Rates & Fees

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Rates
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Rates

We break down the rates for several key services by balance, term, and credit score. These rates depend on the specific product.

Personal Primary Savings

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Balance	Dividend Rate	APY*
$0 – $99	0.00%	0.00%
$100 – $2,499	0.05%	0.05%
$2,500 – $4,999	0.05%	0.05%
$5,000 +	0.05%	0.05%

* APY is Annual Percentage Yield and accurate as of 07/01/2020 and is subject to change without notice. $5 minimum balance required to open.

Personal High-Yield Savings

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Balance	Dividend Rate	APY*
$0 – $9,999	0.00%	0.00%
$10,000 – $24,999	0.10%	0.10%
$25,000 – $49,999	0.15%	0.15%
$50,000 – $99,999	0.20%	0.20%
$100,000 – $249,999	0.25%	0.25%
$250,000+	0.30%	0.30%

* APY is Annual Percentage Yield and accurate as of 04/01/2021 and is subject to change without notice. No minimum balance required to open.

Personal IRA Savings

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Balance	Dividend Rate	APY*
$0 – $99	0.00%	0.00%
$100 – $2,499	0.05%	0.05%
$2,500 – $4,999	0.05%	0.05%
$5,000 +	0.05%	0.05%

* APY is Annual Percentage Yield and accurate as of 07/01/2020. The Dividend Rate and APY (Annual Percentage Yield) are subject to change at any time, as determined by the Credit Union Board of Directors. The Savings IRA APY is based on credit union earnings and declared at the end of a dividend period (quarterly).

Personal IRA Certificates

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Term	Balance	Interest Rate	APY*
12 Months	$500+	3.83%	3.90%
18 Months	$500+	3.78%	3.85%
60 Months	$500+	3.15%	3.20%

* Annual Percentage Yield (APY) is effective as of 7/17/2023 and may change at any time. Early withdrawal on certificates of deposit could result in a substantial penalty. Minimum balance of $500 required to obtain the advertised APY. The Savings IRA APY is based on credit union earnings and declared at the end of a dividend period (quarterly).

Personal Classic Money Market

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Balance	Dividend Rate	APY*
$0 – $999	0.00%	0.00%
$1,000 – $24,999	0.10%	0.10%
$25,000 – $49,999	0.15%	0.15%
$50,000 – $99,999	0.20%	0.20%
$100,000 – $249,999	0.25%	0.25%
$250,000 +	0.30%	0.30%

* APY is Annual Percentage Yield and effective as of 04/01/2021. Rates subject to change without notice. Minimum balance of $1,000 is required to earn the advertised APY. Additional terms, conditions, and restrictions may apply.

Personal Certificate of Deposit (CD)

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Term	Balance	Interest Rate*	APY*
3 Months	$500+	3.89%	3.95%
6 Months	$500+	3.41%	3.45%
12 Months	$500+	3.94%	4.00%
18 Months	$500+	3.94%	4.00%
24 Months	$500+	3.41%	3.45%
36 Months	$500+	3.16%	3.20%
60 Months	$500+	3.16%	3.20%

* Annual Percentage Yield (APY) is effective as of 12/16/2024 and may change at any time. Minimum balance of $500 required to obtain the advertised APY.

Business Primary Savings

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Balance	Dividend Rate	APY*
$0 – $99	0.00%	0.00%
$100 – $2,499	0.05%	0.05%
$2,500 – $4,999	0.05%	0.05%
$5,000 +	0.05%	0.05%

* APY is Annual Percentage Yield and accurate as of 07/01/2020 and is subject to change without notice. $5 minimum balance required to open.

Business High-Yield Savings

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Balance	Dividend Rate	APY*
$0.01 – $250,000+	3.94%	4.0%

APY is Annual Percentage Yield and accurate as of 08/15/2023 and is subject to change without notice.

Business Money Market

Balance	Dividend Rate	APY*
$1,000 – $24,999	0.10%	0.10%
$25,000 – $49,999	0.15%	0.15%
$50,000 – $99,999	0.20%	0.20%
$100,000 – $249,999	0.25%	0.25%
$250,000+	0.30%	0.30%

* APY is Annual Percentage Yield and effective as of 05/01/2021. Rates subject to change without notice. Minimum balance of $1,000 is required to earn the advertised APY. Additional terms, conditions, and restrictions may apply.

Business Certificate of Deposit (CD)

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Term	Balance	Interest Rate*	APY*
3 Months	$500+	3.89%	3.95%
6 Months	$500+	3.41%	3.45%
12 Months	$500+	3.94%	4.00%
18 Months	$500+	3.94%	4.00%
24 Months	$500+	3.41%	3.45%
36 Months	$500+	3.16%	3.20%
60 Months	$500+	3.16%	3.20%

* Annual Percentage Yield (APY) is effective as of 11/20/2024 and may change at any time. Minimum balance of $500 required to obtain the advertised APY.

Personal Line of Credit

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Rates as Low as (APR*)
11.95%

* APR is Annual Percentage Rate. Rates effective as of 5/26/2023. Loan amounts may not exceed $25,000. Loans subject to credit approval. All loan rates based on creditworthiness and may vary.

Personal Loan

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Term	Rates as Low as (APR*)
0 – 36 Months	10.75%
37 – 60 Months	11.95%

* APR is Annual Percentage Rate. Rates effective as of 5/26/2023. Loan amounts may not exceed $25,000. Loans subject to credit approval. All loan rates based on creditworthiness and may vary.

* Payment example for a personal loan: 60-month personal loan of $10,000 at 10.57% APR will have an estimated monthly payment of $215.29 (not including taxes and fees).

Home Equity Loan

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Term	Rates as Low as (APR*)
60 Months	6.77%
120 Months	6.94%
180 Months	6.97%
240 Months	7.56%

If necessary, additional borrower fees may be required for appraisal, survey, and/or title company closing costs.

* APR is Annual Percentage Rate based on excellent credit. Your actual rate may vary based on your factors. All loans subject to credit and property approval. Subject to change or cancellation without notice. Check with an Amplify Real Estate Loan Specialist to determine the rate for which you qualify. Consult the Texas Home Equity Early Disclosure for more information. Under Texas law, the combined loan-to-value (CLTV) cannot exceed 80% of your home’s value. Payment Example: a home equity loan of $50,000 for 15 years at an interest rate of 6.90% would equal a payment of $448 per month with an APR of 6.97%. Please refer to our calculator to estimate your actual payment. Taxes and insurance for escrow payment are not included; your actual payment obligation will be higher. Property insurance required. Amplify membership required. Rates effective as of 08/29/2024.

** Amplify’s performance record for closing real estate loans starting from loan application (assuming a completed loan package has been submitted, including an executed purchase contract, if needed) to loan closing. Events outside of Amplify’s control, including but not limited to: market conditions, appraised values, escrow or title delays, or weather-related issues may prolong the process. Your experience may vary.

Home Equity Line of Credit

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Rates as Low as (APR*)
7.50%

* The Annual Percentage Rate (APR) is variable and is based on the highest Prime Rate published in The Wall Street Journal Money Rates Table (the “Index”), +/- a margin based on credit worthiness. Current Index is 7.50%. Maximum APR is 17.90%. This loan has a 10-yr Draw Period, followed by a 10-year repayment term. Property Insurance, including flood insurance as needed, is required. The combined loan-to-value cannot exceed 80% of fair market value. A minimum draw amount of $4,000 is required for each advance after the initial $10,000 advance at origination. Administrative fee of $325. Loan subject to credit approval. Additional terms, conditions, and restrictions may apply. Membership required. Subject to change or cancellation without notice. Rates effective 12/19/2024.

Home Improvement Loan

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Term	Rates as Low as (APR*)
60 Months	7.50%
72¹ Months	7.65%
96 Months	7.90%
120² Months	8.15%
180 Months	8.65%

¹Loan amounts less than or equal to $20,000 have a maximum term of 72 months (6 years)
²Loan amounts greater than $20,000—$50,000 have a maximum term of 120 months (10 years)

* Annual Percentage Rate (APR). Final rate and terms offered will be determined by your credit history and underwriting guidelines. Subject to credit approval. Homeownership and Amplify membership required; additional restrictions, limitations, and exclusions may apply; please contact an Amplify representative for further details. All Amplify loan programs, rates, terms and conditions are subject to change at any time without notice. Effective as of 11/5/2024.

* Payment example: 60-month home improvement loan of $10,000 at 7.5% APR will have an estimated monthly payment of $200.38 (not including taxes and fees).

Homeowner Express Loan

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Term	Rates as Low as (APR*)
0 – 36 Months	9.75%
37 – 60 Months	10.75%

* Payment example: 36-month homeowner express loan of $10,000 at 9.75% APR will have an estimated monthly payment of $321.50.

Homeowner Express Line of Credit

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Rates as Low as (APR*)
10.75%

Auto Loan (New/Used)

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Term	Rates as Low as (APR*)
0 – 48 Months	6.00%
49 – 66 Months	6.41%
67 – 75 Months	7.10%
76 – 84 Months	7.85%

* APR is Annual Percentage Rate. Rates effective as of 11/5/2024. Loans subject to credit approval. All loan rates based on creditworthiness and may vary. Check with a personal banker to determine the rate for which you qualify.

* Payment example: 66-month auto loan of $20,000 at 6.41% APR will have an estimated monthly payment of $360.38 (not including taxes and fees).

Motorcycle & RV

Term	Rates as Low as (APR*)
0 – 60 Months	7.65%
60 – 75** Months	9.90%
75 – 84** Months	10.65%

* APR is Annual Percentage Rate. Rates effective as of 5/26/2023. Loans subject to credit approval. All loan rates based on creditworthiness and may vary.

* Payment example: 60-month auto loan of $20,000 at 6.40% APR will have an estimated monthly payment of $423.96 (not including taxes and fees).

** Recreation vehicles only. Max term for motorcycle loans is 60 months.

Commercial Loan Rates

Looking for a loan to help finance your business? Before we can provide an estimate for any business-related loan, it is important that you talk to our Commercial Lending team. To get started, visit our Commercial Loans page or email our team.

Fees

See how fee-free banking impacts your Amplify checking or savings account, or review the fees associated with our lending services.

Banking Fees

Over the past few years, rising prices and record-high¹ bank fees have had a big impact on families across Texas. Our hope is that fee-free banking will offer a little financial breathing room for those who need it and make life easier for our members. Visit the Fee-Free Banking homepage to learn more.

Description	Amount
Account Maintenance Fee	$0.00
Cashier’s Checks / Official Checks	$0.00
Insufficient Funds Fee (NSF)	$0.00
Overdraft Fee	$0.00
Wire Transfer Fee (Domestic)	$0.00
Wire Transfer Fee (International)	$0.00
Account Closing Fee	$0.00
Account Inactivity Fee	$0.00
ATM Fees (In-Network)	$0.00
ATM Fees (Out-of-Network)²	$0.00
Bill Pay Fee	$0.00
Business Checking Fee	$0.00
Business Checking Activity Fee	$0.00
Business Money Market Balance Fee	$0.00
Check Order Fee (One Box Per Checking Account Per Year)	$0.00
Check Printing Fee	$0.00
Check Return Fee	$0.00
Check Withdrawals (Two-Party)	$0.00
Collection Item Fee (Incoming)	$0.00
Collection Item Fee (Outgoing)	$0.00
Debit Card International Transaction Fee	$0.00
Debit Card Replacement Fee	$0.00
Electronic Statements Fee	$0.00
High-Yield Savings Account Fee	$0.00
Mail Return Processing Fee	$0.00
Money Market Account Fee	$0.00
Notary Public Service Fee	$0.00
Online Banking Fee	$0.00
Online Check Images Fee	$0.00
Record Searches / Statement Reconciliations	$0.00
Security and Account Alerts Fee	$0.00
Skip-a-Pay Application Fee	$0.00
Statement Copy Fee	$0.00
Stop Payment Fee	$0.00
Verification of Deposit Fee	$0.00

Lending Fees

Whether you are taking out a personal loan or shopping for a new home, the team at Amplify works hard to offer you transparent and competitive lending services. Here are a few lending fees to consider when working with our award-winning team.

Description	Amount
Appraisal (Costs may vary depending on area, property type, and complexity)	$350.00 – $1,000.00
Credit Report Fee	$35.00 – $75.00
Document Request (Copy) Note, Deed of Trust, Closing Disclosure, Amortization Schedule, Other Closing Documents	$10.00
Duplicate Statement / Loan History	$4.00
Escrow Waiver / Set Up	$50.00
Faxed Documentation	$10.00
Partial Lien Lease	$300.00
Phone Loan Payment	$25.00
Property Inspection (Costs may vary depending on area, property type, and complexity)	$185.00 – $250.00
Release of Lien Processing / Reconveyance	$50.00
Return Check – Loan Payment Charge	$30.00
Rush Mail Option (2-Day Ground Mail)	$30.00
Subordination Fees (May Vary if Subordination Agreement Document Preparation Is Part of the Request)	$150.00 – $250.00
Verification of Mortgages	$5.00

¹”Bank fees and minimum balances have risen to record highs, survey finds,” Marketplace (10/2021)
²While Amplify does not charge out-of-network ATM fees, the owner of the ATM may still charge third-party machine fees. Our ATM Reimbursement Program will cover up to $12.00 in additional machine fees per month. Learn more in the Amplify Help Center.

Fees are subject to change. Please see the Forms & Disclosures page for additional disclosures.

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Rates

Personal Primary Savings

Personal High-Yield Savings

Personal IRA Savings

Personal IRA Certificates

Personal Classic Money Market

Personal Certificate of Deposit (CD)

Business Primary Savings

Business High-Yield Savings

Business Money Market

Business Certificate of Deposit (CD)

Personal Line of Credit

Personal Loan

Home Equity Loan

Home Equity Line of Credit

Home Improvement Loan

Homeowner Express Loan

Homeowner Express Line of Credit

Auto Loan (New/Used)

Motorcycle & RV

Fees

Banking Fees

Lending Fees

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Rates & Fees

Rates

Personal Primary Savings

Personal High-Yield Savings

Personal IRA Savings

Personal IRA Certificates

Personal Classic Money Market

Personal Certificate of Deposit (CD)

Business Primary Savings

Business High-Yield Savings

Business Money Market

Business Certificate of Deposit (CD)

Personal Line of Credit

Personal Loan

Home Equity Loan

Home Equity Line of Credit

Home Improvement Loan

Homeowner Express Loan

Homeowner Express Line of Credit

Auto Loan (New/Used)

Motorcycle & RV

Fees

Banking Fees

Lending Fees