SAVINGS & LOAN RATES

Whether you’re in the market for a new car or want to earn dividends on your savings, we’ve got you covered with great rates, flexible terms, and a variety of savings and loan options. Contact us about opening a Quantum Credit Union account today.

  • AUTO LOAN RATESOpen or Close

    AUTO LOANS (NEW & USED)

    Model Year
    Term (Months)
    APR as low as*
    2024-2014
    48
    5.99%
    2024-2014
    60
    6.25%
    2024-2014
    72
    6.50%
    2024-2014
    84
    7.25%

    MOTORCYCLE LOANS (NEW & USED)

    Model Year
    Term (Months)
    APR as low as*
    2024-2014
    48
    5.99%
    2024-2014
    60
    6.25%
    2024-2014
    72
    6.50%

    RV, CAMPER & TRAVEL TRAILER LOANS (MAX FINANCE $35K)

    Model Year
    Term (Months)
    APR as low as*
    2024-2014
    48
    7.75%
    2024-2014
    60
    8.00%
    2024-2014
    72
    8.25%
    2024-2014
    84
    8.50%

    WATERCRAFT LOANS

    Model Year
    Term (Months)
    APR as low as*
    2024-2014
    48
    8.25%
    2024-2014
    60
    8.50%
    2024-2014
    72
    8.75%
    2024-2014
    84
    9.00%

    *Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers.
    Rates and terms subject to change without notice. 9/23/2024.

  • SAVINGS ACCOUNT RATESOpen or Close

    SAVINGS ACCOUNT RATES

    Account Type
    Minimum Deposit Required
    APY*
    Dividend Rate
    Minimum $5 required
    0.05%
    0.05%
    $0 - $4,999
    0.15%
    0.15%
     
    $5,000 - $49,999
    0.20%
    0.20%
     
    Over $50,000
    0.30%
    0.30%
    Kid's Account - Savings
    Minimum $5 required
    0.05%
    0.05%
    Youth Account - Savings
    Minimum $5 required
    0.05%
    0.05%

    *Annual Percentage Yield (APY) will vary based on average deposit balance and length of time on deposit. Minimum balance may be required. Effective 9/28/2020.

    Declared Dividends for Savings and Checking – 9/28/2020.

    IRA & SHARE CERTIFICATE (CD) RATES

    Term
    Minimum Deposit Required
    APY*
    3 Months
    Dividend paid at maturity; 30-day penalty for early withdrawal
    0.30%
    6 Months
    Dividend paid at maturity; 60-day penalty for early withdrawal
    0.40%
    7 Months
    Dividend paid at maturity; 60-day penalty for early withdrawal
    5.00%
    11 Months
    Dividend paid at maturity; 90-day penalty for early withdrawal
    4.75%
    12 Months
    Dividend paid quarterly; 90-day penalty for early withdrawal
    0.70%
    18 Months
    Dividend paid quarterly; 90-day penalty for early withdrawal
    0.75%
    18 Months
    Dividend paid at maturity; 90-day penalty for early withdrawal
    3.75%
    24 Months
    Dividend paid quarterly; 120-day penalty for early withdrawal
    1.00%
    36 Months
    Dividend paid annually; 180-day penalty for early withdrawal
    1.25%
    60 Months
    Dividend paid annually; 360-day penalty for early withdrawal
    1.50%

    NOTE: Penalty for early withdrawal applies to all Certificates.

    *Annual Percentage Yield. Rates subject to change without notice. Current Certificates rates effective 2/26/24.

    Fees could reduce earnings. Rates and balance tiers for savings, CDs, and Retirement CDs are applicable as of the effective date, and may change at our discretion.

  • HOME LOAN RATESOpen or Close

    MORTGAGE LOANS

    Product Type
    Term (Months)
    APR as low as*
    Call 316-263-5756, option 2 for current rates
     
    Call 316-263-5756, option 2 for current rates
     
    Call 316-263-5756, option 2 for current rates
     
     
    60
    6.25%
     
    84
    6.75%
     
    180
    7.25%
     
    240
    7.50%

    *Rates and terms subject to change without notice. 3/13/2024

    *Annual Percentage Rate is variable and is subject to change quarterly based on the Wall Street Journal Prime plus or minus a margin and the Loan to Value. The floor rate is 6.00%. Maximum APR during the life of the loan is 18.00%. Limited to owner occupied properties. Other restrictions and limitations may apply.

    HELOC: Annual Percentage Rate is variable and is subject to change quarterly based on the Wall Street Journal Prime Plus or minus a margin and the Loan to Value. The floor rate is 3.25% APR. Maximum APR during the life of the loans is 18.00% APR. Appraisal is required with a fee range from $250-$500. For a limited time, Quantum will waive your closing costs for the following fees: title insurance, recording fees, and flood certification. Limited to owner-occupied properties. Other restrictions, fees and limitations may apply. All loans are subject to approval.

  • PERSONAL LOAN RATESOpen or Close

    PERSONAL LOAN RATES

    Product Type
    Term (Months)
    APR as low as***
     
    12
    7.99%
     
    24
    8.99%
    36
    9.99% 
     
    48
    10.99%
     
    60
    11.99%

    ***Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers. Rates and terms subject to change without notice. 3/13/2024.

  • VISA CREDIT CARDOpen or Close

    VISA CREDIT CARD RATES

    Product Type
    APR as low as*
    Classic
    9.90% to 12.90%
    Shared Secure
    12.00%
    Click here to view our Visa Disclosure

    *Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers. Rates and terms subject to change without notice. 10/16/2017.

  • SHARE/CD SECURED LOAN RATESOpen or Close

    SHARE/CD SECURED LOAN RATES

    Product Type
    APR as low as*
    3.00% above current dividend being paid

    *Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers. Rates and terms subject to change without notice. 10/16/2017.

    Fees could reduce earnings. Rates and balance tiers for CDs and Retirement CDs are applicable as of the effective date, and may change at our discretion.

  • CHECKING ACCOUNT RATESOpen or Close

    CHECKING ACCOUNT RATES

    Account Type
    Minimum Deposit Required
    APY*
    Dividend Rate
     
     
     
    Minimum $100 required
    0.03%
    0.03%

    Fees could reduce earnings. Rates and balance tiers for checking accounts are applicable as of the effective date, and may change at our discretion.

    *Annual Percentage Yield (APY) will vary based on average deposit balance and length of time on deposit. Minimum balance may be required. Effective 4/1/2017.

    Declared Dividends for Savings and Checking – 4/1/2017.

 

 
You can apply for a Quantum membership or loan 24 hours a day, 7 days a week. We’ll respond within one business day. Applications may also be taken by phone by calling 316.263.5756 or visiting one of our convenient locations. To apply, click on one of the application buttons to the left.