Rates & Fees

Auto and Motorcycle Loans

Model Year Term Rate APRT, as low as Payment per $1000
2015 & Newer 60 months 3.99% 4.06% $19.25
  72 months* 3.99% 4.048% $16.25
  84 months** 5.24% 5.29% $14.75
2014 to 2010 48 months 4.24% 4.33% $23.50
  60 months 4.49% 4.56% $19.50
  72 months* 4.74% 4.80% $16.75
2009 & Older 48 months 5.99% 6.08% $24.50
  60 months 6.49% 6.56% $20.50

*$15K minimum & Max Mileage of 60K
**$30K minimum & Max Mileage of 40K

Rates effective 1/01/2019

T APR = Annual Percentage Rate.  Rate and term are subject to credit approval and qualified collateral. 

 

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Boats and RVs

Model Year Term Rate APRT, as low as Payment per $1000
2015 & Newer up to 84 months 6.49% 6.54% $17.00
  up to 180 months 7.99% 8.02% $11.10
2011 to 2014 up to 84 months 6.49% 6.60% $15.50
  up to 144 months 8.49% 8.53% $13.00
2010 & Older up to 72 months 6.99% 7.12% $17.75
  up to 120 months 8.99% 9.03% $15.00

Minimum values for extended terms: 10yr - $15,000,  12 yr  - $20,000, 15yr - $30,000 
T APR = Annual Percentage Rate.  Rate and term are subject to credit approval.

Rates effective 01/01/2019

 

ATVs, Personal Watercraft, and Non-Titled Motorcycles

Model Year Term Rate APRT, as low as Payment per $1000
2015 & Newer 60 months 6.74% 6.81% $22.75
2014 & Older 60 months 7.74% 7.81% $23.75

T APR = Annual Percentage Rate. Rate and term are subject to credit approval.

Rates effective 01/01/2019

 

Personal Loans

Term APRT
Up to 60 months as low as 9%

T APR = Annual Percentage Rate. Rate and term are subject to credit approval.

Rates effective 08/01/2018


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Home Loans

For the most current rates please click on the button below. 

View Today's Rates

Get Preapproved Online

 

Home Refinance -
Contact a member of our Mortgage Team today via email or call us at (785)233-5556 to take advantage of our great fixed rates and low closing fees! 

Refinance to pay your mortgage off faster, pay off debt or even use the equity in your home to take a vacation. All offers with approved credit, first position refinances only and rates are subject to change so act now.

Term LTV Rate  APRT Closing Cost*
5 year up to 80% 4.25% 4.39% $349.00
10 year up to 80% 4.50% 4.60% $449.00
15 year up to 80% 4.75% 4.84% $599.00

T APR = Annual Percentage Rate. Rate and term are subject to credit approval. Only owner occupied primary residences accepted. 

*Additional fees may apply. Not all loans may qualify for this special promotion. Please contact a member of the Azura Mortgage Team for full details.


Updated 1/15/2019

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Construction Loans

Loan Type LTV Rate APRT
Custom Construction up to 85% 6.50% 6.564%


T APR = Annual Percentage Rate.

Rates effective as of 07/18/2018

  • Rate and term are subject to credit approval.
  • Origination fee of $1,000
  • Interest only for up to 12 months
  • Rate quoted based on $150,000 loan amount 
  • Rates are effective as of the date stated above and subject to change daily without notice.
  • APR's based on 15 days of prepaid interest, please call Azura for further explanation.


Land Loans

Loan Type Term LTV Rate
Lot Loan 15 years up to 70%  Contact Azura for specific rate details.

 

  • Rate and term are subject to credit approval.
  • Origination fee is 1% of the loan amount, with a minimum of $750, plus closing costs
  • Rates are effective as of the date stated above and subject to change daily without notice.


Home Equity Loans - Fixed Rate

Term Loan to Value Rate  APRT
5 year Up to 80%
LTV
6.50% 6.50%
10 year Up to 80% LTV 6.75% 6.75%
15 year  Up to 80% LTV 7.00% 7.00%
Contact us for consultation if an LTV of more than 80% is needed. 

T APR = Annual Percentage Rate. Rate and term are subject to credit approval.
Updated 07/18/2018


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Home Equity Line of Credit (HELOC) - Variable Rate

Term Loan to Value APRT
Primeline Up to 80%
LTV
5.50% (equal
to prime)
Primeline +2 80.1%
to 100% LTV
7.50% (equal
to prime +2%)

No origination fees for Primeline loans. Fees may apply to refinanced loans. APRs (Annual Percentage Rate) are based on Wall Street Journal Prime subject to change the first day of each month. Both Loans are accessible by check, with $500.00 minimum advances.
T APR = Annual Percentage Rate.  Rate and term are subject to credit approval.

Rates Effective 1/01/19


Apply Online

 

 

 

Visa Credit Card - Variable Rate

Type APRT
Visa Credit Card

9.00%

T APR = Annual Percentage Rate. Rate and term are subject to credit approval.

Rates Effective 2/01/2019

 

Visa Rewards Credit Card - Variable Rate

Type APRT
Visa Rewards Credit Card

11.00%

T APR = Annual Percentage Rate. Rate and term are subject to credit approval.

Rates Effective 2/01/2019

  Visa Variable Rate Credit Card Rewards VISA Credit Card

 

Business Accounts

Updated 9/01/18 Rate APYT
Savings 0.25% 0.25%
Forward Checking 0.10% 0.10%
(Earned dividends if balance >$100)
Excel Checking 0.25% 0.25%
(Earned dividends if balance >$100)


Business Money Market

Updated 3/01/19 Rate APYT
$0.00-999.99 0.00% 0.00%
$1,000-$9,999.99 0.50% 0.50%
$10.000.00 - $24,999.99  0.60%
0.60%
$25,000.00 - $49,999.99 0.70% 0.70%
$50,000 - $99,999.99 0.80% 0.80%
$100,000+ 0.90% 0.90%

 

Business Share Certificates

Updated 3/01/19 Rate APYT
6 month 0.75%   0.75%
12 month 1.50% 1.51%
24 month 1.90%
1.92%
36 month 2.25% 2.27%
48 month 2.50% 2.53%
60 month 2.75% 2.79%
$500 minimum to open a Share Certificate

 

Savings and Checking Accounts

Updated 09/01/18 Rate APYT
Savings Account 0.25% 0.25%
Above Checking 0.10% 0.10%
Beyond Checking    
Bonus rate** (Balances up to $15,000.00) 2.72% 2.75%
2nd Tier rate** (Balances over $15,000.00) 0.25% 0.25%
Base rate (If requirements** are NOT met) 0.10% 0.10%

**Bonus rate requirements per qualification cycle: view statement online, one (1) direct deposit or ACH, and 15 debit card transactions. For more details, click here.

 

Money Market

Updated 3/01/19 Rate APYT
$0.00-999.99 0.00% 0.00%
$1,000-$9,999.99 0.50% 0.50%
$10,000.00 - $24,999.99  0.60%
0.60%
$25,000.00 - $49,999.99 0.70% 0.70%
$50,000 - $99,999.99 0.80% 0.80%
$100,000+ 0.90% 0.90%

 

Share Certificate Special

Updated 12/05/18 Rate APYT
18 month 2.60% 2.63%
$500 Minimum deposit. Early withdrawal penalty will reduce earnings on the account. IRA funds are eligible.

 

Bump Rate Share Certificate

Updated 12/05/18 Rate APYT
30 month 2.97% 3.01%
$500 Minimum deposit. The Bump Rate Option allows a member to choose to “bump” their rate one time for the 30 month Share Certificate, if the current rate being offered is higher.  Contact Azura Credit Union to activate the bump rate. Each 30 month term has one bump available. The 30 month Bump Rate Share Certificate will automatically renew as another 30 month Bump Rate Share Certificate, unless changes are made during the grace period.  Early withdrawal penalty will reduce earnings on the account. IRA funds are eligible.

 

Share Certificates

Updated 3/01/19 Rate APYT
6 month 0.75%   0.75%
12 month 1.50% 1.51%
24 month 1.90%
1.92%
36 month 2.25% 2.27%
48 month 2.50% 2.53%
60 month 2.75% 2.79%
$500 minimum to open a Share Certificate


IRA

Updated 9/01/18 Rate APYT
Share Account 0.75% 0.75%
Balances over $100 earn dividends


Health Savings Account (HSA)

Updated 9/01/18 Rate APYT
Share Account 0.20% 0.20%
Balances over $100 earn dividends

Personal Account Fees

Type Applicable Fees & Conditions
CareFree Checking Free
Above Checking $5 monthly maintenance fee if balance falls below $500
Beyond Checking $5 monthly maintenance fee if requirements are not met. 
Learn more here.
Money Market  $5.00 monthly maintenance fee if balance falls below $1,000


Business Account Fees

Type Applicable Fees & Conditions
Forward Checking $5 monthly maintenance fee if balance falls below $300
Per Item Charge $0.10/item, after first 100 free per month
Excel Checking $10 monthly maintenance fee if balance falls below $1,000
Per Item Charge $0.10/item, after first 200 free per month
   


Other Account Fees

Type Applicable Fees & Conditions
NSF Item (applies to overdrafts created by check, in-person or ATM
withdrawals or other electronic means, whether paid or unpaid)
$24.00 per item
NSF Transfer $5.00 per transfer
Account Closure (account closed within 180 days of opening date) $20.00
Inactive/Low Balance (no activity in 12 months; balance below $100) $5 per month
Dormant Account (no activity in 12 months; undeliverable address) $5 per month
Bad Address (per item returned as undeliverable) $2 per item
Garnisment/Levy $10 per item
Check Printing Fee Prices vary by style
Temporary Checks $1 per page
History Printout $2 per monthly printout
Statement Copy $3 per statement cycle
Paper Statement (savings-only account(s) with balance below $100
at any time during statement cycle, excludes youth accounts)
$2 per statement cycle
Account Reconciliation (one hour minimum) $20 per hour
Excessive Reg D (savings-only account(s) for any non-person transfer
or withdraw in excess of 6 per month)
$3 per item


Card Fees

Type Applicable Fees & Conditions
Excessive PIN Replacement> $5.00
Excessive ATM Withdrawal $1 each over 8 withdrawals per month
Captured Card Fee Pass through of fee charged to Azura


Online Banking/Bill Pay Fees

Type Applicable Fees & Conditions
Mobile Banking App Free
Online Banking Free
Online Bill Pay Free
Bill Pay Electronic Express $10 per item
Bill Pay Paper Express $40 per item


Other Service Fees

Type Applicable Fees & Conditions
Notary (members only) Free
Money Order $2 each
Visa Gift Card $3 each
Cashier Check (minimum $100, payable to third party) $3 each
Research (one hour minimum) $20 per hour
Check Copy $3 each
Stop Payment $24 per item, or consecutive series
Foreign Currency Order $30 per request
Check Cashing (applies to savings-only accounts with a balance
below $100 at time of transaction; excludes youth accounts)
$5 per transaction
Coin Counting (applies to savings-only accounts with a balance 
below $100 at time of transaction; excludes youth accounts)

 

5%
Returned Item (written by you) $24 each
Returned Item (written to you) $5 each
Third Party Payment $10 per request
Domestic Check Collection (outgoing) $10 per item
Foreign Check Collection (outgoing) $20 per item
Wire Transfer - International $40 per wire
Wire Transfer - Domestic $20 per wire
Wire In Free


Annual Safe Deposit Box Fees


Credit Union Membership

Type Applicable Fees & Conditions
Membership Share (not a fee) $5 par value