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Rates

Effective date: 07/01/2020

Highlights of the rates, fees, and charges applicable to your account at Inspirus Credit Union, a Division of Gesa Credit Union are provided in the summary below. For a complete listing (including account terms and Truth-In-Savings Account Disclosure), please visit inspirusCU.org or call 888-628-4010 to request a copy of our Rate and Fee Schedule.

Download Rate Sheet (PDF)

Savings

Qualifying Accounts with Direct Deposit/Payroll Deduction & eStatements; Youth accounts with eStatements

Min. Opening Deposit Dividends Compounded
$5.00 Quarterly
Dividend Rate** Annual Percentage Yield**
For balances up to $500.00
3.94% 4.00%
For balances over $500.00
0.05% 0.05%
Accounts without direct deposit/payroll deduction and eStatements will earn .05% dividend rates and .05% APY on any account balance.

Checking

Qualifying Accounts with Direct Deposit/Payroll Deduction & eStatements; Youth accounts with eStatements

Min. Opening Deposit Dividends Compounded
n/a or $50.00 Quarterly
Dividend Rate** Annual Percentage Yield**
For balances up to $500.00
3.94% 4.00%
For balances over $500.00
0.05% 0.05%
Accounts without direct deposit/payroll deduction and eStatements will earn .05% dividend rates and .05% APY on any account balance.

IRA

Min. Opening Deposit Dividends Compounded
$5.00 Quarterly
Traditional/Roth
Dividend Rate** Annual Percentage Yield**
0.25% 0.25%

* Opening deposit waived for members using direct deposit.

** All members who make direct or payroll deduction deposits to their savings account or checking account and receive eStatements for those accounts will earn 5.00% APY on any amount up to $500 in their savings and checking accounts. For amounts over that, they’ll continue to earn the credit union’s regular competitive rates. The benefit will be limited to one savings and one checking account receiving eStatements and direct deposit/payroll deduction per primary account holder. For members with multiple savings and checking accounts, the rate will be applied to the accounts that have been open the longest. Youth accounts and e-Visions qualify without automated deposits. Specialty accounts like IRAs and UTTMA trusts are ineligible. Terms and conditions of this program are subject to change without notice. This promotion may be discontinued at the credit union’s discretion.

Certificates

Term Minimum Deposit $500 Minimum Deposit $50,000 Minimum Deposit $100,000
Interest Rate APY* Interest Rate APY* Interest Rate APY*
3 Month Fixed 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
6 Month Fixed 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
12 Month Fixed 0.399% 0.40% 0.399% 0.40% 0.399% 0.40%
18 Month Fixed 0.399% 0.40% 0.449% 0.45% 0.499% 0.50%
24 Month Fixed 0.499% 0.50% 0.549% 0.55% 0.598% 0.60%
30 Month Fixed 0.598% 0.60% 0.648% 0.65% 0.698% 0.70%
36 Month Fixed 0.598% 0.60% 0.698% 0.70% 0.797% 0.80%
48 Month Fixed 0.698% 0.70% 0.797% 0.80% 0.896% 0.90%
60 Month Fixed 0.797% 0.80% 0.896% 0.90% 0.995% 1.00%
84 Month Fixed 0.896% 0.90% 0.995% 1.00% 1.094% 1.10%

*APY = Annual Percentage Yield. To open a certificate, you must establish and maintain membership by opening a savings account.  

The APY assumes interest remains on deposit until maturity. Interest compounded and credited monthly. Certificates are subject to an interest penalty for early withdrawal of the principal balance. Fees may reduce earnings. Rates may change at any time at the discretion of the Credit Union. For a complete listing (including account terms and Truth-In-Savings Account Disclosure), please call 888.628.4010 to request a copy of our Rate and Fee Schedule.

Money Market

Minimum Daily Balance APY*
$2,500.00–$9,999.99 0.15%
$10,000.00–$24,999.99 0.20%
$25,000.00–$49,999.99 0.25%
$50,000.00–$99,999.99 0.30%
$100,000.00–$249,999.99 0.35%
$250,000.00+ 0.40%

*APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the last dividend declaration date.

Dividends for the Money Market Account are calculated using the daily balance method which applies a daily periodic rate to the balance in the account each day. You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield. The minimum balance required to open this account is $2,500. You must maintain an average daily balance of $2,500 in your account to avoid a service fee of $10.00 per month. New rates are set on the first of each month; rate may change after the account is opened. Fees could reduce earnings on the account.

Vehicle Loan Rates

New Automobile Loans

APR* Loan Amount Max Term Vehicle Age
2.74% No Minimum 48 mos. 2017+
3.24% No Minimum 60 mos. 2017+
3.49% No Minimum 72 mos. 2017+
3.99% $20,000+ 84 mos. 2017+

Used Automobile Loans

APR* Loan Amount Max Term Vehicle Age
2.74% No Minimum 48 mos. 2016-2008
3.24% No Minimum 60 mos. 2016-2008
3.49% No Minimum 72 mos. 2016-2008
3.99% $20,000+ 84 mos. 2016-2008
6.24% No Minimum 48 mos. 2007-2005
6.74% No Minimum 60 mos. 2007-2005

*APR = Annual Percentage Rate. Rate requires an Inspirus Checking or Visa account; otherwise add 0.50% APR. Rate shown also includes 0.25% APR discount for automatic payments. Although the credit union charges no fees for new auto loans or refinances from another institution, fees charged by third parties (including other financial institutions or agencies like the Department of Licensing) may apply. Rates range from 3.24% - 16.75% APR. The rate you receive is subject to your credit history, the age of the collateral, loan to value, and term of the loan. A 1% rate bump may be applied for vehicles over 100,000 miles. Rates subject to change at any time.

Ineligible Collateral: No salvage vehicles, branded titles, lemon-law buy-backs, or vehicles with over 125,000 miles.

Example: On a $20,000 vehicle loan at 3.74% APR, you would make 60 monthly payments of $365.99.

Some restrictions and fees may apply for refinances.

Recreational Vehicles & Boat Loans

New Recreational Vehicle and Boat Loans

APR* Loan Amount Max Term Vehicle Age
2.99% No Minimum 60 mos. 2016+
3.99% Up to $25,000 84 mos. 2016+
4.24% $25,001 - $50,000 120 mos. 2016+
4.74% $50,001 - $100,000 180 mos. 2016+

Used Recreational Vehicle and Boat Loans

APR* Loan Amount Max Term Vehicle Age
3.24% No Minimum 60 mos. 2015-2010
4.49% Up to $25,000 84 mos. 2015-2010
4.74% $25,001 - $50,000 120 mos. 2015-2010
5.24% $50,001-$100,000 180 mos. 2015-2010

*APR = Annual Percentage Rate.Rate requires an Inspirus Checking or Visa account; otherwise add 0.50% APR. Rate shown also includes 0.25% APR discount for automatic payments. Although the credit union charges no fees for new RV and boat loans, fees charged by third parties (including other financial institutions or agencies like the Department of Licensing) may apply. Some restrictions and fees apply on refinances. Rates range from 5.50%- 16.50% APR. The rate you receive is subject to your credit history, the age of the collateral, loan term, and loan to value. Rates offered are subject to change at any time.

Ineligible Collateral: No salvage vehicles, branded titles, lemon-law buy-backs, or vehicles with over 100,000 miles.

Example: On a $40,000 recreational vehicle loan at 8.50% APR, you would make 120 monthly payments of $495.94.

Some restrictions and fees may apply for refinances.

Other Collateral Loans

New Other Collateral Loans

APR* Loan Amount Max Term Vehicle Age
6.99% No Minimum 48 mos. 2017+
7.24% No Minimum 60 mos. 2017+
7.99% No Minimum 72 mos. 2017+
8.49% $20,000+ 84 mos. 2017+

Used Other Collateral Loans

APR* Loan Amount Max Term Vehicle Age
6.99% No Minimum 48 mos. 2016-2005
7.24% No Minimum 60 mos. 2016-2005
7.99% No Minimum 72 mos. 2016-2005
8.49% $20,000+ 84 mos. 2016-2005

*APR = Annual Percentage Rate.

Additional Information: This includes street legal motorcycles, ATV, Utility Trailer, & Misc. Rates include a 0.25% discount for automatic payments from a checking or savings account. Although the credit union charges no fees for other collateral loans, fees charged by third parties (including other financial institutions or agencies like the Department of Licensing) may apply. Some restrictions and fees apply on refinances. Rates range from 6.99% - 15.99% APR. The rate you receive is subject to your credit history, the age of the collateral, loan term, and loan to value. Rates offered are subject to change at any time.

Ineligible Collateral: No salvage vehicles, branded titles, or lemon-law buy-backs.

Example: On a $20,000 other collateral loan at 8.49% APR, you would make 84 monthly payments of $633.26.

Some restrictions and fees may apply for refinances.

Other Loans

Type APR* Loan Amount Max Term
Personal Loan 6.75% Up to $30,000 24 mos.
7.25% Up to $30,000 36 mos.
7.75% Up to $30,000 48 mos.
8.25% Up to $30,000 60 mos.
9.25% Up to $30,000 72 mos.

*APR = Annual Percentage Rate Includes a 0.25% discount for automatic transfer from a checking or savings account.

Example: On a $20,000 personal loan at 9.90% APR, you would make 60 monthly payments of $423.96.

Share Secured Loans

Type APR* Max Term Loan Amount
Regular Share Share rate plus 2% 36 mos. 100% of available account balance
Share rate plus 3% 37 - 60 mos. 100% of available account balance

*APR = Annual Percentage Rate.

Example: Monthly principal and interest payment of $175.68 on a $10,000 loan at 2.09% with a term of 60 months.

Fixed-Rate Home Equity Loans & Variable Lines of Credit

Loan Type Loan Term APR† (1st Lien Position) APR† (2st Lien Position)
Fixed Rate Home Equity 60 -180 months (up to 85% LTV) 3.875%- 4.875% 3.875%- 4.875%
60 - 180 months (up to 90%LTV) 4.125%- 5.125% 4.125%- 5.125%
Vacation Home** 60 - 180 months (up to 75% LTV) 5.150%- 6.450% N/A
Loan Type Amount APR†
Equity Line (HELOC)*** $20,000/ $250,000 3.989%

APR = Annual Percentage Rate.*The rate you receive will be based on your credit history, loan to value, lien position, and terms requested. The Credit Union charges no application fees, third-party provider fees for services such as title insurance, appraisals, and flood determination may apply. If a full appraisal is required that cost would need to be covered by the borrower. Minimum loan amount is $20,000 for 60 and 120 month terms and $30,000 for 180 month terms. Eligibility for loan products may be limited if you do not live in Washington State. Please contact us for details. Inspirus Credit Union is an Equal Housing Lender.

**Vacation homes are for first lien positions only.

***Equity Line's rate is adjusted four times a year by adding 3% to the 11th District Cost of Funds Index as reported at the end of the preceding quarter. Equity Line isn't eligible for our usual one-half percent discount on loans repaid by automatic payments. You may opt for interest-only payments for the first 10 years of your Equity Line and, pending approval, extend your draw period to 15 years. After your draw period ends, the line of credit converts to a loan in which you repay both principal and interest (with no further draws) for up to 15 years. The maximum APR that may apply over the life of the loan is 18.00%. Please consult your tax adviser for details on potential deductibility. Third-party provider fees for services including but not limited to title insurance, appraisals, and flood determination may apply and pass-through costs could range from $0 - $1600.

Visa Credit Card

Visa Type APR* Maximum Loan Amount
Visa Platinum 6.99% - 18.99% Variable Rate $25,000
Visa Signature Cash Back 11.24% - 19.24% Variable Rate $25,000

*APR = Annual Percentage Rate. The APR for which you may qualify is based on your credit qualifications. A cash advance fee of 2.5% with a minimum of $5.00 may be assessed on the advanced amount.

Minimum monthly payment for the Platinum and Signature credit cards is 2% of the outstanding balance or $30, whichever is greater.