Rates

Deposit Account Rates

Table data for Checking and Savings Accounts
 Effective 12-21-2024
Balance to Earn APY Rate APY1 Alert Me
Spark Checking $0.01 - $1,000.00 0.250% 0.250% Receive a notification when this rate changes
Spark Checking $1,000.01 & above 0.020% 0.020% Receive a notification when this rate changes
Go-To Checking n/a n/a n/a Receive a notification when this rate changes
Primary Savings $100.01 0.100% 0.100% Receive a notification when this rate changes
Additional Savings Accounts $0.01 0.100% 0.100% Receive a notification when this rate changes
Holiday Club Savings2 $0.01 0.100% 0.100% Receive a notification when this rate changes
Dividends are compounded and credited monthly.

Interest is determined by Go Energy Credit Union's Board of Directors and is subject to change.
The interest period begins on the first calendar day and ends on the last calendar day of the interest period. Interest is calculated on the average daily balance in the account. Interest is paid to the account on the last day of the interest period.
  • 1APY = Annual Percentage Yield↵
  • 2During the first week of November, accounts with balances over $15 will have the funds transferred to the individual's checking account. If there is not a checking account, funds will be transferred to the savings (01) account.↵

Table data for Money Market Account
 Rates Effective 12-21-2024
Balance to Earn Rate Dividends APY1 Alert Me
$0–$2,499.00 0.000% 0.000% Receive a notification when this rate changes
$2,500–$9,999.99 0.150% 0.150% Receive a notification when this rate changes
$10,000–$24,999.99 0.600% 0.600% Receive a notification when this rate changes
$25,000–$49,999.99 0.600% 0.600% Receive a notification when this rate changes
$50,000- $244,999.99 1.000% 1.000% Receive a notification when this rate changes
$245,000 and above 1.250% 1.260% Receive a notification when this rate changes
Dividends are calculated daily and credited monthly.

Interest is determined by Go Energy Credit Union's of Directors and is subject to change.
The interest period begins on the first calendar day and ends on the last calendar day of the interest period. Interest is calculated on the daily balance in the account. Interest is paid to the account on the last day of the interest period.
  • 1APY = Annual Percentage Yield↵

Table data for IRA Savings Accounts
 Effective 12-21-2024
Balance to Earn APY Rate APY1 Alert Me
Traditional $0.01 0.100% 0.100% Receive a notification when this rate changes
Traditional Conversion $0.01 0.100% 0.100% Receive a notification when this rate changes
Traditional Beneficiary $0.01 0.100% 0.100% Receive a notification when this rate changes
Roth Beneficiary $0.01 0.100% 0.100% Receive a notification when this rate changes
Education $0.01 0.100% 0.100% Receive a notification when this rate changes
Roth $0.01 0.100% 0.100% Receive a notification when this rate changes
Roth Conversion $0.01 0.100% 0.100% Receive a notification when this rate changes
Dividends are compounded and credited monthly.

Interest is determined by Go Energy Credit Union's Board of Directors and is subject to change.
The interest period begins on the first calendar day and ends on the last calendar day of the interest period. Interest is calculated on the average daily balance in the account. Interest is paid to the account on the last day of the interest period.
  • 1APY = Annual Percentage Yield↵

Table data for Certificate Accounts
 Rates Effective 12-21-2024
Term Balance to Earn APY Dividend Rate APY1 Alert Me
6 month $1,000 0.996% 1.000% Receive a notification when this rate changes
1 year $1,000 2.227% 2.250% Receive a notification when this rate changes
2 year $1,000 2.716% 2.750% Receive a notification when this rate changes
3 year $1,000 2.814% 2.850% Receive a notification when this rate changes
4 year $1,000 2.912% 2.950% Receive a notification when this rate changes
5 year $1,000 3.057% 3.100% Receive a notification when this rate changes
Dividends are compounded monthly and credited monthly.

The Annual Percentage Yield is based on the assumption that the principal and interest will remain on deposit until maturity. A withdrawal of either principal or interest will reduce earnings. The interest period begins on the first and ends on the last calendar day of the interest period. If the certificate is closed prior to accrued interest being paid, interest payments will be paid. For all certificate accounts, the rate will be fixed and will be in effect for the entire term of the certificate.

Early Withdrawal Penalty:
Type of Rate: FIXED PER TERM. Addtional Deposits: NOT ALLOWED. Withdrawal Interest/Principal: ALLOWED. The credit union may impose a penalty if any of the principal is withdrawn before the maturity date. The penalty is calculated as a forfeiture of part of the interest. The penalty is based on interest earned and on the amount withdrawn and will not reduce principal.

Exceptions to Penalties: It is an option of the credit union to pay the account before maturity without imposing an early withdrawal penalty.

For all Regular, Jumbo, IRA, and Special Rate certificate accounts, the maturing certificate will automatically renew for the same or next shorter term upon maturity. For all auto renew accounts, there is a five (5) business day grace period after maturity in which to withdraw funds from the certificate without being charged an early withdrawal penalty. For Jumbo and IRA Certificates, interest can either be transferred to another account at Go Energy Credit Union or paid by check.
  • 1APY = Annual Percentage Yield↵

Loan Rates

Table data for Auto and Truck Loans
 Effective 12-21-2024
*APR as low as Alert Me
Fixed rate - terms vary. contact us for details 4.59% Receive a notification when this rate changes
*APR = Annual Percentage Rate.

Table data for Home Equity Loans
 Effective 12-21-2024
*APR as low as Alert Me
Terms vary. contact us for details varies Receive a notification when this rate changes
*APR = Annual Percentage Rate. CLTV = Combined Loan to Value. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Loan approval is subject to credit, income, and property valuation. The APR is variable, based upon an index and a margin, and applies to the outstanding balance. Margin, rate, and payment amount may vary based on property value, loan amount, creditworthiness, and other factors. Property insurance is required; flood insurance may be required depending on the location of the collateral. Member will repay up to $875 in closing costs in line of credit is paid off within two years after closing date. GO HELOC Up to 80% CLTV; APR: Varies; Draw: 7 years; Repayment: 15 years; Line of Credit: $10,000-$250,000; Minimum Payment: $100; Minimum Draw: $500

Table data for Boat, RV, Motorcycle, ATV, Tractor etc. Loans
 Effective 12-21-2024
*APR as low as Alert Me
Boat, RV, Jet Ski and Motorcycle Fixed rate - terms vary. contact us for details 6.59% Receive a notification when this rate changes
ATV, Tractor and Farm Equipment Fixed rate - terms vary. contact us for details 8.80% Receive a notification when this rate changes
*APR = Annual Percentage Rate. Can be used for motorcycles, recreational vehicles, ATVs, boats, jet skis, tractors and farm equipment.

Table data for Personal and Lifestyle Loans
 Effective 12-21-2024
*APR as low as Alert Me
Fixed rate - terms vary. contact us for details 11.00% Receive a notification when this rate changes
*APR = Annual Percentage Rate. Personal loans or lifestyle loans can be used for a vacation, car repair, wedding, home decorating, debt consolidation and more.