Loans

Personal Loans

Type Term APR
Signature Loan Max. 60 months Starting at 8.99%
Share Secured Loan Current dividend rate + 3%
Apply Payment Example: A loan for 60 months at 8.99% APR will have a monthly payment of $20.75 per $1,000 borrowed.

Personal Line of Credit

Type Term APR
Line of Credit Revolving Starting at 8.99%
Apply

Auto Loans

Type Term APR
New, Used or Refi 0 to 36 months Starting at 1.99%
37 to 48 months* Starting at 3.24%
49 to 66 months* Starting at 3.49%
67 to 78 months* Starting at 3.74%
Apply Payment Example: A loan for 60 months at 3.49% APR will have a monthly payment of $18.19 per $1,000 borrowed.

Recreational Vehicle Loans

Type Term APR
All 0 to 144 months Starting at 4.75%
Apply Payment Example: A loan for 60 months at 5.25% APR will have a monthly payment of $18.99 per $1,000 borrowed.

Mortgage Loans

Click here to see current market home loan rates and apply online.

Commercial Loans

Click here to contact a commercial lender and learn about commercial loan rates.

Home Equity Lines of Credit

HELOC rates are tied to the prime rate. Click here to learn more and apply or contact us for more information.

Account Rates

Checking Accounts

Account Dividend Rate Blended APY
Premium Checking
$0 – $15,000 2.95950% 3.00%
$15,000.01 to $100,000 2.01% 2.99% to 2.17%
$100,000.01 to $250,000 1.50% 2.17% to 1.77%
More than $250,000 1.00% 1.77% to 1.00%
When Premium Perks Qualifiers not met: 0.05000% 0.05%
Dividend Rate applies to portion of daily balance within corresponding range. Blended APY represents yield on whole balance.

*Conditions must be met to qualify for 3% APY. See Checking Account Details for more information. 0.05% APY earned when conditions are not met.

 

Account Dividend Rate APY
Orion Checking 0.05% 0.05%

Primary Share (Savings) Accounts

Balance Dividend Rate APY
Any Balance 0.05% 0.05%

$25 to open

IRA Savings Accounts

Balance Dividend Rate APY
Any Balance 0.25% 0.25%

Christmas Club Account

Balance Dividend Rate APY
Any Balance 0.05% 0.05%

Miscellaneous Share Account

Balance Dividend Rate APY
Any Balance 0.05% 0.05%

Money Market Account

Balance Dividend Rate APY
$0 – $9,999 0.01% 0.01%
$10,000 – $24,999 0.05% 0.05%
$25,000 – $49,999 0.10% 0.10%
$50,000 – $99,999 0.19982% 0.20%
$100,000 and over 0.24971% 0.25%

Dividend rate based on average daily balance. Corresponding rate applies to entire account balance.

Share Certificates (CDs)

Term in Months Dividend Rate APY
6 1.2429% 1.25%
12 1.8345% 1.85%
24 2.1291% 2.15%
36 2.2271% 2.25%
48 2.2761% 2.30%
60 2.3251% 2.35%

Minimum $500 balance. Early withdrawal fees apply.

IRA Certificates

Term Months Dividend Rate APY
12 1.8345% 1.85%
24 2.1291% 2.15%
36 2.2271% 2.25%
60 2.3251% 2.35%

Fees may reduce earnings. $500 minimum investment.

*Revised 1/2/2020. Rates are subject to change.

Premium Perks: 1) Premium Interest, (2) ATM Fee Reimbursement, and (3) Waiver of the $5 monthly fee. To receive the Premium Perks, you must meet the Premium Perks Qualifiers on your Premium Checking account for the applicable month. Premium Perks Qualifiers: (1) Deposit at least $500 electronically (direct deposit, ATM deposit, mobile deposit, or transfer from another institution) and (2) Perform at least 8 signature-based debit card transactions. Premium Interest Rules: On daily balance of $0 to $15,000, Annual Percentage Yield (APY) is 3.00%. Depending on the balance, the following ranges apply. On $15,000.01 to $100,000, APY is 2.99% to 2.17%. On $100,000.01 to $250,000, APY is 2.17% to 1.77%. For over $250,000, APY is 1.77% to 1.00%. If Premium Perks Qualifiers are not met all account balances receive 0.05% APY. One account per individual member. ATM Fee Reimbursement Rules: (1) There are no fees for using your Orion card at an Orion-owned ATM (2) Qualifying Fees are fees charged by the owner of a non-Orion ATM that are less than $10.00 per transaction for any of the following transactions: Withdrawal of at least $10.00, Balance inquiry, or Balance transfer. (Remember that you may make balance inquiries and transfers instantly from our mobile app for free). Orion will reimburse Qualifying Fees totaling up to $10.00. Orion will waive the fees Orion normally charges for “Withdrawals, Transfers, or Balance Inquiries at non-Orion ATMs” without reducing your $10.00 limit. ATM Fee Reimbursement will be applied on the last day of each month. Account must be open at time of reimbursement. Please save your receipt to resolve any discrepancies. When you do not meet the Premium Perks Qualifiers, you will incur a $5 monthly fee and receive 0.05% APY on your entire balance. Insured by NCUA. APYs and APR are accurate as of 12/1/19 and are subject to change after account opening. Fees may reduce earnings. Conditions apply.