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

*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.

*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. 

*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 9-month 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, 9-month certificate will automatically roll over into a 12-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.

*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.

*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. 

*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. 

*Annual Percentage Rates (APR) listed above are "as low as" and based on excellent credit history, loan-to-value and loan amount, and applies to members who set up direct deposit and make automatic loan payments from an Andigo account.

Home Equity Loans: 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, Pennsylvania and Wisconsin. Qualified members may borrow up to 80% of the current market value of their home (less any outstanding liens), or up to 90% of the current market value of their home (less any outstanding liens) with a maximum loan amount of $250,000. 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, or GA, 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. 
Home 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, Pennsylvania and Wisconsin. Qualified members may borrow up to 80% of the current market value of their home (less any outstanding liens), or up to 90% of the current market value of their home (less any outstanding liens) with a maximum loan amount of $250,000. 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. The costs for originating your loan, excluding any intangible/mortgage tax, are waived at closing. If residing in FL or GA, 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%
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.

**If you live in FL or GA you must pay applicable taxes at closing.

*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.

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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 index 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.

* 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.