CardAPR
Visa Platinum Cash Back

Intro 0% for six months.
After that, variable APR will be 10.24% - 19.24%, based on your creditworthiness.*

Visa Platinum Rewards

Intro 0% for six months.
After that, variable APR will be 11.65% - 20.65%, based on your creditworthiness.*

Visa Platinum

Intro 0% for six months.
After that, variable APR will be 9.65% - 18.65%, based on your creditworthiness.*

* Please read the Visa card application and solicitation disclosure. Introductory APR not available for cash advances or for existing Andigo Visa cardholders. All loans subject to credit approval. Your actual APR will be based on your credit qualifications and vary based on the Prime Rate. For each billing period we use the first publication of the Wall Street Prime Rate published in The Wall Street Journal. 

Vehicle Loans


TermAPR* (as low as)
New & Used Vehicles - up to 36 months

2.99%

New & Used Vehicles - up to 48 months

2.99%

New & Used Vehicles - up to 60 months

2.99%

New & Used Vehicles - up to 72 months

3.24%

New & Used Vehicles - up to 84 months

4.74%

*APR = Annual Percentage Rate. Rates listed are accurate as of 2/3/2020, and subject to change. Rate listed applies to new vehicles model year 2019 or newer with no prior owner and a loan to value up to 100% or previously titled (used) vehicles model year 2019 or newer with a loan to value of less than 80%. Call for rates on older model vehicles. The rate listed also reflects 0.50% discount for Express Advantage members (those with Andigo checking and direct deposit) who make automatic loan payments from an Andigo checking or savings account. Final rate is based on creditworthiness, term and collateral. All loans, terms and conditions are subject to credit union qualifications and approval.

The 84-month term only applies to 2019 or newer model year vehicles and is based on excellent credit history.

APR — Annual Percentage Rate (reflects your actual interest rate and any additional costs such as prepaid interest or closing costs)

APY — Annual Percentage Yield (the yield you earn on a deposit over a year)