Loan Rates

Rates effective 1/23/2023
Rates are subject to change

APY = Annual Percentage Yield
APR = Annual Percentage Rate

Auto Loans

Loan Type APR** Term*
Autos 2018 or Newer as low as 4.74% *up to 84 months
Autos 2014 - 2017as low as 5.49% *up to 84 months
Maximum amount financed - up to 110% of NADA average retail including tax and license. Financing for vehicles 10yrs and older available. Contact credit union for details.
*Terms based on amount financed and model year of collateral

Boat & RV Loans

Loan Type APR**Term*
New Boat & RV'sas low as 6.99% *up to 180 months
Used Boat & RV's as low as 7.99% *up to 180 months
Value based on NADA average retail or Marine Survey. Minimum down payment required based on age of collateral and applicant qualifications.
*Terms based on amount financed and model year of collateral

Airplane Loans

Loan Type APR**Term*
Airplane Loansas low as 6.24% *up to 180 months
Aircrafts for personal use (non-revenue generating)
*Terms based on amount financed

Motorcycle Loans

Loan Type APR**Term*
Motorcycles 2018 or Newer as low as 5.49% *up to 84 months
Motorcycles 2014 - 2017as low as 7.24% *up to 48 months
Value based on NADA average retail. For loans under $20,000 rate is .50% higher.
*Terms based on amount financed and model year of collateral

Personal Loans

Loan Type APR** Term*
Share Secured Loans 3% over dividend rate flexible repayment
Credit Builder Loans 6.00% flexible repayment
Signature Loanas low as 8.85% *up to 60 months
Personal Line of Credit as low as 9.49%
Maximum loan amount based on gross monthly income. Line of credit payments are 2% of loan balance or a minimum payment of $25.00.
*Terms based on amount financed

**All loan rates are Annual Percentage Rates and subject to change without notice. Your rate and credit limit will be determined on creditworthiness including income, debt ratio, and collateral value (based on NADA average retail)
Assume you borrow $20,000 for an auto loan. The calculated APR on a 5 year loan with an interest rate of 4.99% would result in a monthly payment of $377.36.

Home Equity Rates

Rates effective 1/23/2023

HELOC Variable Rate

LTVRate***Draw periodRepaymentMargin
up to 80%8.00%10 Year15 year1
81% - 90%9.00%10 Year15 year2
70% Rental Prop. 8.00%10 Year15 year1
$500.00 Cash Gift to Borrower When HELOC Loan Funds

Index = prime rate as stated in the Wall Street Journal *** Rate = index + margin Semi Annual Adjustments
Minimum loan amount or credit limit is $10,000.
Minimum payment during draw payment is 1% of outstanding balance at the end of billing cycle or $100 whichever is greater.
Payment during repayment period is amortized over 15 years based on the balance at the end of the draw period.
Changes to the index may result in payment changes.

Home Mortgage Rates

Rates effective 1/23/2023

Fixed RatesRatesAPR*
30 Year Fixed5.875%6.087%
30 Year Fixed
(investment property)
20 Year Fixed5.750%5.963%
15 Year Fixed4.875%5.149%

Adjustable RatesRatesAPR*
5 Year Fixed6.250%6.604%
7 Year Fixed6.250%6.612%
10 Year Fixed6.500%6.631%

Jumbo RatesRatesAPR*
30 Year Fixed6.250% 6.395%
5 Year ARM6.125%6.693%
7 Year ARM5.750%6.682%

FHA RatesRatesAPR*
30 Year Fixed5.125%6.018%
Rates include a 1% loan fee, based on $200,000 loan with 20% down payment. Rates are based on purchase of a primary residence.
FHA APR based on $200,000 loan with 3.5% down payment. Rates are based on purchase of primary residence. See Credit Union for details.

Savings Rates

Rates effective 1/23/2023

Fees may reduce earnings

Savings Type Min. Balance APY - Annual Percentage Yield
Christmas Club$5 and up* 1.01%
Dividend on Savings $5 and up* 1.00%
IRAs* $5 and up* 1.11%
Share Certificates** $5003.00%3 months
$5003.00%6 months
< $100,0003.90%1 year
> $100,0004.00%
1 year
< $100,0003.00%
2 years
> $100,000 3.10%2 years
< $100,0003.00%
3 years
> $100,0003.10%3 years
* The Dividend rate and annual percentage yield may change every quarter. Dividends are declared at the end of a dividend period as determined by the Board of Directors. **Early withdrawal penalties may apply. Truth In Savings Disclosure.

Alaska Air Group Credit Union
Seattle Office
(206) 824-9800
Anchorage Office
(907) 563-5335