JOIN ATMS RATES KNOWLEDGE BASE CONTACT US LOG IN Banking Credit Cards Lending Services Why Quorum Learning Home > Rates Quorum Rates Quorum's Current Rates Lending Rates Credit Rates Banking Rates Lending Loan Type Term Rate Type Rate Formula Daily Periodic Rate as low as Annual Percentage Rate as low as Overdraft Line-of-Credit (Checking Reserve) Revolving Fixed n/a 0.04% 13.40%* Undergraduate Private Education Line-of-Credit to 300 Months Variable Based on Prime Rate (7.00% Floor) 0.02% 7.00%** Savings Secured to 120 Months Variable Savings Rate + 3.00% 0.01% 3.05%*** Term Secured to 60 Months Fixed Term Rate + 3.00% 0.01% 3.25% Home Equity Line-of-Credit (IO RealtyLine) Revolving Variable Based on Prime Rate (3.95% Floor) 0.01% 3.95% Investment Property Interest-Only HELOC Revolving Variable Based on Prime Rate (4.95% Floor) 0.01% 4.95% First Mortgage/Co-Op Loan to 30 Years Fixed or Variable n/a Changes daily. Please call for details or visit quorumfcu.org/mortgages Credit Loan Type Term Rate Type Rate Formula Daily Periodic Rate Annual Percentage Rate***** Cash Back World, World MasterCard, and World Elite MasterCard (No Annual Fee) Revolving Variable Prime Rate + 5.65% 0.02% 8.90% Prime Rate + 6.65% 0.03% 9.90% Prime Rate + 8.65% 0.03% 11.90% Prime Rate + 15% 0.05% 18.00% RateWise MasterCard (No Annual Fee) Revolving Variable Prime Rate + 4.65% 0.02% 7.90% Prime Rate + 5.65% 0.02% 8.90% Prime Rate + 7.65% 0.03% 10.90% Prime Rate + 12% 0.04% 15.25% Prime Rate + 15% 0.05% 18.00% Banking Account Type Term Rate Type Minimum Balance Dividend Annual Percentage Yield Dividend Rate Checking Rewards n/a Variable None 0.01% 0.01% QChoice n/a Variable $0 - $19,999 0.01% 0.01% $20,000 and over 0.05% 0.05% HighQ n/a Variable None 0.35% 0.35% Basic Savings n/a Variable $5 0.01% 0.01% Name-Your-Own-Savings n/a Variable None 0.01% 0.01% Holiday Club Disbursed each October Variable None 0.01% 0.01% Money Management n/a Variable $0 - $2,499 0.01% 0.01% $2,500 - $9,999 0.01% 0.01% $10,000 - $24,999 0.01% 0.01% $25,000 - $99,999 0.10% 0.10% $100,000 -$249,999 0.20% 0.20% $250,000 and over 0.25% 0.25% IRA Savings n/a Variable $0 - $2,499 0.01% 0.01% $2,500 - $9,999 0.01% 0.01% $10,000 - $24,999 0.01% 0.01% $25,000 - $99,999 0.05% 0.05% $100,000 and over 0.10% 0.10% Term Savings and IRA Term 3 Months Fixed $1,000 0.01% 0.01% 6 Months 0.25% 0.25% 12 Months 0.40% 0.40% 13 Months (New Money) 0.60% 0.60% 18 Months 0.40% 0.40% 24 Months 0.45% 0.45% 30 Months (New Money) 1.00% 1.00% 36 Months 0.50% 0.50% 48 Months 0.55% 0.55% 60 Months 0.65% 0.65% Penalties may apply for early withdrawal on all Term accounts. Term Account deposits of $100,000 or more earn an additional 0.10% APY. *Overdraft Line-of-Credit (Checking Reserve): Rates are subject to change. **Undergraduate Private Education Line-of-Credit: Rate reflects a 0.25% discount for auto-pay during repayment only. ***Savings Secured: The Annual Percentage Rate (APR) for all advances on all existing balances will be subject to change on the first day of each month based on the Basic Savings rate published monthly. ****Credit Cards: The rate is based on your creditworthiness. The APR will vary with the market based on the Prime Rate. The maximum interest rate will never exceed the rate permitted under the Federal Credit Union Act (currently, this maximum is 18%). If your rate increases, additional payments will be required. New Money: The 13-Month and 30-Month Term Account Rates are for NEW MONEY only or funds that have been on deposit with Quorum for two weeks or less. Also of Interest: HELOCsEveryday SavingsStudent Loans Contact Us Knowledge Base Privacy Policy Security Disclosures Calculators Fees Careers Learning Hub Sitemap © 2021 Quorum Federal Credit Union. Serving members since 1934.