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Rates

All rates are current as of October 1, 2019 and may be subject to change without notice.

*APY=Annual Percentage Yield
**Penalty for early withdrawal or too many withdrawals may apply.
  • Product
    Amount to Open / Balance Range
    APY*
  • $0 - $2,499.99
    0.10%
  • $2,500.00 - 9,999.99
    0.10%
  • $10,000 +
    0.20%
*APY=Annual Percentage Yield
  • Amount to Open / Balance Range
    APY*
  • $1.00 - $2,499.99
    0.10%
  • $2,500.00 - 9,999.99
    0.10%
  • $10,000.00 - 19,999.99
    0.15%
  • $20,000.00 - 49,999.99
    0.20%
  • $50,000.00 +
    0.30%
*APY=Annual Percentage Yield

Certificate of Deposit (CD) Account & Traditional or Roth IRA CD Accounts

  • Amount to Open / Balance Range
    Term
    APY*
  • $500 - $49,999
    6 - 11 months
    1.65%
  • $500 - $49,999
    12 - 17 months
    1.75%
  • $500 - $49,999
    18 - 23 months
    1.75%
  • $500 - $49,999
    24 - 35 months
    1.85%
  • $500 - $49,999
    36 - 47 months
    1.95%
  • $500 - $49,999
    48 - 59 months
    2.00%
  • $500 - $49,999
    60 - 72 months
    2.10%
  • $50,000 +
    6 - 11 months
    1.75%
  • $50,000 +
    12 - 17 months
    1.85%
  • $50,000 +
    18 - 23 months
    1.85%
  • $50,000 +
    24 - 35 months
    1.95%
  • $50,000 +
    36 - 47 months
    2.05%
  • $50,000 +
    48 - 59 months
    2.10%
  • $50,000 +
    60 - 72 months
    2.20%
APY = Annual Percentage Yield. Interest is compounded and credited monthly. Early withdrawal penalties may apply. Withdrawals and fees may reduce earnings. If a CD product is redeemed prior to the date of maturity, the penalty assessed is 90 days of interest. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed APY. You will earn dividends for every day during the period that your account equals or exceeds the minimum daily balance requirement. The APY assumes dividends will remain on deposit until maturity.
  • Term
    APY*
  • $0 - $2,500
    0.10%
  • $2,500 - $10,000
    0.40%
  • $10,000 - $20,000
    0.50%
  • $20,000 - $50,000
    0.60%
  • $50,000 - $90,000
    0.80%
  • > $90,000
    1.00%
*APY=Annual Percentage Yield. The balances set forth above are the minimum opening balances required to earn the APY. Once a balance tier has been met, the APY for that tier will apply to the entire account balance. Fees could reduce earnings.

Checking Accounts

*APY=Annual Percentage Yield. Other checking account fees could reduce earnings.

Sooper Cash Checking Account

  • Amount to Open / Balance Range
    APY*
  • 2.25%
  • 0.50%
  • All balances if qualifications not met
    0.05%
To earn rewards, each monthly qualification cycle:
- Have at least 15 debit card purchases post and settle
- Be enrolled and receive eStatement
- Deposit at least $500 via Direct Deposit/ACH transactions into your account during the qualification cycle**
*APY=Annual Percentage Yield. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 2.25%; and (3) balances over $15,000 earn 0.50% interest rate on portion of balance over $15,000. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. ATM-processed transactions do not count toward qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. Other checking account fees could reduce earnings.
**$500 minimum can be met with one or multiple transactions.

Sooper Cash Back Checking Account

  • Amount to Open / Balance Range
    Cash Back
  • $0
    Get 3% cash back on debit card purchases (up to $9 monthly)*
To earn rewards, each monthly qualification cycle:
- Have at least 15 debit card purchases post and settle
- Be enrolled and receive eStatement
- Deposit at least $500 via Direct Deposit/ACH transactions into your account during the qualification cycle**
When monthly qualifications are met, you receive 3% cash back on debit card purchases that post and settle to account during monthly qualification cycle up to a total cash back amount of $9 per monthly qualification cycle. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) if qualifications are met within monthly qualification cycle. Limit one account per SSN. Other checking account fees could reduce earnings.
**$500 minimum can be met with one or multiple transactions.

All rates are current as of October 1, 2019 and may be subject to change without notice.

*APR=Annual Percentage Rate. Sooper Credit Union uses credit-based pricing. The rate you pay depends upon your credit history. All applications are subject to credit qualification.
^Lowest auto loan rate is available for existing members only.
**During the life of the loan, the maximum APR could be 18%. The estimated aggregate of credit union and third party fees is $95.25 to $1,600. Interest may be tax deductible. Consult your tax advisor.
**The rate is a variable rate (prime + 4%). The credit union may offer other rates in the future.
~To see full disclosures click here.
Auto Loans: For example, on a new car loan for $10,000 at 5% APR for 60 months, you would make 60 payments of $188.68.
Licensed Recreational Vehicles: For example, on a new licensed recreational vehicle loan for $15,000 at 12% APR for 48 months, you would make 48 payments of $394.84. Non-Licensed Recreational Vehicles: For example, on a new non-licensed recreational vehicle loan for $8,000 at 15% APR for 36 months, you make 36 payments of $277.18.

All rates are current as of October 1, 2019 and may be subject to change without notice.

  • Amount to Open / Balance Range
    APY*
  • $5
    0.10%
*APY=Annual Percentage Yield

Business Certificate of Deposit Account (CD)

APY = Annual Percentage Yield. Interest is compounded and credited monthly. Early withdrawal penalties may apply. Withdrawals and fees may reduce earnings. If a CD product is redeemed prior to the date of maturity, the penalty assessed is 90 days of interest. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed APY. You will earn dividends for every day during the period that your account equals or exceeds the minimum daily balance requirement. The APY assumes dividends will remain on deposit until maturity.
*APY=Annual Percentage Yield. The balances set forth above are the minimum opening balances required to earn the APY. Once a balance tier has been met, the APY for that tier will apply to the entire account balance. Fees could reduce earnings.

Business Checking Accounts

*APY=Annual Percentage Yield. Other checking account fees could reduce earnings.

At Sooper Credit Union, we are committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all users. If you are using a screen reader or other auxiliary aid and you encounter difficulties using the website, please contact us at (303) 427-5005 or (888) SOOPER1 for additional assistance. Products and services available on this website are available at our corporate office located at 5005 West 60th Ave Arvada, CO 80003.

Sooper Credit Union Copyright © 2019

Insured by NCUA | Excess Share Insurance | Equal Housing Opportunity | NMLS#: 422866

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