Rates & Fees

Checking and Savings Rates
Checking and Saving Rates (PDF)
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Checking Accounts Minimum Balance Prospective Dividend Rate Annual Percentage Yield (APY)
Checking PLUS None 0.15% 0.15%
Checking None 0.15% 0.15%
Health Savings Account None 0.50% 0.50%
Savings Accounts Minimum Balance Prospective Dividend Rate Annual Percentage Yield (APY)
Main Share Savings $50.00 0.25% 0.25%
Daily Savings $0.01 0.25% 0.25%
You Name It Savings $0.01 0.25% 0.25%
Holiday Club Savings None 0.25% 0.25%
High Yield Money Market Savings $1,000 0.75% 0.75%
Premium Money Market Savings $75,000 1.00% 1.01%
Ultimate Money Market Savings $150,000 1.25% 1.26%
Individual Retirements Accounts (IRA) Minimum Balance Prospective Dividend Rate Annual Percentage Yield (APY)
Traditional IRA $100 1.00% 1.01%
SEP IRA $100 1.00% 1.01%
Roth IRA $100 1.00% 1.01%
Certificate Accounts (Term Share) Minimum Balance Current Dividend Rate Annual Percentage Yield (APY)
6 Month Certificate Account $1,000 1.10% 1.11%
6 Month Certificate Account (Mini-Jumbo) $50,000 1.20% 1.21%
12 Month Certificate Account $1,000 1.35% 1.36%
12 Month IRA Certificate Account (Mini-Jumbo) $50,000 1.50% 1.51%
12 Month Certificate Account (Jumbo) $99,000 1.55% 1.56%
24 Month Certificate Account $1,000 2.05% 2.07%
24 Month Certificate Account (Mini-Jumbo) $50,000 2.15% 2.17%
24 Month Certificate Account (Jumbo) $99,000 2.25% 2.28%
29 Month Certificate Account $1,000 2.40% 2.43%
29 Month Certificate (Mini-Jumbo) $50,000 2.50% 2.53%
29 Month Certificate (Jumbo) $99,000 2.60% 2.63%
36 Month Certificate Account $1,000 2.55% 2.58%
36 Month Certificate (Mini-Jumbo) $50,000 2.65% 2.69%
36 Month Certificate (Jumbo) $99,000 2.75% 2.79%
Youth Certificate Accounts (Term Share) Minimum Balance Current Dividend Rate Annual Percentage Yield (APY)
6 Month Youth Certificate Account $100 0.80% 0.80%
12 Month Youth Certificate Account $100 0.90% 0.90%
24 Month Youth Certificate Account $100 1.25% 1.26%
36 Month Youth Certificate Account $100 1.35% 1.36%
IRA Certificate Accounts (Term Share) Minimum Balance Prospective Dividend Rate Annual Percentage Yield (APY)
12 Month IRA Certificate Account $1,000 1.45% 1.46%
12 Month IRA Certificate Account (Mini-Jumbo) $50,000 1.50% 1.51%
12 Month IRA Certificate Account (Jumbo) $99,000 1.55% 1.56%
24 Month IRA Certificate Account $1,000 2.20% 2.22%
24 Month IRA Certificate Account (Mini-Jumbo) $50,000 2.25% 2.28%
24 Month IRA Certificate Account (Jumbo) $99,000 2.30% 2.33%
36 Month IRA Certificate Account $1,000 2.75% 2.79%
36 Month IRA Certificate Account (Mini-Jumbo) $50,000 2.80% 2.84%
36 Month IRA Certificate Account (Jumbo) $99,000 2.85% 2.89%
Effective Date 2019-10-01

Checking and Certificate Accounts are compounded daily and credited monthly. Savings and IRA dividends are compound daily and credited quarterly. Minimum Balance required to open an account and earn the posted APY. There may be a government penalty for early withdrawal of IRA funds. There is a substantial penalty for early (premature) withdrawal of Certificate Accounts, Youth Certificate Accounts, and IRA Certificate Accounts (Term Share) funds. Please reference Share Accounts Information and Disclosure and/or contact a Credit Union employee for additional information. Rates and terms are subject to change at any time.

Loan and Credit Card Rates
Loan and Credit Card Rates (PDF)
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Car & Truck (New & Used) Rate Type Annual Percentage Yield (APR)
Up to 72 Months Adjustable 4.75%
Up to 72 Months Fixed 5.50%
84 Months Adjustable 5.75%
84 Months Fixed 6.50%
Motorcycle & ATV Loans (New & Used) Rate Type Annual Percentage Yield (APR)
Up to 72 Months Adjustable 5.50%
Up to 72 Months Fixed 6.25%
84 Months Adjustable 6.50%
84 Months Fixed 7.25%
Recreational Vehicles, Special Collateral Loans (New & Used) Rate Type Annual Percentage Yield (APR)
Motorhome, Camper, Travel Trailer, 5th Wheel, Boat/Boat Trailer, Aircraft, etc Adjustable 7.00%
Motorhome, Camper, Travel Trailer, 5th Wheel, Boat/Boat Trailer, Aircraft, etc Fixed 7.75%
Unsecured Loans Rate Type Annual Percentage Yield (APR)
Summer/Holiday Loans Fixed 9.50%
Line of Credit Adjustable 13.45%
Signature Loan Fixed 13.45%
Visa® Credit Card Rate Type Annual Percentage Yield (APR)
Platinum Adjustable 9.50%
Gold Adjustable 11.95%
Classic Adjustable 12.50%
Savings Pledge Loan Rate Type Annual Percentage Yield (APR)
Main Share Savings Pledge Loan Adjustable 2.75%
High Yield Money Market Savings Pledge Loan Adjustable 2.75%
Premium Money Market Savings Pledge Loan Adjustable 3.00%
Ultimate Money Market Savings Pledge Loan Adjustable 3.25%
Certificate Account Pledge Loan Fixed Call for current rates
Credit Builder Loans Rate Type Annual Percentage Yield (APR)
Credit Builder Vehicle Fixed 10.75%
Credit Builder Signature Fixed 14.00%
Credit Builder Line of Credit Adjustable 16.99%
Student Loans Rate Type Annual Percentage Yield (APR)
Offered through SallieMae.com/SmartOption/HughesFCU
Effective Date 2019-10-01
APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect
when the loan is completed. Rates and terms are subject to change at any time. Please contact a Credit Union employee for further information.
Real Estate Loan Rates
Real Estate Loan Rates (PDF)
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Mortgage Loans Rate Type Annual Percentage Yield (APR)
30-Year Conventional Loan (Purchase & Refinance) Fixed 3.750%
15-Year Conventional Loan (Purchase & Refinance) Fixed 3.250%
VA Loan (Purchase & Refinance) Fixed 3.375%
FHA Loan (Purchase & Refinance) Fixed 3.125%
ARM (Purchase & Refinance) Adjustable 3.875%
Home Equity Line of Credit (HELOC) Rate Type Annual Percentage Yield (APR)
Home Equity Line of Credit (<80% Loan-to-Value) Adjustable 6.50%
Home Equity Line of Credit (>80% Loan-to-Value) Adjustable 7.50%
Credit Builder Home Equity Line of Credit Adjustable 12.00%
Line of Credit Rate Type Annual Percentage Yield (APR)
Rental Property Line of Credit Adjustable 8.50%
Vacation Property Line of Credit Adjustable 8.50%
Land Line of Credit Adjustable 8.50%
Manufactured, Mobile Home, Park Model Loans (New & Used) Rate Type Annual Percentage Yield (APR)
Manufactured, Mobile Home, Park Model Loans Adjustable 6.50%
Manufactured, Mobile Home, Park Model Loans Fixed 7.25%
Effective Date 2019-11-12

APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect when the loan is completed.

All Mortgage loans include 1% origination and are based on an 80% LTV of purchase price. Certain restrictions apply. Rates subject to change and are not guaranteed until locked. Ask to speak to a Mortgage Representative for further information.

Home Equity Line of Credit (HELOC) Rates: The index is based on the quarterly average of the Wall Street Journal Prime Rate as stated on the first (1st) work day of each month within the calendar quarters beginning with January, April, July and October (“the Index”) plus a margin of 1.0% and adjusted upward to the nearest 0.250% on loans with a loan-to-value of 80% or less. On loans with a loan-to-value higher than 80%, the rate shall be determined by using the Index plus a margin of 2.0% and adjusted upward to the nearest 0.250%.

Rental Property, Vacation Property and Land Line of Credit Rates: The rate shall be determined by using the Index plus a margin of 3.0% and adjusted upward to the nearest 0.250%. On Credit Builder Home Equity Loans, the rate shall be determined by using the Index plus a margin of 6.5% and adjusted upward to the nearest 0.250%. The APR shall be subject to modification and adjustment any quarter hereafter until this loan is fully paid and discharged, and shall not exceed the maximum interest rate “cap” or 18%, whichever is less, and shall not decline below the minimum interest rate of 5%.

NOTE: Property financed must be in Arizona. Rates and terms are subject to change at any time. Please contact a Credit Union employee for further information.

Product and Service Fees
Product and Service Fees (PDF)
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Effective Date 2019-10-01