Loans
Personal Loans
| Type | Term | APR |
|---|---|---|
| Signature Loan | Max. 60 months | Starting at 8.99% |
| Share Secured Loan | Current dividend rate + 3% |
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% |
*$20,000 minimum loan amount for terms of 72 months or more.
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 | APY |
|---|---|---|
| Premium Checking | ||
| $0 – $15,000 | 2.95950% | 3.00% |
| $15,000.01 to $100,000 | 2.05% | 2.99% to 2.20% |
| $100,000.01 to $250,000 | 1.50% | 2.20% to 1.78% |
| More than $250,000 | 1.00% | 1.78% to 1.00% |
*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.
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 2.20%. On $100,000.01 to $250,000, APY is 2.20% to 1.78%. For over $250,000, APY is 1.78% 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.
