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Current Rates

Rates up to date as of June 3, 2024. Rates subject to change without notice
Rates Page Dropdown FIlter

Checking Accounts

Account TypeDividend RateAnnual Percentage YieldMinimum BalanceBalance to Earn Monthly Dividends
Primary Checking0.050%0.050% APY$0$500+
GoldStar® Checking10.100%0.100% APY$0$500+
Business Basic Checking0.050%0.050% APY$0$500+
Business Premier Checking0.200%0.200% APY$0$500+
ATM Checking2$0
Fresh Start Checking2$100
Empowered Checking3$ 0

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Additional requirements apply for GoldStar® membership.
2. Checks are not allowed on ATM or Fresh Start checking accounts.
3. Must be referred through BankOn for Empowered checking accounts.

Savings Accounts

Savings AccountsDividend RateAnnual Percentage YieldMinimum BalanceBalance to Earn Dividends
Primary Savings0.100%0.100% APY$5$50+
GoldStar® Savings10.125%0.125% APY$5$50+
Business Savings0.125%0.125% APY$5$50+
Youth Savings20.150%0.150% APY$5$50+
Club Savings0.100%0.100% APY$0$25+
Escrow Account0.100%0.100% APY$0$50+
Retirement (IRA) Savings30.499%0.500% APY$0$1+

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Additional requirements apply for GoldStar® membership.
2. Must be younger than 18 years of age to open a Youth Savings account.
3. Subject to early withdrawal penalty before the age of 59.5 (Traditional before-tax or Roth after-tax IRAs).

Certificates (Regular, IRA, & Dedicated Saver)

Certificate Term1Dividend RateGoldStar® Membership2
Dividend Rate
Minimum Balance3Dedicated Saver4
Minimum Balance
6-month5.032% (5.150% APY)5.128% (5.250% APY) $500+$5+
12-month4.889% (5.000% APY)4.985% (5.100% APY) $500+$5+
18-month4.218% (4.300% APY) 4.314% (4.400% APY) $500+$5+
24-month4.218% (4.300% APY) 4.314% (4.400% APY) $500+$5+
36-month4.025% (4.100% APY)4.121% (4.200% APY) $500+$5+
48-month3.832% (3.900% APY)3.929% (4.000% APY) $500+$5+
60-month3.832% (3.900% APY)3.929% (4.000% APY) $500+$5+

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
2. Additional requirements apply for GoldStar® membership.
3. Minimum balance to open and earn the APY for certificate and IRA certificate accounts is $500. Additional deposits are not allowed after opening.
4. Minimum balance to open and earn the APY for Dedicated Saver certificate and IRA certificate accounts is $5. Additional deposits are allowed after opening and require automatic transfers of at least $5 per month.

Certificates (Jumbo)

Certificate Term1Dividend RateGoldStar® Membership2
Dividend Rate
Minimum Balance3
6-month5.128% (5.250% APY)5.223% (5.350% APY)$100,000+
12-month4.985% (5.100% APY)5.080% (5.200% APY)$100,000+
18-month4.314% (4.400% APY)4.410% (4.500% APY) $100,000+
24-month4.314% (4.400% APY)4.410% (4.500% APY) $100,000+
36-month4.121% (4.200% APY)4.218% (4.300% APY)$100,000+
48-month3.929% (4.000% APY)4.025% (4.100% APY) $100,000+
60-month3.929% (4.000% APY)4.025% (4.100% APY) $100,000+

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
2. Additional requirements apply for GoldStar® membership.
3. Minimum balance to open and earn the APY for Jumbo certificate & Jumbo IRA certificate accounts is $100,000. Additional deposits are not allowed after opened.

Money Market

Money Market BalanceDividend RateAnnual Percentage Yield
$0 - $999 --
$1,000 - $4,9991.490%1.500% APY
$5,000 - $9,9991.588%1.600% APY
$10,000 - $24,9991.736%1.750% APY
$25,000 - $49,9992.227%2.250% APY
$50,000 - $99,9992.618%2.650% APY
$100,000 - $249,9993.203%3.250% APY
$250,000 and Greater3.929%4.000% APY

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.

Auto Loans

By Model Year & Loan Type60-month APR72-month APR84-month APR
2018 & Newer1As low as 5.99%3 As low as 6.24%3 As low as 6.99%3
2017 & Older1As low as 6.99%3 As low as 7.24%3As low as 7.99%3
2018 & Newer (Branded/Rebuilt Title)2As low as 6.49%3As low as 6.99%3
2017 & Older (Branded/Rebuilt Title)2As low as 7.49%3As low as 7.99%3

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Loan terms can be extended up to 6 months for adding Debt Protection, Guaranteed Asset Protection (GAP), or Mechanical Breakdown coverages.
2. Not eligible for Guaranteed Asset Protection (GAP) coverage. Unable to extend loan terms for adding Debt Protection or Mechanical Breakdown coverages.
3. GoldStar® Membership required, otherwise rate is 0.25% APR higher.

RV Loans

All Recreational Vehicles84-month APR144-month APR
2018 & Newer1As low as 7.49%2As low as 8.49%2
2017 & Older1As low as 8.49%2As low as 9.49%2

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Loan terms can be extended up to 6 months for adding Debt Protection or Guaranteed Asset Protection (GAP) coverages.
2. GoldStar® Membership required, otherwise rate is 0.25% APR higher.

Credit Cards

Fixed Rate Credit Cards1Annual Percentage Rate
VISA® Reward PointsAs low as 9.90% fixed
VISA® Cash BackAs low as 12.90% fixed
VISA® Secured9.90% fixed for all credit scores
VISA® Business Cash Back As low as 9.90% fixed

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Minimum limit is $200.00 unless part of a promotional program.

Overdraft Line of Credit

Account TypeAnnual Percentage Rate
Overdraft Line of Credit118.00%

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Loan payment calculation is 2.00% of balance or $20 minimum.

Signature Loans

Personal Loan Types12-month APR24-month APR36-month APR48-month APR60-month APR
SignatureAs low as 10.24%2As low as 10.49%2As low as 10.74%2As low as 10.99%2As low as 11.24%2
Holiday1As low as 8.74%2As low as 8.99%2

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Holiday loans are only available during the months of November, December, and January.
2. GoldStar® Membership required, otherwise rate is 0.25% APR higher.

Secured Loans

Secured Loan Types12-month APR24-month APR36-month APR 48-month APR60-month APR120-month APR
Savings Account+3.00%2+3.25%2+3.50%2+3.75%2+4.00%2+4.00%2
Certificate1 Account+3.00%2+3.25%2+3.50%2+3.75%2+4.00%2

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Certificate Secured Loans loan term max is 60 months.
2. Above savings rate, based on lowest share rate offered. Rate determined by member’s current dividend rate of secured shares.

AU Quick Cash Loans

24/7 Online Approval13-month APR6-month APR9-month APR12-month APRMaximum Loan Amount
No credit check required227.5%27.5%27.5%27.5%$2,000

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
This loan is best for personal emergencies when you need cash right away and/or to be used as an alternative to higher rate payday loans.
1. Non-refundable application fee of $20.
2. Eligibility and loan approval is based on current member’s relationship with the credit union.

Home Loans

All Home LoansTermAnnual Percentage Rate
Mortgage (Conforming)15, 20, & 30-yearsCall 801-359-9600 for today's rates
Mortgage ($250,000 or less)5, 7, & 10-yearsAs low as 4.99%3
Construction Loan11-yearAs low as 6.25%
Lot Loan (Improved)22, 3, 4, & 5-yearsAs low as 7.00%3
Lot Loan (Unimproved)22, 3, 4, & 5-yearsAs low as 8.50%3
Home Equity Loan5, 7, 10, & 15-yearsAs low as 5.99%3
Home Equity Line of Credit (HELOC)10-year Draw & 20-year AmortizationAs low as 8.50%
HELOC Intro Rate (Limited-Time Offer)6-months3.99%

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Loan to Cost = 90%, Loan to Value = 80%.
2. Max Loan to Value of 80% on Improved Lot Loans and 60% on Unimproved Lot Loans.
3. Lowest rate available for shortest term offering only, please contact credit union for specific rate options based on term.

Business Loans

All Business LoansTermAnnual Percentage Rate (APR)
Commercial Real EstateCall 801-359-9600 to learn moreCall 801-359-9600 for today's rates
Lines of CreditCall 801-359-9600 to learn moreCall 801-359-9600 for today's rates
EquipmentCall 801-359-9600 to learn moreCall 801-359-9600 for today's rates
VehiclesCall 801-359-9600 to learn moreCall 801-359-9600 for today's rates
Small Business (SBA)Call 801-359-9600 to learn moreCall 801-359-9600 for today's rates

Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).