Rates

Deposit Account Rates

Table data for Checking and Savings Accounts
 Effective 12-11-2019
Balance to Earn APY Rate APY1 Alert Me
Spark Checking $0.01 - $1,000.00 1.980% 2.000% Receive a notification when this rate changes
Spark Checking $1,000.01 & above 0.050% 0.050% Receive a notification when this rate changes
Interest Checking $0.01 0.050% 0.050% Receive a notification when this rate changes
Student Checking $0.01 0.050% 0.050% Receive a notification when this rate changes
Basic Checking n/a n/a n/a Receive a notification when this rate changes
Primary Savings $100.01 0.300% 0.300% Receive a notification when this rate changes
Additional Savings Accounts $0.01 0.300% 0.300% Receive a notification when this rate changes
VISA Secured Savings $0.01 0.300% 0.300% Receive a notification when this rate changes
Christmas Club Savings2 $0.01 0.300% 0.300% Receive a notification when this rate changes
Dividends are compounded and credited monthly.

Interest is determined by Go Energy Financial'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 12-11-2019
Balance to Earn Rate Dividends APY1 Alert Me
$0–$2,499.00 0.250% 0.250% Receive a notification when this rate changes
$2,500–$9,999.99 0.500% 0.501% Receive a notification when this rate changes
$10,000–$24,999.99 0.700% 0.702% Receive a notification when this rate changes
$25,000–$49,999.99 0.900% 0.903% Receive a notification when this rate changes
$50,000 and above 0.900% 0.903% Receive a notification when this rate changes
Dividends are compounded daily and credited monthly.

Interest is determined by Go Energy Financial'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 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 IRA Savings Accounts
 Effective 12-11-2019
Balance to Earn APY Rate APY1 Alert Me
Traditional $0.01 0.500% 0.500% Receive a notification when this rate changes
Traditional Conversion $0.01 0.500% 0.500% Receive a notification when this rate changes
Traditional Beneficiary $0.01 0.500% 0.500% Receive a notification when this rate changes
Roth Beneficiary $0.01 0.500% 0.500% Receive a notification when this rate changes
Education $0.01 0.500% 0.500% Receive a notification when this rate changes
Roth $0.01 0.500% 0.500% Receive a notification when this rate changes
Roth Conversion $0.01 0.500% 0.500% Receive a notification when this rate changes
Dividends are compounded and credited monthly.

Interest is determined by Go Energy Financial'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 12-11-2019
Term Balance to Earn APY Dividend Rate APY1 Alert Me
Jumbo $100,000.00 Contact us for a quote Contact us for a quote Receive a notification when this rate changes
50 month Golden $1,000 2.374% 2.400% Receive a notification when this rate changes
6 month $1,000 1.150% 1.156% Receive a notification when this rate changes
1 year $1,000 1.49% 1.50% Receive a notification when this rate changes
2 year $1,000 1.64% 1.65% Receive a notification when this rate changes
3 year $1,000 1.79% 1.80% Receive a notification when this rate changes
4 year $1,000 1.79% 1.80% Receive a notification when this rate changes
5 year $1,000 1.500% 1.510% 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 Financial or paid by check.
  • 1APY = Annual Percentage Yield

Loan Rates

Table data for Auto and Truck Loans
 Effective 12-11-2019
Rates as low as Alert Me
Fixed rate - terms vary. contact us for details 2.25% Receive a notification when this rate changes

Table data for Home Equity Loans
 Effective 12-11-2019
Rates as low as Alert Me
Terms vary. contact us for details 5.00% Receive a notification when this rate changes

Table data for Boat, RV, Motorcycle, ATV, Tractor etc. Loans
 Effective 12-11-2019
Rates as low as Alert Me
Boat, RV, Jet Ski and Motorcycle Fixed rate - terms vary. contact us for details 2.62% Receive a notification when this rate changes
ATV, Tractor and Farm Equipment Fixed rate - terms vary. contact us for details 5.55% Receive a notification when this rate changes
Can be used for motorcycles, recreational vehicles, ATVs, boats, jet skis, tractors and farm equipment.

Table data for Personal and Lifestyle Loans
 Effective 12-11-2019
Rates as low as Alert Me
Fixed rate - terms vary. contact us for details 8.90% Receive a notification when this rate changes
Personal loans or lifestyle loans can be used for a vacation, car repair, wedding, home decorating, debt consolidation and more.