Opportunities Credit Union

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Rates

MORTGAGE LOAN RATES

PRODUCTTERMRATEAPR%POINTS
Single Family(SF)
Conventional Fixed
30 year
20 year
15 year
10 year
5.375%
5.000%
4.875%
4.625%
5.384%
5.035%
4.880%
4.649%
0%
SF 7/1 ARM 30 year4.50%4.716%1.00%
(0% on Shared Equity Homes)
2-4 Unit 7/1 ARM30 year4.50%4.892%1.50%
20 Year Conventional
1-4 Units
20 year4.375%4.641%1.00%
15 Year Conventional 1-4 Units15 year3.99%4.109%1.00%
Mobile Home in a Park/Co-op10 year9.99%10.551%1.50%
3/1 ARM 30 Year2.99%3.110%1.00%
5/1 ARM 30 year3.49%3.615%1.00%
This table was last updated 2-18-2022. Loan Rates Schedule highlights current conditions, rates, fees and charges applicable to some of the popular loan products at Opportunities Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Rates are variable and subject to change without notice. Contact our lending team to qualify for a product that meets your needs.


Details and Requirements Fees & Penalties

 

CONSUMER LOAN RATES

PRODUCTMAX TERMS APR* %
(As Low As)
New & Used Auto36 Months
48 Months
60 Months
72 Months
84 Months
2.99%
3.49%
3.99%
4.49%
4.99%
Wow Auto36 Months
48 Months
60 Months
72 Months
84 Months
4.99%
5.49%
5.99%
6.49%
6.99%
Mini Wow36 Months9.99%
Independence
Fund
60 Months3.00%
Home Improvement Loan36 Months
48 Months
60 Months
3.99%
4.49%
4.99%
Home Energy Loan60 Months
120 Months
180 Months
0.00%
1.99%
2.99%
Citizenship Loan12 Months5.99%
Emergency (ELF) Loan36 Months15.00%
Borrow & $ave12 Months
36 Months
18.00%
15.00%
Credit Builder / Tracker Loan36 Months5.99%
Simple 560 Months9.99%
This table was last updated on 10-26-2021. Loan Rates Schedule highlights current conditions, rates, fees and charges applicable to some of the popular loan products at Opportunities Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Rates are variable and subject to change without notice. Contact our lending team to qualify for a product that meets your needs.


Details and Requirements Fees & Penalties

Basic Savings

RATEAPY*MINIMUM BALANCE REQUIREDMONTHLY SERVICE CHARGE 
.10%.10%$25Free

Details and Requirements Fees & Penalties

Disclaimers are at the bottom of this page. Rates may change without notice.

 

Simple Checking

RATEAPY*MINIMUM BALANCE REQUIREDMONTHLY SERVICE CHARGE 
0o$50Free

Details and Requirements Fees & Penalties

Wow Checking

RATEBALANCEAPY*BALANCE REQUIREDMONTHLY SERIVCE CHARGE 
.0% $0 - $199-$50Free
.15%$200 - $50,000.15%$200Free
.30%Over $50,000.30%$200Free

Details and Requirements Fees & Penalties

Disclaimers are at the bottom of this page. Rates may change without notice.

Money Market Account

RATEREQUIRED BALANCE TO EARN INTERESTAPY**MONTHLY SERVICE FEE
.00%$0 - $5000Free
.05%$500 - $9,999.05%Free
.15%$10,000 - $50,000.15%Free
.20%$50,000 - $99,000.20%Free
.25%$100,000 and over.25%Free

Details and Requirements Fees & Penalties

Disclaimers are at the bottom of this page. Rates may change without notice.

“No Interest” Savings

RateAPYMINIMUM BALANCEMONTHLY SERVICE CHARGE
0%0%$25Free

Details and Requirements Fees & Penalties

Disclaimers are at the bottom of this page. Rates may change without notice.

Super-Duper Kid’s Savings Account

RATEAPYMINIMUM BALANCE MINIMUM BALANCE TO EARN INTERESTMONTHLY SERVICE FEE
.25%.25%$25$25Free

Details and Requirements Fees & Penalties

Disclaimers are at the bottom of this page. Rates may change without notice.

Social Investor CDs

RATETermAPY*   
.10% 12 Month.10%
.20%24 Month.20%
.30%36 Month.30%
.50%60 Month.501%

Fees & Penalties

Disclaimers are at the bottom of this page. Rates may change without notice.

Certificates and IRA Certificates

TIMERATEAPY*MINIMUM BALANCE TO EARN INTERESTMONTHLY SERVICE CHARGE 
3-Month.10%.10%$500Free
6-Month.20%.20%$500Free
12-Month.35%.351%$500Free
18-Month.35%.351%$500Free
24-Month.45%.451%$500Free
36-Month.60%.601%$500Free
48-Month.65%.651%$500Free
60-Month.80%.802%$500Free

Details and Requirements Fees & Penalties

Disclaimers are at the bottom of this page. Rates may change without notice.

CD Specials

TermRATEAPY*   
30 Month Add to .75% .752%
48 Month Add to 1.00%1.004%

Fees & Penalties

Disclaimers are at the bottom of this page. Rates may change without notice.


DISCLAIMERS

* APR = annual percentage rate is an annual rate charged for borrowing or earned through an investment. 

** APY = annual percentage yield which is the real rate of return earned on a savings deposit or investment taking into account the effect of compounding interest.

APY is based on monthly interest compounding for Regular Member Savings, E-Checking Account and Savvy Senior Checking Account. Quarterly interest compounding applies to all Certificates of Deposit Accounts and assumes interest remains in the account until closed.

Penalties may apply for early withdrawal of Certificate of Deposit Accounts. These accounts will automatically renew at maturity unless funds are withdrawn or a written notice is received within the 10 day grace period.

Rates may change without notice.

 

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System Upgrade!

May 2, 2022

Mobile Banking and Ebanking will be unavailable the weekend of May 20th To better serve, our members, Opportunities Credit Union is upgrading our systems Saturday, May 21, 2022 & Sunday, May 22, 2022 What this means for you: Potential interruption of your access to your account information and funds. We appreciate your patience and apologize […]

Salt & Bubbles

February 23, 2022

Kayla had a vision for a new wine and market platform. She wanted to make a wine bar that housed affordable, ethically made wines and a to create a meaningful place for her employees and guests. Kayla turned to Opportunities Credit Union as a financing partner and was pleased to experience the hands on process […]

Hinterland Bridal

February 23, 2022

Here is the story of Hinterland Bridal shop in Burlington. Hinterland shop owner Zari found it difficult to get a loan with traditional banking, but she had a sound business plan. At Opportunities you are not just a number, and we spend the time to understand every project. Equipped with the right financial education we […]




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1.800.865.8328 Toll Free
1.802.654.4540 Direct
1.802.654.4551 Fax

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Routing Number - 011692588

 
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