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Savings | Growth Savings | Money Market | Certificates | Auto | Home EquityOther Loans

Rates are effective as of July 1, 2024 and are subject to change.

Checking Learn More

Account Features Rate APY1
Free Checking No Minimum Balance Required 0.01% 0.01%

1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percentage Yield (APY). Fees may reduce earnings. Review our Truth In Saving Disclosure for details.


 

Savings Learn More

Type Features Rate APY1
Tier 1 $100 - $4,999 0.25% 0.25%
Tier 2 $5,000 - $24,999 0.30% 0.30% - 0.30%
Tier 3 $25,000 and above 0.40% 0.40% - 0.40%

1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. The Annual Percentage Yield (APY) shown is paid on balances of $100 or more. Minimum opening deposit is $5. Fees may reduce earnings. Review our Truth In Saving Disclosure for details.

 

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Individual Retirement Account (IRA) Learn More

Type Features Rate APY1
Tier 1 $0 -$19,999 0.15% 0.15%
Tier 2 $20,000 - $49,999 0.20% 0.20%
Tier 3 $50,000 and Above 0.25% 0.25%

1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percentage Yield (APY). Minimum opening deposit is $1,000. Fees may reduce earnings. Review our Truth In Saving Disclosure for details.

 

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Club Savings Learn More

Type Features Rate APY1
Educator's Club2 - Tier 1 $100 - $4,999 0.10% 0.10%
Educator's Club2 - Tier 2 $5,000 and Above 0.10%  0.10%
Holiday Club Maturity date October 1 0.10% 0.10%
Vacation Club Maturity date first of the month, 12 months after start date 0.10% 0.10%

1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percentage Yield (APY). Fees may reduce earnings.

2. APY shown is paid on balances of $100 or more. Review our Truth In Saving Disclosure for details.

 

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Other Savings

Type Rate APY1
Special Savings Rate 0.15% 0.15%
Insurance Savings Rate 0.00% 0.00%

1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percentage Yield (APY). Fees may reduce earnings. Review our Truth In Saving Disclosure for details.

 

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Growth Savings Account Learn More

Type Features Rate APY1
Tier 1 $0 - $999.99 0.01% 0.01%
Tier 2 $1,000 - $99,999.99 3.45% 3.50%
Tier 3 $100,000 - $249,999.99 3.45% 3.50%
Tier 4 $250,000 - $499,999.99 3.45% 3.50%
Tier 5 $500,000 or greater 1.00% 1.00%

 

1. Variable rates accurate as of 7/01/2024 and are subject to be cancelled, extended, or changed without notice. The Annual Percentage Yield (APY) shown is paid on balances of $1,000 or more. Minimum balance to earn dividends is $1,000. Maximum balance is $500,000. For other rates and tiers, visit FirstHarvestCU.com/Rates. Offer valid for funds not currently on deposit with First Harvest Credit Union; you may qualify by depositing an additional $5,000 or more in new money. Contact us for details. Fees may reduce earnings. Review our Truth In Saving Disclosure for details. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance. Membership restrictions apply.

 

 

 

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Progressive Money Market Learn More

Minimum Deposit Rate APY1
$1,500 0.15% 0.15%
$10,000 0.25% 0.25%
$50,000 0.35% 0.35%

1. Variable rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percentage Yield (APY). Progressive Money Market requires a minimum opening deposit and daily balance of $1,500. Fees may reduce earnings. Review our Truth In Saving Disclosure for details.

 

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IRA Share Certificate Learn More

Type Rate APY1
6 Month IRA 3.44% 3.50%
9 Month IRA2 4.88% 5.00%
10 Month IRA 1.24% 1.25%
12 Month IRA 1.24% 1.25%
13 Month IRA 1.24% 1.25%
15 Month IRA3 4.65% 4.75%
18 Month IRA3 4.41% 4.50%
24 Month IRA 1.24% 1.25%
36 Month IRA 1.24% 1.25%
48 Month IRA 1.24% 1.25%
60 Month IRA 2.96% 3.00%
 

1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percentage Yield (APY). Minimum opening deposit is $1,000. Fees may reduce earnings. Review our Certificate Truth In Saving Disclosure for details.

2. Annual Percentage Yield (APY) listed paid on $1,000 minimum balance. APY accurate as of 7/01/2024 and subject to change without notice. Must open with at least $1,000 in new money. Offer valid for funds not currently on deposit with First Harvest Credit Union. Must be a First Harvest Checking Account holder to qualify. First Harvest Credit Union reserves the right to withdraw or revise the special offer at any time without further notice. Certificates will automatically renew at maturity according to the terms stated on your Account & Receipt Disclosures provided at account opening. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Review our Truth-In-Savings Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance. 

3. Annual Percentage Yield (APY) listed paid on $1,000 minimum balance. APY accurate as of 7/01/2024 and subject to change without notice. First Harvest Credit Union reserves the right to withdraw or revise the special offer at any time without further notice. Certificates will automatically renew at maturity according to the terms stated on your Account & Receipt Disclosures provided at account opening. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Institutional funds are not qualified for this offer. Review our Truth-In-Savings Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance. 

 

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Share Certificate Learn More

Type Rate APY1
6 Month 3.44% 3.50%
9 Month2 4.88% 5.00%
10 Month 1.24% 1.25%
12 Month  1.24% 1.25%
13 Month 1.24% 1.25%
15 Month2 4.65% 4.75%
18 Month2 4.41% 4.50%
24 Month 1.24% 1.25%
36 Month 1.24% 1.25%
48 Month 1.24% 1.25%
60 Month 2.96% 3.00%
 
 

1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percentage Yield (APY). Minimum opening deposit is $1,000. Fees may reduce earnings. Review our Certificate Truth In Saving Disclosure for details.

2. Annual Percentage Yield (APY) listed paid on $1,000 minimum balance. APY accurate as of 7/01/2024 and subject to change without notice. Must open with at least $1,000 in new money. Offer valid for funds not currently on deposit with First Harvest Credit Union. Must be a First Harvest Checking Account holder to qualify. First Harvest Credit Union reserves the right to withdraw or revise the special offer at any time without further notice. Certificates will automatically renew at maturity according to the terms stated on your Account & Receipt Disclosures provided at account opening. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Review our Truth-In-Savings Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance. 

3.Annual Percentage Yield (APY) listed paid on $1,000 minimum balance. APY accurate as of 7/01/2024 and subject to change without notice. First Harvest Credit Union reserves the right to withdraw or revise the special offer at any time without further notice. Certificates will automatically renew at maturity according to the terms stated on your Account & Receipt Disclosures provided at account opening. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Institutional funds are not qualified for this offer. Review our Truth-In-Savings Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance.

 

 

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New Auto Loans - Model Year 2024 Learn More

Term Rates as low as*
36 Months

4.99% APR

48 Months

5.24% APR

60 Months

5.74%  APR 

72 Months

5.99% APR

84 Months
(min. $25,000)

6.49% APR

*Annual Percentage Rate (APR) effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. New Auto rates available for 2024 automobile model year with less than 20k miles. Rates for this product are determined by an evaluation of applicant credit, as well as other factors including loan term, collateral mileage and model year, and Loan-To-Value (LTV). Your rate may vary from the rates shown. Sample Monthly Payment: $14.88 for every $1,000 borrowed at 6.49% APR for 84 months with $25,000 loan minimum. Payment example is based on longest term available for illustrative purposes only and does not include Debt Protection or available optional vehicle protection plans. Your payment may be higher. Auto Loan refinance rates available for vehicles not previously financed at First Harvest Credit Union. Membership restrictions apply. Other rates and terms available for model years 2023 and earlier. Contact us for details.

 

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Used Auto Loans - Model Years 2022-2023 Learn More

Term Rates as low as**
36 Months

5.49% APR

48 Months

5.74% APR

60 Months

6.24%  APR 

72 Months

6.49% APR

84 Months
(min. $25,000)

6.99% APR

Used Auto Loans - Model Years 2019-2021 Learn More

Term Rates as low as**
36 Months

5.99% APR

48 Months

6.24% APR

60 Months

6.74%  APR 

72 Months

6.99% APR

84 Months
(min. $25,000)

7.49% APR

Used Auto Loans - Model Years 2015-2018 Learn More

Term Rates as low as**
36 Months

6.49% APR

48 Months

6.74% APR

60 Months

7.24%  APR 

72 Months

7.49% APR

84 Months
(min. $25,000)

7.99% APR

**Annual Percentage Rate (APR) effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Used Auto rates available for automobile model years 2023 and older. Maximum age for purchases is (10) model years (currently 2015) and maximum for refinance is (5) model years (currently 2020). Rates for Used Auto Loans are determined by an evaluation of applicant credit, as well as other factors including loan term, collateral mileage and model year, and Loan-To-Value (LTV). Your rate may vary from the rates shown. Sample Monthly Payment: $15.13 for every $1,000 borrowed at 6.99% APR for 84 months with $25,000 loan minimum. Payment example is based on longest term available for illustrative purposes only and does not include Debt Protection or available optional vehicle protection plans. Your payment may be higher. Auto Loan refinance rates available for vehicles not previously financed at First Harvest Credit Union. Membership restrictions apply.

 

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Fixed-Rate Home Equity Loans Learn More

Term Rates as low as1
60 Months

5.99% APR

72-84 Months

6.49% APR

96-120 Months

6.99%  APR 

132-180 Months

7.49% APR

1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percent Rates (APR) shown is for $200,000 maximum 1st lien loan amount with a maximum 90% LTV and are subject to be cancelled, extended, or changed without notice. APRs are determined by an evaluation of applicant credit, collateral valuations, length of term, loan amount, and other considerations. Your rate may vary from the rates shown. Homeowners Insurance and Flood Insurance, if applicable, is required. Title insurance is required for loans over $100,000. Sample Monthly Payment: $19.39 for every $1,000 borrowed at 5.99% APR at 60 months (90% LTV). If the Home Equity Loan is paid and closed in the first 3 years, the borrower will be responsible for reimbursing First Harvest Credit Union for all third-party costs paid at closing. Offer is subject to cancellation or change without notice.

 

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1st Lien Home Equity Line of Credit (HELOC) Learn More

Loan-To-Value (LTV) Rate as low as2
80% LTV

8.00% APR

81%-90% LTV

9.00% APR

2nd Lien Home Equity Line of Credit (HELOC)

Loan-To-Value (LTV) Rate as low as2
80% LTV

8.00% APR

81%-90% LTV

9.50% APR

2. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Home Equity Lines of Credit (HELOC) are variable-rate lines. Rates based on the current highest Prime Rate as published in the Money Rates Section of the Wall Street Journal. Lowest Annual Percentage Rates (APR) for 80% LTV HELOCs is Prime Rate - 50 basis points.  Lowest APR for 81-90% LTV 1st lien position is Prime Rate + 50 basis points.  Lowest APR for 81-90% LTV 2st lien position is Prime Rate + 100 basis points. The floor APR is 3.50%; maximum APR is 18%. APRs are determined by an evaluation of applicant credit, collateral valuations and other considerations. Your rate may vary from the rates shown. Homeowners Insurance and Flood Insurance, if applicable, is required. Title insurance is required for loans over $100,000. 5 Year Draw Period ($100 Minimum Advance); 15 Year Repayment Period. If the HELOC is paid and closed in the first 3 years, the borrower will be responsible for reimbursing the credit union for all third-party costs paid at closing.

  • Minimum Rate Payment Example: If you took a single $10,000 credit advance at 3.50% APR and made only the monthly payment, it would take you 20 years to pay off your HELOC. During that period, you would make 239 payments of $58.01 and 1 payment of $57.32.

  • Maximum Rate Payment Example: If you took a single $10,000 credit advance at 18.00% APR and made only the monthly payment, it would take you 20 years to pay off your HELOC. During that period, you would make 239 payments of $154.43 and 1 payment of $147.79.

 

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Other Loans

Loan Type Rates as low as* Term
Personal Loans

10.74% APR

11.49% APR

for 36 months

for 60 months

Motorcycle Loans

6.74% APR

6.99% APR

for 60 months

for 72 months (min. $25,000)

*All rates are subject to change.

 

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