Our Rates

Auto Loan

48 MONTHS 60 MONTHS 72 MONTHS84 MONTHS Limited Credit**
60 MONTHS
Rates as low as:48 MONTHS :6.49% APR**60 MONTHS :6.74% APR**72 MONTHS:6.99% APR**84 MONTHS :7.74% APR**Limited Credit**60 MONTHS:16.49% APR*
Monthly payment estimates
per $1,000 borrowed.
48 MONTHS :$23.7160 MONTHS :$19.6872 MONTHS:$17.0484 MONTHS :$15.46Limited Credit**60 MONTHS:$25.84

Mortgage Rates

Term5 YEAR*15 YEAR20 YEAR30 YEAR
Term:Rate5 YEAR*:6.25% APR**15 YEAR:6.875% APR**20 YEAR:6.875% APR**30 YEAR:7.25% APR**

HOME EQUITY, PERSONAL, & CREDIT CARDS

HOME EQUITY LINE OF CREDITPERSONAL LOAN 12 MONTHSVISA CREDIT CARDPlatinum+ Rewards
Rates as low as:HOME EQUITY LINE OF CREDIT:Call Us!PERSONAL LOAN 12 MONTHS:11.99% APR**VISA CREDIT CARD:11.99% APR**Platinum+ Rewards:13.99% APR**
Monthly payment estimates per $1,000 borrowed.HOME EQUITY LINE OF CREDIT:801-567-3310PERSONAL LOAN 12 MONTHS:$48.49VISA CREDIT CARD:Payments will vary with balancePlatinum+ Rewards:Payments will vary with balance

SHARE DIVIDEND AND CERTIFICATE INTEREST RATE SCHEDULE

REGULAR SHARES (SAVINGS)

As of April 1, 2024, the dividend rate paid was 0.10% and the annual percentage yield (APY) was 0.10%. In addition the credit union estimates a prospective dividend rate of 0.10% and a prospective APY of 0.10% for the period of April 1 through June 30, 2023. Fees could reduce earnings. Dividends are credited quarterly. The Dividend Rate and Annual Percentage Yield may change quarterly for Share Savings.

ELITE CHECKING

Balance RangesAPY^ATM RefundsQualifiers
Balance Ranges:$0 - $10,000APY^:1.50% APY^ATM Refunds:up to $20/moQualifiers:e*Statements, one ACH post and clear, and ten debit card purchases post and clear
Balance Ranges:Above $10,000APY^:0.25% APY^ATM Refunds:up to $20/moQualifiers:e*Statements, one ACH post and clear, and ten debit card purchases post and clear
Balance Ranges:$0 & up (w/o) qualifiersAPY^:0.05% APY^ATM Refunds:N/AQualifiers:N/A

See a friendly JCU representative today or the Rewards Checking Page for more details.

Money Market Deposit Account (MMDA)

Balance RangesDividend RateAPY^
Balance Ranges:Below $2,500Dividend Rate:0.50%APY^:0.50% APY^
Balance Ranges:$2,501 - $10,000Dividend Rate:0.75%APY^:0.75% APY^
Balance Ranges:$10,001 - $20,000Dividend Rate:1.00%APY^:1.00% APY^
Balance Ranges:$20,001 - $50,000Dividend Rate:1.24%APY^:1.25% APY^
Balance Ranges:$50,001 - $100,000Dividend Rate:1.99%APY^:2.00% APY^
Balance Ranges:$100,001 and aboveDividend Rate:2.72%APY^:2.75% APY^

Elite Money Market Deposit Account

Balance RangesDividend RateAPY^
Balance Ranges:Below $20,000Dividend Rate:1.00%APY^:1.00% APY^
Balance Ranges:$20,001 - $50,000Dividend Rate:1.49%APY^:1.50% APY^
Balance Ranges:$50,001 - $75,000Dividend Rate:1.99%APY^:2.00% APY^
Balance Ranges:$75,001 - $100,000Dividend Rate:2.48%APY^:2.50% APY^
Balance Ranges:$100,001 - $250,000Dividend Rate:3.21%APY^:3.25% APY^
Balance Ranges:$250,001 and aboveDividend Rate:3.21%APY^:3.25% APY^

IRA Account

Balance RangesDividend RateAPY^
Balance Ranges:Below $500Dividend Rate:0.10%APY^:0.10% APY^
Balance Ranges:$500 and aboveDividend Rate:1.49%APY^:1.50% APY^

As of April 1, 2024, the interest rate on your deposit account is shown under the Dividend Rate column, with an Annual Percentage Yield (APY) shown under the APY column in the chart above for the corresponding amount and balance.

Certificate Accounts

Term of CertificateDividend RateAPY^Minimum Balance
Term of Certificate:6-MonthDividend Rate:5.09%APY^:5.15% APY^Minimum Balance:$500
Term of Certificate:12-MonthDividend Rate:5.09%APY^:5.15% APY^ Minimum Balance:$500
Term of Certificate:18-MonthDividend Rate:4.35%APY^:4.40% APY^Minimum Balance:$500
Term of Certificate:24-MonthDividend Rate:4.45%APY^:4.50% APY^Minimum Balance:$500
Term of Certificate:36-MonthDividend Rate:4.25%APY^:4.30% APY^Minimum Balance:$500
Term of Certificate:48-MonthDividend Rate:4.21%APY^:4.25% APY^Minimum Balance:$500
Term of Certificate:60-MonthDividend Rate:4.21%APY^:4.25% APY^Minimum Balance:$500

As of January 23, 2024, the interest rate on your deposit account is shown under the Dividend Rate column, with an Annual Percentage Yield (APY) shown under the APY column in the chart above for the corresponding certificate amount and balance.

** APR = Annual Percentage Rate.
^ APY = Annual Percentage Yield.
All rates subject to change without notice.