SAVINGS & LOAN RATES
Whether you’re in the market for a new car or want to earn dividends on your savings, we’ve got you covered with great rates, flexible terms, and a variety of savings and loan options. Contact us about opening a Quantum Credit Union account today.
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AUTO LOAN RATESOpen or Close
Model YearTerm (Months)APR as low as*2024-2014485.99%2024-2014606.25%2024-2014726.50%2024-2014847.25%Model YearTerm (Months)APR as low as*2024-2014485.99%2024-2014606.25%2024-2014726.50%RV, CAMPER & TRAVEL TRAILER LOANS (MAX FINANCE $35K)
Model YearTerm (Months)APR as low as*2024-2014487.75%2024-2014608.00%2024-2014728.25%2024-2014848.50%Model YearTerm (Months)APR as low as*2024-2014488.25%2024-2014608.50%2024-2014728.75%2024-2014849.00%*Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers.
Rates and terms subject to change without notice. 9/23/2024. -
SAVINGS ACCOUNT RATESOpen or Close
SAVINGS ACCOUNT RATES
Account TypeMinimum Deposit RequiredAPY*Dividend Rate$5,000 - $49,9990.20%0.20%Over $50,0000.30%0.30%Kid's Account - SavingsMinimum $5 required0.05%0.05%*Annual Percentage Yield (APY) will vary based on average deposit balance and length of time on deposit. Minimum balance may be required. Effective 9/28/2020.
Declared Dividends for Savings and Checking – 9/28/2020.
IRA & SHARE CERTIFICATE (CD) RATES
TermMinimum Deposit RequiredAPY*3 MonthsDividend paid at maturity; 30-day penalty for early withdrawal0.30%6 MonthsDividend paid at maturity; 60-day penalty for early withdrawal0.40%11 MonthsDividend paid at maturity; 90-day penalty for early withdrawal3.75%12 MonthsDividend paid quarterly; 90-day penalty for early withdrawal0.70%18 MonthsDividend paid quarterly; 90-day penalty for early withdrawal0.75%22 MonthsDividend paid quarterly; 120-day penalty for early withdrawal3.25%24 MonthsDividend paid quarterly; 120-day penalty for early withdrawal1.00%36 MonthsDividend paid annually; 180-day penalty for early withdrawal1.25%60 MonthsDividend paid annually; 360-day penalty for early withdrawal1.50%NOTE: Penalty for early withdrawal applies to all Certificates.
*Annual Percentage Yield. Rates subject to change without notice. Current Certificates rates effective 6/2/25.
Fees could reduce earnings. Rates and balance tiers for savings, CDs, and Retirement CDs are applicable as of the effective date, and may change at our discretion.
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HOME LOAN RATESOpen or Close
MORTGAGE LOANS
Product TypeTerm (Months)APR as low as*606.25%846.75%1807.25%2407.50%*Rates and terms subject to change without notice. 3/13/2024
*Annual Percentage Rate is variable and is subject to change quarterly based on the Wall Street Journal Prime plus or minus a margin and the Loan to Value. The floor rate is 6.00%. Maximum APR during the life of the loan is 18.00%. Limited to owner occupied properties. Other restrictions and limitations may apply.
HELOC: Annual Percentage Rate is variable and is subject to change quarterly based on the Wall Street Journal Prime Plus or minus a margin and the Loan to Value. The floor rate is 3.25% APR. Maximum APR during the life of the loans is 18.00% APR. Appraisal is required with a fee range from $250-$500. For a limited time, Quantum will waive your closing costs for the following fees: title insurance, recording fees, and flood certification. Limited to owner-occupied properties. Other restrictions, fees and limitations may apply. All loans are subject to approval. -
PERSONAL LOAN RATESOpen or Close
PERSONAL LOAN RATES
Product TypeTerm (Months)APR as low as***127.99%248.99%4810.99%6011.99%***Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers. Rates and terms subject to change without notice. 3/13/2024.
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VISA CREDIT CARDOpen or Close
VISA CREDIT CARD RATES
Product TypeAPR as low as*Classic9.90% to 12.90%Shared Secure12.00%Click here to view our Visa Disclosure *Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers. Rates and terms subject to change without notice. 10/16/2017.
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SHARE/CD SECURED LOAN RATESOpen or Close
SHARE/CD SECURED LOAN RATES
Product TypeAPR as low as*3.00% above current dividend being paid*Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers. Rates and terms subject to change without notice. 10/16/2017.
Fees could reduce earnings. Rates and balance tiers for CDs and Retirement CDs are applicable as of the effective date, and may change at our discretion. -
CHECKING ACCOUNT RATESOpen or Close
CHECKING ACCOUNT RATES
Account TypeMinimum Deposit RequiredAPY*Dividend RateFees could reduce earnings. Rates and balance tiers for checking accounts are applicable as of the effective date, and may change at our discretion.
*Annual Percentage Yield (APY) will vary based on average deposit balance and length of time on deposit. Minimum balance may be required. Effective 4/1/2017.Declared Dividends for Savings and Checking – 4/1/2017.
