Rates

* 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.

All displayed rates, other than the Visa credit cards and Home Equity products, assume repayment by automatic payments and include a .50% discount. Add .50% for other repayment methods. Some loans show a range of APRs offered. The Applicant’s rate and the financing terms for which they qualify will be determined by the applicant’s credit history and other applicable qualifications. All rates, terms, and conditions shown are subject to change without notice.

Auto Loans
To qualify for the lowest rates shown, you must: make payments by automatic payment; and vehicles financed must be 2013 or newer. If refinancing an existing Inspirus loan, a 1% fee or $75.00 may apply, whichever is greater.

* 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 3.74% – 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. Rates subject to change at any time.

Example: on a $20,000 vehicle loan at 3.89% APR, you would make 72 monthly payments of $311.90. Some restrictions and fees may apply for refinances.

Recreational Vehicle Loans
* An additional discount of .40% for a loan to value less than 80% may apply. Although the credit union charges no fees for new vehicle 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. 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.

Example: on a $40,000 recreational vehicle loan at 7.49% APR, you would make 120 monthly payments of $474.60. Some restrictions and fees may apply for refinances.

Visa Credit Cards
† The maximum APR that may apply over the life of the loan is 18.00%. Third party and credit union fees are estimated to be $0.00. The APR for which you may qualify is based on your credit qualifications. A cash advance fee of 2.5% may be assessed on the advanced amount.
* Minimum monthly payment for the Platinum credit cards is 2% of the outstanding balance or $25, whichever is greater.
** Minimum monthly payment for the Visa Signature credit card is 3% of the outstanding balance or $25, whichever is greater.

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

Home Equity Loans
* Example: If you borrow $50,000 at 3.800% APR for 120 months, the monthly payment would be $501.49. The total principal and interest payments over the life of the loan would be estimated at $60,178.40.

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 payment. 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.