Deposit Rates
| Account Type | Rate | APY* | Minimum Deposit | Minimum Balance to Earn |
|---|---|---|---|---|
| Patriotic Checking | 1.00% | 1.01% | $5.00 | $50.00 |
| United Checking | 1.00% | 1.01% | $250.00 | $250.00 |
| Freedom Checking | 0.00% | 0.00% | $0.00 | N/A |
*APY = Annual Percentage Yield. APY is Instep’s current rate. Effective Date: 10/17/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. | ||||
| Account Type | Rate | APY* | Minimum Deposit | Minimum Balance to Earn |
|---|---|---|---|---|
| Regular Share | 0.40% | 0.40% | $5.00 | $50.00 |
| Instep Kids & Teen Savings | 4.00% | 4.09% | No Minimum | $0.01 |
| Christmas Club | 3.00% | 3.05% | No Minimum | $0.01 |
| Summer Club | 3.00% | 3.05% | No Minimum | $0.01 |
| Business Savings | TBD | TBD | $100.00 | TBD |
*APY = Annual Percentage Yield. APY is Instep’s current rate. Effective Date: 10/17/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. | ||||
| Account Term | Rate | APY* | Minimum Deposit | Minimum Balance to Earn |
|---|---|---|---|---|
| 6 months | 2.35% | 2.38% | $500.00 | $500.00 |
| 12 months | 2.35% | 2.38% | $500.00 | $500.00 |
| 24 months | 2.60% | 2.63% | $500.00 | $500.00 |
| 36 months | 2.60% | 2.63% | $500.00 | $500.00 |
*APY = Annual Percentage Yield. APY is Instep’s current rate. Effective Date: 10/17/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. | ||||
| Rate | APY* | Minimum Deposit | Minimum Balance to Earn |
|---|---|---|---|
| 1.25% | 1.26% | $0.01 | $0.01 |
| 1.50% | 1.51% | $10,000.01 | $10,000.01 |
| 1.75% | 1.76% | $20,000.00 | $20,000.00 |
*APY = Annual Percentage Yield. APY is Instep’s current rate. Effective Date: 10/17/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. | |||
| Term | Dividend Rate | APY* |
|---|---|---|
| Minimum Balance: $500 - $4,999.99 | ||
| 3 Months | 2.35% | 2.38% |
| 6 Months | 2.35% | 2.38% |
| 9 Months | 2.60% | 2.63% |
| 1 Year | 2.60% | 2.63% |
| 2 Years | 2.85% | 2.89% |
| 3 Years | 2.85% | 2.89% |
| Mini-Jumbo Minimum Balance: $5,000 - $14,999.99 | ||
| 3 Months (Mini-Jumbo) | 2.60% | 2.63% |
| 6 Months (Mini-Jumbo) | 2.60% | 2.63% |
| 9 Months (Mini-Jumbo) | 2.85% | 2.89% |
| 1 Year (Mini-Jumbo) | 2.85% | 2.89% |
| 2 Years (Mini-Jumbo) | 3.10% | 3.15% |
| 3 Years (Mini-Jumbo) | 3.10% | 3.15% |
| Jumbo Minimum Balance: $15,000 - $24,999.99 | ||
| 3 Months (Jumbo) | 2.85% | 2.89% |
| 6 Months (Jumbo) | 2.85% | 2.89% |
| 9 Months (Jumbo) | 3.10% | 3.15% |
| 1 Year (Jumbo) | 3.10% | 3.15% |
| 2 Years (Jumbo) | 3.35% | 3.41% |
| 3 Years (Jumbo) | 3.35% | 3.41% |
| Super Jumbo Minimum Balance: $25,000 - $100,000 | ||
| 3 Months (Super Jumbo) | 3.10% | 3.15% |
| 6 Months (Super Jumbo) | 3.10% | 3.15% |
| 9 Months (Super Jumbo) | 3.35% | 3.40% |
| 1 Year (Super Jumbo) | 3.35% | 3.40% |
| 2 Years (Super Jumbo) | 3.60% | 3.67% |
| 3 Years (Super Jumbo) | 3.60% | 3.67% |
*APY = Annual Percentage Yield. APY is Instep’s current rate. Effective Date: 10/17/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. | ||
Loan Rates
Loan Products
An original credit application must be accompanied by the most recent original pay stub for applicants, co-applicants, and co-makers. Instep Credit Union has the right to request additional documentation to substantiate loan application requests such as complete tax returns or proof of payment.
| Loan Type | APR* as low as | Term |
|---|---|---|
| New and Used Auto | 3.75%* | Up to 72 Months* |
| Recreational Vehicles | 3.75%** | Up to 96 Months* |
*Rates shown are the lowest available from Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Terms avaiable up to 72 months; other rates and terms are also available. Rates are current as of the date published, are subject to change without notice, and are based on credit worthiness. Not all applicants will qualify, and your rate may differ. Rates shown include a 1.00% APR discount for members with an active direct deposit and a 0.25& APR discount for a 48-month loan term. Terms and conditions apply. Example payment: A $20,000 auto loan finaced for 48 months at 3.25% APR would have an estimated monthly payment of $444.93. No payments up to 60 days are available on qualifying loans. Interest will continue to accruse during the no-payment period. See the credit union for complete details. Federally insured by NCUA.
**Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Sample auto loan is $50,000 for 36 months at a rate of 4.24%. APR is 4.34%, which includes a $75.00 Loan Documentation Fee, estimated payment of $1,481.69, max LTV of 100%. Final rate and term determined by collateral. APR and estimated monthly payment calculated using sample amount listed (which includes a $50 application fee) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value. | ||
| Loan Type | APR* as low as | Term |
|---|---|---|
| Home Equity Lines of Credit (HELOC) | 7.00% | 15 years |
| Home Improvement | 7.50% | Up to 96 Months* |
| Whole Home Generator | 5.99% | Up to 60 months |
| Mortgage APR* is available upon request. Apply here will bring you to the application with our partner, Member's First Mortgage. Please call 504-394-5574 for any questions. | ||
*APR= Annual Percentage Rate. All rates, fees, and terms are subject to change, not guaranteed, and are based on credit qualifications and lending guidelines. $100 Application Fee required. | ||
| Loan Type | APR* as low as | Term |
|---|---|---|
| Life Style Loan | 8.00% | Up to 12 Months* |
| Debt Consolidation | 8.00% | Up to 84 Months* |
| Personal/Signature | 8.00% | Up to 84 Months* |
| Tuition | 7.50% | 12 Months |
*Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. APR and estimated monthly payment calculated using sample amount listed (which includes a $50 application fee for personal loans and $100 application fee for generator and pool loans) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value. | ||
| Account Type | APR* as low as |
|---|---|
| Visa® Platinum | 8.9% |
| Visa® Classic | 10.9% |
| Secured Visa® | 10.9% |
| *See our Visa® Disclosure for rates and additional information. | |