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Aspire Rates

About Our Rates

Here at Aspire, we want to help you achieve your financial dreams. The only way we can do that is to get to know you and your financial situation. We have posted our lowest loan rates below. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different term. Your credit score is determined by various factors including your credit and repayment history. You have the opportunity to call us for an analysis of your credit report and score so that we can help you determine the loan that best suits your individual needs and help you save money every month. So, please let us help you reach your financial aspirations.

Ready to apply for your loan now? Click here to apply or call our Loan Experts at 855.MY CU LOAN (855.692.8562).

If you're interested in opening a share certificate or IRA, you'll notice we offer competitive rates. Click here to log in and apply online or call Member Services at 888.322.3732.

New Car Loan Rates Used Car Loan Rates
0 – 60 months: 1.99% APR*  0 – 60 months: 2.99% APR*
61 – 84 months: 2.99% APR* 61 – 72 months: 3.99% APR*

*APR=Annual Percentage Rate. Rates effective as of 12/1/14. Published rate is base rate available for new auto loans for qualified borrowers only, including AutoPay discount. Actual rate based on individual creditworthiness. Rates and terms subject to change at any time. These rates do not apply for refinancing existing Aspire FCU loans.

Need to calculate monthly payments? Use our auto loan calculator.

Signature Loan 9.70% APR*
Holiday Loan Special (offered from 10/1 – 1/31 annually) 9.70% APR*
Vacation Loan Special (offered from 6/1 – 9/30 annually) 9.70% APR*
FlexLine of Credit 10.00% APR*
Share Secured Loan 5.00% APR*
Share Certificate Secured Loan Certificate Rate + 3.00% APR*
Credit Builder Loan 12.00% APR*

*APR=Annual Percentage Rate. Rates effective as of 12/1/14. Published rate is base rate available for qualified borrowers only, including AutoPay discount. Actual rate based on individual creditworthiness. Rates and terms subject to change at any time.

Fixed Home Equity Loan Rates
Fixed 5 years 3.25% APR*
Fixed 10 years 3.75% APR*
Fixed 15 years 4.00% APR*
Home Equity Line of Credit Rates
LTV – 80% or less 3.25% APR*
LTV – 80.01% - 90% 4.25% APR*

*APR=Annual Percentage Rate. Rates effective as of 12/1/14. Published rate is base rate available for qualified borrowers only, including AutoPay discount. Actual rate based on individual creditworthiness. Rates and terms subject to change at any time. These rates do not apply for refinancing existing Aspire FCU loans.

Click here to see sample rates on our interactive mortgage website.

Savings & Checking Minimum Balance Dividend Rate APY*
Member Savings§ $500 - $4,999.99 0.01% 0.01%
  $5,000 - $9,999.99 0.05% 0.05%
  $10,000 - $24,999.99 0.05% 0.05%
  $25,000+ 0.10% 0.10%
Kids Count $0 - $499.99 0.01% 0.01%
  $500 - $4,999.99 0.01% 0.01%
  $5,000 - $9,999.99 0.05% 0.05%
  $10,000 - $24,999.99 0.05% 0.05%
  $25,000+ 0.10% 0.10%
Vacation Club§ $500 - $4,999.99 0.01% 0.01%
  $5,000 - $9,999.99 0.05% 0.05%
  $10,000 - $24,999.99 0.05% 0.05%
  $25,000+ 0.10% 0.10%
Holiday Club None 0.05% 0.05%
Traditional Money Market Account§ $2,000 - $19,999.99 0.05% 0.05%
  $20,000+ 0.25% 0.25%
Premier Advantage Money Market§ $50,000+ 0.80% 0.80%
Kasasa Cash $0.01 - $10,000 0.05% - 1.50%** 0.05% - 1.51%
  $10,000+ 0.05% - 0.25%** 0.05% - 0.25%
Kasasa Saver $0.01 - $10,000 0.51%** 0.51%
  $10,000+ 0.25%** 0.25%

*APY = Annual Percentage Yield. Rates valid as of 12/1/14. Rates are subject to change at any time without notice. Call 888.322.3732 for the most recent rates. Deposits insured up to $250,000 by the NCUA.
§Should the balance fall below the ones listed, the interest rate will become 0.00% APY.
**Annual Percentage Yield (APY) accurate as of 9/1/14. Kasasa Cash rate tiers are as follows: 1.51% APY applies to balances of $0.01 - $10,000 and 0.25% APY applies to balances over $10,000 as long as qualifications are met each qualification cycle. 0.05% APY applies to all balances if qualifications are not met. All balances will earn 0.25% APY - 1.51% APY on all balances as long as qualifications are met. Qualifying transactions must post and clear the Kasasa Cash Account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post and clear to an account from the date the transaction is made. Intra-bank transfers and ATM withdrawals do not count as qualifying ACH transactions. ATM Fee reimbursements (checking account only) up to $10 provided only if qualifications are met within the monthly qualification cycle. Kasasa Saver rate tiers are as follows: 0.51% APY applies to balances of $0.01 - $10,000 and 0.25% APY applies to balances over $10,000 if qualifications are met during the monthly qualification cycle on Kasasa Cash account. 0.05% APY applies to all balances if qualifications are not met on Kasasa Cash account. All balances will earn 0.25% APY - 1.51% APY if qualifications are met on Kasasa Cash. Rates may change after the account is opened. Fees may reduce earnings.

eCertificates** Minimum Balance Dividend Rate APY*
3 Month Certificate $500+ 0.20% 0.20%
6 Month Certificate $500+ 0.45% 0.45%
12 Month Certificate $500+ 0.50% 0.50%
15 Month Certificate $1,000+ 1.25% 1.26%
18 Month Certificate $500+ 0.75% 0.75%
24 Month Certificate $500+ 1.00% 1.00%
36 Month Certificate $500+ 1.10% 1.10%
48 Month Certificate $500+ 1.25% 1.25%
60 Month Certificate $500+ 1.50% 1.51%
Individual Retirement Accounts (IRA) Only
For IRA Certificate rates or to open an IRA Certificate, contact our Member Call Center at 888.322.3732, Option 3.

Rates valid as of 12/1/2014. Subject to change at any time.

*APY = Annual Percentage Yield. Call 888.322.3732 for the most recent rates. A penalty will be imposed for early withdrawal. There is a ten (10) calendar day grace period at maturity. Deposits insured up to $250,000 by the NCUA.
** Rates shown are eCertificate rates for Share Certificates opened online via My CU Online only. Rates for Share Certificates opened at Aspire FCU branches are 0.10% lower than the rates indicated above.
IRA Certificates are not eligible for online rates.

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Important Phone Numbers

Member Call Center 1.888.322.3732

Loan Hotline
1.855.MY CU LOAN 1.855.692.8562

Lost or Stolen Credit Cards: 1.800.449.7728

Lost or Stolen MasterCard Debit Cards: 1.866.820.1072