APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 5/4/2017. Fees may reduce earnings. Rates subject to change. For more information regarding applicable fees and terms, please contact a SWACU employee.

LUV Reward Checking* See Details

Balance Dividend Rate APY
$0 - $25,000 3.93% 4.00%
$25,000+ 0.25% 4.00% to 0.25%
All balances if qualifications not met 0.10% 0.10%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your LUV Reward Checking account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH payment transaction
  • At least a combined total of 15 debit card purchases or credit card purchases
  • Be enrolled in and agree to receive e-Statements

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base rate. Plus, you can get back to earning really high dividends and nationwide ATM withdrawal fee refunds the very next month.

LUV Fund Money Market See Details

Balance APY
$2,000 - $9,999.99 0.15%
$10,000 - $49,999.99 0.20%
$50,000+ 0.30%

Quarterly Account Rates

AccountAPYCompounded
Regular Savings 0.100%^ Quarterly
Individual Retirement Account (IRA) 0.50% Quarterly

^ Dividends are earned on balances more than $100.

Term Share Certificates / IRA Certificates See Details

AccountTermAPY
Mega Jumbo
($75,000+)
6 months 0.500%
Mega Jumbo 12 months 0.850%
Mega Jumbo 18 months 0.850%
Mega Jumbo 24 months 1.090%
Mega Jumbo 30 months 1.090%
Mega Jumbo 36 months 1.390%
Mega Jumbo 48 months 1.590%
Jumbo
($25,000 to $74,999.99)
6 months 0.450%
Jumbo 12 months 0.800%
Jumbo 18 months 0.800%
Jumbo 24 months 1.040%
Jumbo 30 months 1.040%
Jumbo 36 months 1.340%
Jumbo 48 months 1.540%
Regular
($1,000 minimum)
6 months 0.400%
Regular 12 months 0.700%
Regular 18 months 0.700%
Regular 24 months 1.000%
Regular 30 months 1.000%
Regular 36 months 1.240%
Regular 48 months 1.440%

Penalties may apply for early withdrawal.

Loan Rates

Loan TypeTermAPRLimits
Line of Credit Open 14.90% Based on income and ability to repay
Signature Up to 60 months 9.50% - 16.00% Based on income and ability to repay**
VISA Classic Open 11.50%
VISA Platinum Open 9.90%
New Auto Up to 72 months** 1.90% - 14.90% 100% Financing**
Used Auto Up to 72 months** 1.90% - 14.90% NADA Value**
New Motorcycle Up to 72 months 1.90% - 14.90% 100% Financing**
Used Motorcycle Up to 72 months 1.90%-14.90% NADA Value**
New Boat Up to 60 months 2.99%-13.49% 100% Financing**
72 months 3.24%-13.74% 100% Financing**
84 months 3.49%-13.99% 100% Financing**
Used Boat Up to 60 months 2.99%-13.49% NADA Value**
72 months 3.24%-13.74% NADA Value**
84 months 3.49%-13.99% NADA Value**
New Recreational Vehicle Up to 60 months 2.99%-13.49% 100% Financing**
72 months 3.24%-13.74% 100% Financing**
84 months 3.49%-13.99% 100% Financing**
Used Recreational Vehicle Up to 60 months 2.99%-13.49% NADA Value**
72 months 3.24%-13.74% NADA Value**
84 months 3.49%-13.99% NADA Value**
Collateral Balloon Up to 36 months 2.40% - 15.40% NADA Value**
Collateral Up to 72 months 1.90% - 15.90% NADA Value**
Overdraft Protection Open 14.90%
Share Secured Max. 36 Months 4 points Above Regular Share Rate Share in excess of $50 minimum
Certificate Secured 4 points Above Certificate Rate Life of Certificate

**Loan rates and terms are based on the credit worthiness of the borrower. The actual rate you receive will be based on your credit score.