Account Rates
Checking Accounts
| Premium Checking | ||
|---|---|---|
| When Premium Perks Qualifiers are Met. | ||
| Balance |
Dividend Rate (Applies to Portion of Your Balance Within the Range) |
APY (Represents the Yield of Your Entire Balance) |
| $0 to $10,000 | 5.95203% | 6.00% |
| $10,000.01 to $75,000 | 1.75000% | 6.00% to 2.34% |
| $75,000.01 to $100,000 | 3.00000% | 2.34% to 2.54% |
| Over $100,000 | 5.00000% | 2.54% to 5.06% |
| Example Rate of Return When Premium Perks Qualifiers are Met. | ||
| Initial Balance | Annual Dividends | APY |
| $10,000.00 | $600.00 | 6.00% |
| $25,000.00 | $864.62 | 3.46% |
| $50,000.00 | $1,305.64 | 2.61% |
| $100,000.00 | $2,540.40 | 2.54% |
| $250,000.00 | $10,214.68 | 4.09% |
| Annual Percentage Yield (APY) is accurate as of 5/1/2023 and subject to change after account opening. Advertised APY assumes Premium Perks Qualifiers are met. When qualifiers are met, on balances up to $10,000, 6.00% APY; on balances from $10,000.01 to $75,000, 6.00% to 2.34% APY; on balances from $75,000.01 to $100,000, 2.34% to 2.54% APY; on balances over $100,000, 2.54% to 5.06% APY. If qualifiers are not met, 0.01% APY on entire balance. Visit OrionFCU.com for Premium Perks Qualifiers. Fees may reduce earnings. Insured by NCUA. | ||
| Account | Dividend Rate | APY |
|---|---|---|
| Orion Checking | 0.01% | 0.01% |
See Checking Account Details and Account Disclosures for important terms and conditions, including how to meet the Premium Perks Qualifiers. All Premium Checking rates above are those expected to be declared on the next dividend declaration date (last day of the month) but are subject to change until declared.
Primary Share (Savings) Accounts
| Balance | Dividend Rate | APY |
|---|---|---|
| Any Balance | 0.01% | 0.01% |
$5 to open
IRA Savings Accounts
| Balance | Dividend Rate | APY |
|---|---|---|
| Any Balance | 0.01% | 0.01% |
Christmas Club Account
| Balance | Dividend Rate | APY |
|---|---|---|
| Any Balance | 0.01% | 0.01% |
Miscellaneous Share Account
| Balance | Dividend Rate | APY |
|---|---|---|
| Any Balance | 0.01% | 0.01% |
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 and APY apply to entire balance when the daily balance falls in the corresponding range.
Share Certificates (CDs)
| Term in Months | Dividend Rate | APY |
|---|---|---|
| 6 | 3.92849% | 4.00% |
| 12 | 4.16939% | 4.25% |
| 13 | 5.36604% | 5.50% |
| 24 | 2.4718% | 2.50% |
| 36 | 2.2761% | 2.30% |
| 48 | 2.22713% | 2.25% |
| 60 | 1.97208% | 1.99% |
Minimum $500 balance. Early withdrawal fees apply.
IRA Certificates
| Term Months | Dividend Rate | APY |
|---|---|---|
| 12 | 4.16939% | 4.25% |
| 24 | 2.4718% | 2.5% |
| 36 | 2.2761% | 2.3% |
| 60 | 1.97208% | 1.99% |
Minimum $500 balance. Early withdrawal fees apply.
Loans
Personal Loans/Lemonade Loans
| Type | Term | APR |
|---|---|---|
| Personal Loan | Max. 60 Months | Starting at 15.99% |
| Lemonade Loan | Max. 60 Months | Starting at 15.99% |
| Share Secured Loan | Current dividend rate + 3% | |
| Personal Line of Credit | Revolving | Starting at 13.99% |
Applicants must be a resident of Tennessee, Arkansas, or Mississippi. Existing members outside of this service area can contact Orion for more information.
Payment Example: A Lemonade Loan at max rate of 28% APR and loan amount of $2000 for 12 months will have a monthly payment of $196.06.
Payment Example: A Personal Loan at max rate of 28% APR and loan amount of $2000 for 12 months will have a monthly payment of $193.06.
Auto Loans
| Term | APR |
|---|---|
| Max. 84 Months | *Starting at 7.54% |
*Rates based on Relationship Banking.
Mortgage Loans
Click here to see current market home loan rates and apply online.
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.