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Rates

Loans

Vehicle & Collateral Secured Loans

Term	APR *	Monthly Payment Per $1,000
24 months	2.75%	$42.88
36 months	3.25%	$29.20
48 months	3.50%	$22.36
60 months	3.90%	$18.38
72 months	4.25%	$15.77
84 months	4.50%	$13.91
96 months	5.00%	$12.67
120 months	5.50%	$10.86
180 months	6.00%	$8.45
*APR is annual percentage rate. Rates quoted "as low as." Rate is determined by an assessment of credit and may vary from rate shown. Restrictions may apply. Rates effective 08/01/2019 and are subject to change without notice. Return to top

Other Loans	Term	APR *
Signature Loan	12 months	6.99%
	24 months	8.99%
	36 months	9.99%
	48 months	10.99%
	60 months	11.99%
Share Secured (Pledged)¹		Share rate + 2.00%
Certificate Secured (Pledged)²		Certificate Rate + 2.00%
*APR is annual percentage rate. Rates quoted "as low as." Rate is determined by an assessment of credit and may vary from rate shown. ¹Share Secured APR will be the dividend rate being paid on the Share Account on the date of the advance plus 2.00%. ²Certificate Secured APR will be the dividend rate being paid on the Certificate (Index) offered plus 2.00%. The Certificate must be renewed until the advance is completely paid. Upon renewal, the APR will change to reflect the new dividend rate. Not eligible for rate discounts. Ask for more information. Rates effective 01/01/2018 and are subject to change without notice. Return to top

Mortgages

CLICK FOR CURRENT MORTGAGE RATES

Mortgage rates are influenced by so many factors, we suggest you call (800) 578-5024 to speak to a Mortgage Loan Officer, or use our online tool to help estimate your rate options.

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Home Equity	Term	APR *	Monthly Payment Per $1,000
5 Year Home Equity¹	5 year	3.50%	$18.20
10 Year Home Equity¹	10 year	4.25%	$10.25
15 Year Home Equity¹	15 year	4.50%	$ 7.66
Variable Rate Home Equity Line of Credit²	8 year draw/12 year repayment	4.375%	$ 8.94
*APR is annual percentage rate. Rates effective 9/26/2019 and are subject to change without notice. ¹ Terms and restrictions may apply. Ask for more information. Add 1.50% to the published rate when loan to value is greater than 80%. ² Rate is variable based on Wall Street Journal Prime Rate minus 0.625%. The rate has a floor of 4.00% and a ceiling of 18.00%. Loan-to-value 90% or less. Click for the full disclosure. Return to top

Credit Card

VISA Card	APR *
Platinum ¹	4.90% Introductory APR - 6 months. 8.65% thereafter
Classic ²	12.00%
Business Visa ³	9.00%
APR is annual percentage rate. No annual fee. Rate is subject to change. ¹Platinum Visa has a 4.90% introductory APR for purchases and cash advances for a period of six billing cycles, after which the APR will be 8.65%. Platinum Visa has a 4.90% introductory APR for balance transfers for a period of 12 billing cycles, after which the APR will be 8.65%. The APR will vary with the market based on the Prime Rate. ²Visa Classic has a fixed rate of 12.00% APR for purchases and cash advances. Visa Classic has an introductory 8.90% APR for balance transfers for a period of 12 billing cycles, after which the APR will be 12.00%. Click for consumer disclosure . ³Business Visa APR will vary with the market based on the Prime Rate. Click for the Business Visa Disclosure. All rates effective 10/07/2019 and are subject to change without notice. Return to top

Deposits

High Yield - NEW MONEY Introductory Bonus Rate

Deposit Rates	APY *	Dividend Rate
High Yield < $10K	1.21%	1.20%
High Yield < $20K	1.31%	1.30%
High Yield < $50K	1.36%	1.35%
High Yield < $75K	1.46%	1.45%
High Yield < $100K	1.56%	1.55%
High Yield < $250K	1.66%	1.65%
High Yield < $500K	1.76%	1.75%
High Yield < $1MM	2.53%	2.50%
High Yield > $1MM	2.62%	2.59%
APY is annual percentage yield. Rate is dividend rate. Once a particular tier is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. No minimum balance required to open an account. Rates effective 11/01/2019 and are subject to change without notice. To be eligible for this posted rate in the High Yield Tiered Rate Share Account, the account must be opened with new money. "New money" is defined as funds that were not on deposit at One Credit Union at the time of the most recent statement cycle. The rate will be effective for 180 days. On day 181 the rate will change to the regular High Yield Tiered Rate Shares account rate and you will receive the prevailing tiered rate at the time. If the High Yield Tiered Rate Share Account is not new money, rates are 1.00% less than posted above.* One Credit Union reserves the right to discontinue this promotional rate or reinstate it at any time. Return to top

Other Deposit Solutions

Deposit Rates	APY *	Dividend Rate
Stash the Cash	1.60%	1.59%
Rewards Plus Checking - Premium Dividend	0.50%	0.50%
Rewards Checking - Standard Dividend	0.10%	0.10%
IRA & SEP	0.45%	0.45%
Health Savings Account (HSA)	0.40%	0.40%
Youth Account	1.51%	1.50%
Regular	0.10%	0.10%
*APY is annual percentage yield. Rate is dividend rate. Rates effective 11/01/2019 and are subject to change without notice. $25 minimum opening deposit on all checking accounts. Fees could reduce earnings on Rewards Checking account. Return to top

Business High Yield - NEW MONEY Introductory Bonus Rate

Account Type	APY *	Dividend Rate
High Yield < $10K	1.21%	1.20%
High Yield < $20K	1.31%	1.30%
High Yield < $50K	1.36%	1.35%
High Yield < $ 75K	1.46%	1.45%
High Yield < $100K	1.56%	1.55%
High Yield < $250K	1.66%	1.65%
High Yield < $500K	1.76%	1.75%
High Yield < $1MM	2.53%	2.50%
High Yield > $1MM	2.62%	2.59%
APY is annual percentage yield. Rate is dividend rate. Once a particular tier is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. No minimum balance required to open an account. Rates effective 11/01/2019 and are subject to change without notice. To be eligible for this posted rate in the High Yield Tiered Rate Share Account, the account must be opened with new money. "New money" is defined as funds that were not on deposit at One Credit Union at the time of the most recent statement cycle. The rate will be effective for 180 days. On day 181 the rate will change to the regular High Yield Tiered Rate Shares account rate and you will receive the prevailing tiered rate at the time. If the High Yield Tiered Rate Share Account is not new money, rates are 1.00% less than posted above.* One Credit Union reserves the right to discontinue this promotional rate or reinstate it at any time. Return to top

Other Business Saving Solutions

Account Type	APY *	Dividend Rate	Min. Opening Deposit
Business Share Draft - over $1K	0.10%	0.10%	$100.00
Business Regular Shares	0.25%	0.25%	$5.00
Business Interest on Lawyer Trust Account (IOLTA)	2.50%	2.50%	$100.00
*APY is annual percentage yield. Rate is dividend rate. Rates effective 2/1/2019 and are subject to change without notice. For IOLTA Share Draft Accounts, interest will be sent to the Vermont or New Hampshire Bar Foundation. Return to top

Certificates

Regular Share & IRA Certificates	APY *	Dividend Rate
CD - 6 Month	0.50%	0.50%
CD - 12 Month	1.00%	1.00%
CD - 18 Month	1.21%	1.20%
CD - 24 Month	1.31%	1.30%
CD - 36 Month	1.41%	1.40%
CD - 48 Month	1.51%	1.50%
CD - 60 Month	1.61%	1.60%
*APY is Annual Percentage yield. Minimum Deposit on Share Certificates is $1,000.00. Minimum Deposit on Jumbo Regular and Jumbo IRA Share Certificates is $100,000.00. Minimum deposit for a Youth Certificate is $100.00. Penalty for early withdrawal. Penalties may reduce earnings. Ask for more information. Rate is dividend rate. Rates effective 10/01/2019 and are subject to change without notice. Return to top