Deposit & loan rates
Every rate we offer, on one page.
Savings, certificates, and loans, all on one page. Each table carries its own effective date, so you can see how current it is before you call.
Deposit rates effective August 31, 2026. Certificate rates effective September 18, 2026. Fee schedule effective 7/1/2024.
Today’s headline rates
The numbers members ask about most.
Every rate Ridgeline publishes is in the tables below. These four are the ones the phone rings about.
What we pay you
Savings and checking rates.
These are the deposit rates Ridgeline publishes, with the minimum balance required to earn each one. Share account rates are variable and can change after your account is opened.
Savings accounts
Effective August 31, 2026
| Savings accounts | |||
| Account | Minimum balance required | Rate | APY |
|---|---|---|---|
| Regular Shares | $50.00 | 0.10% | 0.10% APY |
| Super Saver | $2,500.00 | 1.00% | 1.01% APY |
| Super Saver | $20,000.00 | 1.25% | 1.26% APY |
| Christmas Club | $0.00 | 0.10% | 0.10% APY |
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Escrow, retirement, and health savings
Effective August 31, 2026
| Account | Rate | APY |
|---|---|---|
| Escrow Savings | 0.10% | 0.10% APY |
| IRA Savings | 0.20% | 0.20% APY |
| Health Savings (HSA) | 0.10% | 0.10% APY |
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Checking
Effective August 31, 2026
| Account | Minimum balance required | Rate | APY |
|---|---|---|---|
| Checking | $100.00 | 0.05% | 0.05% APY |
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Fixed for the term
Certificate rates.
A certificate holds its rate for the whole term. It takes $500 to open one, and terms run from 6 months to 60 months. The longer the term, the higher the rate.
Certificates
Effective September 18, 2026
| Term | Minimum balance required | Rate | APY |
|---|---|---|---|
| 6 Months | $500.00 | 3.68% | 3.75% APY |
| 12 Months | $500.00 | 3.78% | 3.85% APY |
| 24 Months | $500.00 | 3.97% | 4.05% APY |
| 36 Months | $500.00 | 4.02% | 4.10% APY |
| 48 Months | $500.00 | 4.07% | 4.15% APY |
| 60 Months | $500.00 | 4.11% | 4.20% APY |
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Early Withdrawal Penalty Applies For Early Withdrawals/Early Maturity. Please See Terms and Conditions Within Our New Account Booklet For More Information.
Traditional and Roth IRAs
Ridgeline offers Traditional and Roth IRAs. There is no minimum balance and there are no fees, and contributions can be tax-deductible.* The IRA Savings rate is in the deposit table above.
*Consult a tax professional for deductibility of contributions. Contribution limits and tax treatment are set by the IRS, not by the credit union.
What you pay us
Vehicle, RV, and off-road loan rates.
Rates shown are the lowest available. The rate you get depends on your credit history, the term, and the model year of what you are buying. Every vehicle loan is financed up to 110% of NADA Clean Retail value.
Vehicle, RV, and off-road loans
Rates subject to change
| Loan | Term | Rate | Value maximums |
|---|---|---|---|
| Vehicle and street motorcycle, 2016 and newer except noted | Up To 5 Years | 4.74% | 110% NADA CLEAN RETAIL |
| Vehicle and street motorcycle, 2016 and newer except noted | 6 Years | 4.99% | 110% NADA CLEAN RETAIL |
| Vehicle and street motorcycle, 2016 and newer except noted | 7 Years | 5.24% | 110% NADA CLEAN RETAIL |
| RV and boat, new and used | Up To 10 Years* | 7.25%* | 110% NADA CLEAN RETAIL |
| ATV, off road motorcycle, and small watercraft, new and used | Up To 5 Years* | 8.25%* | 110% NADA CLEAN RETAIL |
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Vehicle and street motorcycle: HIGHER RATES MAY APPLY FOR MEMBERS WITH AN EXPERIAN FICO CREDIT SCORE LESS THAN 670. 7 YEAR TERM ONLY: MINIMUM LOAN IS $25,000. MODEL YEARS 2022-2025 ONLY. MUST HAVE AN EXPERIAN FICO CREDIT SCORE OF 670 OR GREATER. RV and boat: ON APPROVED CREDIT ONLY. HIGHER RATES AND SHORTER TERMS MAY APPLY FOR MEMBERS WITH AN EXPERIAN FICO CREDIT SCORE LESS THAN 700. MODEL YEARS 2010 AND NEWER ONLY. ATV, off road motorcycle, and small watercraft: ON APPROVED CREDIT ONLY. HIGHER RATES AND LOWER VALUE MAXIMUM MAY APPLY FOR MEMBERS WITH AN EXPERIAN FICO CREDIT SCORE LESS THAN 700. MODEL YEARS 2010 AND NEWER ONLY.
Home lending
Mortgage and home equity lending.
Ridgeline does not publish a mortgage or home equity rate. Mortgages are handled by our partner, The Mortgage Partner, and a home equity line of credit is quoted when you apply. Call (801) 328-1521 for current rates.
Mortgages
Ridgeline Credit Union has partnered with The Mortgage Partner for our members' long term mortgage loan needs. The Mortgage Partner offers traditional mortgage loans with terms up to 30 years.
Because the loan is written by The Mortgage Partner, no mortgage rate is posted here. Call (801) 328-1521 Monday through Friday, 9:00 AM to 5:00 PM, and we will point you to a current quote.
Home equity
If you own your home, chances are you're sitting on cash in the form of home equity. At Ridgeline Credit Union we can help you put that equity to work with a Home Equity Line of Credit, or HELOC. Members use one to make home improvements, take a vacation, or consolidate debt.
No home equity rate is posted. Call (801) 328-1521 for a current quote. *Consult a tax professional for deductibility of interest.
Everything else
Personal loans and credit cards.
Ridgeline offers one credit card, the Visa Platinum, alongside signature and share secured loans. The card charges a 1% foreign transaction fee and no balance transfer fee.
Personal loans
Rates subject to change
| Loan | Term | Rate | Notes |
|---|---|---|---|
| Signature loan | Up to 5 Years* | 12.50%* | *ON APPROVED CREDIT ONLY. MONTHLY PAYMENT IS $25 OR 3.50% OF MONTH END BALANCE. |
| Share secured loan | Up to 7 Years* | 3% ABOVE EARNING RATE | The rate is 3% above the rate the shares you pledge are earning. |
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Credit cards
Rates subject to change
| Card | Purchase APR | Balance transfer | Foreign transaction fee |
|---|---|---|---|
| Visa Platinum | 8.90% to 18.00% APR | No balance transfer fees | 1% |
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Loans subject to credit approval. Annual Percentage Rate between 8.90% – 18.00% APR based on creditworthiness. 1% foreign transaction fee. Membership required – based on eligibility. There is a 25 day grace period on all new purchases if the balance is paid in full.
Plain English
How to read a rate table.
A few terms do most of the work on this page. Here is what they actually mean.
APY is what you earn
Annual Percentage Yield includes compounding, so it is the honest number for comparing savings accounts and certificates.
Rate and APR are not the same
Ridgeline posts a Rate on vehicle and personal loans and an APR on the Visa Platinum. APR includes a loan’s fees, not just interest, so it is the number to compare between lenders.
Posted rates are the lowest available
Higher rates may apply for members with an Experian FICO credit score below the threshold noted under each loan table. We tell you your actual rate before you sign anything.
Variable versus fixed
Share and checking dividend rates are variable and can change after your account is opened. A certificate holds its rate for the whole term.
110% NADA Clean Retail
That is the ceiling on how much we will lend against a vehicle: up to 110% of its NADA Clean Retail value, not the sticker price at the dealership.
Want your actual number?
Call (801) 328-1521 Monday through Friday, 9:00 AM to 5:00 PM, and someone who works here will run it with you.
Questions
About these rates.
Why do the tables on this page have three different dates?
Because each schedule is updated on its own cycle. Deposit rates are effective August 31, 2026. Certificate rates are effective September 18, 2026. The fee schedule is effective 7/1/2024. We show the date on each table so you know exactly how current the number you are reading is.
What is the difference between the rate and the APY?
The rate is the plain dividend rate. The APY, or Annual Percentage Yield, adds in the effect of compounding over a full year, which makes it slightly higher. On Regular Shares the two are the same at 0.10%. On the $20,000.00 Super Saver the rate is 1.25% and the APY is 1.26%. Use the APY when you are comparing us to another institution.
What does it take to open an account and get these rates?
A $25.00 share deposit. That deposit represents your share in the credit union and it stays in your Regular Shares account. There is no online application. You complete a paper Membership Application at our office at 564 East 300 South, Salt Lake City, UT 84102, or call (801) 328-1521 and we will mail one to you.
Where are your mortgage rates?
They are not on this page, because we do not write the loan. Ridgeline Credit Union has partnered with The Mortgage Partner for our members’ long term mortgage loan needs, with terms up to 30 years. Call (801) 328-1521 Monday through Friday, 9:00 AM to 5:00 PM, and we will point you to a current quote.
How much will you lend against a vehicle?
Up to 110% of NADA Clean Retail value. That is the ceiling on vehicle and street motorcycle loans, RV and boat loans, and ATV, off road motorcycle, and small watercraft loans. It is based on the guide value of what you are buying, not the sticker price at the dealership, so the two numbers often do not match.
Why might my rate be higher than the one posted?
Posted rates are the lowest available. Higher rates may apply for members with an Experian FICO credit score less than 670 on vehicle, street motorcycle, and Visa Platinum loans, and less than 700 on RV, boat, ATV, off road motorcycle, and small watercraft loans. All loans are on approved credit only. We tell you your actual rate before you sign anything.
Rate disclosures
Deposit accounts. APY = Annual Percentage Yield. Deposit rates shown on this page are effective August 31, 2026 and are accurate as of that date. Share and checking dividend rates are variable and may change at any time after your account is opened. Fees may reduce earnings. Membership requires a $25.00 share deposit, which represents your share in the credit union, and a paper Membership Application completed at our office or mailed to you on request. Membership eligibility required.
Certificates. Certificate rates shown on this page are effective September 18, 2026. $500.00 minimum deposit to open. Terms run from 6 months to 60 months and the rate is fixed for the full term. Early Withdrawal Penalty Applies For Early Withdrawals/Early Maturity. Please See Terms and Conditions Within Our New Account Booklet For More Information. IRA contribution limits and tax treatment are governed by IRS rules, not by the credit union. Consult a tax professional.
Loans. All loans are subject to credit approval and membership eligibility. Posted rates are the lowest available and your rate may be higher. Vehicle, street motorcycle, RV, boat, ATV, off road motorcycle, and small watercraft loans are financed to a maximum of 110% NADA Clean Retail value. ON APPROVED CREDIT ONLY. HIGHER RATES MAY APPLY FOR MEMBERS WITH AN EXPERIAN FICO CREDIT SCORE LESS THAN 670. 7 YEAR TERM ONLY: MINIMUM LOAN IS $25,000. MODEL YEARS 2022-2025 ONLY. MUST HAVE AN EXPERIAN FICO CREDIT SCORE OF 670 OR GREATER. RV, boat, ATV, off road motorcycle, and small watercraft loans: HIGHER RATES AND SHORTER TERMS MAY APPLY FOR MEMBERS WITH AN EXPERIAN FICO CREDIT SCORE LESS THAN 700. MODEL YEARS 2010 AND NEWER ONLY. Signature loans: MONTHLY PAYMENT IS $25 OR 3.50% OF MONTH END BALANCE, WHICHEVER IS GREATER. MAXIMUM $5,000.00 ON APPROVED CREDIT. Share secured loans are written at 3% above the rate the pledged shares are earning.
Mortgages and home equity. Ridgeline Credit Union has partnered with The Mortgage Partner for our members’ long term mortgage loan needs. Mortgage loans are written by The Mortgage Partner, not by the credit union. No mortgage or home equity line of credit rate is posted on this page. Call (801) 328-1521 for a current quote.
Visa Platinum. Loans subject to credit approval. Annual Percentage Rate between 8.90% – 18.00% APR based on creditworthiness. 1% foreign transaction fee. No balance transfer fees. There is a 25 day grace period on all new purchases if the balance is paid in full. Membership required, based on eligibility.
Fees. The fee schedule is effective 7/1/2024. The loan late fee is $20.00 or 5% of the payment, whichever is greater. See the full fee schedule for every fee that may be assessed against your account.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Ridgeline Credit Union is an Equal Housing Lender. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act. Routing Number: 324078417. NMLS #402443.