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 *APR (as low as)
Term
60 months
*APR (as low as)
4.79%
Term
72 months
*APR (as low as)
5.24%

*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.

Used Auto / Motorcycle Loan (2014-2018)

Term *APR (as low as)
Term
60 months
*APR (as low as)
5.24%

*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.

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

New RV, Boat, Equipment Loan (General Secured 2019-2023)

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Term APR as low as*
Term
60 months
APR as low as*
6.49%
Term
72 months
APR as low as*
6.74%

*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.

Used RV, Boat, Equipment Loan (General Secured 2014-2018)

Term *APR (as low as)
Term
60 months
*APR (as low as)
7.74%

*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.

Personal Loan

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Term APR as low as*
Term
60 months
APR as low as*
9.99%
Term
72 months
APR as low as*
10.49%

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

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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Mortgage Term Interest Rate Starting At APR Starting at* Payment per $150,000** Cost
Mortgage Term
30 Year Fixed
Interest Rate Starting At
5.750%
APR Starting at*
5.901%
Payment per $150,000**
$875
Cost
$375
Mortgage Term
20 Year Fixed
Interest Rate Starting At
5.500%
APR Starting at*
5.715%
Payment per $150,000**
$1,032
Cost
$563
Mortgage Term
15 Year Fixed
Interest Rate Starting At
5.250%
APR Starting at*
5.459%
Payment per $150,000**
$1,206
Cost
$0
Mortgage Term
7/1 ARM 30 Year^
Interest Rate Starting At
5.990%
APR Starting at*
6.852%
Payment per $150,000**
$898
Cost
$0
Mortgage Term
5/1 ARM 30 Year^
Interest Rate Starting At
5.625%
APR Starting at*
6.885%
Payment per $150,000**
$863
Cost
$0
Mortgage Term
3/1 ARM 30 Year^
Interest Rate Starting At
5.500%
APR Starting at*
7.114%
Payment per $150,000**
$852
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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% of Home Value APR as low as* Terms
% of Home Value
Up to 80%
APR as low as*
5.74%
Terms
5 Year or 10 Year
% of Home Value
Up to 90%
APR as low as*
6.24%
Terms
5 Year or 10 Year
% of Home Value
Up to 100%
APR as low as*
6.99%
Terms
5 Year or 10 Year

*Rate varies based on your credit qualifications and home’s equity. $5,000 minimum.

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.

Variable Rate Home Equity Line of Credit (HELOC)

Home Equity Loan & Line of Credit
% of Home Value *APR (as low a) Draw Period
% of Home Value
Up to 80%
*APR (as low a)
5.49%*
Draw Period
120 months
% of Home Value
Up to 90%
*APR (as low a)
5.74%*
Draw Period
120 months
% of Home Value
Up to 100%
*APR (as low a)
6.49%
Draw Period
120 months

Interest only. Rate varies based on your credit qualifications and home’s equity.

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
None
Balance Method
Daily Balance Method

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
Daily Balance Method

Quick Silver Money Market Rates

Balance Rate APY
Balance
$0-$4,999
Rate
0.25%
APY
0.25%
Balance
$5,000-$9,999
Rate
1.24%
APY
1.25%
Balance
$10,000-$19,999
Rate
1.34%
APY
1.35%
Balance
$20,000-$49,999
Rate
2.28%
APY
2.30%
Balance
$50,000-$74,999
Rate
2.37%
APY
2.40%
Balance
$75,000-$99,999
Rate
2.42%
APY
2.45%
Balance
$100,000-$249,999
Rate
2.47%
APY
2.50%
Balance
$250,000-$499,999​
Rate
2.96%
APY
3.00%
Balance
$500,000 and over​
Rate
3.06%
APY
3.10%
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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Balance** Rate APY
Balance**
Under $2,500
Rate
0.25%
APY
0.25%
Balance**
$2,500 – $9,999
Rate
0.25%
APY
0.25%
Balance**
$10,000 – $24,999
Rate
0.35%
APY
0.35%
Balance**
$25,000 – $49,999
Rate
1.29%
APY
1.30%
Balance**
$50,000 – $99,999
Rate
1.39%
APY
1.40%
Balance**
$100,000 – $249,999
Rate
1.49%
APY
1.50%
Balance**
$250,000 and up
Rate
1.98%
APY
2.00%

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

Share Certificates (CD’s)

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Term Dividend Rate APY*
Term
3 Months**
Dividend Rate
3.46%
APY*
3.50%
Term
6 Months
Dividend Rate
3.70%
APY*
3.75%
Term
12 Months
Dividend Rate
4.67%
APY*
4.75%
Term
18 Months
Dividend Rate
4.76%
APY*
4.85%
Term
24 Months
Dividend Rate
4.86%
APY*
4.95%
Term
36 Months
Dividend Rate
2.97%
APY*
3.00%
Term
48 Months
Dividend Rate
3.02%
APY*
3.05%
Term
60 Months
Dividend Rate
3.06%
APY*
3.10%

*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
Please Note
(Dividends will move to Quarterly starting Nov. 1, 2022)
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
3 Months**
Dividend Rate
3.46%
APY*
3.50%
Term
6 Months
Dividend Rate
3.70%
APY*
3.75%
Term
12 Months
Dividend Rate
4.67%
APY*
4.75%
Term
18 Months
Dividend Rate
4.76%
APY*
4.85%
Term
24 Months
Dividend Rate
4.86%
APY*
4.95%
Term
36 Months
Dividend Rate
2.97%
APY*
3.00%
Term
48 Months
Dividend Rate
3.02%
APY*
3.05%
Term
60 Months
Dividend Rate
3.06%
APY*
3.10%

*APY = Annual Percentage Yield. For all certificates, unless otherwise noted: penalty for early withdrawal. A minimum deposit of $500 is required to open a 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 Compounded
Monthly
Dividends Credit
Monthly
Dividend Period
Monthly
Please Note
(Dividends will move to Quarterly starting Nov. 1, 2022)
Balance Method
Daily Balance Method
Transaction Limitations – Penalties may apply for early withdrawal.
Additional Deposits
Not Allowed
Dividend Withdrawal
Allowed
Renewable
Automatic
Routing Number
211288491
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(207) 854-6000
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