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Loan Rates | Savings Rates

Current Promotions

Check out our most recent promotions below and see how you can save!

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Business Checking Promo

New business checking account holders will earn $500*! Enjoy no minimum balance or monthly service fees, insured deposits, and convenient digital banking! How to claim your $500*: Get Started *New Business Checking Account Offer available to new Basic or Premium Business Checking Account members; members with current business checking accounts are not eligible for new […]

†APY=Annual Percentage Yield. APY is accurate as of 01.04.2023. Initial deposit cannot include money already on deposit at Inspire FCU. $25 minimum deposit to open.  These rates apply to High Yield checking accounts. High Yield Checking is a tiered-rate account. APY is calculated as an average daily balance throughout the statement cycle, not on balance at the end of the statement period. Once a particular balance range is met, the dividend rate and APY for that range will apply to the full balance of your account. Rates are variable and may change after account is opened. Dividends post on the last day of the month. Fees may reduce earnings, please see our fee schedule. 1Other restrictions apply. The credit union reserves the right to change or end the promotion at anytime. See credit union for details. Federally insured by NCUA.

**New Checking Account Offer available to new consumer Everyday, Rewards, or Fresh Start checking account members; members with current checking accounts are not eligible for new account bonus of $300. Earn a $300 cash bonus deposit for qualifying direct deposit(s) totaling $500 or more posting to the new checking account within 30 days of account opening. A qualifying direct deposit is defined as a recurring electronic deposit into checking account of payroll, pension, Social Security, government benefits, or other eligible regular monthly income. Checking account must be open for 60 days before $300 checking bonus will be credited. Bonus deposit will be paid into your Inspire FCU checking account if the account is in good standing at time of incentive processing. If any of the preceding qualifications are not met, the new account bonus will not be received by the member. The credit union reserves the right to cancel promotion at any time. Consult a tax professional for tax consequences. Federally insured by NCUA. Other restrictions apply. Federally insured by NCUA. **Please visit our rates page for full disclosure and account terms and conditions. Earn up to 1% Cash Back on debit card purchases. To qualify for cash back reward, account must make 15 signature-based debit card purchases that post and clear the Rewards Checking account during the month in which the rewards are paid. Purchases/transactions may take one or more business days from the date the purchase is made to post and clear an account. If you meet the requirements, your cash back credit will be credited to your Rewards account on the last business day of the month. The qualifying purchase period begins on the first day of the month and continues through the last business day of the month in which the rewards are paid. Rewards Checking accounts are not to be used for commercial purposes. Maximum monthly cash back reward is $25 ($2,500 in signature based transactions). See credit union for more details. Federally insured by NCUA.

***APR = Annual Percentage Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR will be based on creditworthiness and income. Qualifying applicants will receive an introductory rate of 4.25% APR that will expire after 6 months and a new rate will adjust to a variable APR between 8.24%–13.25% APR, but not to exceed 15% APR, depending on creditworthiness and Loan to Value. Maximum loan amount eligibility for intro rate is $250,000. Loans greater than $250,000 will be subject to regular rate, which is based on prime rate as published in the Wall Street Journal plus/minus a margin. Existing Inspire FCU Home Equity Loans are not eligible for the introductory rate of 4.25% APR. Introductory rate is available to new home equity loan borrowers only. $5,000 initial draw required for Introductory rate. APR. Certain restrictions may apply to introductory rate and not all borrowers will qualify. Home Equity Line of Credit is a Variable Rate product which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal in effect on the first business day of December, March, June and September of each year. The “Index” plus or minus the margin equals the Interest Rate. Changes in the index will cause changes in the Interest Rate on the first day of January, April, July and October of each year. Interest you pay may be tax deductible. An early closure fee may apply — see Credit Union fee schedule for details. Property insurance is required for real estate secured loans. Consult a tax advisor regarding the deductibility of interest. The minimum monthly payment is $50. Federally insured by NCUA. Equal Housing Lender.

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