Our Rates

Rates up to date as of June 12, 2019. Rates subject to change without notice.

Regular Shares and Escrow Accounts

Minimum BalanceDividend RateAPY 1
$50 - $9990.100%0.100%
$1,000 - $49,9990.100%0.100%
$50,000 and Greater0.100%0.100%
  1. APY = annual percentage yield.

GoldStar® Shares

Minimum BalanceDividend RateAPY 1
$50 - $9990.125%0.125%
$1,000 - $49,9990.125%0.125%
$50,000 and Greater0.125%0.125%
  1. APY = annual percentage yield.
  2. Additional requirements apply for Youth and GoldStar® accounts.

Youth Accounts (Kirby Kangaroo and Claim Your Youth)

Minimum BalanceDividend RateAPY 1
$50 - $9990.150%0.150%
$1,000 - $49,9990.150%0.150%
$50,000 and Greater0.150%0.150%
  1. APY = annual percentage yield.
  2. Additional requirements apply for Youth and GoldStar® accounts.
  3. Each member is only allowed one primary share account. Minimum required account balance may be different than the minimum rate balance listed above.

Business Share Account

Minimum BalanceDividend RateAPY 1
$50 - $9990.125%0.125%
$1,000 - $49,9990.125%0.125%
$50,000 and Greater0.125%0.125%
  1. APY = annual percentage yield.

IRA Shares

Minimum BalanceDividend RateAPY 1
$1 and Greater0.250%0.250%
  1. APY = annual percentage yield.

Club Account

Minimum BalanceDividend RateAPY 1
$250.100%0.100%
  1. APY = annual percentage yield.

Non-Interest Bearing

Minimum BalanceDividend RateAPY 1
$250.000%0.000%
  1. APY = annual percentage yield.

Share Draft Accounts

Account TypeMinimum BalanceDividend RateAPY 1
Regular Share Draft$5000.050%0.050%
FreshStart Share Draft 2$5000.000%0.000%
ATM Share Draft$5000.000%0.000%
Business Basic Share Draft$5000.050%0.050%
Business Premier Share Draft$5000.200%0.200%
GoldStar® Share Draft 2$5000.100%0.100%
  1. APY = annual percentage yield.
  2. Additional requirements apply for Youth and GoldStar® accounts.

Money Market

Minimum BalanceDividend RateAPY 1
$0 - $9990.000%0.000%
$1,000 - $4,9990.399%0.400%
$5,000 - $9,9990.449%0.450%
$10,000 - $24,9990.598%0.600%
$25,000 - $49,9990.698%0.700%
$50,000 - $99,9990.698%0.700%
$100,000 and Greater0.698%0.700%
  1. APY = annual percentage yield.

Share Certificates, IRA Certificates, and Dedicated Saver Certificates

TermMinimum BalanceDividend RateAPY 2
6 Months$500.001.982%2.000%
12 Months$500.002.716%2.750%
18 Months$500.002.765%2.800%
24 Months$500.002.960%3.000%
36 Months 3$500.002.960%3.000%
48 Months 3$500.003.057%3.100%
60 Months 3$500.003.251%3.300%
  1. $5.00 minimum balance required, also requires automatic transfer deposits of at least $5.00 monthly.
  2. APY = annual percentage yield.
  3. 36 to 60 months regular certificates (excludes Dedicated Saver certificates) have a “Bump Option,” allowing a one-time rate change (to current published rates) during the life of the certificate. The bump can be waived up front in exchange for an additional 0.100% APR (annual percentage rate) rate increase.

Share Certificate Modifiers

Account TypeMinimum BalanceShare Certificate TermAPR 1
GoldStar®AnyAny0.100%
IRA Transfer SpecialAnyAny0.200%
Youth AccountsUnder $100.00Any0.100%
Youth AccountsUnder $500.00Any0.200%
Youth Accounts$500.00 or MoreAny0.300%
Jumbo Certificates$75,000.00 or MoreAny0.150%
Birthday or Anniversary PostcardAnyAny0.100%
  1. APR = annual percentage rate.

Credit Cards

Account TypeAPR 1
VISA Platinum9.90% 2
Cash Back VISA12.90%
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  2. Minimum limit is $200.00 unless part of a promotional program.

Boats & RV Loan

BalanceTermAPR 1
Under $15,000Up to 84 Months5.74%
$15,000 and GreaterUp to 144 Months6.74%
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Motorcycle, 4-wheeler, Jet-Ski

BalanceTermAPR 1
Under $15,000Up to 84 Months5.74%
$15,000 and GreaterUp to 144 Months6.74%
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Share Secured Loan

TermAPR
12 Months3.00% 1 above savings rate
24 Months3.25% 1 above savings rate
36 Months3.50% 1 above savings rate
48 Months3.75% 1 above savings rate
60 - 120 Months4.00% 1 above savings rate
Visa Credit Card Share Secured9.90%
  1. Based on lowest share rate offered. Rate determined by Members current dividend rate of secured shares.

Credit Builder Loan

TermAPR 1
Up to 24 Months9.90%
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Overdraft Line of Credit

Account TypeAPR 1
Overdraft Line of Credit18.00%
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Personal Loan

Account TypeTermAPR 1
Personal LoanUp to 60 Months9.99% 12 months
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Mortgages-Conforming

Account TypeRateAPR 1
30 Year Fixed5.001%5.116%
20 Year Fixed4.750%4.855%
15 Year Fixed4.5%4.594%
  1. The information provided is for a fixed mortgage and assumes the purpose of the loan is rate/term refinance, with a loan amount of $187,500.00 and an estimated property value of $250,000.00. The property is located in UT and is within Salt Lake County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

Mortgages-Mini ($250,000 or less)

Account TypeRateAPR 1
5 Year Fixed4.115%4.115%
7 Year Fixed4.365%4.365%
10 Year Fixed4.615%4.615%
  1. The information provided is for a fixed mortgage and assumes the purpose of the loan is rate/term refinance, with a loan amount of $187,500.00 and an estimated property value of $250,000.00. The property is located in UT and is within Salt Lake County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

Home Equity (Fixed 2nd)

Account TypeTermAPR 1
Home Equity Line of CreditCall for Rate Info - 801-359-9600Call for Rate Info - 801-359-9600
Home Equity5 Year5.62% 2
Home Equity10 Year6.12% 3
  1. Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  2. Fixed rate, 0% down, Current rate based off Loan To Value of 80%.
  3. Fixed rate, 0% down, Current rate based off Loan To Value of 80%.

Lot Loan

Account TypeAPR 1
Improved Lot Loan5.00% 2
Unimproved Lot Loan8.00% 2
  1. Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  2. 40% down, term based off credit rating.

Construction Loan

Account TypeAPR 1
Construction Loan6.25% 2
  1. Rates and financing are based on applicant's credit worthiness and the term of the loan.
  2. Loan to Cost = 90%, Loan to Value = 80% Fixed Rate, Term of 1 Year

Auto Loan

Account TypeTermAPR 1
New VehicleUp to 84 Months3.99% 60 months
Used VehicleUp to 84 Months3.99% 60 months
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

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© 2019 American United Federal Credit Union. All Rights Reserved. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. ABA Routing Number: 324078640

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