Avista Corp. CU Go to main content

Rates

Dividend / Interest Bearing Accounts
Effective Date: Tuesday, October 23rd, 2018
TypeAPY*Term
Savings 0.8540% N/A
General Savings account (Minimum $5.00 balance requirment for open and active account)
Debit 0.2500% N/A
General DDA account (Minimum $5.00 balance requirment for open and active account)
1 year CD 1.3590% 12 Months
1 year Certificate of Deposit ( Penalty will or may be imposed for early withdrawal of funds)
*APY = Annual Percentage Yield
Disclosure:
  •      Any fee's assessed to account (Example: Non Sufficient Funds Fee) could reduce the earning on the account.
  •      For term accounts (Certificate of deposit), a penalty of 90 days interest will or may be imposed on the early withdrawal amount.

Consumer Loans
Effective Date: Tuesday, October 23rd, 2018
TypeAPR*TermDescription
Share Secured
Variable Rate 2.85% 120 Months Loan secured against your shares
New Auto Loans

as low as

$295 a month based on a 6 year, $20,000.00 loan at 2.00% APR.

3.00% 72 Months NEW
Used Auto Loans

as low as

$299.40 a month based on a 6 year, $20,000.00 loan at 2.50% APR.

3.25% 72 Months 2008 and Newer
New RV's ,Boats and Motorcycles

as low as

$299.40 a month based on a 6 year, $20,000.00 loan at 2.50% APR.

3.75% 72 Months NEW
Used RV's and Boats maximum 10 years old

as low as

$303.85 a month based on a 6 year, $20,000.00 loan at 3.00% APR.

4.00% 72 Months 2008 and Newer
Other Secured - Any Titled Collateral

as low as

$312.87 a month based on a 6 year, $20,000.00 loan at 4.00% APR.

4.25% 60 Months New - 100% of MSRP
Signature
$197.97 a month based on a 5 year, $10,000.00 loan at 7.00% APR. 8.75% 60 Months Up to 3 times monthly salary
Dam Credit Card
Variable Rate (based on Wall Street Journal ) as low as 7.99% Revolving Up to 3 times monthly salary
*APR = Annual Percentage Rate
Disclosure
  • Max loan amount not to exceed $300,000.00
  • "As low as" rate applies to 80% or less LTV of purchase price or NADA value whichever is less and 72 months or less.
  • Your rate may be higher depending on credit score
  • Terms 72 months and less are fixed for the duration of the loan
  • Terms over 72 months available with increase in interest rate and call option requirment on collateralized loans. (Restrictions apply see Credit Union for Details.)
  • Rate match on consumer loans available (restrictions apply see Credit Union for details).
  • Credit Card Disclosure
  • $221.25 a month based on a 6 year, $15,000.00 loan at 2.00% APR.

First Mortgages
Effective Date: Tuesday, October 23rd, 2018
TypeRateAPR*TermDescription
10 Year 4.00% 4.26% 120 Months Fixed rate for 10 years
15 Year 4.25% 4.44% 180 months Fixed for first 10 years, 11th-15th year fixed at then current rate
30 Year 4.50% 4.61% 360 Months 10-10-10 (fixed for first 10 years, at the beginning of the 11th & 21st years the rate will be adjusted and fixed for the next 10 years at the current rate
*APR = Annual Percentage Rate
Disclosure
  • Max Loan amount not to exceed $300,000.00
  • Down payment of 20% on home purchases required
  • All mortgage loans not to exceed 80% LTV
  • Exception to LTV may be requested and considered by Credit Union
  • 10 year mortgage is fixed for entirety of loan
  • 15 year mortgage is fixed for first 10 years, at the end of the 10th year will adjust to the THEN current rate and fixed for final five years
  • 30 year mortgage is a 10/10/10 mortgage , fixed for first 10 years, will adjust at end of 10th year and be fixed at THEN current rate and will be fixed from11th year to end of 20th year.  At end of 20th year the loan will adjust again to the THEN current rate and will continue at that rate to completion at the 30th year.
  • No Prepayment Penalties
  • .50% Origination fee charged on all mortgage loans
  • $1,524.11 Principal and Interest payment of 15 year mortgage at 4.25% (4.4353% APR) with original balance of $200,000.00

Second Mortgages
Effective Date: Tuesday, October 23rd, 2018
TypeAPR*TermDescription
7 Year 5.00% 84 Months Fixed for 7 years
HELOC
Variable Rate WSJ +.25% 240 Months HELOC 10 year Draw period
Dislcosure:
  • Variable Rate adjusts quarterly with max adjustment 1.25% per quarter not to exceed 6.00% above original non discounted rate.
  • .25% rate discount avaiable if Avista has current first mortgage on property.
  • Floor rate of 3.25%
  • Prepayment penalty applicable on HELOC if paid off and closed prior to one year from origination date of loan.
  • The Annual percentage Rate may vary after HELOC account has been opened.

Go to main navigation