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Rates

Rates Effective October 1, 2026

 
Some of our more popular loan rates at a glance:
Starting at
4.25% APR
Starting at
7.25% APR
Call for rates
As low as
9.90% APR

Term Minimum Dividend Rate APY Honors Rate* Platinum Rate*
6 Month $500 3.35% 3.40% 3.45% 3.60%
9 Month $500 3.50% 3.55% 3.60% 3.75%
10 Month 
Limited Time Only
 $500 3.93% 4.00% N/A *** N/A ***
12 Month
$500
3.50%
 3.55% 3.60% 3.75%
24 Month $500 3.59% 3.65% 3.69% 3.84%
25 Month 
Limited Time Only
 $500 4.03% 4.10% N/A *** N/A ***
36 Month $500 3.59% 3.65% 3.69% 3.84%
48 Month $500 3.54% 3.60% 3.64% 3.79%
60 Month $500 3.50% 3.555% 3.60% 3.75%
***Honors Rate and Platinum Rate bumps do not apply to Limited Time Only specials
Account Type Balance Dividend APY
Kasasa Cash Checking $0.01 to $10,000 4.41% 4.50%
Kasasa Cash Checking  Enhanced $0.01 to $10,000 5.88% 6.05%
Qualifications Not Met $0.01 + 0.05% 0.05%
Account Type Balance Dividend APY
Kasasa Saver $0.01 to $100,000 2.96% 3.00%
Kasasa Saver $100,000 + 0.25% 0.25%
Qualifications Not Met $0.01 + 0.05% 0.05%
Account Type Minimum Dividend APY
Primary & Special Shares $100  0.05% 0.05%
Money Mammals and/or Teen Club $25  1.00% 1.00%
Christmas/Vacation Clubs $25  0.50% 0.50%
Account Type Balance Dividend  APY
Smart Choice MM $25 to $2,500 2.95% 2.99%
Smart Choice MM $2,501 to $25,000 0.75% 0.75%
Smart Choice MM $25,000.01 to $50,000 0.25% 0.25%
Smart Choice MM $50,000.01 to $100,000 0.20% 0.20%
Smart Choice MM $100,000.01 + 0.15% 0.15%
Performance MM $25,000.01 to $100,000 1.00% 1.00%
Performance MM $100,000.01 to $250,000 1.49% 1.50%
Performance MM $250,000 + 2.47% 2.50%
Account Type Balance Dividend APY
Primary/Special Share $100 0.05% 0.05%
Business Money Market $2,500 to $25,000 1.00% 1.00%
Business Money Market $25,000.01 to $100,000 1.95% 1.97%
Business Money Market $100,000.01 to $250,000 2.50% 2.53%
Business Money Market $250,000.01 + 2.75% 2.78%
Term Minimum Dividend Rate APY
IRA Share Account
$25
0.35%
 0.35%
10 Month
Limited TIme Only!
$500
3.929%
 4.000%
12 Month
$500
3.50%
 3.55%
24 Month $500 3.59% 3.65%
25 Month
Limited Time Only!
 $500 4.03% 4.10%
36 Month $500 3.59% 3.65%
48 Month $500 3.54% 3.60%
60 Month $500 3.50% 3.55%
These dividend rates are effective October 1, 2026 and are subject to change.  All share certificates are subject to a penalty for early withdrawal of half the remaining dividends at the time of withdrawal.  Members are advised to contact Member Services for further information on applicable fees and terms.  Please contact Highmark Credit Union at 800-672-6365.
Youth Certificates available starting at $100 Minimum
*Indicates Dividend Rate. Applies to Honors and Platinum Rewards Members. 
**Blended Rate/See Truth In Savings Disclosure
***Honors Rate and Platinum Rate bumps do not apply to Limited Time Only specials
APY= Annual Percentage Yield



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