Account and loan rates to meet your needs.
Effective date:
Checking Accounts
TAPY = Annual Percentage Yield. Rate may change after the account is opened.
Beyond Checking
| Beyond Checking Rates | Rate | APYT |
|---|---|---|
|
Balance up to $15,000.00
Bonus Tiers**
|
4.00% | 4.07% |
|
Balance over $15,000.00
Bonus Tiers**
|
0.50% | 0.50% |
|
Base rate on all balances
Rate if requirements are not met**
|
0.10% | 0.10% |
TAPY = Annual Percentage Yield. Rate may change after the account is opened.
+If you do not meet the monthly qualifications, you will be charged a $5 service fee as stated in the Fee Schedule and you will not qualify for ATM surcharge refunds. The monthly qualification cycle is defined as the calendar month.
**Bonus rate requirements per qualification cycle: receive e-statements, one (1) direct deposit or ACH transaction, and 15 debit card transactions of at least $5.00 each that post and clear your account. The Beyond Checking account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, you will earn the first dividend rate and annual percentage yield listed for this account in the Rate Schedule on balances of $15,000.00 or less. You will also earn the second dividend rate and range of annual percentage yields listed for this account on balances over $15,000.00. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Beyond Checking account, the third dividend rate and annual percentage yield listed in the Rate Schedule will apply to the entire balance of your Beyond Checking account. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Beyond Checking accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.
Minimum $25 initial deposit to open.
Money Market
| Tier | Rate | APYT |
|---|---|---|
| $0.00-999.99 | 0.00% | 0.00% |
| $1,000-$9,999.99 | 0.50% | 0.50% |
| $10,000.00 - $24,999.99 | 0.70% | 0.70% |
| $25,000.00 - $49,999.99 | 0.90% | 0.90% |
| $50,000 - $99,999.99 | 1.10% | 1.11% |
| $100,000+ | 1.30% | 1.31% |
Certificates
| Term | Rate | APYT |
|---|---|---|
| 6 month | 2.00% | 2.02% |
| 12 month | 2.50% | 2.53% |
| 14 month Special** | 3.97% | 4.04% |
| 24 month | 3.00% | 3.04% |
| 30 month Bump Rate* | 3.50% | 3.56% |
| 36 month | 3.40% | 3.45% |
| 48 month | 3.50% | 3.56% |
| 60 month | 3.60% | 3.66% |
$500 minimum to open Share Certificate.
TAPY = Annual Percentage Yield. Rates subject to change without notice. $500 minimum to open Share Certificate. Personal, business, and IRA funds are eligible. Brokered, third party funds are not eligible. Fees could reduce earnings. Penalty for early withdrawal. Early withdrawal penalties are subject to Certificate term length:
- Terms of 12 months or less: 90 days dividends
- Terms of >12 and <48 months: 180 days dividends
- Terms of 48 months & longer: 365 days dividends
*The Bump Rate Option allows a member to choose to “bump” their rate one time for the 30 month Share Certificate, if the current rate being offered is higher. Contact Azura Credit Union to activate the bump rate. Each 30 month term has one bump available. The 30 month Bump Rate Share Certificate will automatically renew as another 30 month Bump Rate Share Certificate, unless changes are made during the grace period. Early withdrawal penalty will reduce earnings on the account. Limited time offer. Rates subject to change without notice.
**The 14 Month Special will automatically renew at a standard 12 month term upon maturity. Early withdrawal penalty will reduce earnings on the account. Limited time offer. Rates subject to change without notice.
IRAs
IRA
| Type | Rate | APYT |
|---|---|---|
| Share Account | 1.00% | 1.01% |
Balances over $100 earn dividends
TAPY = Annual Percentage Yield. Rate may change after the account is opened.
IRA Certificate Rates
| Term | Rate | APYT |
|---|---|---|
| 6 month | 2.00% | 2.02% |
| 12 month | 2.50% | 2.53% |
| 14 month Special** | 3.97% | 4.04% |
| 24 month | 3.00% | 3.04% |
| 30 month Bump Rate* | 3.50% | 3.56% |
| 36 month |
3.40%
|
3.45% |
| 48 month | 3.50% | 3.56% |
| 60 month | 3.60% | 3.66% |
$500 minimum to open Share Certificate.
TAPY = Annual Percentage Yield. Rates subject to change without notice. $500 minimum to open Share Certificate. Personal, business, and IRA funds are eligible. Brokered, third party funds are not eligible. Fees could reduce earnings. Penalty for early withdrawal. Early withdrawal penalties are subject to Certificate term length:
- Terms of 12 months or less: 90 days dividends
- Terms of >12 and <48 months: 180 days dividends
- Terms of 48 months & longer: 365 days dividends
*The Bump Rate Option allows a member to choose to “bump” their rate one time for the 30 month Share Certificate, if the current rate being offered is higher. Contact Azura Credit Union to activate the bump rate. Each 30 month term has one bump available. The 30 month Bump Rate Share Certificate will automatically renew as another 30 month Bump Rate Share Certificate, unless changes are made during the grace period. Early withdrawal penalty will reduce earnings on the account. Limited time offer. Rates subject to change without notice.
**The 14 Month Special will automatically renew at a standard 12 month term upon maturity. Early withdrawal penalty will reduce earnings on the account. Limited time offer. Rates subject to change without notice.
Health Savings Account (HSA)
| Account | Rate | APYT |
|---|---|---|
| Share Account |
0.50%
|
0.50% |
Balances over $100 earn dividends
TAPY = Annual Percentage Yield. Rate may change after the account is opened.
Auto & Motorcycle
| Model Year | Term | Rate | APR*, as low as |
|---|---|---|---|
| 2021 & Newer | 60 months | 5.99% | 6.15% |
| 2021 & Newer | 72 months | 6.49% | 6.62% |
| 2021 & Newer | 84 months | 7.24% | 7.36% |
| 2020 & Older | 48 months | 5.99% | 6.18% |
| 2020 & Older | 60 months | 6.49% | 6.65% |
| 2020 & Older | 72 months | 7.24% | 7.37% |
*APR=Annual Percentage Rate. Rate and term are subject to credit approval and qualified collateral.
Boats & RV Loans
| Model Year | Term | Best Rate | APR*, as low as |
|---|---|---|---|
| 2021 & Newer | up to 84 months | 8.49% | 8.61% |
| 2021 & Newer | up to 180 months | 9.49% | 9.55% |
| 2016 to 2020 | up to 84 months | 8.49% | 8.61% |
| 2016 to 2020 | up to 144 months | 9.49% | 9.57% |
| 2016 & Older | up to 72 months | 8.49% | 8.63% |
| 2016 & Older | up to 120 months | 9.99% | 10.08% |
*APR=Annual Percentage Rate. Rate and term are subject to credit approval and qualified collateral.
ATVs, Personal Watercraft, and Non-Titled Motorcycle
| Model Year | Term | Best Rate | APR*, as low as |
|---|---|---|---|
| 2021 & Newer | 60 months | 8.99% | 9.15% |
| 2020 & Older | 60 months | 9.49% | 9.65% |
*APR=Annual Percentage Rate. Rate and term are subject to credit approval and qualified collateral. Minimum values for extended terms: 10yr - $15,000, 12 yr - $20,000, 15yr - $30,000
Home Loans
With competitive interest rates and loan terms, your dollar can go further and you could save money over the life of your home loan.
Home Equity Loans
Home Equity Loans - Fixed Rate
| Term | Rate | APR* |
|---|---|---|
| 5 Year | 6.50% | 6.72% |
| 10 Year | 7.00% | 7.12% |
| 15 Year | 7.50% | 7.59% |
*APR = Annual Percentage Rate. Rate and term are subject to credit approval. APR is determined by an evaluation of applicant credit at account opening. Approval and rate may vary based on credit history, LTV, and amount borrowed. Other restrictions may apply. All credit union loan programs, rates, terms and conditions are subject to change without notice. Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your lock-in period, occupancy, loan type, credit score, purpose and loan to value and lending source. Consult a tax advisor regarding the deductibility of interest. Contact a member of our home loan team for the most up-to-date rates with specific loan quote details.
Assuming a $50,000 loan, 80% Loan-to-Value (LTV) loan and an APR of 6.72% as of January 1, 2025, you would be required to make 60 monthly payments of approximately $989. Payments do not include taxes and insurance premiums.
| Term | Loan to Value | APR* |
|---|---|---|
| Home Equity Line of Credit | Up to 80% | 7.50% (equal to prime) |
| Home Equity Line of Credit | Over 80.1% - 100% | 9.50% (equal to prime +2%) |
- No origination fees for home equity lines of credit.
- Fees may apply to refinanced loans.
- Both Loans are accessible by check, with $500.00 minimum advances
*APR = Annual Percentage Rate. Rate and term are subject to credit approval. APR is determined by an evaluation of applicant credit at account opening. Approval and rate may vary based on credit history, LTV, and amount borrowed. Other restrictions may apply. All credit union loan programs, rates, terms and conditions are subject to change without notice. APR is based on Wall Street Journal Prime subject to change without notification. The maximum APR that can apply is 21%. Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your lock-in period, occupancy, loan type, credit score, purpose and loan to value and lending source. Consult a tax advisor regarding the deductibility of interest. Contact a member of our home loan team for the most up-to-date rates with specific loan quote details.
Must be eligible for membership and open a share savings account to obtain a mortgage loan product. A $5 minimum balance is required to open and must be maintained in share savings account at all times.
Land & Construction Loans
Construction Loans
| Loan Type | LTV | Rate | APR*, as low as |
|---|---|---|---|
| Custom Construction | up to 85% | 9.50% | 9.89% |
- Rates quoted above based on $150,000 loan amount
- Origination fee of $1,000
- Interest only for up to 12 months
*APR = Annual Percentage Rate. Rate and term are subject to credit approval. APR is determined by an evaluation of applicant credit at account opening. Approval and rate may vary based on credit history, LTV, and amount borrowed. Other restrictions may apply. All credit union loan programs, rates, terms and conditions are subject to change without notice. Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your lock-in period, occupancy, loan type, credit score, purpose and loan to value and lending source. Consult a tax advisor regarding the deductibility of interest. APR's based on 15 days of prepaid interest, please call Azura for further explanation.
| Term | LTV | Rate | APR*, as low as |
|---|---|---|---|
| 5 Years | up to 75% | 7.50% | 8.62% |
| 10 Years | up to 75% | 8.50% | 9.11% |
| 15 Years | up to 75% | 9.50% | 9.96% |
*APR = Annual Percentage Rate. Rate and term are subject to credit approval. APR is determined by an evaluation of applicant credit at account opening. Approval and rate may vary based on credit history, LTV, and amount borrowed. Other restrictions may apply. All credit union loan programs, rates, terms and conditions are subject to change without notice. Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your lock-in period, occupancy, loan type, credit score, purpose and loan to value and lending source. Consult a tax advisor regarding the deductibility of interest. Contact a member of our home loan team for the most up-to-date rates with specific loan quote details.
Must be eligible for membership and open a share savings account to obtain a mortgage loan product. A $5 minimum balance is required to open and must be maintained in share savings account at all times.
Personal Loans
| Term | Best Rate | APR* |
|---|---|---|
| Up to 60 months | 14.99% | as low as 15.33% |
*APR=Annual Percentage Rate. Rate and term are subject to credit approval and qualified collateral.
Visa Credit Cards
| Type | APR* |
|---|---|
| Visa Standard Credit Card | 11.25% |
*APR = Annual Percentage Rate, as low as. Rate and term are subject to credit approval. Annual Percentage Rate is variable and subject to change with the market based on the Prime Rate. All loan terms and conditions are with approved credit. Not all borrowers will qualify. Restrictions may apply.
Rewards Visa Credit Card - Variable Rate
| Type | APR* |
|---|---|
| Visa Rewards Credit Card | 13.25% |
*APR = Annual Percentage Rate, as low as. Rate and term are subject to credit approval. Annual Percentage Rate is variable and subject to change with the market based on the Prime Rate. All loan terms and conditions are with approved credit. Not all borrowers will qualify for the Azura Rewards Credit Card. Restrictions may apply. All Azura Rewards cardholders are eligible to enroll in uChoose Rewards.
Savings Account
| Account | Rate | APYT |
|---|---|---|
| Savings Account | 0.30% | 0.30% |
TAPY = Annual Percentage Yield. Rate may change after the account is opened.
