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RATES
Discover the current rates for savings and loans
Savings Rates
Grow your savings with this 12-Month Certificate Special!
-
Earn 5.40% APY* for 12 months | Available for existing and/or new deposits | $2,500 minimum deposit
See additional certificate terms, options and rates in the Certificate & IRA Certificate table below
*APY = Annual Percentage Yield. APYs effective 2/1/2024 and subject to change or end at any time. Early withdrawal could reduce earnings. $5 Membership Share Account required. At maturity, certificate will automatically renew as a 12-month FlexRate Certificate, if not cashed in. Federally insured by NCUA and additional private deposit insurance provided through Excess Share Insurance (ESI) Corporation.
Explore details
Savings Rates effective as of 2/1/2024 and 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
- Be enrolled and receive eStatement notice
- Be enrolled and log into Online Banking
- 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.
Certificates & IRA Certificates
Grow your savings with this 12-Month Certificate Special!
-
Earn 5.40% APY* for 12 months | Available for existing and/or new deposits | $2,500 minimum deposit
See additional certificate terms, options and rates in the Certificate & IRA Certificate table below
*APY = Annual Percentage Yield. APYs effective 2/1/2024 and subject to change or end at any time. Early withdrawal could reduce earnings. $5 Membership Share Account required. At maturity, certificate will automatically renew as a 12-month FlexRate Certificate, if not cashed in. Federally insured by NCUA and additional private deposit insurance provided through Excess Share Insurance (ESI) Corporation.
| Term | Min. Balance | APY |
|---|---|---|
| 12 Month FlexRate 1,2 | $500.00 | 3.80% |
| 24 Month FlexRate 1,2 | $500.00 | 3.03% |
| 36 Month FlexRate 1 | $500.00 | 3.03% |
| 48 Month FlexRate 1,2 | $500.00 | 2.78% |
| 60 Month FlexRate 1,2 | $500.00 | 2.78% |
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 CU 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 1/2/2024
APR = Annual Percentage Rate. APR shown are "as low
as"1.
Calculate Your Payment
AUTO LOANS
| Model Year | Term | APR as low as1,2 | Payment per $1,000 |
|---|---|---|---|
| 2019 and newer | 36 months | 5.74% | $30.38 |
| 48 months | 6.24% | $23.66 | |
| 60 months | 6.49% | $19.62 | |
| 72 months | 6.74% | $16.98 | |
| 84 months | 6.99% | $15.14 |
RECREATION VEHICLES, BOATS, and MOTORCYCLES
| Model Year | Term | APR as low as1 | Payment per $1,000 |
|---|---|---|---|
| 2019 and newer | 36 months | 5.99% | $30.50 |
| 48 months | 6.24% | $23.66 | |
| 60 months | 6.74% | $19.74 | |
| 72 months | 6.99% | $17.10 | |
| 120 months | 7.74% | $12.04 | |
| 180 months | 7.99% | $9.59 |
PERSONAL LOANS
| Loan Type | Term | APR as low as1 |
|---|---|---|
| Unsecured Signature 1,3 | Up to 60 months | 10.74% |
1 APR = Annual Percentage Rate. The rate you receive may be
different than the rate above and is based on the applicant's credit and repayment history,
length of repayment period and down payment. Please ask us for the rate for which you
qualify.
2 Vehicle Rates shown are for collateral financed at NADA trade value,
for vehicles 150,000 miles or less. Other rates are available for used vehicles with higher
mileage and older model years. 84 month term available if financing $35,000 or
more.
3 Unsecured Signature Loan PAYMENT EXAMPLE: For every $1,000 borrowed at
10.74% APR over 2 years, the monthly payment is $46.70.
HOME EQUITY LOANS
| Loan Type | Term | APR as low as1 |
|---|---|---|
| Line of Credit (variable)1 | 15 year | 8.50% |
| Second Mortgage (80% LTV)2 | 5 yr balloon (15 yr amortization) | 7.50% |
| Second Mortgage (90% LTV)2 | 5 yr balloon (15 yr amortization) | 8.25% |
1 APR = Annual Percentage Rate. The rate you receive may be
different than the rate above and is based on the applicant's credit, repayment history and
length of repayment. Closing cost range is usually $150-$600. Annual fee is $50 (Line of Credit
only). Maximum APR is 18%. Property must be located in Minnesota and property insurance is
required.
2 Second Mortgage PAYMENT EXAMPLE: For every $1,000 borrowed at 7.50% APR
over 15 years the payment is $9.31 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.
CREDIT CARDS
| Card Type | APR as low as1 |
|---|---|
| Platinum Visa® | 13.90% |
| Platinum Rewards Visa® | 14.99% |