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.
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AUTO LOAN RATESOpen or Close
Model YearTerm (Months)APR as low as*2023-2013486.00%2023-2013606.75%2023-2013727.00%2023-2021849.25%Model YearTerm (Months)APR as low as*2023-2011486.00%2023-2011606.75%2023-2011727.00%RV, CAMPER & TRAVEL TRAILER LOANS (MAX FINANCE $35K)
Model YearTerm (Months)APR as low as*2023-2011487.75%2023-2011608.00%2023-2011728.50%2023-2011848.75%Model YearTerm (Months)APR as low as*2023-2011488.50%2023-2011608.75%2023-2011729.00%2023-2011849.25%*Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers.
Rates and terms subject to change without notice. 2/2/2023. -
SAVINGS ACCOUNT RATESOpen or Close
SAVINGS ACCOUNT RATES
Account TypeMinimum Deposit RequiredAPY*Dividend Rate$5,000 - $49,9990.20%0.20%Over $50,0000.30%0.30%Kid's Account - SavingsMinimum $5 required0.05%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
TermMinimum Deposit RequiredAPY*3 MonthsDividend paid at maturity; 30-day penalty for early withdrawal0.30%6 MonthsDividend paid at maturity; 60-day penalty for early withdrawal0.40%6 MonthsDividend paid at maturity; 60-day penalty for early withdrawal3.00%†11 MonthsDividend paid at maturity; 90-day penalty for early withdrawal3.75%†12 MonthsDividend paid quarterly; 90-day penalty for early withdrawal0.70%18 MonthsDividend paid quarterly; 90-day penalty for early withdrawal0.75%18 MonthsDividend paid at maturity; 90-day penalty for early withdrawal3.50%**24 MonthsDividend paid quarterly; 120-day penalty for early withdrawal1.00%36 MonthsDividend paid annually; 180-day penalty for early withdrawal1.25%60 MonthsDividend paid annually; 360-day penalty for early withdrawal1.50%NOTE: Penalty for early withdrawal applies to all Certificates.
*Annual Percentage Yield. Rates subject to change without notice. Current Certificates rates effective 10/27/22.
**Annual Percentage Yield. Minimum $25,000 deposit. New funds only. Quantum membership required. Rates subject to change without notice.
† Annual Percentage Yield. Minimum $500 deposit. New funds only. Quantum membership required. Rates subject to change without notice.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.
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HOME LOAN RATESOpen or Close
MORTGAGE LOANS
Product TypeTerm (Months)APR as low as*605.00%845.50%1806.25%2406.50%*Rates and terms subject to change without notice. 10/27/2022
*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 4.50%. Maximum APR during the life of the loan is 18.00%. Limited to owner occupied properties. Other restrictions and limitations may apply.
**Annual Percentage Rate. Borrow up to 100% of your home’s current market value, less any outstanding mortgage balance. Non-refundable $250 application fee and does not include required escrow, property taxes or private home insurance. Limited to Kansas, owner-occupied properties. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval. Other restrictions may apply. -
PERSONAL LOAN RATESOpen or Close
PERSONAL LOAN RATES
Product TypeTerm (Months)APR as low as***126.50%247.50%4810.00%6011.00%***Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers. Rates and terms subject to change without notice. 2/2/2023.
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VISA CREDIT CARDOpen or Close
VISA CREDIT CARD RATES
Product TypeAPR as low as*Classic9.90% to 18.90%Shared Secure12.00%*Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers. Rates and terms subject to change without notice. 06/03/2022.
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SHARE/CD SECURED LOAN RATESOpen or Close
SHARE/CD SECURED LOAN RATES
Product TypeAPR 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 TypeMinimum Deposit RequiredAPY*Dividend RateFees 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.
