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Canvas Rates
Unlike banks, our owners are our members. So, these affordable rates are for you, our members. Putting people before profits is just how we roll.
Deposit Rates
Let’s put your money to work for you. Earn more with a Canvas deposit account. Oh, and if you're just looking for a no-hassle convenient and free checking account, we’ve got that too.
Certificates of Deposit (CDs)
PRODUCT
APY †
Certificates of Deposit (CDs)
$1,000 to open. $1,000 min balance.
6-Month CD
12-Month CD
18-Month CD
24-Month CD
36-Month CD
48-Month CD
60-Month CD
Classic Secured Mastercard CD
$500 to open. $500 min balance.
Checking Accounts
PRODUCT
APY †
Free Checking
$50 to open. No min balance. No monthly fee. Free online bill pay w/3 payments per mo, or $3.95/mo fee.
Interest Checking
$500 to open. $500 min balance to waive $10 mo fee. Free online bill pay w/3 payments per mo, or $3.95/mo fee.
$500-$9,999.99
$10,000-$24,999.99
$25,000+
Level Up Checking
$25 to open. No min balance. No monthly fee. Free online bill pay w/3 payments per mo, or $3.95/mo fee.
Mobile Checking
$50 to open. No min balance. Sign up for eStatements to waive $3/mo fee. Free online bill pay.
Individual Retirement Accounts (IRAs)
PRODUCT
APY †
IRA Certificate of Deposits (CDs)
$2,500 to open. $2,500 min balance. Interest compounded & credited quarterly.
12-Month IRA CD
18-Month IRA CD
24-Month IRA CD
36-Month IRA CD
48-Month IRA CD
60-Month IRA CD
IRA Savings Account
$25 to open. Interest compounded & credited quarterly.
Money Market Accounts
PRODUCT
APY †
Money Market Account
$1,000 to open, earn, and skip $10/mo fee.
Money Market Plus Account
$10,000 to open, earn, and skip $10/mo fee.
$10,000-$24,999.99
$25,000-$49,999.99
$50,000-$99,999.99
$100,000 or more
Jumbo Money Market Account
$100,000 to open. $1,000 min to earn and skip $10/mo fee.
$1,000-$99,999.99
$100,000+
Savings Accounts
PRODUCT
APY †
Membership Savings Account
$5 to open. No service fees. Interest compounded & credited quarterly.
Health Savings Account
No min to open. No min balance. No service fees. Interest compounded & credited quarterly. Must have a HDHP.
$0-$9,999
$10,000-$24,999.99
$25,000-$49,999.99
$50,000-$99,999.99
$100,000+
Holiday Savings Account
No min to open. No min balance. No service fees. Auto transfer to Canvas Checking or Savings Nov. 1.
Personalized Savings Account
No min to open. No min balance. No service fees.
Next Level Savings Account
No min to open. No min balance. No service fees. Just for college-aged young adults 18 to 24 years-old.
$0-$1,000
$1,000+
Reverse Tier Savings Account
No min to open. No min balance. No service fees. First $5,000 deposited must be funds not currently on deposit at Canvas Credit Union.
$0-$2,000
$2,000.01-$5,000
$5,000.01-$10,000
$10,000.01-$50.000
$50,000+
Save More Win More Savings Account
No min to open. No min balance. No service fees. Prizes for saving. Click for full details.
Business Accounts
PRODUCT
APY †
Free Business Checking Account
$100 to open. No min balance. No monthly fee. Free online bill pay w/3 payments per mo, or $3.95/mo fee.
Premier Business Checking Account
$100 to open. $3,000 min balance to waive $15/mo fee. Free online bill pay w/3 payments per mo, or $3.95/mo fee.
Business Membership Savings Account
$5 to open. $5 min balance. Interest compounded & credited quarterly.
Business Money Market Account
$1,000 to open, earn, and skip the $10/mo fee. Interest compounded & credited monthly.
$1,000-$9,999.99
$10,000-$24,999.99
$25,000-$49,999.99
$50,000-$99,999.99
$100,000+
Business Jumbo Money Market Account
$100,000 to open. $1,000 min to earn and skip $10/mo fee. Interest compounded & credited monthly.
$1,000-$99,999.99
$100,000+
DEPOSIT RATES DISCLOSURES
†APY is Annual Percentage Yield (APY). Early withdrawal penalties and other fees may reduce
earnings. Rates are subject to change at any time. Canvas Credit Union membership is required.
*No purchase or payment of any kind is necessary to enter or win. This promotional savings account will earn 0.15% APY interest until December 31, 2020. On December 31, 2020, the account funds will automatically roll into your regular member share account, and the Save More, Win More account will be closed. You may be eligible to win prizes through the end of November 2020. All individual prizes are available up to prize amount. For more details, visit our disclosures page.
Want to view all the fine print, visit our Disclosures web page.
Loan Rates
You need to borrow to get the life you want. Whether it's a home, truck, or college education we want to help get you to your goal. We’re here to lend more than money. We’ll lend our ear, our knowledge, support, and yes funds so that you can Go Live.
Vehicle Loans
PRODUCT
BEST RATE APR ‡
Car, Truck, SUV
2017-2020 Model Year
Terms 01-63 mos. Loan to Value (LTV) 100%+.
2017-2020 Model Year
Terms 64-75 mos. Loan to Value (LTV) 100%+.
2017-2020 Model Year
Terms 76-84 mos. Loan to Value (LTV) 100%+.
2014-2016 Model Year
Terms 01-63 mos. Loan to Value (LTV) 100%+.
2014-2016 Model Year
Terms 64-75 mos. Loan to Value (LTV) 100%+.
2010-2013 Model Year
Terms 01-63 mos. Loan to Value (LTV) 100%+.
2009 or Older Model Year
Terms 01-63 mos. Loan to Value (LTV) 100%+.
Motorcycle
New or used. Terms 01-60 mos. Loan to Value (LTV) max 95%.
ATV, Boat, or Other Recreational Vehicles
New or used. Terms 01-60 mos. Loan to Value (LTV) max 80%.
Personal Loans
PRODUCT
BEST RATE APR ‡
Signature Loan
$500-$10,000. Fixed payments. Terms up to 60 mos. No collateral required, rate based on credit
Overdraft Line of Credit
No transaction fees. Auto transfers from checking. Min $30/mo payment or 3% balance. Approved credit required.
Secured Loan (CD Collateral)
Min CD collateral $1,000. Terms 0-60 mos. Fixed monthly payments.
CD Rate + 2.00%
Secured Loan (Savings Collateral)
Min Savings collateral $500. Terms 0-60 mos. Fixed monthly payments.
Share Rate + 3.00%
Credit Cards
PRODUCT
BEST RATE APR ‡
Platinum Elite Mastercard
No annual fee.
Platinum Elite Rewards Mastercard
No annual fee. Earn rewards, 1 point per $1, double points on some everyday purchases.
Classic Secured Mastercard
$29 annual fee. $500 min collateral w/Classic Secured Mastercard 24-Month CD.
Business Mastercard
$69 annual fee.
Home Equity Line of Credit
PRODUCT
BEST RATE APR ‡
Home Equity Line of Credit
20 year terms, 10-year draw, and 10 years to pay. No Closing Costs.* Rate as of 4/1/2020.
LOAN RATES DISCLOSURES
‡APR is Annual Percentage Rate (APR). Our HELOC is a variable rate loan; the rate is tied to an index (the Prime Rate) to which a margin is added. Best Rate may vary
based on personal credit history, value of collateral, loan to value (LTV), terms, and other factors. Canvas Credit
Union provides details upon completion of a loan application. Rates are subject to change without notice. Canvas
Credit Union membership is required.
Want to view all the fine print, visit our
Disclosures web page.
HELOC Product: You can obtain credit advances for 120 months (the draw period). During the draw period, payments will be due on a monthly basis. Your minimum monthly payment will be established at the close of each billing cycle at an amount equal to all accrued yet unpaid finance charges. After the draw period ends, you will no longer be able to obtain credit advances and must pay your outstanding balance (the repayment period). The length of the repayment period will depend on the date and the amount of your last advance but in no event will exceed 120 months. During the repayment period, your minimum periodic payment (for variable rate balances) will be the amount necessary to fully amortize your then unpaid balance by the agreement maturity date. The minimum periodic payment will be established on the first day of such repayment period, and will be reestablished on the day: (i) any outstanding fixed rate balance is consolidated into the variable rate balance; and (ii) any interest rate change occurs.
