At Infinity, we are proud to offer Best in Market rates, which means you’ll always have one of the most competitive rates in the state, based on a weekly Market Rate Survey by www.Rate-Watch.com and www.BankRate.com.

New Auto Loan / Motorcycle (2019-2023)

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Term As Low As APR* Payment per $1,000**
Term
36 Months
As Low As APR*
5.99%
Payment per $1,000**
$30
Term
48 Months
As Low As APR*
5.99%
Payment per $1,000**
$23
Term
60 Months
As Low As APR*
5.99%
Payment per $1,000**
$19
Term
72 Months
As Low As APR*
6.24%
Payment per $1,000**
$17

*Model years 2019 – 2023 qualify year for “New” rate. Term is based on vehicle value & amount financed. Rates determined by individual credit score. The “As Low As” rates quoted here are for credit scores of 700+. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. Max. secured loan amount with Infinity Credit Union is $180,000. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan).
Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

**Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000.

Used Auto / Motorcycle Loan (2014-2018)

Term As Low As APR* Payment per $1,000**
Term
36 Months
As Low As APR*
6.99%
Payment per $1,000**
$31
Term
48 Months
As Low As APR*
6.99%
Payment per $1,000**
$24
Term
60 Months
As Low As APR*
6.99%
Payment per $1,000**
$20

Model years 2014 – 2018 qualify for “Used” rate. Term is based on vehicle value & amount financed. Rates determined by individual credit score.

*The “As Low As” rates quoted here are for credit scores of 700+. Subject to credit approval. Rates, terms, & conditions subject to change at any time. The min. loan amount is $500. Max secured loan amount with Infinity Credit Union is $180,000. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

**Payments listed are only examples. Payment examples are based off a used auto loan with the term and APR listed above calculating the payment per $1,000.

For Autos or Motorcycles 2012 or older, please see Personal Loan rates.

General Secured | Motorhomes, ATVs, Boats, Older Autos

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Term As Low As APR* Payment per $1,000**
Term
New: 2019 – 2023 (36-60 Months)
As Low As APR*
7.74%
Payment per $1,000**
$20
Term
New: 2019 – 2023 (72 Months)
As Low As APR*
7.99%
Payment per $1,000**
$18
Term
Used: 2014 – 2018 (36-60 Months)
As Low As APR*
8.99%
Payment per $1,000**
$21
Term
Used: 2013 and older
As Low As APR*
10.49%
Payment per $1,000**
$22

*Term is based on value of the vehicle & amount financed. Rates are subject to individual credit scores. The “As Low As” rates quoted are for credit scores of 700+. Rates, terms, & conditions subject to change at any time. The min. loan amount is $500. Max. secured loan amount with Infinity Credit Union is $180,000. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

**Payments listed are only examples. Payment examples are based off a general secured loan with the APR listed above calculating the payment per $1,000.

Personal Loans

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Term As Low As APR* Payment per $1,000**
Term
Signature**
As Low As APR*
11.49%
Payment per $1,000**
$22
Term
Line of Credit**
As Low As APR*
16.49%
Payment per $1,000**
$22
Term
Deposit Collateral (Share/CD)
As Low As APR*
3.00%
Payment per $1,000**
$0

*APR=Annual Percentage Rate.
**Interest rates determined by individual credit history. The “As Low As” rates quoted here are for credit scores of 700+. Rates, terms, & conditions subject to change at any time. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

The min. loan amount is $500. Max. unsecured loan amount (HELOC, personal loans, credit cards & unsecured home equity loans) with Infinity Credit Union is $75,000.

Payment Saver Auto Loans

Term As Low As APR* Payment per $1,000**
Term
36 Months
As Low As APR*
6.49%
Payment per $1,000**
$31
Term
48 Months
As Low As APR*
6.49%
Payment per $1,000**
$24
Term
60 Months**
As Low As APR*
6.49%
Payment per $1,000**
$20
Term
72 Months**
As Low As APR*
6.74%
Payment per $1,000**
$17

*Term is based on value of vehicle and amount financed. Rates subject to individual credit scores.  The as low as rates are for credit scores 700+. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

**Minimum loan amount of $15,000 for vehicles financed with 60 to 72 month loan terms.

Real Estate Loan Rates

Conventional Mortgage Loans

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Mortgage Term Interest Rate Starting At APR Starting at* Payment per $150,000** Cost°
Mortgage Term
30 Year Fixed
Interest Rate Starting At
5.875%
APR Starting at*
6.016%
Payment per $150,000**
$887
Cost°
$188
Mortgage Term
20 Year Fixed
Interest Rate Starting At
5.750%
APR Starting at*
5.953%
Payment per $150,000**
$1,053
Cost°
$375
Mortgage Term
15 Year Fixed
Interest Rate Starting At
5.625%
APR Starting at*
5.859%
Payment per $150,000**
$1,236
Cost°
$188
Mortgage Term
7/1 ARM 30 Year^
Interest Rate Starting At
7.500%
APR Starting at*
7.515%
Payment per $150,000**
$1,049
Cost°
$0
Mortgage Term
5/1 ARM 30 Year^
Interest Rate Starting At
7.250%
APR Starting at*
7.373%
Payment per $150,000**
$1,023
Cost°
$0
Mortgage Term
3/1 ARM 30 Year^
Interest Rate Starting At
7.250%
APR Starting at*
7.367%
Payment per $150,000**
$1,023
Cost°
$0

°Cost equals discount points paid.

*Annual Percentage Rates (APRs). Rates quoted are based on a purchase transaction of $200,000, loan-to-value of 75%, primary residence, and a credit score of 740 or higher. All interest rates, APRs, and cost are indications only and are subject to change without notice. Contact our Mortgage team at infinitylending@infinitycu.com for more information.

**Payments are only examples. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. The payment listed based on borrowing $150,000 amortized over 30 years. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount.

^Adjustable Rate Mortgages are subject to change and may increase following the conclusion of the fixed period stated above. Rates, terms and conditions subject to change at any time.

Home Equity Loans

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Term As Low As APR* Payment per $1,000**
Term
Equity Line of Credit: up to 80% CLTV**
As Low As APR*
6.49%
Payment per $1,000**
$11
Term
Equity Line of Credit: up to 90% CLTV**
As Low As APR*
7.24%
Payment per $1,000**
$12
Term
Equity Line of Credit: up to 100% CLTV**
As Low As APR*
7.99%
Payment per $1,000**
$12
Term
Easy Equity Loan: up to 80% CLTV**
As Low As APR*
6.24%
Payment per $1,000**
$11
Term
Easy Equity Loan: up to 90% CLTV**
As Low As APR*
6.74%
Payment per $1,000**
$11
Term
Easy Equity Loan: up to 100% CLTV**
As Low As APR*
7.99%
Payment per $1,000**
$12

*APR=Annual Percentage Rate. CLTV = Combined Loan to Value. Rates, terms, & conditions are subject to change at any time. The “As Low As” rates quoted here are for credit scores of 700+. All home equity loans are valid for loan amounts up to $50,000.

**Payments listed are examples only. Payment examples are based on a home equity loan with a 60-month term & APR above, calculating the payment per $1,000. All home equity loans require homeowners insurance. Flood insurance is required for properties in a flood zone. Tax & insurance are not included in the payment the actual payment obligation will be greater.

**Effective with new equity loan applications on or after March 6, 2023, a Total Loan to Value (TLTV) of 100% will only be allowed on files where the current 1st mortgage is with Infinity or there is no current 1st mortgage with any financial institution. Home Equity approvals max of 95% TLTV if existing property mortgage is held by a lender other than Infinity Credit Union.

**The APR for the Line of Credit is variable & may change after the account is opened. Max. rate is 18% APR. Fees for a Line of Credit include an application fee of $395 unless an initial draw is $10,000 or more & a balance of $5,000 is maintained for the first year; appraisal fees may apply & range from $250 – $500; some states may charge an Intangible or Mortgage Registration Tax. This cost varies depending on the state.

Other Home Loans

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Loan Type Term APR as low as*
Loan Type
Land Loan
Term
Fixed rate, 60 months. (Terms up to 120 months).
APR as low as*
10.99%*
Loan Type
Manufactured Home Loans
Term
Financing of mobile homes available; call for scenario pricing
APR as low as*
Call: 207-854-6000 ext. 4110

*Annual Percentage Rate (APR) based on credit review and approval, and based on land’s value up to 70% (LTV). Rates subject to change. Contact our experienced lending team for more details.

Deposit Account Rates

High Five Checking

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Average Balance # Monthly Transactions Dividend Rate APY**
Average Balance
0 – $5,000
# Monthly Transactions
0 – 24
Dividend Rate
1.25%
APY**
1.26%
Average Balance
0 – $5,000
# Monthly Transactions
25+
Dividend Rate
2.50%
APY**
2.53%
Average Balance
$5,001 and over
# Monthly Transactions
0 – 24
Dividend Rate
0.05%
APY**
0.05%
Average Balance
$5,001 and over
# Monthly Transactions
25+
Dividend Rate
0.05%
APY**
0.05%

**APY =Annual Percentage Yield. Rates are calculated based on the average monthly balance during the statement cycle. See the table above for details. Rates may change after the account is opened. Terms and conditions are subject to change without notice. There is no minimum deposit to open.

Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
$500
Balance Method
Daily Balance Method

Member Share Savings

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Member Share APY* Dividend Rate
Member Share
$5-$5,000
APY*
0.15%
Dividend Rate
0.15%
Member Share
$5,001-$25,000
APY*
0.15%
Dividend Rate
0.15%
Member Share
Over $25,000
APY*
0.15%
Dividend Rate
0.15%

**Minimum Required Balance to Obtain Annual Percentage Yield for the Dividend Period.

Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
$5
Balance Method
Daily Balance

Quick Silver Money Market Rates

Money Market APY* Dividend Rate
Money Market
$0-$4,999
APY*
0.25%
Dividend Rate
0.25%
Money Market
$5,000-$9,999
APY*
1.25%
Dividend Rate
1.24%
Money Market
$10,000-$19,999
APY*
1.35%
Dividend Rate
1.34%
Money Market
$20,000-$49,999
APY*
2.30%
Dividend Rate
2.28%
Money Market
$50,000-$74,999
APY*
2.40%
Dividend Rate
2.38%
Money Market
$75,000-$99,999
APY*
2.45%
Dividend Rate
2.43%
Money Market
$100,000-$249,999
APY*
2.50%
Dividend Rate
2.48%
Money Market
$250,000-$499,999
APY*
3.00%
Dividend Rate
2.97%
Money Market
$500,000 and over
APY*
3.10%
Dividend Rate
3.07%
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
$0
Minimum Required Balance
$0
Balance Method
Daily Balance

K.I.S.S. Money Market

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Balance** Rate APY
Balance**
$0 – $9,999
Rate
1.24%
APY
1.25%
Balance**
$10,000 and over
Rate
1.34%
APY
1.35%
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
$25
Minimum Required Balance
N/A
Balance Method
Daily Balance

IRA Accumulation/Builder

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IRA Accumulation / Builder APY* Dividend Rate
IRA Accumulation / Builder
$25-$49,999
APY*
0.35%
Dividend Rate
0.35%
IRA Accumulation / Builder
$50,000-$74,999
APY*
0.40%
Dividend Rate
0.40%
IRA Accumulation / Builder
$75,000-$99,999
APY*
0.40%
Dividend Rate
0.40%
IRA Accumulation / Builder
$100,000 and over
APY*
0.50%
Dividend Rate
0.50%

Must have checking relationship.

* APY = Annual Percentage Yield. Rates may change after the account is opened. Rate is accurate as of last dividend declaration date. Fees may reduce earnings on the account.

Dividends
Dividends Compounded
Quarterly
Dividends Credited
Quarterly
Dividend Period
Quarterly
Balance Requirements
Minimum Opening Balance
$500
Minimum Required Balance
$2,500
Balance Method
Daily Balance

IRA & Share Certificates (CD’s)

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IRA / Share Certificates APY* Dividend Rate
IRA / Share Certificates
3 Month**
APY*
3.00%
Dividend Rate
2.97%
IRA / Share Certificates
6 Month
APY*
3.10%
Dividend Rate
3.07%
IRA / Share Certificates
9 Month (limited time rate)
APY*
4.50%
Dividend Rate
4.43%
IRA / Share Certificates
12 Month
APY*
4.05%
Dividend Rate
3.99%
IRA / Share Certificates
18 Month
APY*
4.00%
Dividend Rate
3.94%
IRA / Share Certificates
24 Month
APY*
3.90%
Dividend Rate
3.84%
IRA / Share Certificates
36 Month
APY*
1.80%
Dividend Rate
1.79%
IRA / Share Certificates
48 Month
APY*
1.85%
Dividend Rate
1.84%
IRA / Share Certificates
60 Month
APY*
1.95%
Dividend Rate
1.94%

* APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today’s dividend declaration. Fees may reduce earnings on the account.
**3 Month Certificate requires a minimum deposit of $5,000

Account Information
Minimum Opening Deposit
N/A
Dividends Calculated
Daily
Dividends Compounded
Quarterly
Dividends Credit
Quarterly
Dividend Period
Quarterly
Balance Method
Daily Balance Method
Transaction Limitations – Penalties may apply for early withdrawal.
Additional Deposits
Not Allowed
Dividend Withdrawal
Allowed
Renewable
Automatic

Owner Participation Account

Owner Participation Account APY* Dividend Rate
Owner Participation Account
(OPA)
APY*
0.50%
Dividend Rate
0.50%
Routing Number
211288491
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(207) 854-6000
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