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

Rates are effective as of August 1, 2021 and are subject to change without notice.

Checking

Account TypeDividend RateAPY*Minimum To Earn APY*
High-Yield Checking 1
Qualified (up to $10,000)
Qualified ($10,000 )
Non-qualified
2.07%
0.10%
0.06%
2.09%
0.10%
0.06%
No minimum
No minimum
No minimum
Basic Checking0.00%0.00%N/A
Classic Checking2

0.06%

0.06%

$2,000

*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, 2.09% 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.

Savings

Account TypeDividend RateAPY*Minimum To Earn APY*
Savings
Secondary Savings		0.03%
0.03%

0.03%
0.03%

No minimum
No minimum
Money Market

0.05%
0.15%
0.25%

0.05%
0.15%
0.25%  

$1
$25,000
$100,000
IRA Market

0.05%
0.15%
0.25%

0.05%
0.15%
0.25% 

$1
$25,000
$100,000
Health Savings Account

0.05%
0.15%
0.25%

0.05%
0.15%
0.25% 

$1
$25,000
$100,000

*APY = Annual Percentage Yield. 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.

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. 

Certificates

All rates are to be compounded monthly. Certificates include traditional and Roth IRAs, Coverdell Education Savings Accounts and Health Savings Accounts (unless otherwise noted). 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.

CertificatesAverage Dividend Rate*APY*Minimum Balance
6 months0.40%

0.40%

$250
12 months0.45%

0.45%

$250
15 months^0.55%

0.55%

$250
18 months0.45%

0.45%

$250
20 months^0.80%

0.80%

$250
24 months0.50%

0.50%

$250
30 months 0.55%

0.55%

$250
36 months0.60%

0.60%

$250
48 months0.65%

0.65%

$250
60 months0.70%

0.70%

$250
Jumbo CertificatesAverage Dividend Rate*APY*Minimum Balance
6 months0.50%

0.50%

$100,000
12 months0.55%

0.55%

$100,000
15 months^0.65%

0.65%

$100,000
18 months0.55%

0.55%

$100,000
20 months^0.90%

0.90%

$100,000
24 months0.60%

0.60%

$100,000
30 months0.65%

0.65%

$100,000
36 months0.70%

0.70%

$100,000
48 months0.75%

0.75%

$100,000
60 months0.80%

0.80%

$100,000
Super Jumbo CertificatesAverage Dividend Rate*APY*Minimum Balance
6 months0.60%

0.60%

$250,000
12 months0.65%

0.65%

$250,000
15 months^0.75%

0.75%

$250,000
18 months0.65%

0.65%

$250,000
20 months^1.00%

1.00%

$250,000
24 months0.70%

0.70%

$250,000
30 months0.75%

0.75%

$250,000
36 months0.80%

0.80%

$250,000
48 months0.85%

0.85%

$250,000
60 months0.90%

0.90%

$250,000

*APY = Annual Percentage Yield. 
All rates are to be compounded monthly. 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.
^Promotional offer 15-month certificates are valid January 1, 2021 for a limited-time only, and 20-month certificates are valid July 1, 2020 for a limited time only. Minimum deposit of $250. To earn higher tier returns for the jumbo and super jumbo certificates a minimum deposit of $100,000 and $250,000 are required respectively. APY is subject to change without notice. In order to qualify for the promotional offer, your accounts must be in good standing and you must open a new certificate. At maturity, 15-month certificate will automatically roll over into a 18-month certificate unless changes are made within a 10-day grace period. At maturity, 20-month certificate will automatically roll over into a 24-month certificate unless changes are made within a 10-day grace period. Dividends calculated daily, paid monthly. Penalties will apply for early withdrawal of funds. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Business

Account TypeDividend RateAPY*Minimum To Earn APY
Savings0.03%

0.03%

No minimum
Money Market0.15%
0.25%
0.50%

0.15%
0.25%
0.50%

$1
$25,000
$100,000
All-In-One Checking0.06%
0.12%
0.18%
0.25%

0.06%
0.12%
0.18%
0.25%

$1
$10,000
$25,000
$100,000
Classic Checking†0.06%0.06%$2,000

*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. 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. 

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. 

†New Classic Checking accounts are not available.

Vehicle Loans


New Vehicles (2019-2021)APR* (as low as)
Up to 60 months

2.24%

61 – 72 months

2.89%

73 – 84 months

3.49%

Used Vehicles (2015-2018)APR* (as low as)
Up to 60 months

2.49%

61 – 72 months

3.14%

73 – 84 months

3.84%

*APR = Annual Percentage Rate. Not all applicants may qualify for the fixed base rate. The rate listed also reflects 0.50% discount for Express Advantage members. Call Andigo for rates on older model years. Final rate is based on creditworthiness, term and collateral. All loans, terms and conditions are subject to credit union qualifications and approval. An example of payment terms are as follows: a vehicle financed with an APR for 2.69% and a term of 60 months would have an approximate monthly payment per thousand dollars of $18. 

Recreational Vehicles & Motorcycles

New RV (2019-2021)APR* (as low as)
Up to 60 months

4.40%

61 to 120 months

5.40%

121 to 180 months

6.40%

Used RV (2015-2018) APR* (as low as)
Up to 60 months

4.90%

61 to 120 months

5.90%

121 to 180 months

6.90%

MotorcyclesAPR* (as low as)
New: 2019-2021

4.90%

Used: 2015-2018

5.40%

*APR = Annual Percentage Rate. Not all applicants may qualify for the fixed base rate. The rate listed also reflects 0.50% discount for Express Advantage members. Call Andigo for rates on older model years. Final rate is based on creditworthiness, term and collateral. All loans, terms and conditions are subject to credit union qualifications and approval. An example of payment terms are as follows: a vehicle financed with an APR for 5.90% and a term of 60 months would have an approximate monthly payment per thousand dollars of $19. 

Home Equity Lines of Credit (HELOC)

80% CLTV**90% CLTV**100% CLTV
Prime - .50%Prime + 2.25%Prime + 3.75%

*Rates listed above are "as low as." Rate is based on credit worthiness and combined loan-to-value and will vary monthly based on the prime rate (as published in the Wall Street Journal) plus or minus a margin, or 4.0% APR, whichever is higher, with a maximum APR not to exceed 21%. Rates and promotional terms subject to change and may be discontinued without notice. HELOC's have a floor rate of 4.00%


** Interest Only Payments Allowed 

APR = Annual Percentage Rate

Home Equity Loans

Loan to Value (LTV)5 Year Term (APR)10 Year Term (APR)15 Year Term (APR)20 Year Term (APR)
80% LTV4.75%5.25%5.99%6.24%
90% LTV7.75%8.50%9.24%10.24%
100% LTV8.75%10.50%11.24%N/A

*Rates listed above are "as low as". Rate is based on credit worthiness and loan-to-value. Not all applicants may qualify for the fixed base rate. VISA, variable, overdraft protection, real estate, share secure and existing CCU loans are excluded from any rate deductions.

APR = Annual Percentage Rate

Mortgage Loans

Rates Change Daily

Click here to see current rates if you are member of Andigo.

Click here to see current rates if you are not a member of Andigo (guess what... we've merged!).


goLoans

Loan TypeAPR*
Share-Secured

2.00% above Savings dividend rate

Certificate-Secured

2.00% above Certificate dividend rate

Unsecured

8.99%

*Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed include applicable discounts of 0.50% APR for Express Advantage members. Share-Secured, Certificate-Secured and existing Andigo loans are excluded from any rate deductions. An example of payment terms are as follows: a goLoan financed with an APR for 8.99% and a term of 36 months would have a monthly payment per thousand dollars of $31.80.

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)