rates

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 (2018-2022)

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Term APR as low as*
Term
60 months
APR as low as*
2.24%
Term
72 months
APR as low as*
2.64%
Term
84 months
APR as low as*
3.24%

*Annual Percentage Rate. Rates, terms and conditions subject to change at any time without notice. APR and loan pending underwriting, vehicle age, credit review, and subject to approval. Additional terms (48 months, etc) available on request. Rates include a 0.50% Relationship Discount.

Used Auto / Motorcycle Loan (2013-2017)

Term APR as low as*
Term
60 months
APR as low as*
2.64%

*Annual Percentage Rate. Rates, terms and conditions subject to change at any time without notice. APR and loan pending underwriting, vehicle age, credit review, and subject to approval. Rate includes a 0.50% Relationship Discount.

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

New Recreational Vehicles, Boats, Equipment Loan (2018-2022)

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Term APR as low as*
Term
60 months
APR as low as*
4.24%
Term
72 months
APR as low as*
4.49%

*Annual Percentage Rate. Rates, terms and conditions subject to change at any time without notice. APR and loan pending underwriting, vehicle age, credit review, and subject to approval. Rates include a 0.50% Relationship Discount.

Used Recreational Vehicles, Boats, Equipment Loan (2013-2017)

Term APR as low as*
Term
60 months
APR as low as*
5.49%

*Annual Percentage Rate. Rates, terms and conditions subject to change at any time without notice. APR and loan pending underwriting, vehicle age, credit review, and subject to approval. Rates include a 0.50% Relationship Discount.

Energy Loan

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Term APR as low as*
Term
60 months
APR as low as*
6.99%

*APR = Annual percentage rate. Rates subject to change any time without notice. APR and loan pending underwriting, credit review, and subject to approval. Rate includes a 0.50% Relationship Discount.

Personal Loan

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Term APR as low as*
Term
60 months
APR as low as*
6.99%
Term
72 months
APR as low as*
7.49%

*Annual Percentage Rate = APR. Rates, terms and conditions subject to change at any time without notice. Shorter terms (ex. 48 months) available. Rates include a 0.50% Relationship Discount.

Bridge to Citizenship Loan

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Term APR as low as*
Term
12 months
APR as low as*
6.99%
Term
24 months
APR as low as*
6.99%
Term
36 months
APR as low as*
6.99%
Term
48 months
APR as low as*
6.99%
Term
60 months
APR as low as*
6.99%
Term
72 months
APR as low as*
7.49%
Term
84 months
APR as low as*
7.49%

*Annual Percentage Rate = APR. Rates include a 0.50% relationship discount.

Other Loans

Type APR as low as* Terms
Type
Visa® Credit Card
APR as low as*
8.90%
Terms
(based on credit review)
Type
Share Secured
APR as low as*
Deposit Rate + 3.00%
Terms
Use your savings as collateral
Type
Overdraft Line of Credit
APR as low as*
14.99%
Terms
Maximum limit – $7,500 (based on credit review)

*Annual Percentage Rate = APR. Rates subject to change, and pending credit review and approval.

Real Estate Loan Rates

Conventional Mortgage Loans

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Term Rates (as low as) APR starting at* Payment per $150,000** Cost°
Term
30 Year Fixed Rate
Rates (as low as)
4.875%
APR starting at*
5.071%
Payment per $150,000**
$794
Cost°
$1,313
Term
20 Year Fixed Rate
Rates (as low as)
4.625%
APR starting at*
4.904%
Payment per $150,000**
$959
Cost°
$1,500
Term
15 Year Fixed Rate
Rates (as low as)
4.125%
APR starting at*
4.435%
Payment per $150,000**
$1,119
Cost°
$1,125
Term
7/1 Adjustable Rate
Rates (as low as)
3.375%
APR starting at*
4.203%
Payment per $150,000**
$663
Cost°
$0
Term
5/1 Adjustable Rate
Rates (as low as)
2.875%
APR starting at*
4.181%
Payment per $150,000**
$622
Cost°
$0
Term
3/1 Adjustable Rate
Rates (as low as)
2.750%
APR starting at*
4.393%
Payment per $150,000**
$612
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.

Fixed Rate Home Equity Loan

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Term APR as low as*
Term
5 years
APR as low as*
3.49%
Term
10 years
APR as low as*
3.49%

*Rate varies based on your credit qualifications and home’s equity; for up to 80% of home’s value; other rates available for up to 100% of your home’s value; $5,000 minimum.

Other Home Loans

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Loan Type Term APR as low as*
Loan Type
Variable Rate Home Equity Line of Credit – Interest Only
Term
120 month draw period
APR as low as*
2.99%**
Loan Type
Land Loan
Term
Fixed rate, 60 months. (Terms up to 120 months). Rate based on loan amount up to 70% LTV
APR as low as*
8.09%**
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

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%

**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
None
Balance Method
Average Daily Method

Other Checking Accounts

Account Rate APY
Account
Step Up Checking
Rate
0.00%
APY
0.00%
Account
Bridge Checking
Rate
0.00%
APY
0.00%
Account
Teen Trailblazer Checking
Rate
0.00%
APY
0.00%
Account
College Pathfinder Checking
Rate
0.00%
APY
0.00%
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
None
Minimum Required Balance
None
Balance Method
N/A

Member Share Savings

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Balance** Rate APY
Balance**
Under $100
Rate
0.15%
APY
0.15%
Balance**
$100 – $499
Rate
0.15%
APY
0.15%
Balance**
$500 – $999
Rate
0.15%
APY
0.15%
Balance**
$1,000 and over
Rate
0.15%
APY
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

Other Savings Accounts

Account Minimum Opening Balance Rate APY
Account
Club Savings
Minimum Opening Balance
$1.00 Holiday / $0.01 Others
Rate
0.15%
APY
0.15%
Account
Traditional IRA
Minimum Opening Balance
n/a
Rate
0.35%
APY
0.35%
Account
Roth IRA Savings
Minimum Opening Balance
n/a
Rate
0.35%
APY
0.35%
Account
Roth Conversion IRA
Minimum Opening Balance
n/a
Rate
0.35%
APY
0.35%
Account
Education IRA Savings
Minimum Opening Balance
n/a
Rate
0.35%
APY
0.35%
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Required Balance
None
Balance Method
Average Daily Method

Money Market Rates

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Balance** Rate APY
Balance**
Under $2,500
Rate
0.10%
APY
0.10%
Balance**
$2,500 – $9,999
Rate
0.15%
APY
0.15%
Balance**
$10,000 – $24,999
Rate
0.15%
APY
0.15%
Balance**
$25,000 – $49,999
Rate
0.35%
APY
0.35%
Balance**
$50,000 and over
Rate
0.60%
APY
0.60%

**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
$25
Minimum Required Balance
$2,500
Balance Method
Daily Balance

K.I.S.S. Money Market

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Balance** Rate APY
Balance**
$0 – $9,999
Rate
0.10%
APY
0.10%
Balance**
$10,000 and over
Rate
0.15%
APY
0.15%
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

Premier & IRA Money Market

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Balance** Rate APY
Balance**
Under $2,500
Rate
0.10%
APY
0.10%
Balance**
$2,500 – $9,999
Rate
0.15%
APY
0.15%
Balance**
$10,000 – $24,999
Rate
0.15%
APY
0.15%
Balance**
$25,000 – $49,999
Rate
0.35%
APY
0.35%
Balance**
$50,000 – $99,999
Rate
0.45%
APY
0.45%
Balance**
$100,000 – $249,999
Rate
0.55%
APY
0.55%
Balance**
$250,000 and up
Rate
0.65%
APY
0.65%

Must have checking relationship.

**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
$50,000
Minimum Required Balance
$2,500
Balance Method
Daily Balance

Share Certificates

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Term Dividend Rate APY
Term
3 Months**
Dividend Rate
0.50%
APY
0.50%
Term
6 Months
Dividend Rate
0.65%
APY
0.65%
Term
12 Months
Dividend Rate
1.00%
APY
1.00%
Term
18 Months
Dividend Rate
0.75%
APY
0.75%
Term
24 Months
Dividend Rate
0.80%
APY
0.80%
Term
36 Months
Dividend Rate
0.85%
APY
0.85%
Term
60 Months
Dividend Rate
1.24%
APY
1.25%

* APY = Annual Percentage Yield.

Fees may reduce earnings on the account.

**3 Month Certificate requires a $5000 minimum balance.

Account Information
Minimum Opening Deposit
$500
Dividends Compounded
Monthly
Dividends Credit
Monthly
Dividend Period
Monthly
Balance Method
Daily Balance Method
Transaction Limitations – Penalties may apply for early withdrawal.
Additional Deposits
Not Allowed
Dividend Withdrawal
Allowed
Renewable
Automatic

IRA Share Certificates

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Term Dividend Rate APY
Term
6 Months
Dividend Rate
0.65%
APY
0.65%
Term
12 Months
Dividend Rate
0.70%
APY
0.70%
Term
18 Months
Dividend Rate
0.75%
APY
0.75%
Term
24 Months
Dividend Rate
0.80%
APY
0.80%
Term
36 Months
Dividend Rate
0.85%
APY
0.85%
Term
60 Months
Dividend Rate
1.00%
APY
1.00%
Account Information
Minimum Opening Deposit
N/A
Dividends Compounded
Monthly
Dividends Credit
Monthly
Dividend Period
Monthly
Balance Method
Daily Balance Method
Transaction Limitations – Penalties may apply for early withdrawal.
Additional Deposits
Not Allowed
Dividend Withdrawal
Allowed
Renewable
Automatic

Business Rates

Business Share Account

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Daily Average Balance Rate APY
Daily Average Balance
$25.00 – $99.99
Rate
0.05%
APY
0.05%
Daily Average Balance
$100 – $5,000
Rate
0.05%
APY
0.05%
Daily Average Balance
$5,000 – $10,000
Rate
0.05%
APY
0.05%
Daily Average Balance
$10,000 and over
Rate
0.10%
APY
0.10%

Minimum Opening Deposit – $25

Business Basic Checking

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Terms Requirements
Terms
Minimum average daily balance to avoid fee
Requirements
$0.00 in Checking Account
Terms
Monthly fee if account is below minimum average daily balance
Requirements
$0.00
Terms
Dividend Earning
Requirements
No

Business Choice Checking

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Daily Average Balance Rate APY
Daily Average Balance
$0 – $2,499
Rate
0.05%
APY
0.05%
Daily Average Balance
$2,500 – $4,999
Rate
0.05%
APY
0.05%
Daily Average Balance
$5,000 and over
Rate
0.05%
APY
0.05%

Business Money Market

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Balance** Rate APY
Balance**
Under $5,000
Rate
0.05%
APY
0.05%
Balance**
$5,000 – $9,999
Rate
0.10%
APY
0.10%
Balance**
$10,000 – $24,999
Rate
0.10%
APY
0.10%
Balance**
$25,000 – $49,999
Rate
0.10%
APY
0.10%
Balance**
$50,000 and over
Rate
0.10%
APY
0.10%

**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
$25
Minimum Required Balance
$5,000
Balance Method
Daily Balance
Routing Number
211288491
Call Us
207-854-6000
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*Lobby Alerts: Please note, our Westbrook Lobby is currently closed, by appointment only, Mon-Fri. *(Lobby Reopening May 24th). Our Drive-Thru Teller Services remain open Mon-Fri 8:30am-5pm. (Closed Saturdays). Our ATM & Online Banking are available 24/7 for your convenience. Our Call Center is open to assist: 207-854-6000.

*Our Arundel lobby will be Closed Wed-Fri. 5/18-20 due to staffing. We apologize for the inconvenience. Our Drive-Thru will remain open normal hours. Our ATM & Online Banking are available 24/7. Our Call Center is also open to assist.

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