We Have Your Best Interests At Heart

Whether you're building up your savings account or getting a loan with maximum value, our rates are structured to work for you so can achieve your financial goals.

Share & IRA Certificates1

Rates in effect as of December 13, 2018
APY = Annual Percentage Yield
Term Minimum Balance to Open Minimum Balance to Earn APY Dividend Rate APY
3 Months $500.00 $500.00 0.40% 0.40%
6 Months $500.00 $500.00 0.50% 0.50%
12 Months $500.00 $500.00 0.90% 0.90%
12 Months Jumbo $100,000.00 $100,000.00 1.49% 1.50%
13 Months $500.00 $500.00 0.60% 0.60%
18 Months $500.00 $500.00 1.98% 2.00%
24 Months $500.00 $500.00 2.13% 2.15%
25 Months $500.00 $500.00 0.75% 0.75%
30 Months $500.00 $500.00 2.23% 2.25%
33 Months $500.00 $500.00 1.00% 1.00%
36 Months $500.00 $500.00 2.23% 2.25%
50 Months $500.00 $500.00 2.33% 2.35%
60 Months $500.00 $500.00 2.47% 2.50%

1Dividends are calculated using a 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 December 13, 2018
APY = Annual Percentage Yield
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 $2500.00
 $0.01 2.96% 3.00%
Balances $2500.01 and over
 $2500.01 0.20% 0.20%

2Dividends 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. 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 18 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.

Money Market Savings Account5​

Rates in effect as of December 13, 2018
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 0.20% 0.20%
$1,000 to $9,999.99 $1,000.00 0.25% 0.25%
$10,000 to $24,999.99 $10,000.00 0.35% 0.35%
$25,000 to $49,999.99 $25,000.00 0.40% 0.40%
$50,000 to $74,999.99 $50,000.00 0.55% 0.55%
$75,000 to $99,999.99 $75,000.00 0.60% 0.60%
$100,000 and over $100,000.00 0.70% 0.70%

5 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. 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 Accounts6

Rates in effect as of December 13, 2018
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 Account7 $1,000.00 $1,000.00 0.20% 0.20%

6Dividends 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. The Dividend Rate may change at any time and may change after the account is open.

7The 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.

Mortgage & Home Equity Rates

Rates in effect as of December 13, 2018
Product Rate APR Points  
30 Year Fixed-Portfolio4.550%4.571%0.000APPLY NOW
20 Year Fixed-Portfolio4.625%4.653%0.000APPLY NOW
15 Year Fixed-Portfolio3.990%4.026%0.000APPLY NOW
5/5 Adjustable Rate Mortgage3.750%4.946%0.000APPLY NOW
10/1 Adjustable Rate Mortgage3.990%4.618%0.000APPLY NOW
POWERMortgage (15/15 ARM)4.250%4.197%0.000APPLY NOW
Advantage 8 Mortgage3.390%3.435%0.000APPLY NOW
Advantage 12 Mortgage3.690%3.721%0.000APPLY NOW
Home Equity Loan 15 Year Fixed4.740%4.740%0.000APPLY NOW
Home Equity Loan 10 Year Fixed4.240%4.240%0.000APPLY NOW
Home Equity Line of Credit5.250%5.250%0.000APPLY NOW

Auto & Other Loan Rates

Effective as of December 13, 2018 and are subject to change without notice.
APR = Annual Percentage Rate
$ Per $1,000 means Monthly Payment per $1,000 borrowed.
Type1 Interest Rate as low as APR as low as2 $ Per $1,0004 Terms and Rates Available
New Auto 2.44% 2.44% 28.84

Up to 36 Months. Other terms and rates available up to 78 months.
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New Auto 2.99% 2.99% 17.97 Up to 60 Months.
Other Terms and rates available up to 78 months.
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Used Auto 2.69% 2.69% 28.95

Up to 36 months on model years 2015 or newer.
Other terms and rates available up to 72 months.
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Used Auto 3.35% 3.35% 29.24

Up to 36  months on model years 2013-2014.
Other terms and rates available up to 66 months.
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Used Auto 3.29% 3.29% 18.10 Up to 60 months on model years 2015 or newer.
Other terms and rates available up to 72 months.
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Auto Refinance2 2.69% 2.69% 28.95

Up to 36 months on model years 2013 or newer. Other terms and rates available up to 60 months.
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Auto Refinance2 3.54% 3.54% $16.70

61 to 66 months on model years 2013 or newer. Other terms and rates up to 72 months. 
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Auto Refinance2 3.29% 3.29% $18.10 37-60 months on model years 2013 or newer.
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New Boat 6.99% 6.99% $19.80

Up to 60 months.
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Used Boat 7.49% 7.49% $20.04

37 to 60 months on model years 2017 or newer. 
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New Motorcycle 3.94% 3.94% 29.50

Up to 36 months.
Other terms and rates available up to 60 months.
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Used Motorcycle 4.84% 4.84% $18.80

Up to 60 months on model years 2013-2018.
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Personal Loan 9.74% 9.74% $21.12

Up to 60 months.
Unsecured Loan.
Maximum Loan: $25,000
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Advantage Loan3 8.99% 8.99% $31.80

Up to 36 months.
Unsecured Loan.
Maximum Loan: $5,000.
Apply Now
Line One 13.00% 13.00% ---

Unsecured open-end personal line of credit.
Maximum Line:  $15,000.
Apply Now

1 Standard vehicle financing guidelines apply. Vehicle loans are available for the purpose of purchasing a new or used vehicle (automobile, truck, motorcycle, or boat) or refinancing an existing vehicle loan. Existing Sikorsky Credit Union loans are not eligible. Commercial vehicles, vehicles over 10,000 pounds Gross Vehicle Weight (GVW), and vehicles with rebranded titles (total loss, flood, rebuilt, etc.) are not eligible for financing.
 
2 APR = Annual Percentage Rate. A payment example for a $15,000 used car loan for a person with a 750+ credit score who has a loan term of 36 months and is enrolled in autopay for the entire period of the loan at an APR of 2.44% is approximately $432.55 per month. Rate reflects a .25% discount for automatic payments from a Sikorsky Credit Union account. Up to 100% financing including tax, warranties and license. Rate is determined by your credit history and term and may range from 2.44% to 16.29%. May not be combined with other promotional rates or offers. Existing Sikorsky Credit Union auto loans are not eligible. Terms and conditions apply. Rate is subject to change without notice. Used auto rates apply to model years 2013 or newer. Older used vehicle terms and rates also available. Other terms and rates are available for model years 2008-2012.
 
3 The .25% discount for automatic payment from a Sikorsky Credit Union account does not apply.
 
4 Dollars per $1,000 is based on the maximum term allowed per loan product type.

Credit Card Rates1

Rates Effective as of December 13, 2018  and are subject to change without notice.
APR = Annual Percentage Rate
Type Current Variable APR Terms
VISA Classic 14.90%

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

Rate is determined by adding 9.65% for purchases, cash advances and balance transfers to the Prime Rate on the last business day of the preceding month.

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VISA Platinum 11.75%

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

Rate is determined by adding 6.50% for purchases, cash advances and balance transfers to the Prime Rate on the last business day of the preceding month.

Scorecard Program 2 – Learn more.

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Student VISA Platinum 14.90%

Credit lines available from $500 to $1,500.

Rate is determined by adding 9.65% for purchases, cash advances and balance transfers to the Prime Rate on the last business day of the preceding month.

Scorecard Program 2 – Learn more.

Apply Now

1No annual fee. Your APR may vary. The Prime Rate used to determine your APR is published in the “Money Rates” table of the Wall Street Journal on the last business day of the preceding month.

2Scorecard Program link – Every retail dollar charged earns redeemable points. Points expire in 48 months; each year thereafter points will expire yearly.