Shared Branches
RATES
Discover the current rates for savings and loans
Savings Rates
Savings Rates effective as of 1/3/2025 & subject to change. Fees may reduce earnings.
APY = Annual Percentage Yield.
APR = Annual Percentage Rate.
High Yield Checking
| Balance | Interest Rate | APY |
|---|---|---|
| 0 - $19,999.99 | 3.00% | 3.04% |
| On balances $20,000 and above | 0.01% | 0.01%-3.04% |
| All balances if qualifications not met | 0.01% | 0.01% |
Qualifications
To earn your rewards, perform following
activities and transactions in your account each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle during the month
- Be enrolled in and receive eDocuments
- Learn more
Checking & Savings
| Account | Min. Balance to Earn Interest | APY |
|---|---|---|
| Basic Checking 1 | $1,000 | 0.05% |
| Youth Savings1 | $5 | 0.10% |
| Membership Share/Trust Savings 1 | $5 | 0.10% |
| Savings Account2 | $5 | 0.10% |
1 Share account rates are shown as Dividend Annual Percentage Yields. The Dividend Rate and Annual Percentage Yield may change at any time as determined by the credit union's Board of Directors. The Dividend Rates and Percentage Yields are the prospective rates and yields that the credit union anticipates paying for the applicable dividend period. Dividends are paid from current income and available earnings after required transfers to reserve at the end of the dividend period.
2 Other Savings and Checking Account rates are shown as Interest Annual Percentage Yields. All savings rates are variable, this means the rate and annual percentage yield may change at any time as determined by the Board of Directors.
Money Market Savings
| Min. Balance to Earn Interest | APY |
|---|---|
| $2,500.00 - $9,999.99 | 0.75% |
| $10,000.00 - $24,999.99 | 1.26% |
| $25,000.00 - $49,999.99 | 1.51% |
| $50,000.00 - $99,999.99 | 1.76% |
| $100,000.00 and over | 2.02% |
Other Savings and Checking Account rates are shown as Interest Annual Percentage Yields. All savings rates are variable, this means the rate and annual percentage yield may change at any time as determined by the Board of Directors.
IRA/Health Savings
| Min. Balance to Earn Interest | APY |
|---|---|
| $25.00 - $2,499.99 | 0.05% |
| $2,500.00 - $9,999.99 | 0.05% |
| $10,000 and over | 0.05% |
IRA and Health Savings Accounts (HSA) are no longer offered for new accounts. Only existing IRA and HSA account plans qualify for the rates displayed. Other Savings and Checking Account rates are shown as Interest Annual Percentage Yields. All savings rates are variable, this means the rate and annual percentage yield may change at any time as determined by the Board of Directors.
| Term | Min. Balance | APY |
|---|---|---|
| 12 Month FlexRate 1,2 | $500.00 | 4.00% |
| 24 Month FlexRate 1,2 | $500.00 | 3.25% |
| 36 Month FlexRate 1,2 | $500.00 | 3.00% |
| 48 Month FlexRate 1,2 | $500.00 | 3.00% |
| 60 Month FlexRate 1,2 | $500.00 | 3.00% |
Certificate rates remain fixed for the term of the certificate. The compounding and crediting frequency of interest is stated in the disclosure of terms. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. IRA and Health Savings Accounts (HSA) Certificates are no longer offered for new accounts. Only existing IRA and HSA plans qualify for the rates displayed. For a complete disclosure of terms, if you have any questions or need current rate information on your accounts, please call (651) 264-0669 or 1-800-229-2848.
1 FlexRate Information: You may request a rate change one time during the life of the Certificate. Your rate will be changed to the current rate offering for an equivalent term, and earnings will be calculated at your new rate from the effective date through the end of your term. The request must be in writing acknowledged by a designated Expedition Credit Union staff member. A replacement Certificate form will not be furnished. The rate change form will serve as an Addendum to the original Certificate. See disclaimers above for disclosures and rate incentive information. This applies to all regular and Roth/IRA/Educational certificates.
2 Certificate terms are not available for Educational certificates.
Loan Rates
Loan Rates effective 9/19/2025
Auto Loans
| Model Year | Term | APR as low as | Payment per $1,000 |
|---|---|---|---|
| 2020 and newer | 36 months | 4.89% | $29.98 |
| 48 months | 5.14% | $23.15 | |
| 60 months | 5.39% | $19.10 | |
| 72 months | 5.64% | $16.45 | |
| 84 months | 6.14% | $14.72 |
* APR is Annual Percentage Rate. Rates are subject to change without
notice.
Rates are based upon credit history and other factors so your actual rate may differ.
Please contact a loan officer for details on how your rate and term is determined.
You can
receive a .25% rate discount with automatic payments.
Other rates are available for used
vehicles 2019 and older with higher mileage.
84 month term available if financing $35,000 or
more.
New or existing membership is required.
Recreation Vehicles, Boats, & Motorcycles
| Model Year | Term | APR as low as | Payment per $1,000 |
|---|---|---|---|
| 2020 and newer | 36 months | 5.24% | $30.14 |
| 48 months | 5.49% | $23.31 | |
| 60 months | 5.99% | $19.38 | |
| 72 months | 6.49% | $16.85 | |
| 120 months | 7.24% | $11.77 | |
| 180 months | 7.49% | $9.30 |
* APR is Annual Percentage Rate. Rates are subject to change without
notice.
Rates are based upon credit history and other factors so your actual rate may differ.
Please contact a loan officer for details on how your rate and term is determined.
You can
receive a .25% rate discount with automatic payments.
Other rates are available for used
recreational collateral 2019 and older.
120 & 180 month terms available if financing
$25,000 or more.
New or existing membership is required.
Personal Loans
| Loan Type | Term | APR as low as* |
|---|---|---|
| Unsecured Signature 1** | Up to 60 months | 10.49% |
| Personal Line of Credit (variable) 2 | 60 months | 11.99% |
| Checking Overdraft LOC (variable) 2 | 60 months | 17.99% |
* APR is Annual Percentage Rate. Rates subject to change without
notice.
** Rates are based upon credit history and other factors so your actual rate may
differ. Please contact a loan officer for details on how your rate and term is
determined.
1 Unsecured Signature Loan PAYMENT EXAMPLE: For every $1,000 borrowed
at 10.49% APR over 3 years, the monthly payment is $32.63.
2 Personal Line of
Credit & Checking Overdraft Line of Credit (LOC) Loans have a variable APR. MINIMUM PAYMENT
EXAMPLE: $25 or $4.00 per $100.00 outstanding balance, whichever is greater. Advances need to be
made in $100 increments.
New or existing membership is required.
Home Equity Loans
| Loan Type | Term | APR as low as* |
|---|---|---|
| Line of Credit (variable)1 | 15 year | 7.25% |
| Second Mortgage (80% LTV)2 | 5 yr balloon (15 yr amortization) | 7.00% |
| Second Mortgage (90% LTV)2 | 5 yr balloon (15 yr amortization) | 7.75% |
* APR is Annual Percentage Rate. Rates are subject to change without
notice.
The rate you receive may be different than the rate above and is based on the
applicant's credit score and property loan-to-value.
Closing cost range is usually
$150-$1,000.
1 Line of Credit is a variable rate that can change quarterly. Annual
fee is $50 (Line of Credit only). Maximum APR is 18%.
2 Second Mortgage PAYMENT
EXAMPLE: For every $1,000 borrowed at 7.00% APR over 15 years the payment is $8.99 per month. This
loan has a five year balloon and 15 year amortization, meaning the loan matures and the balance is
due in five years, however the payment is based on a 15 year term.
Property must be located in
Minnesota and property insurance is required.
New or existing membership is required.
Credit Cards
| Card Type | APR as low as1 |
|---|---|
| Platinum Visa® | 13.15% |
| Platinum Rewards Visa® | 14.24% |