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

Rates are effective as of July 16, 2018, and subject to change without notice.

Checking

Account TypeMinimum to earn APYBank Rate AverageRateAPY
High-Yield Checking*
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 Checking


0.00%0.00%
Classic Checking

0.06%

0.06%

*If 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 transactions must post and clear by the last business day of the month. 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.

No new Classic Checking accounts will be opened starting 7/16/2018. For all existing accounts, a minimum balance of $2,000 is required to earn APY.

Savings

Account TypeRateAPYCompound FrequencyMinimum To Earn APYBank Average APY
Savings0.08%

0.08%

monthlyNo minimum0.07%
Money Market

0.31%
0.41%
0.52%

0.31%
0.41%
0.52%

monthly$1
$25,000
$100,000
0.09%
0.18%
0.24%
IRA Market

0.31%
0.41%
0.52%

0.31%
0.41%
0.52%

monthly$1
$25,000
$100,000

*
*
*

Health Savings Account

0.31%
0.41%
0.52%

0.31%
0.41%
0.52%

monthly$1
$25,000
$100,000

*
*
*

* No bank averages are shown for these products/tiers because this offering is not commonly available at other financial institutions. Bank average APYs provided by S&P Global, an unbiased research firm that monitors rates from over 5,400 financial institutions nationwide.

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.

Certificates

Account TypeRateAPYCompound FrequencyMinimum to Earn APYBank Average APY
6 months0.57%

0.57%

monthly$1,0000.22%
12 months0.91%

0.91%

monthly$1,0000.41%
14 months^2.18%

2.20%

monthly$1,000N/A
18 months1.24%

1.25%

monthly$1,0000.50%
30 months1.31%

1.32%

monthly$1,0000.54%
60 months2.02%

2.04%

monthly$1,0001.06%
Super Jumbo 6 months0.58%

0.58%

monthly$250,0000.22%
Super Jumbo 12 months0.92%

0.92%

monthly$250,0000.41%
Super Jumbo 18 months1.25%

1.26%

monthly$250,0000.50%
Super Jumbo 30 months1.32%

1.33%

monthly$250,0000.54%
Super Jumbo 60 months2.03%

2.05%

monthly$250,0001.06%
^APY = Annual Percentage Yield. Promotional offer of 2.20% APY is for a 14-month certificate and is valid May 8, 2018 for a limited time only. Minimum deposit of $1,000 and maximum of $250,000. APY is subject to change without notice. Certificate must be opened with funds not currently or previously on deposit at Andigo (new money only). In order to qualify for the promotional offer, your accounts must be in good standing and you must open a new certificate. At maturity, 14-month certificate will automatically roll over into a 12-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 TypeRateAPYCompound FrequencyMinimum to Earn APYBank Average APY
Savings0.08%

0.08%

monthlyNo minimum0.07%
Money Market0.31%
0.54%
1.75%

0.31%
0.54%
1.76%

monthly

$1 
$25,000
$100,000

0.09%
0.18%
0.24%

All-In-One Checking0.06%
0.12%
0.18%
0.25%

0.06%
0.12%
0.18%
0.25%

monthly

$1
$10,000 
$25,000
$100,000

0.06%
*
*
*

Looking for a business credit card? We've got that covered too.

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

If you opened your account before 10/10/2017 and did not convert to our All-In-One Checking product your rate and APY are the same as the first-tier All-In-One Checking rate.

Bank average APY is provided by Datatrac, a research firm that monitors rates from over 20,000 financial institutions.

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.

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.

Credit Cards

Credit CardAPR
Visa Platinum Cash Back

Intro 0% for six months.
After that, variable APR will be 11.99% - 20.99%, based on your creditworthiness.*

Visa Platinum Rewards

Intro 0% for six months.
After that, variable APR will be 13.40% - 22.40%, based on your creditworthiness.*

Visa Platinum

Intro 0% for six months.
After that, variable APR will be 11.40% - 20.40%, 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.

Home Equity Lines and Loans

Loan TypeAPR As Low As**Bank Average APR
Home Equity Loan

4.99%

5.60%
Variable Rate Home Equity Line of Credit

4.25%

6.21%

** APR = 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 savings or checking account. In addition, the 4.99% APR for a home equity loan is based on a 5-year term. Your actual rate might be different and will be based on several factors, including creditworthiness, loan to value and term of the loan. Home equity loan payment example: A $50,000 loan with a 60-month term and a 4.99% APR is $945.28 per month.

* No bank averages are shown for these products/tiers due to the fact that this offering is not commonly available at other financial institutions. Bank average APRs provided by S&P Global, an unbiased research firm that monitors rates from over 5,400 financial institutions nationwide.

Home Equity Loan Disclosure
A fixed Annual Percentage Rate (APR) 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 $10 to $5,000 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 4.99% APR is $945.28 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
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. 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 HELCO 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.

Vehicle Loans

Rates as low as displayed for new and used vehicles.

TermAPR As Low As*Bank Average APR
New Vehicle - up to 24 months

2.99%*

**
New Vehicle - up to 36 months

2.99%*

4.25%
New Vehicle - up to 48 months

2.99%*

4.31%
New Vehicle - up to 60 months

3.24%*

4.40%
New Vehicle - up to 72 months

3.99%*

4.50%
New Vehicle - up to 84 months

4.99%

**
Used Vehicle - up to 24 months

2.99%*

**

Used Vehicle - up to 36 months

2.99%*

4.71%
Used Vehicle - up to 48 months

2.99%*

4.75%
Used Vehicle - up to 60 months

3.24%*

4.69%
Used Vehicle - up to 72 months

3.99%*

4.67%
Used Vehicle - up to 84 months†

4.99%*

**

*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 2017 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 60-month term and 2.99% APR would have a monthly payment at $359.75. Rates subject to change without notice. All loans subject to credit approval.

goLoan

Loan TypeAPR As Low As*
Share-Secured goLoan

1.50% above (savings) dividend rate

Certificate-Secured goLoan

1.50% above (savings) dividend rate

Unsecured goLoan

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 $182.80 per month.

Student Loans

Loan TypeAPR As Low As
Private Student Loans6.00%

apply now

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.

Mortgages

Rates Change Daily

Click here to see current rates.

Recreational Vehicles

TermAPR As Low As*Bank Average APR
New Recreational - up to 60 months

4.24%*

7.08%

New Recreational - up to 72 months

4.49%*

*

New Recreational - up to 120 months

7.49%*

*

Used Recreational - up to 60 months

4.24%*

7.08%

Used Recreational - up to 72 months

4.49%*

*

Used Recreational - up to 120 months

7.49%*

*

*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 2017 or newer models with a loan to value up to 100%. APR for used recreational vehicles applies to 2015-2016 models with a loan to value of less than 80%. The APR for used 2012-2014 models is as low as 4.74% APR (60 month term), and for used 2011 and older models is as low as 6.74% APR (60 month term). 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 4.24% APR would have 59 payments at $371.17. Rates subject to change without notice. All loans subject to credit approval.

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)

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