Deposits federally insured to at least $250,000 by the National Credit Union Administration.
Rates effective as of January 14, 2026 and are subject to change without notice.
Deposit Rates
Shield Checking Learn More
| Minimum Balance to Earn APY | Rate | APY |
|---|---|---|
| $0 - $15,000 with requirements met | 3.93% | 4.00% |
| $15,000.01 or greater | 0.07% | 0.07% |
| No Requirements Met | 0.07% | 0.07% |
The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Shield Checking account is a tiered rate account. If your average daily balance is $15,000.00 or below and you meet all of the following requirements, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply: 1) you complete at least 8 debit card transactions each statement period; and 2) maintain an average daily balance greater than $3,500.00. The second dividend rate and range of annual percentage yield listed for this account will apply to any balances above the initial $15,000.00. Each rate will apply only to that portion of the account balance within each balance range. For example: if you have a balance of $16,000.00, you will earn the first dividend rate on $15,000.00 and the second dividend rate on $1,000.00. If you do not meet the requirements to earn the premium dividend rate, the third dividend rate and annual percentage yield listed for this account will apply to the entire balance in the account. Rates are subject to change without notice. There is a $5 per month service fee for Shield Checking account. Fees could reduce the earnings on the account.
Checking Accounts
| Account | Minimum Balance | Rate | APY |
|---|---|---|---|
| Elite Checking | $2,000 or greater | 0.50% | 0.50% |
| Elite Checking | $0 - $1,999.99 | 0.15% | 0.15% |
| Advantage 50 Checking | $0 | 0.07% | 0.07% |
| Performance Checking | $0 | 0.07% | 0.07% |
| Health Savings Account (HSA) | $0 | 0.01% | 0.01% |
The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. The Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly. Transaction items include all debits and credits. Rates are subject to change without notice. $10 Minimum opening deposit.
A $7.50/month fee if the balance falls below $2,000 for the Elite Checking Account. Fees could reduce the earnings on the account.
Health Savings accounts are subject to limitations and/or penalties by the Internal Revenue Service.
Savings Accounts Learn More
| Account | Minimum Balance to Earn APY | Rate | APY |
|---|---|---|---|
| Shield Money Market1 | $250,000.01 or greater | 3.93% | 4.00% |
| Shield Money Market1 | $100,000.01 - $250,000 | 3.45% | 3.50% |
| Shield Money Market1 | $50,000.01 - $100,000 | 1.74% | 1.75% |
| Shield Money Market1 | $0 - $50,000 | 1.24% | 1.25% |
| Shield Money Market Standard1 | $0 | 0.01% | 0.01% |
| Emerald Money Market | $250,000.00 or greater | 3.20% | 3.25% |
| Emerald Money Market | $0.00 - $249,999.99 | .01% | .01% |
| Platinum Money Market Savings | $100,000 | 2.96% | 3.00% |
| Gold Money Market Savings | $50,000 | 1.24% | 1.25% |
| Membership Savings | $100 | 0.01% | 0.01% |
| Special Savings | $0 | 0.01% | 0.01% |
| Christmas Club | $0 | 0.01% | 0.01% |
The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Rates are subject to change without notice.
1A member must have a Shield Checking Account to be eligible to open the Shield Money Market Account. For Shield Money Market Accounts, if you meet the requirements for the Shield Checking Account, the first dividend rate (or higher yield) and annual percentage yield will apply to the entire balance in the Shield Money Market Account. The qualifications for the member’s Shield Checking Account are: (1) complete at least 8 debit card transactions each statement period, and (2) maintain an average daily balance greater than $3,500.00. If you do not meet the requirements, the standard dividend and annual percentage yield listed for the Shield Money Market Account will apply to the entire balance. The balance method used to calculate the interest for the Shield Money Market Account is the Daily Balance Method.
Business Saving Accounts Learn More
| Account | Minimum Balance to Earn APY | Rate | APY |
|---|---|---|---|
| Emerald Money Market | $500,000 | 3.44% | 3.50% |
| Platinum Money Market Savings | $250,000 | 3.20% | 3.25% |
| Gold Money Market Savings | $50,000 | 1.24% | 1.25% |
| Membership Savings | $100 | 0.01% | 0.01% |
| Business Momentum | $50,000 - $249,999.99 | 1.24% | 1.25% |
| Business Momentum | $250,000 - $499,999.99 | 2.96% | 3.00% |
| Business Momentum | $500,000 or more | 3.45% | 3.50% |
The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Rates are subject to change without notice.
Free Business Checking
| Minimum Balance | Rate | APY |
|---|---|---|
| None | 0.00% | 0.00% |
Business Dividend Checking
| Minimum Balance | Rate | APY |
|---|---|---|
| $5,000 | 0.25% | 0.25% |
The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. The Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly. Minimum daily balance of $5,000.00 required to avoid a monthly service fee of $10.00. Transaction items include all debits and credits. Rates are subject to change without notice. $10 Minimum opening deposit.
Certificates Learn More
| Term | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| 5 Month Special | $200 | 3.93% | 4.00% |
| 6 Month | $200 | 3.54% | 3.60% |
| 14 Month | $200 | 3.45% | 3.50% |
| 12 Month | $200 | 3.45% | 3.50% |
| 18 Month | $200 | 3.20% | 3.25% |
| 3 Year | $200 | 3.20% | 3.25% |
| 30 Month | $200 | 3.20% | 3.25% |
| 2 Year | $200 | 3.20% | 3.25% |
| 4 Year | $200 | 3.20% | 3.25% |
| 5 Year | $200 | 3.20% | 3.25% |
| 6 Year | $200 | 3.20% | 3.25% |
| 30 Day | $200 | 1.00% | 1.00% |
The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. The Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly. Penalty for early withdrawal. Fees may reduce earnings. Minimum $200.00 deposit. Rates are subject to change without notice.
Step Up Certificates Learn More
| Term | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| 18 Month | $200 | 3.20% | 3.25% |
| 3 Year | $200 | 3.20% | 3.25% |
| 30 Month | $200 | 2.96% | 3.00% |
| 4 Year | $200 | 2.96% | 3.00% |
| 5 Year | $200 | 2.96% | 3.00% |
| 6 Year | $200 | 2.96% | 3.00% |
The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. The Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly. Penalty for early withdrawal. Fees may reduce earnings. Minimum $200.00 deposit. Rates are subject to change without notice.
Business Step Up Certificates Learn More
| Term | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| 1 Year | $1,000 | 3.93% | 4.00% |
| 2 Year | $1,000 | 3.83% | 3.90% |
| 6 Month | $1,000 | 3.54% | 3.60% |
| 18 Month | $1,000 | 3.20% | 3.25% |
The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. The Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly. Penalty for early withdrawal. Fees may reduce earnings. Minimum $1000.00 deposit. Rates are subject to change without notice.
IRA Savings Learn More
| Account | Minimum Balance | Rate | APY |
|---|---|---|---|
| IRA Financial Management Account | $100,000.01 or greater | 1.00% | 1.00% |
| IRA Financial Management Account | $50,000.01 - $100,000 | 0.85% | 0.85% |
| IRA Financial Management Account | $25,000.01 - $50,000 | 0.75% | 0.75% |
| IRA Financial Management Account | $10,000.01 - $25,000 | 0.50% | 0.50% |
| IRA Financial Management Account | $2,000 - $10,000 | 0.25% | 0.25% |
| IRA Savings | $0 | 0.01% | 0.01% |
| IRA Money Market Savings | $0 | 0.05% | 0.05% |
The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. IRA Savings, IRA Money Market, and IRA Financial Management, accounts are subject to limitations and/or penalties by the Internal Revenue Service. Rates are subject to change without notice.
IRA Certificates Learn More
| Term | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| 5 Month Special | $200 | 3.93% | 4.00% |
| 6 Month | $200 | 3.54% | 3.60% |
| 1 Year | $200 | 3.45% | 3.50% |
| 14 Month | $200 | 3.45% | 3.50% |
| 18 Month | $200 | 3.20% | 3.25% |
| 2 Year | $200 | 3.20% | 3.25% |
| 30 Month | $200 | 3.20% | 3.25% |
| 3 Year | $200 | 3.20% | 3.25% |
| 4 Year | $200 | 3.20% | 3.25% |
| 5 Year | $200 | 3.20% | 3.25% |
| 6 Year | $200 | 3.20% | 3.25% |
The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. The Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly. Penalty for early withdrawal. Fees may reduce earnings. Minimum $200.00 deposit. Rates are subject to change without notice.
IRA Step Up Certificates Learn More
| Term | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| 18 Month | $200 | 3.20% | 3.25% |
| 3 Year | $200 | 3.20% | 3.25% |
| 30 Month | $200 | 2.96% | 3.00% |
| 4 Year | $200 | 2.96% | 3.00% |
| 5 Year | $200 | 2.96% | 3.00% |
| 6 Year | $200 | 2.96% | 3.00% |
The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. The Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly. Penalty for early withdrawal. Fees may reduce earnings. Minimum $200.00 deposit. Rates are subject to change without notice.
Financial Management Account Learn More
| Account | Minimum Balance to Earn APY | Dividend Rate | APY Annual Percentage Yield |
|---|---|---|---|
| Financial Management Account | $100,000.01 or greater | 1.00% |
1.00% |
| Financial Management Account | $50,000.01 - $100,000 | 0.85% | 0.85% |
| Financial Management Account | $25,000.01 - $50,000 | 0.75% | 0.75% |
| Financial Management Account | $10,000.01 - $25,000 | 0.50% | 0.50% |
| Financial Management Account | $2,000 - $10,000 | 0.25% | 0.25% |
The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Rates may vary and fees may reduce earnings. Rates are subject to change without notice.
Loan Rates
Mortgage Rates Learn More
| Type | Rate | APR |
| 10 Year Fixed Rate | 5.625% | 5.946% |
| 15 Year Fixed Rate | 5.500% | 5.725% |
| 20 Year Fixed Rate | 5.750% | 5.931% |
30 Year Fixed Rate |
5.990% |
6.128% |
| 100% Financing 30 Year Fixed Rate | 6.250% | 6.391% |
| No Closing Cost - 15 Year Fixed Rate | 5.750% | 5.978% |
| No Closing Cost - 20 Year Fixed Rate | 6.000% | 6.184% |
| No Closing Cost - 30 Year Fixed Rate | 6.250% | 6.391% |
| No Closing Cost - 100% Financing 30 Year Fixed Rate | 6.500% | 6.644% |
| Retirement Ready - 5 Year Fixed Rate | 4.990% | 5.582% |
| Retirement Ready - 10 Year Fixed Rate | 5.125% | 5.439% |
| FHA - 15 Year Fixed Rate | 5.625% | 6.375% |
| FHA - 30 Year Fixed Rate | 6.250% | 6.781% |
| No Closing Cost - FHA 15 Year Fixed Rate | 5.875% | 6.631% |
| No Closing Cost - FHA 30 Year Fixed Rate | 6.500% | 7.038% |
| Adjustable Rate Program - 3/6 ARM Rate may be increased after closing |
6.000% | 6.488% |
| Adjustable Rate Program - 5/6 ARM Rate may be increased after closing |
6.125% | 6.468% |
| Adjustable Rate Program - 7/6 ARM Rate may be increased after closing |
6.250% | 6.487% |
| No Closing Cost - Adjustable Rate Program - 3/6 ARM Rate may be increased after closing |
6.250% | 6.553% |
| No Closing Cost - Adjustable Rate Program - 5/6 ARM Rate may be increased after closing |
6.375% | 6.568% |
| No Closing Cost - Adjustable Rate Program - 7/6 ARM Rate may be increased after closing |
6.500% | 6.618% |
| Construction to Perm - 30 Year Fixed Rate | 6.250% | 6.391% |
| Land Loan | 7.250% | 7.597% |
Annual Percentage Rate (APR). Please note that the interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.
Rate as low as 5.99%, with 6.13% Annual Percentage Rate (APR) for a 30-Year Fixed-Rate Mortgage. Other fixed-rate terms are available at different APRs. APR is based on creditworthiness, loan amount, term, and other underwriting factors. Not all borrowers will qualify. Rates are subject to change without notice. No lender closing costs. Third-party fees may apply, including appraisal fees if required. Property value will be determined using available tax assessment records; if the tax assessment is unavailable or insufficient, an appraisal may be required at the borrower’s expense. Offer subject to membership eligibility, credit approval, and underwriting requirements. Not all borrowers will qualify for the lowest rate. This offer may be withdrawn at any time. Federally insured by NCUA.
Rates effective as of January 14, 2026 and are subject to change without notice.
New Vehicle Purchase Rates (2026) Learn More
| Term | APR |
|---|---|
| 36 months or less | 4.99% |
| 37-48 months | 5.24% |
| 49 - 60 months | 5.49% |
| 61 - 72 months | 5.74% |
| 73 - 84 months | 6.24% |
Annual Percentage Rate (APR). Loan to Value and credit restrictions apply for rates listed above and are subject to change without notice. 2026-2025 vehicles will only be considered new if it has never been titled or if purchased in the last 45 days and has less than 7,500 miles. 73-84 Month Term Requires Minimum $25,000.00 Loan Amount.
Rates for vehicle refinancing may be different. Rates listed are subject to credit approval. Please contact a Lending Expert for more details at (800) 826-5465.
Used Vehicle Purchase Rates (2026 - 2021) Learn More
| Term | APR |
|---|---|
| 36 months or less | 4.99% |
| 37-48 months | 5.24% |
| 49 - 60 months | 5.49% |
| 61 - 72 months | 5.74% |
| 73 - 84 months | 6.24% |
Annual Percentage Rate (APR). Loan to Value and credit restrictions apply for rates listed above and are subject to change without notice. Terms over 72 months require $25,000 minimum loan amount, and vehicle must be 2020 or newer.
Rates for vehicle refinancing may be different. Rates listed are subject to credit approval. Please contact a Lending Expert for more details at (800) 826-5465.
Used Vehicle Purchase Rates (2020 - 2018) Learn More
| Term | APR |
|---|---|
| 36 months or less | 5.49% |
| 37-48 months | 5.74% |
| 49 - 60 months | 5.99% |
| 61 - 72 months | 6.24% |
Annual Percentage Rate (APR). Loan to Value and credit restrictions apply for rates listed above and are subject to change without notice. Terms over 61 months require $15,000 minimum loan amount, and vehicle must be 2017 or newer.
Rates for vehicle refinancing may be different. Rates listed are subject to credit approval. Please contact a Lending Expert for more details at (800) 826-5465.
Used Vehicle Purchase Rates (2017 and older) Learn More
| Term | APR |
|---|---|
| 48 months or less | 6.24% |
| 49 - 60 months | 6.49% |
Annual Percentage Rate (APR). Loan to Value and credit restrictions apply for rates listed above and are subject to change without notice. Used Vehicles 2016 and older have a maximum term of 60 months.
Rates for vehicle refinancing may be different. Rates listed are subject to credit approval. Please contact a Lending Expert for more details at (800) 826-5465.
Motorcycles and Recreational Vehicle Purchase
| Type | Term | APR |
|---|---|---|
| New Motorcycles | 60 months or less | 6.75% |
| New Motorcycles | 61 - 66 months | 7.00% |
| New Motorcycles | 67 - 72 months | 7.25% |
| Used Motorcycles | 60 months or less | 7.50% |
| New Recreational Vehicles (Motorhomes, Campers, Boats) | 60 months or less | 6.75% |
| New Recreational Vehicles (Motorhomes, Campers, Boats) | 61 - 84 months | 7.00% |
| Used Recreational Vehicles (Motorhomes, Campers, Boats) | 60 months or less | 7.25% |
| Used Recreational Vehicles (Motorhomes, Campers, Boats) | 61 - 84 months | 7.50% |
| ATVs, Trailers & Other Toys | 60 months or less | 8.75% |
Annual Percentage Rate (APR). Loan to value and credit restrictions apply for rates listed above and are subject to change without notice. Rates listed are subject to credit approval.
Visa® Credit Cards Learn More
| Card Type | Revolving Rate |
|---|---|
| Business Visa Rewards3 | 16.99% - 17.99%2 |
| Platinum Visa | 16.99% - 17.99%1 |
| Visa Global Good | 16.99% - 17.99%1 |
| Platinum Visa Rewards3 | 16.99%1 |
| Share Secured Platinum Visa | 17.99%1 |
1Annual Percentage Rate. The Introductory APR offer is only available for new Platinum Visa, Platinum Visa Rewards, and Global Good Visa accounts. The Introductory APR applies to purchases, balance transfers, and cash advances posted to your account during the first 7 billing cycles. Rates adjust to the contract APR (currently 16.99% - 17.99%) after the introductory period. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply. Signed application and proof of income required. Full terms and conditions of the account available upon approval.
2 Annual Percentage Rate. Cash advance fees of $5, or 4% of the amount of each cash advance will apply, whichever is greater. Foreign transaction fees of 0.80% for each single currency transaction in U.S. Dollars, and – 1.0% of each multiple currently transaction in U.S. Dollars will apply. No annual fee. Signed application, obtain credit report to evaluate the applicants creditworthiness, and proof of income required. Full terms and conditions of the account available upon approval. Rates adjust to the contract APR (currently 16.99% - 17.99%). Rates subject to credit worthiness.
3Earn one (1) point for every $1.00 in net purchases made with the Platinum Visa Rewards and Business Visa Rewards Credit Card. No points will be earned for cash advances including convenience checks or for balance transfers. Minimum redemption is $25.00. Reward points may be redeemed any time a user has accumulated enough points for a redemption option. Rewards points will be deducted for returned purchases at the same rate they are earned. Credit rewards points not redeemed will expire after 5 years. Reward points may be redeemed online by logging into rewards.inovafederal.org; in person by visiting the nearest INOVA branch location; by calling 800-826-5465; or by sending a written request to INOVA Federal Member Services Department, P.O. Box 1148, Elkhart, Indiana 46516. Rewards program subject to change at any time.
Personal Loans Learn More
| Type | Term | APR |
|---|---|---|
| Signature Loans1 | 0 - 48 months | 14.99% |
| Revolving Line of Credit2 | n/a | 15.99% |
1Annual Percentage Rate (APR). Rates are based on evaluation of credit history so the rate may differ. Rates are subject to change without notice.
2There is a LOC advance fee of $5.00 per transfer.
Home Equity Loans Learn More
| Type | Revolving Line |
|---|---|
| Powerhouse Prime + zero 4.00% floor | 6.75% |
Annual Percentage Rate (APR). Rates are based on evaluation of credit history so rate may differ.
A Home Equity Line of Credit (HELOC) is a variable rate product. APR adjusts quarterly based on the Prime Rate as published in the Wall Street Journal. Value of your home is determined by estimating the appreciation value of your property since the opening date of your mortgage. The estimated value of your home and Available Home Equity Line amount may change based on the application date. A free current Automated Evaluation Method or assessed value will be obtained on the application date to finalize Line Amount. This value, less any outstanding mortgage loan balances, will be used to determine available equity. Combined Loan to Value (LTV) not to exceed 100%. Maximum Credit limit $250,000. No closing costs for 2nd lien position. Minimum Monthly Payment is 1% of loan balance or $50.00, whichever is greater, during the draw period. Draw period ends 5 years from date of closing. At the end of the draw period we will recalculate your payment. Your payment will be reset to pay the balance at the end of the draw period, at the current annual percentage rate, over 120 monthly payments. Offer subject to credit approval. Primary residences only. Not available in all states. Not available for manufactured homes. Property insurance is required. Flood insurance may be required. Payment does not include taxes or insurance.
