Compare current credit union rates from MyUSA Credit Union for auto loans, home loans, HELOCs, personal loans, credit cards, savings accounts, certificates, checking accounts, and IRAs.
As an affordable, trusted, local credit union serving Southwest Ohio, MyUSA offers competitive rates designed to help you save money, manage your borrowing costs, and reach your financial goals. Explore our current loan and deposit rates below, then contact us if you have questions about which option may be right for you.
Rates subject to change without notice and effective as of:
Explore MyUSA Credit Union Current Rates
Loans
Whether you’re buying a vehicle, financing a recreational purchase, borrowing against your home’s equity, or looking for personal financing, MyUSA Credit Union offers competitive loan rates for qualified borrowers. Explore our current APRs below and see how an affordable, trusted, and local credit union can help you reach your goals.
Current Loan Rates
| Loan Type | Rates1 as Low as |
|---|---|
| Auto & Truck2 Loans – 2023 and Newer | 5.45% |
| Auto & Truck Loans – 2022 and Older | 6.10% |
| Motorcycle3, Boat3 & RV3 – 2023 and Newer | 6.45% |
| ATV4 & Jet Ski Loans4 – 2023 and Newer | 7.45% |
| HELOC5 (Home Equity Line of Credit) | 5.75% |
| Fixed Home Equity Loan or 2nd Mortgage | 6.75% |
| Home Loans | Please call 800.633.8905, email MyUSA@MyUSAcu.com, or click to Chat |
Current Personal Loans Rates
| Loan Type | Rates as Low as |
|---|---|
| Share Secured6 | inquire about rate |
| Lifestyle Loan (Personal Loan)7 | 10.50% |
| Express Line of Credit8 | 10.50% |
| Credit Rebuilder9 | 10.00% |
Current Credit Card Rate
| Card Type | Rates as Low as |
|---|---|
| Mastercard Platinum10 | 10.75% |
Savings
Make your money work harder with a MyUSA savings account, certificate, checking account, or IRA. Compare current rates and APYs below to find an option that fits your savings goals.
Whether you’re building an emergency fund, setting money aside for a future purchase, or planning for retirement, MyUSA offers affordable, trusted, and local options to help you save with confidence.
Current Savings Account Rates
| Type | Rate | APY |
|---|---|---|
| Main Savings | 0.05% | 0.05% |
| Simple Savings11 | 0.05% | 0.05% |
| Premier Savings12– $0 – $24,999 | 0.07% | 0.07% |
| Premier Savings – $25,000 – $99,999 | 1.49% | 1.50% |
| Premier Savings – $25,000 – $99,999 | 2.03% | 2.05% |
| Student Savings13 (ages 0-17 or older with current Student ID) | 5.00% | 5.13% |
Current Share Certificate Rates14
| Term | Rate | APY |
|---|---|---|
| 60 months | 0.65% | 0.65% |
| 48-59 months | 0.60% | 0.60% |
| 36-47 months | 0.55% | 0.55% |
| 24-35 months | 0.50% | 0.50% |
| 12-23 months | 0.50% | 0.50% |
| 9 months | 3.20% | 3.20% |
| 6-11 months | 0.25% | 0.25% |
| 3-5 months | 0.10% | 0.10% |
Current Checking Account Rates
| Type | Rate | APY |
|---|---|---|
| Premier Checking15: $0 – $24,999 | 0.07% | 0.07% |
| Premier Checking: $25,000 + | 0.12% | 0.12% |
| HSA16 (Health Savings Account) | 0.07% | 0.07% |
Current IRA Rates
| Tier | Rate | APY |
|---|---|---|
| IRA: $0 – $2,499 | 0.03% | 0.03% |
| IRA: $2,500 – $9,999 | 0.07% | 0.07% |
| IRA: $10,000 – $24,999 | 0.07% | 0.07% |
| IRA: $25,000 + | 0.12% | 0.12% |
Why Compare MyUSA Credit Union Rates?
Choosing the right rate can make a difference in how much you pay to borrow or how much you earn on your savings. MyUSA Credit Union offers competitive rates on loans and deposit accounts, along with personal service from a local financial institution.
Whether you’re buying a vehicle, financing a home improvement project, building your savings, or planning for the future, we’re here to help you understand your options and choose a solution that works for you.
Affordable. Trusted. Local. That’s the MyUSA difference.
Frequently Asked Questions About Our Rates
Rates subject to change at any time. For additional account information, including applicable fees, speak to a MyUSA Associate for details.
1 Rates are APR = Annual Percentage Rate and APY = Annual Percentage Yield
2 Auto Loans: Minimum loan amount usually $5,000. Minimum loan amount for terms greater than 63 months is $10,000. Minimum loan amount for terms greater than 75 months is $20,000. $95 processing fee. Title fees will range from $15 to $32. Car Loan Example: A fixed $10,000 loan for 63 months @ 5.45% APR is a $182.88 payment with no payment protection. Rates and terms subject to credit approval. Subject to $5 membership fee if not already a member.
3 Motorcycle, RV, Boat Loans: Minimum loan amount $5,000. Minimum loan amount for terms greater than 63 months is $10,000. Minimum loan amount for terms greater than 75 months is $20,000. Add 1% to rate if mileage exceeds 50,000 on any model year. Rates, terms, and conditions subject to change without notice. $95 processing fee. Title fees range from $15 to $32. Rate applicable to new purchases or external financing only. Loan Payment Example: A fixed $10,000 loan for 63 months @ 6.45% APR is a $187.54 monthly payment with no payment protection.
4 Jet Skis, ATVs: Add 2% to above rates. Rates, terms, and conditions subject to change without notice. $95 origination fee. Boat Loan Example: A fixed $10,000 loan for 63 months @ 7.45% APR is a $192.28 monthly payment with no payment protection.
5 HELOC (Home Equity Line of Credit): Annual Percentage Rate (APR) is variable and based on a range of -1.00% below Prime to 4.00% above Prime as listed in the Wall Street Journal as of the last business day of each month. As the Prime Rate changes, the APR on your account will also change. The APR may vary depending upon each individual’s credit history, credit line, loan-to-value (LTV) and underwriting factors. The minimum APR that can be applied is 3.00%, and maximum APR that can be applied is 18.00%. An annual inactivity fee of $50 may apply. For a limited time, MyUSA will waive the closing cost associated with a HELOC. If borrower cancels loan application while in process or chooses to not close the loan upon approval (regardless of approved amount), the borrower/member will be responsible for reimbursement of the closing cost (including appraisal, flood cert, title search, and recording fees). Offer valid only on Primary, Owner-Occupied residence. Additional fees may be required for loans over 80% and are the financial responsibility of the borrower. Home Equity Lines of Credit (HELOC) – Annual Percentage Rate (APR) is variable and based on a range of -1.00% below Prime to 4.00% above Prime as listed in the Wall Street Journal as of the last business day of each month. As the Prime Rate changes, the APR on your account will also change. The APR may vary depending upon each individual’s credit history, credit line, loan-to-value (LTV) and underwriting factors. Investment property add 2.00% to rate and max loan to value is 75%. Additional fees may be required for loans over 80% and are the financial responsibility of the borrower. All HELOCs have a 10 year draw period.
6 Share Secured : Minimum loan amount $300. Terms 1 – 63 months. Requires matching deposit in special savings account. Savings on hold for duration of loan. Personal Loan – Secured Payment Example: A $10,000 loan for 63 months @ 5.00% APR is a $180.80 monthly payment. Subject to $5 membership fee.
7 Unsecured, Signature (Lifestyle Loan): Your APR will be between 10.50% and 20.50% based on creditworthiness at time of application for loan terms of 1-60 months and amounts $1,500-$15,000. Unsecured Personal Loan Example: if you get approved for a $10,000 loan at 10.50% APR for a term of 24 months, you’ll pay just $463.76 a month. Minimum payment is $100 per month, unless specifically stated otherwise for special loan promotions.
8 Express Line of Credit: Loan amount $500-$15,000; 10 year term, payments calculated at 3 1/2% of the balance
9 Credit Builder: For credit grades C, D, and E only, or less than 639 credit score. Member adds 10% of loan amount to held funds. Proceeds on hold for duration of loan
10 Mastercard Credit Cards: Variable rates based on prime
11 Simple Savings: There is no minimum balance to open a Simple Savings account, but you must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00 to open a Simple Savings Account. A balance of $0.01 is required to earn dividends; fees may reduce earnings.
12 Premier Savings: APY disclosed effective as of date listed above and may change after account is opened. 2.52% APY will be paid only on the portion of your average daily balance that is greater than $100,000. The portion of your average daily balance $25,000 – $99,999 earns 1.70% and balances up to $24,999 will earn 0.07%. There is no minimum balance to open a Premier Savings account, but you must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00 to open a Premier Savings Account. If the balance falls before $2,000 at any time during the month a fee will be charged. A balance of $0.01 is required to earn dividends; fees may reduce earnings. Eligible only for individual accounts.
13 Student Savings: There is no minimum balance to open a Student Savings Account, but you must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00 to open a Student Savings Account. Student Checking accounts available to individuals ages 16-17, or older with current student ID. A balance of $0.01 is required to earn dividends; fees may reduce earnings.
14 Share Certificate of Deposit: APY for Certificates will be standard published rates at time of account opening and are subject to change after account opening. APY, minimum balance requirements for obtaining APY, and fees, including early withdrawal fees, may apply and will vary per account. A minimum balance of $500 is required to open a Certificate and a balance of $0.01 is required to earn dividends; fees may reduce earnings. You must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00 to open Share Certificate.
15 Premier Checking: APY = Annual Percentage Yield. APYs disclosed effective as of date listed above and may change after account is opened. The portion of your average daily balance $0.00 – $24,999 earns .07% and balances $25,000 and up will earn 0.12%. There is no minimum balance to open a Premier Checking account, but you must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00 to open a Premier Checking Account. A balance of $0.01 is required to earn dividends; fees may reduce earnings. Eligible only for individual accounts. Other account types such as business, estate, trust, guardian, rep payee, etc. are not eligible to participate.
16 To see if your healthcare plan is HSA eligible, contact your healthcare provider or reference IRS Publication 969.