We Have Your Best Interests At Heart

Whether you're building up your savings or looking for a loan with the lowest possible payment, our great rates will help
you save money and achieve your financial goals.

Home Loans

Rates effective as of January 31, 2023. Rates are subject to change without notice.
Product Rate APR Points  
5/5 ARM4.500%5.686%0.000APPLY NOW
10/1 ARM4.990%5.844%0.000APPLY NOW
15/15 ARM5.250%5.328%0.000APPLY NOW
30 Yr. Fixed5.875%5.909%0.000APPLY NOW
20 Yr. Fixed5.625%5.670%0.000APPLY NOW
15 Yr. Fixed5.125%5.180%0.000APPLY NOW
8 Yr. Advantage Mtg.3.990%4.099%0.000APPLY NOW
12 Yr. Advantage Mtg.4.250%4.326%0.000APPLY NOW
5 Yr. HEFIX (80% CLTV)4.750%4.750%0.000APPLY NOW
10 Yr. HEFIX (80% CLTV)5.000%5.000%0.000APPLY NOW
15 Yr. HEFIX (80% CLTV)5.250%5.250%0.000APPLY NOW
20 Yr. HEFIX (80% CLTV)5.500%5.500%0.000APPLY NOW
HELOC (80% CLTV)7.500%7.500%0.000APPLY NOW
Home Equity Loans and Lines of Credit above assume a CLTV at 80% or below. 100% CLTV Home Equity Loan and Lines of Credit are available to qualified members. Rates are displayed once an application is completed. Learn More or Apply Now

Consumer Loans

Rates effective as of January 31, 2023. Rates are subject to change without notice.
APR = Annual Percentage Rate
Loan Type & Model Year1 Term APR as low as2 $ Per Thousand3  
Check out our new Advantage Auto Loan rates. You can get behind the wheel of a new or pre-owned vehicle with a payment you can afford. Learn More
Auto: 2024-2022 <= 36 Months 4.24% $29.63 Apply Now
Compare to Advantage Auto
37-48 Months 4.24% $22.69
49-60 Months 4.44% $18.62
61-72 Months 4.69% $15.96
Auto 2024-2022 (Untitled) 73-84 Months 4.94% $14.11 Apply Now
Compare to Advantage Auto
Auto: 2021-2019 <= 36 Months 4.49% $29.74 Apply Now
Compare to Advantage Auto
37-48 Months 4.49% $22.80
49-60 Months 4.69% $18.73
61-72 Months 4.94% $16.08
Auto: 2018-2016 <= 36 Months 4.74% $29.85 Apply Now
Compare to Advantage Auto
37-48 Months 4.74% $22.91
49-60 Months 4.94% $18.84
61-72 Months 5.19% $16.19
Auto: 2015 or earlier <= 36 Months 6.24% $30.53 Apply Now
37-48 Months 6.24% $23.60
49-60 Months 6.44% $19.54

1 Standard vehicle financing guidelines apply. Vehicle loans are available for the purpose of purchasing a new or used vehicle (automobile, truck, or motorcycle) or refinancing an existing vehicle loan. Existing Sikorsky Credit Union loans are not eligible. Commercial vehicles and vehicles with rebranded titles (total loss, flood, rebuilt, etc.) are not eligible for financing.

2 APR = Annual Percentage Rate. Conventional Auto Loan Rates shown are for purchases or refinances from another lender (existing Sikorsky Credit Union conventional loans are not eligible for refinance). Rates and terms are subject to change without notice. 

Rate is determined by your credit history and term. Rates may range from 4.24% to 11.89% for model years 2024-2022 and reflects a .25% discount for automatic payments from a Sikorsky Credit Union account. Other rates and terms available. Loans for model years 2021 and earlier are available at higher rates and different terms.

Payment example for a borrower with top tier credit: For a term of 60 months at a rate of 4.44% the estimated monthly payment is $18.62 per $1,000.00 borrowed. Rates, monthly payments and examples are estimates and provided as a courtesy only.

3 Dollars per $1,000 assumes $25,000 loan and is based on the maximum term allowed per loan product

Rates effective as of January 31, 2023. Rates are subject to change without notice.
APR = Annual Percentage Rate
Loan Type & Model Year1 Term APR as low as2 $ Per Thousand3  
Motorcycle: 2024-2022 <= 36 Months 5.74% $30.30 Apply Now
37-48 Months 5.74% $23.37
49-60 Months 5.94% $19.30
61-72 Months 6.19% $16.66
Motorcycle: 2021-2019 <= 36 Months 5.99% $30.42 Apply Now
37-48 Months 5.99% $23.48
49-60 Months 6.19% $19.42
61-72 Months 6.44% $16.78
Motorcycle: 2018 or earlier <= 36 Months 6.49% $30.64 Apply Now
37-48 Months 6.49% $23.71
49-60 Months 6.69% $19.66
61-72 Months 6.94% $17.02

1 Standard vehicle financing guidelines apply. Vehicle loans are available for the purpose of purchasing a new or used vehicle (automobile, truck, or motorcycle) or refinancing an existing vehicle loan. Existing Sikorsky Credit Union loans are not eligible. Commercial vehicles and vehicles with rebranded titles (total loss, flood, rebuilt, etc.) are not eligible for financing.

2 APR = Annual Percentage Rate. Motorcycle rates shown are for purchases or refinances from another lender (existing Sikorsky Credit Union conventional loans are not eligible for refinance). Rates and terms are subject to change without notice. 

Rate is determined by your credit history and term. Rates may range from 5.74% to 14.14% for model years 2024-2022 and reflects a .25% discount for automatic payments from a Sikorsky Credit Union account. Other rates and terms available. Loans for model years 2021 and earlier are available at higher rates and different terms.

Payment example for a borrower with top tier credit: For a term of 60 months at a rate of 5.94% the estimated monthly payment is $19.30 per $1,000.00 borrowed. Rates, monthly payments and examples are estimates and provided as a courtesy only.

3 Dollars per $1,000 assumes $25,000 loan and is based on the maximum term allowed per loan product

Rates effective as of January 31, 2023. Rates are subject to change without notice.
APR = Annual Percentage Rate
Loan Type Term APR as low as $ Per Thousand  
Personal Loan <= 12 Months 9.04% $87.47 Apply Now
13-24 Months 9.14% $45.75
25-36 Months 9.24% $31.91
36-48 Months 9.64% $25.19
49-60 Months 9.84% $21.17
Line One Open-EndLLine of Credit 13.00% Apply Now

Credit Cards

Credit Card Rates1

Rates Effective as of January 31, 2023. Rates are subject to change without notice.
APR = Annual Percentage Rate
Type Current Variable APR Terms
VISA Platinum as low as 12.50%

Credit lines available from $500 to $25,000.

Variable APR will be between 12.50% - 17.99% based on your creditworthiness.

Apply Now
VISA Advantage as low as 15.50%

Credit lines available from $500 to $25,000.

Variable APR will be between 15.50% - 17.99% based on your creditworthiness.

Apply Now
Visa Secured as low as 17.99% This APR will vary with the market based on the Prime Rate.

1 The Annual Percentage Rate (APR) may vary. Credit lines available from $500 to $25,000.  Variable Annual Percent Rates will be between 12.50% - 17.99% and is  dependent on both  the card selected during the application process and your creditworthiness.

With the CU REWARDS PROGRAM every retail dollar charged earns redeemable points. Points expire in 48 months. For further details visit https://www.curewards.com

Checking and Savings

Share & IRA Certificates1

Rates in effect as of January 31, 2023
APY=Annual Percentage Yield. Fees could reduce earnings.
Term Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY
3 Months $500.00 $500.00 0.50% 0.50%
6 Months $500.00 $500.00 0.75% 0.75%
12 Months $500.00 $500.00 2.96% 3.00%
12 Months Jumbo $100,000.00 $100,000.00 2.96% 3.00%
13 Months $500.00 $500.00 2.96% 3.00%
18 Months $500.00 $500.00 3.93% 4.00%
24 Months $500.00 $500.00 3.93% 4.00%
25 Months $500.00 $500.00 3.93% 4.00%
30 Months $500.00 $500.00 1.74% 1.75%
33 Months $500.00 $500.00 1.98% 2.00%
36 Months $500.00 $500.00 1.98% 2.00%
50 Months $500.00 $500.00 1.98% 2.00%
60 Months $500.00 $500.00 1.98% 2.00%

1Dividends are calculated using an average daily balance method and are paid monthly. Dividend Rates on Share and IRA Certificates are fixed and will not change until maturity. The Annual Percentage Yield assumes dividends and principal will remain on deposit until maturity. A withdrawal will reduce earnings. Any withdrawal of principal from certificates before maturity will be subject to penalty. On IRA accounts, substantial tax penalties may be imposed under IRA regulations for withdrawal prior to age 59-1/2. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. 

Share Accounts2

Rates in effect as of January 31, 2023
APY=Annual Percentage Yield. Fees could reduce earnings.
Term Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY
Member Savings Account3 $5.00 $0.01 0.20% 0.20%
Special Savings Account $5.00 $0.01 0.20% 0.20%
Club Accounts - Holiday & Vacation $5.00 $0.01 0.20% 0.20%
Coverdell Education Savings Account $5.00 $0.01 0.20% 0.20%
IRA Savings Account2 $5.00 $0.01 0.20% 0.20%
Early Advantage Account4 $5.00
Balances $.01 to $5,000
 $0.01 2.96% 3.00%
Balances $5,000.01 and over
 $5000.00 0.20% 0.20%
Kasasa Saver 5 5.00
Balances $.01 to $100,000
 $0.01 0.75% 0.75%
Balances $100,000.01 and over
 $100,000.01 0.25% 0.25%
Health Savings Accounts (HSA) $5.00 .01 1.00% 1.00%

2Dividends are calculated using an average daily balance method and are paid monthly. Dividends are subject to Credit Union earnings and are officially declared at the end of the dividend period. The Dividend Rate may change at any time and may change after the account is open. Transaction limitations apply. On IRA accounts, substantial tax penalties may be imposed under IRA regulations for withdrawal prior to age 59-1/2. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

3Minimum $5.00 balance must be maintained at all times.

4To open an Early Advantage Account the primary must be under 25 years of age. For minors under the age of 13, we require a parent or legal guardian as a joint owner on the account. Limit one Early Advantage Account per minor.

5Requires Kasasa Cash Back Free Rewards Checking or Kasasa Cash Free Rewards Checking and $5 minimum deposit to open account.

Money Market Savings Account6

Rates in effect as of January 31, 2023
APY = Annual Percentage Yield.
Term Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY
Money Market Savings Account $5.00
$.01 to $999.99 $0.01 0.30% 0.30%
$1,000 to $9,999.99 $1,000.00 0.40% 0.40%
$10,000 to $24,999.99 $10,000.00 0.50% 0.50%
$25,000 to $49,999.99 $25,000.00 0.60% 0.60%
$50,000 to $74,999.99 $50,000.00 0.65% 0.65%
$75,000 to $99,999.99 $75,000.00 0.70% 0.70%
$100,000 and over $100,000.00 0.75% 0.75%
6 Dividends are calculated using an average daily balance method and are paid monthly. Dividends are subject to Credit Union earnings and are officially declared at the end of the dividend period. The Dividend Rate may change at any time and may change after the account is open. Transaction limitations apply. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Checking Accounts7

Rates in effect as of January 31, 2023
APY = Annual Percentage Yield.
Term Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY
Free Checking Account $25.00 None N/A N/A
Daily Money Market Account8 $1,000.00 $1,000.00 0.20% 0.20%
Kasasa Cash Free Rewards Checking 9 25.00
Balances $.01 to $10,000
 .0111 1.9812% 2.00%
Balances $10,000.01 and over
 .0111 0.25% 0.25%
Kasasa Cash Back Free Rewards Checking 10 $25.00 N/A N/A N/A

7Dividends are calculated using an average daily balance method and are paid monthly. Dividends are subject to Credit Union earnings and are officially declared at the end of the dividend period. The Dividend Rate may change at any time and may change after the account is open.

8The minimum withdrawal or transfer permitted from this account is $500. There is no limit on the number of withdrawals or transfers you may make from this account, provided each withdrawal or transfer is for at least $500.

9Free variable rate checking account that rewards accountholders when they meet minimum qualifications during the account's Monthly Qualification Cycle.

10Free variable reward checking account that rewards accountholders when they meet minimum qualifications during the account's Monthly Qualification Cycle.

11Minimum $25 deposit required to open account.

12Base Dividend Rate is .05% when account does not meet qualifications during the account's Monthly Qualification Cycle.

Business Checking and Savings

Business Share Certificates1

Rates in effect as of January 31, 2023
APY=Annual Percentage Yield. Fees could reduce earnings.
Term Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY
3 Months $500.00 $500.00 0.50% 0.50%
6 Months $500.00 $500.00 0.75% 0.75%
12 Months $500.00 $500.00 2.96% 3.00%
12 Months Jumbo $100,000.00 $100,000.00 2.96% 3.00%
13 Months $500.00 $500.00 2.96% 3.00%
18 Months $500.00 $500.00 3.93% 4.00%
24 Months $500.00 $500.00 3.93% 4.00%
25 Months $500.00 $500.00 3.93% 4.00%
30 Months $500.00 $500.00 1.74% 1.75%
33 Months $500.00 $500.00 1.98% 2.00%
36 Months $500.00 $500.00 1.98% 2.00%
50 Months $500.00 $500.00 1.98% 2.00%
60 Months $500.00 $500.00 1.98% 2.00%

 

Share and Other Accounts2

Rates in effect as of January 31, 2023
APY=Annual Percentage Yield. Fees could reduce earnings.
Term Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY
Business Savings4 $5.00 $0.01 0.20% 0.20%


Business Advantage Money Market Account2

Rates in effect as of January 31, 2023
APY = Annual Percentage Yield.
Term Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY
Balances $5.00
$.01 to $999.99 $0.01 0.30% 0.30%
$1,000 to $9,999.99 $1,000.00 0.40% 0.40%
$10,000 to $24,999.99 $10,000.00 0.50% 0.50%
$25,000 to $49,999.99 $25,000.00 0.60% 0.60%
$50,000 to $74,999.99 $50,000.00 0.65% 0.65%
$75,000 to $99,999.99 $75,000.00 0.70% 0.70%
$100,000 and over $100,000.00 0.75% 0.75%

*Dividends are calculated using a daily balance method and are paid monthly. Dividends are subject to Credit Union earnings and are officially declared at the end of the dividend period. Please contact a staff member for additional information on applicable fees and terms. The Dividend Rate may change at any time and may change after the account is open. Transaction limitations apply.

1Dividend Rates on Share Certificates are fixed and will not change until maturity. The Annual Percentage Yield assumes dividends and principal will remain on deposit until maturity. A withdrawal will reduce earnings. Any withdrawal of principal from certificates before maturity will be subject to penalty.

2Transaction limitations may apply.

4Minimum $5.00 balance must be maintained at all times.

Checking Accounts

Rates in effect as of January 31, 2023
APY = Annual Percentage Yield.
Term Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY
Checking Business $25.00 N/A None None
Checking Business Advantage
Balances $100.00
$.01 to $999.99
 $0.01 0.05% 0.05%
$1000 to 9,999.99
 $1,000.00 0.10% 0.10%
$10,000 to $24,999.99
 $10,000.00 0.10% 0.10%
$25,000 to $49,999.99
 $25,000.00 0.15% 0.15%
$50,000 to $74,999.99
 $50,000.00 0.20% 0.20%
$75,000 to $99,999.99
 $75,000.00 0.25% 0.25%
$100,000 and over
 $1,00,000.00 0.25% 0.25%

*Dividends are calculated using a daily balance method and are paid monthly. Dividends are subject to Credit Union earnings and are officially declared at the end of the dividend period. Please contact a staff member for additional information on applicable fees and terms. The Dividend Rate may change at any time and may change after the account is open. Transaction limitations apply.

1Dividend Rates on Share Certificates are fixed and will not change until maturity. The Annual Percentage Yield assumes dividends and principal will remain on deposit until maturity. A withdrawal will reduce earnings. Any withdrawal of principal from certificates before maturity will be subject to penalty.

2Transaction limitations may apply.

4Minimum $5.00 balance must be maintained at all times.