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Rates
We know rates are important. That's why we do our best to keep your rates as low as possible.
AUTO Loan Interest rates
Your auto loan interest rate doesn’t have to break your budget at Levo Credit Union. Here’s what you can expect currently:
Your loan interest APR** will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 730+, 2= 690-729, 3= 640-689, 4= 610-639, 5= 609 or lower. The specific rate will be set at the time of loan application review. Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.
* Auto & Recreational Rates are effective as of March 13, 2023.
**APR - Annual Percentage Rate
***Vehicles with a MSRP greater than $75,000 may have a higher rate.
RECREATION LOAN INTEREST RATES
Your recreation loan interest rate doesn’t have to break your budget at Levo Credit Union. Here’s what you can expect currently:
Your loan interest APR** will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 730+, 2= 690-729, 3= 640-689, 4= 610-639, 5= 609 or lower. The specific rate will be set at the time of loan application review. Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.
* Auto & Recreational Rates are effective as of May 25, 2023.
**APR - Annual Percentage Rate
***Vehicles with a MSRP greater than $75,000 may have a higher rate.
PERSONAL LOAN INTEREST RATES
Your personal loan interest rate doesn’t have to break your budget at Levo Credit Union. Here’s what you can expect currently:
*APR - Annual Percentage Rate. Your loan interest APR will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 730+, 2= 690-729, 3= 640-689, 4= 610-639, 5= 609 or lower. The specific rate will be set at the time of loan application review. Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.
Personal Loan Rates are effective as of April 1, 2023.
HOME LOAN INTEREST RATES
Your home loan interest rate doesn’t have to break your budget at Levo Credit Union. Here’s what you can expect currently:
| Mortgage Type | Rate | APR* |
|---|---|---|
| 30 YEAR FIXED RATE | 6.250% | 6.380% |
| 20 YEAR FIXED RATE | 6.125% | 6.296% |
| 15 YEAR FIXED RATE | 5.875% | 6.088% |
| 10 YEAR FIXED RATE | 5.875% | 6.177% |
| 7/1 ARM | 6.750% | 6.873% |
| 10/1 ARM | 7.00% | 7.125% |
| SOUTH DAKOTA HOUSING 30 YEAR FHA | 5.875% | 6.142% |
| SOUTH DAKOTA HOUSING 30 YEAR FHA FIXED RATE PLUS | 6.250% | 6.524% |
| FHA 30 YEAR FIXED RATE | 6.375% | 6.666% |
| VA 30 YEAR FIXED RATE | 6.375% | 6.810% |
HOME EQUITY INTEREST RATES
Your home equity loan interest rate doesn’t have to break your budget at Levo Credit Union. Here’s what you can expect currently:
*APR - Annual Percentage Rate. Your loan interest APR will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 720+, 2= 680-719, 3= 679 or lower. The specific rate will be set at the time of loan application review. Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.
BUSINESS CHECKING DIVIDEND RATES
You can earn dividends just by banking with Levo Credit Union. Here’s what you can expect currently:
| Minimum Balance | Dividend Rate | APY* | |
|---|---|---|---|
| TIER 1 | $2,000 | 0.05% | 0.05% |
| TIER 2 | $25,000 | 0.05% | 0.05% |
| TIER 3 | $50,000 | 0.07% | 0.07% |
| TIER 4 | $100,000 | 0.07% | 0.07% |
*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of directors. A complete description of these accounts is available upon request, and will be provided at account opening. Fees could reduce the earnings on the account. Rates effective: April 1, 2023
CONSUMER CHECKING DIVIDEND RATES
You can earn dividends just by banking with Levo Credit Union. Here's what you can expect currently:
| Minimum Balance | Dividend Rate | APY* | |
|---|---|---|---|
| AT ACCOUNT OPENING | $0 | 0.00% | 0.00% |
| AT INTEREST-EARNING THRESHOLD | $2,000 | 0.02% | 0.02% |
*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of Directors. A complete description of these accounts is available upon request, and will be provided at account opening.
CONSUMER SAVINGS DIVIDEND RATES
You can earn dividends just by banking with Levo Credit Union. Here’s what you can expect currently:
SHARE SAVINGS
| Savings | Minimum Balance | Dividend Rate | APY* | Term |
|---|---|---|---|---|
| REGULAR, SPECIAL | $50 | 0.05% | 0.05% | N/A |
| SUPER SHARE MONEY MARKET - TIER 1 | $1,000 up to $2,500 | 0.15% | 0.15% | N/A |
| SUPER SHARE MONEY MARKET - TIER 2 | $2,500.01 - $10,000 | 0.70% | 0.70% | N/A |
| SUPER SHARE MONEY MARKET - TIER 3 | $10,000.01 - $25,000 | 0.80% | 0.80% | N/A |
| SUPER SHARE MONEY MARKET - TIER 4 | $25,000.01 - $50,000 | 1.25% | 1.25% | N/A |
| SUPER SHARE MONEY MARKET - TIER 5 | $50,000.01 - $100,000 | 1.50% | 1.50% | N/A |
| SUPER SHARE MONEY MARKET - TIER 6 | Over $100,000 | 2.00% | 2.00% | N/A |
REGULAR SHARE CERTIFICATES
| Certificate Term | Minimum Deposit | Dividend Rate | APY* | Term |
|---|---|---|---|---|
| 3 MONTH CERTIFICATE | $2500 | 1.00% | 1.00% | 3 |
| 6 MONTH CERTIFICATE | $2500 | 1.50% | 1.50% | 6 |
| 1 YEAR CERTIFICATE | $500 | 3.25% | 3.29% | 12 |
| 13 MONTH SHARE CERTIFICATE SPECIAL | $500 | 4.50% | 4.57% | 13 |
| 18 MONTH SHARE CERTIFICATE | $500 | 3.00% | 3.03% | 18 |
| 2 YEAR SHARE CERTIFICATE | $500 | 3.25% | 3.30% | 24 |
| 3 YEAR SHARE CERTIFICATE | $500 | 2.50% | 2.53% | 36 |
| 4 YEAR SHARE CERTIFICATE | $500 | 2.50% | 2.53% | 48 |
| 5 YEAR SHARE CERTIFICATE | $500 | 2.50% | 2.53% | 60 |
*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of Directors. A complete description of these accounts is available upon request, and will be provided at account opening.
Fees could reduce earnings on the account. The account requires a minimum opening deposit based on term and APY and is listed above. Early withdrawal(s) may be subject to either the Regulation D Penalty or the Early Withdrawal Fee. Some exceptions may apply.
The Regulation D Penalty is 7 days' simple interest and applies to:
- Withdrawals made within 7 days of account opening including the opening day.
- Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured Share Certificate balance.
Withdrawals made after the first 7 days of account opening are subject to the Early Withdrawal Fee below:
- For terms less than three months (or less than 90 days), the fee is one month's interest.
- For terms three months (or 90 days) through 12 months (or 365 days), the fee is three months' interest.
- For terms over 12 months through 24 months, the fee is six months' interest.
- For terms over 24 months, the fee is 12 months' interest.
Share Savings Rates Effective: May 12, 2023
CONSUMER RETIREMENT DIVIDEND RATES
You can earn dividends just by banking with Levo Credit Union. Here’s what you can expect currently:
| Savings | Minimum Balance | Dividend Rate | APY* | Term |
|---|---|---|---|---|
| UNDER $1,000 | $50 | 0.05% | 0.05% | N/A |
| INDIVIDUAL RETIREMENT ACCOUNT - TIER 1 | $1,000 - $2,499.99 | 0.15% | 0.15% | N/A |
| INDIVIDUAL RETIREMENT ACCOUNT - TIER 2 | $2,500 - $9,999.99 | 0.70% | 0.70% | N/A |
| INDIVIDUAL RETIREMENT ACCOUNT - TIER 3 | $10,000 - $24,999.99 | 0.80% | 0.80% | N/A |
| INDIVIDUAL RETIREMENT ACCOUNT - TIER 4 | $25,000 - $49,999.99 | 1.25% | 1.25% | N/A |
| INDIVIDUAL RETIREMENT ACCOUNT - TIER 5 | $50,000 - $99,999.99 | 1.50% | 1.50% | N/A |
| INDIVIDUAL RETIREMENT ACCOUNT - TIER 6 | $100,000 and up | 2.00% | 2.00% | N/A |
IRA SHARE CERTIFICATES
| Certificate Term | Minimum Deposit | Dividend Rate | APY* | Term |
|---|---|---|---|---|
| 3 MONTH SHARE CERTFICATE | $2,500 | 1.00% | 1.00% | 3 |
| 6 MONTH SHARE CERTIFICATE | $2,500 | 1.50% | 1.50% | 6 |
| 1 YEAR SHARE CERTIFICATE | $500 | 3.25% | 3.29% | 12 |
| 13 MONTH SHARE CERTIFICATE SPECIAL | $500 | 4.50% | 4.57% | 13 |
| 18 MONTH CERTIFICATE | $500 | 3.00% | 3.03% | 18 |
| 2 YEAR SHARE CERTIFICATE | $500 | 3.25% | 3.30% | 24 |
| 3 YEAR SHARE CERTIFICATE | $500 | 2.50% | 2.53% | 36 |
| 4 YEAR SHARE CERTIFICATE | $500 | 2.50% | 2.53% | 48 |
| 5 YEAR SHARE CERTIFICATE | $500 | 2.50% | 2.53% | 60 |
*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change without notice. A complete description of these accounts is available upon request, and will be provided at account opening.
Fees could reduce earnings on the account. The account requires a minimum opening deposit based on term and APY and is listed above. Early withdrawal(s) may be subject to either the Regulation D Penalty or the Early Withdrawal Fee. Some exceptions may apply.
The Regulation D Penalty is 7 days' simple interest and applies to:
- Withdrawals made within 7 days of account opening including the opening day.
- Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured Share Certificate balance.
Withdrawals made after the first 7 days of account opening are subject to the Early Withdrawal Fee below:
- For terms less than three months (or less than 90 days), the fee is one month's interest.
- For terms three months (or 90 days) through 12 months (or 365 days), the fee is three months' interest.
- For terms over 12 months through 24 months, the fee is six months' interest.
- For terms over 24 months, the fee is 12 months' interest.
Share Certificate Rates Effective: May 12, 2023
consumer HEALTH SAVINGS DIVIDEND RATES
You can earn dividends just by banking with Levo Credit Union. Here’s what you can expect currently:
| Savings | Minimum Balance | Dividend Rate | APY* | Term |
|---|---|---|---|---|
| HEALTH SAVINGS ACCOUNT - TIER 1 | $0.00 - $2,499.99 | 0.02% | 0.02% | N/A |
| HEALTH SAVINGS ACCOUNT - TIER 2 | $2,500.00 - $9,999.99 | 0.05% | 0.05% | N/A |
| HEALTH SAVINGS ACCOUNT - TIER 3 | $10,000.00 and up | 0.10% | 0.10% | N/A |
Health Savings Account rates effective: 12/16/20
BUSINESS SAVINGS RATES
You can earn dividends just by banking with Levo Credit Union. Here’s what you can expect currently:
SHARE SAVINGS
| Savings | Minimum Balance | Dividend Rate | APY* | Term |
|---|---|---|---|---|
| REGULAR, SPECIAL | $50 | 0.05% | 0.05% | N/A |
| SUPER SHARE MONEY MARKET - TIER 1 | $1,000 up to $2,500 | 0.15% | 0.15% | N/A |
| SUPER SHARE MONEY MARKET - TIER 2 | $2,500.01 - $10,000 | 0.70% | 0.70% | N/A |
| SUPER SHARE MONEY MARKET - TIER 3 | $10,000.01 - $25,000 | 0.80% | 0.80% | N/A |
| SUPER SHARE MONEY MARKET - TIER 4 | $25,000.01 - $50,000 | 1.25% | 1.25% | N/A |
| SUPER SHARE MONEY MARKET - TIER 5 | $50,000.01 - $100,000 | 1.50% | 1.50% | N/A |
| SUPER SHARE MONEY MARKET - TIER 6 | Over $100,000 | 2.00% | 2.00% | N/A |
REGULAR SHARE CERTIFICATES
| Certificate Term | Minimum Deposit | Dividend Rate | APY* | Term |
|---|---|---|---|---|
| 3 MONTH CERTIFICATE | $2500 | 1.00% | 1.00% | 3 |
| 6 MONTH CERTIFICATE | $2500 | 1.50% | 1.50% | 6 |
| 1 YEAR CERTIFICATE | $500 | 3.25% | 3.29% | 12 |
| 13 MONTH SHARE CERTIFICATE SPECIAL | $500 | 4.50% | 4.57% | 13 |
| 18 MONTH SHARE CERTIFICATE | $500 | 3.00% | 3.03% | 18 |
| 2 YEAR SHARE CERTIFICATE | $500 | 3.25% | 3.30% | 24 |
| 3 YEAR SHARE CERTIFICATE | $500 | 2.50% | 2.53% | 36 |
| 4 YEAR SHARE CERTIFICATE | $500 | 2.50% | 2.53% | 48 |
| 5 YEAR SHARE CERTIFICATE | $500 | 2.50% | 2.53% | 60 |
*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of Directors. A complete description of these accounts is available upon request, and will be provided at account opening.
Fees could reduce earnings on the account. The account requires a minimum opening deposit based on term and APY and is listed above. Early withdrawal(s) may be subject to either the Regulation D Penalty or the Early Withdrawal Fee. Some exceptions may apply.
The Regulation D Penalty is 7 days' simple interest and applies to:
- Withdrawals made within 7 days of account opening including the opening day.
- Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured Share Certificate balance.
Withdrawals made after the first 7 days of account opening are subject to the Early Withdrawal Fee below:
- For terms less than three months (or less than 90 days), the fee is one month's interest.
- For terms three months (or 90 days) through 12 months (or 365 days), the fee is three months' interest.
- For terms over 12 months through 24 months, the fee is six months' interest.
- For terms over 24 months, the fee is 12 months' interest.
Share Savings Rates Effective: May 12, 2023
CONSUMER CREDIT CARD INTEREST RATES
Your credit card interest rate doesn’t have to break your budget at Levo Credit Union. Here’s what you can expect currently:
| Credit Card | APR* |
|---|---|
| BETTER REWARDS VISA® CREDIT CARD | 16.74% |
| BETTER RATE VISA® CREDIT CARD OR SECURED VISA® CREDIT CARD | 15.24% |
*APR - Annual Percentage Rate. Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.