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

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.

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.

²New Classic Checking accounts are not available.

Savings insured up to $250,000, and Individual Retirement Accounts are separately insured to $250,000, by the National Credit Union Administration, a U.S. government agency. An additional $250,000 of coverage is provided by Excess Share Insurance. Federal regulations prohibit the payment of dividends in excess of available earnings. All dividends are calculated using the actual daily balance method, compounded monthly and paid monthly. Any deposits or withdrawals will affect the actual APY earned. Fees may reduce earnings. These are variable rate accounts; rates are subject to change without notice.

Savings 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.

On all Andigo money market accounts, you are permitted to make up to six preauthorized, automatic, telephonic, audio response or Internet transfers to another of your accounts, or to the account of any other person or organization, during the calendar month. If you exceed these limitations, your account may be subject to a fee or be closed. In addition, a $10.00 fee may be assessed for each withdrawal in excess of six per calendar month, regardless of type. These withdrawals include preauthorized, automatic, telephonic, audio response, Internet transfers, transfers from your account to pay a loan with us, withdrawals by check made directly to you, in person withdrawals, withdrawals by mail or withdrawals made by ATM. Monthly minimum balance fee of $10 is assessed on account balances less than $2,500. Fees may reduce earnings. These are variable rate accounts; rates are subject to change without notice.

(Rates apply to HSA and IRA Certificates as well.)

Certificates include traditional and Roth IRAs, Coverdell Education Savings Accounts and Health Savings Accounts. Early withdrawal penalties may apply, and fees may reduce earnings. Coverdell Education Savings Accounts require no minimum and are not available for a 6-month term. 24-month, 36-month, and 48-month CDs not available for IRAs, Coverdell Education Savings Accounts and Health Savings Accounts.

*Annual Percentage Rate (APR) is based on your credit history, and reflects a .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. APRs listed above for used cars applies to previously titled 2018 or newer models with a loan to value of less than 80%. Please call Andigo for other rates on older model years. Other terms and conditions may apply. Payment example: A $20,000 loan with a 48-month term and 3.49% APR would have a monthly payment at $447.63. Rates subject to change without notice. All loans subject to credit approval.

^† The 84-month term only applies to 2018 or newer model year vehicles and is based on excellent credit history.

Home Equity Loan Disclosure
APR (Annual Percentage Rate) for a fixed rate home equity loan is based on a 60-month term of at least $25,000 and 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 might be different and will be based on several factors, including creditworthiness, loan to value and term of the loan. Qualified properties include owner-occupied single-family homes, condominiums, town homes, and one to four unit multiple owner-occupied dwellings in Arizona, California, Florida, Georgia, Illinois, Massachusetts, Michigan, New Hampshire, New York, Pennsylvania, Texas and Wisconsin. Qualified members can borrow up to 90% of the current market value of their home (less any outstanding liens). In Texas, the limit is 80% loan to value. Texas residents: You may borrow up to 80% of your home’s property value, less any outstanding first mortgage balance. State laws may affect final terms. The costs for originating your loan, excluding any intangible/mortgage tax, are waived at closing. If residing in FL, GA or NY, the intangible/mortgage tax (ranging from $0 to $28,600 depending on state and amount of loan) must be paid by borrower at closing or can be included in your loan. If the loan is repaid within 12 months of opening, the closing costs waived must be reimbursed, typically $350 to $2,000. Payment example: A $50,000 loan with a 60-month term and a 5.49% APR is $956.83 per month. The credit union makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.

Home Equity Lines of Credit Disclosure
¹Home Equity Lines of Credit: A variable Annual Percentage Rate (APR) applies to this loan. It adjusts quarterly based on the Prime Rate as published in The Wall Street Journal 45 days prior to the rate change date. Home Equity Lines of Credit have a 20 year term. You can advance available funds during the first ten years, called the draw period. During the draw period, your minimum payment due each month is interest only, meaning they only cover the interest accrued on the loan during the month. After the draw period the remaining ten years is called the repayment period and your minimum payment is then principal and interest that will pay the balance off in ten years. Qualified properties include owner-occupied single family homes, condominiums, town homes, and one to four unit owner-occupied dwellings in Arizona, California, Florida, Georgia, Illinois, Massachusetts, Michigan, New Hampshire, New York, Pennsylvania, Texas and Wisconsin. Qualified members can borrow up to 90% of the current market value of their home (less any outstanding liens). Texas residents: You may borrow up to 80% of your home’s property value, less any outstanding first mortgage balance, not to exceed 50% of your home’s value. California residents: You may borrow up to 85% of your home’s property value, less any outstanding first mortgage balance. For Line amounts up to $100,000, maximum LTV is 85%. For Line amounts $100,000.01 - $250,000, maximum LTV is 80%. For Line amounts $250,000.01 - $500,000, maximum LTV is 70%. Line amounts greater than $500,000 are not allowed. State laws may affect final terms. Minimum initial advance is $5,000 and subsequent advances must be $500 or more, except for TX, which is $4,000 for both the initial and subsequent advances. The costs for originating your loan, excluding any intangible/mortgage tax, are waived at closing. If residing in FL, GA or NY, the intangible/mortgage tax (ranging from $10 to $5,000, depending on state and amount of HELOC limit) must be paid by borrower at closing or can be included in your initial advance. If the HELOC is closed within 12 months of opening, the closing costs waived must be reimbursed, typically $350 to $2,000. Maximum APR is 18%. The credit union makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.  

Interest Only Home Equity Lines of Credit
All terms and conditions for home equity line of credit (see above) apply. Additionally, interest only home equity lines of credit loan provides for “interest only” payments during a portion of the term of the loan. These payments only cover the interest accrued on the loan during the month. Interest only payments do not reduce the principal balance even though you are making the minimum payment due.

All dividends are calculated using the actual daily balance method, compounded monthly and paid monthly. Any deposits or withdrawals will affect the actual APY earned. Fees may reduce earnings. These are variable rate accounts; rates are subject to change without notice. 
†New Classic Checking accounts are not available. 
On all Andigo savings or money market accounts, you are permitted to make up to six pre-authorized, automatic, telephonic, audio response or Internet transfers to another of your accounts, or to the account of any other person or organization, during a calendar month. You will be charged a monthly $10 below minimum balance fee if your money market account balance is less than $2,500. Fees may reduce earnings. These are variable rate accounts; rates are subject to change without notice.   
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. 
*APY = Annual Percentage Yield. Savings insured up to $250,000, and Individual Retirement Accounts are separately insured to $250,000, by the National Credit Union Administration, a U.S. government agency. An additional $250,000 of coverage is provided by Excess Share Insurance. Federal regulations prohibit the payment of dividends in excess of available earnings.

* 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.

* 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 $182.80 per month.

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APR = Annual Percentage Rate. This is a variable rate loan available to qualified borrowers. The APR will vary quarterly based on the One Month Libor as published in The Wall Street Journal. The borrower must be a U.S. citizen or legal resident. Loan terms up to 20 years. The minimum loan amount is $1,000 and the maximum cumulative loan amount (per membership account) is $40,000. Loan may not be used to consolidate other student loan debt. Loan proceeds may not exceed the total amount needed for expenses associated with attending school. These include, but are not limited to: tuition, books, school fees, room and board, transportation and supplies. Grants, scholarships and other student loans may reduce the amount you may be eligible for, regardless of creditworthiness and ability to repay. Borrower must submit acceptable proof of enrollment. Loan disbursement check or EFT will be sent directly to the educational institution. Repayment term begins within 45 days of the disbursement. Minimum payment amount is $50 per month, per loan. The maximum rate is 18%. Rates, terms and conditions are subject to change.

*Annual Percentage Rate (APR) is based on excellent credit history, and reflects a .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. APR for new recreational vehicles applies to 2018 or newer models with a loan to value up to 100%. Please call Andigo for other rates on older model years. Other terms and conditions may apply. National average APR may not reflect rate discounts offered by Andigo. Payment example: A $20,000 loan with a 60-month term and 4.74% APR would have a monthly payment at $375.73.

^†Terms 84-120 months are for loans $20,000 or more and available on model years 2012 and newer. Terms 121-180 months are for loans $25,000 or more and available on model years 2015 and newer. The maximum term for motorcycles is 84 months.

Rates subject to change without notice. All loans subject to credit approval.