Education, our passion. Giving back, our promise.
All Inspirus branches will be closed on Monday, January 20, 2020 in observance of Martin Luther King Jr. Day. If you need immediate access to your accounts during the closure, please use Digital Banking or Telephone Banking. Thank you for your membership!
Education, our passion. Giving back, our promise.
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.
Qualifying Accounts with Direct Deposit/Payroll Deduction & eStatements; Youth accounts with eStatements
Qualifying Accounts with Direct Deposit/Payroll Deduction & eStatements; Youth accounts with eStatements
* 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 8.00% 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.
*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.
**15-Month CD accounts will automatically renew as 24-Month CD accounts at the prevailing interest rate.
***35-Month CD accounts will automatically renew as 36-Month CD accounts at the prevailing interest rate.
*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.
*APR = Annual Percentage Rate. Rates include a 0.25% discount for automatic transfer from a checking or savings account. 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.
*APR = Annual Percentage Rate. Rates include a 0.25% discount for automatic transfer from a checking or savings account. 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.
*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.
*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.
*APR = Annual Percentage Rate. Includes a 0.25% discount for automatic transfer from a checking or savings account.
Example: Monthly principal and interest payment of $175.68 on a $10,000 loan at 2.09% with a term of 60 months.
*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 refinancing an existing Inspirus Credit Union loan, a refinance fee may apply. Minimum loan amount $10,000. 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.
‡Loan amount borrowed (non-refinanced Inspirus funds) must be at least $20,000 and not greater than $200,000 in order to have the third-party fees waived. Otherwise, the credit union charges no application fees, but third-party provider fees for services such as title insurance, appraisals, and flood determination may apply.
***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 advisor 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 - $1,600.
*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.