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APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Rates effective as of 7/22/2019.

Fees may reduce earnings. Rates subject to change. For more information regarding applicable fees and terms, please contact a SWACU employee.

Effective April 1, 2018: 
Change to Reward Checking Qualification: Effective April 1, 2018. POS debit and qualifying credit card transactions for LUV Reward Checking must be at least $5.00 in order to be applied towards qualification of 15 debit card transactions per month.

LUV Reward Checking* Learn More

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 Platinum credit card purchases with a minimum purchase amount of $5.00.
  • 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 Learn More

Balance APY
$2,000 - $9,999.99 0.50%
$10,000 - $49,999.99 0.60%
$50,000+ 0.70%

Quarterly Account Rates

^ Dividends are earned on balances more than $100.

Term Share Certificates / IRA Certificates (Mega Jumbo) Learn More

Term APY Minimum Amount
6 months 1.800% $75,000
12 months 2.250% $75,000
18 months 2.400% $75,000 
24 months 2.550% $75,000 
30 months 2.550% $75,000 
36 months 2.650% $75,000 
48 months 2.700% $75,000 

 

Penalties may apply for early withdrawal.

Term Share Certificates / IRA Certificates (Jumbo) Learn More

Term APY Minimum Amount
6 months 1.750% $25,000 - $74,999.99
12 months 2.200% $25,000 - $74,999.99
18 months 2.350% $25,000 - $74,999.99
24 months 2.500% $25,000 - $74,999.99
30 months 2.500% $25,000 - $74,999.99
36 months 2.600% $25,000 - $74,999.99
48 months 2.650% $25,000 - $74,999.99

 

Penalties may apply for early withdrawal.

Term Share Certificates / IRA Certificates (Regular) Learn More

Term APY Minimum Amount
6 months 1.700% $1,000
12 months 2.150% $1,000
18 months 2.300% $1,000
24 months 2.450% $1,000
30 months 2.450% $1,000
36 months 2.550% $1,000
48 months 2.600% $1,000

 

Penalties may apply for early withdrawal.

Personal Loans

Loan Type Term APR Limits
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 Platinum Open 10.50% - 18.00%  
VISA Rewards Open 11.50% - 16.50% Based on income and ability to repay**
VISA Signature Open 13.50% - 15.50% Based on income and ability to repay**
Overdraft Protection Open 14.90%  

 

**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 and also term.

Auto & Motorcycle Loans

Loan Type Term APR Limits
New Auto Up to 36 Months** 2.59% - 11.90% 100% Financing**
  48 Months**

2.74% - 12.90%

 
  60 Months** 2.99% - 13.90%  
Used Auto Up to 36 months** 2.59% - 11.90% NADA Value**
  48 Months** 2.74% - 12.90%  
  60 Months** 2.99% - 13.90%  
New Motorcycle Up to 36 months 3.99% - 11.90% 100% Financing**
  48 Months 4.25% - 12.90%  
  60 Months 4.25% - 13.90%  
Used Motorcycle Up to 36 months 3.99% - 14.90% NADA Value**
  48 Months 4.25% - 12.90%  
  60 Months 4.25% - 13.90%  

**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 and also term.

 

New Boat Learn More

Term APR Limits
Up to 60 months 4.49% - 13.50% 100% Financing**
72 months 4.99% - 13.75% 100% Financing**
84 months 5.25% - 14.00% 100% Financing**

 

**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 and also term.

Used Boat Learn More

Term APR Limits
Up to 60 months 4.49% - 13.50% NADA Value**
72 months 4.99% - 13.75% NADA Value**
84 months 5.25% - 14.00% NADA Value**

 

**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 and also term.

New Recreational Vehicle Learn More

Term APR Limits
Up to 60 months 4.49% - 13.50% 100% Financing**
72 months 4.99% - 13.75% 100% Financing**
84 months 5.25% - 14.00% 100% Financing**

 

**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 and also term.

Used Recreational Vehicle Learn More

Term APR Limits
Up to 60 months 4.49% - 13.50% NADA Value**
72 months 4.99% - 13.75% NADA Value**
84 months 5.25% - 14.00% NADA Value**

 

**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 and also term.

Other Secured Loans Learn More

Loan Type Term APR Limits
Collateral Balloon Up to 36 months 2.40% - 15.40% NADA Value**
Collateral Up to 72 months 3.24% - 15.90% NADA Value**
Share Secured Max. 36 months 4 points above Regular Share Rate Share in excess of $50 minimum
Certificate Secured n/a 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 and also term.

SWACU Grand Slam Summer Loan Details

SWACU Grand Slam Summer Loan Details

Offer available 6/24/19-9/23/19.
Disclosures: *APR=Annual Percentage Rate=Annual Percentage Rate. 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. Example Repayment Term: 36 monthly payments of $578.02 for a $20,000 loan at 2.59% APR.
 
**New Collateral Loans Only. First payment will be due 90 days from closing of the loan. Finance charges begin accruing as of the loan disbursement date. Offer not available on existing SWACU secured loans. All loans and accounts are subject to approval. Offer expires September 23, 2019. Programs, rates, terms and conditions are subject to change at any time without notice.

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