Rates and Dividends

Launch CU Loan and Dividend Rates
Whether you’re buying a new or used vehicle, your new home, or refinancing the home you’re in, Launch offers competitive rates and terms that fit your needs. If you need a line of credit for unexpected circumstances, Launch can help.
Launch also offers dividends on your Savings, Elite Checking, and other deposit accounts to help you save for the future.

- Filter:
- Auto & Truck Loans
- Boat & RV Loans
- Motorcycle Loans
- Signature Loans
- Line Of Credit
- VISA® Credit Cards
- Savings Secured Loans
- Mortgages
- HELOCs
- Deposits
Auto & Truck Loan Rates
Condition | Available Terms* | As low as APR* | |
---|---|---|---|
Apply Now | New 2018-present |
Up to 48 months Max term 96 months |
2.99% |
Used 2014-2017 |
Up to 36 months Max term 84 months |
3.24% | |
Used 2013 and Older |
Up to 36 months Max term 75 months |
3.49% |
Boat & RV Loan Rates
Condition | Available Terms* | As low as APR* | |
---|---|---|---|
Apply Now | New 2018-Present |
Up to 240 months | 5.79% |
Used 2014-2017 |
Up to 240 months | 7.99% | |
Used 2013 & Older |
Up to 120 months | 6.99% |
Motorcycle Loan Rates
Condition | Available Terms* | As low as APR* | |
---|---|---|---|
Apply Now | New/Used 2018-present |
Up to 48 months Max term 96 months |
2.99% |
Used 2014-2017 |
Up to 36 months Max term 84 months |
3.24% | |
Used 2013 & Older |
Up to 36 months Max term 75 months |
3.49% |
Signature Loan Rates
Several terms available. Rates based on term of loan. No collateral necessary.
Borrowing Limits | As Low As APR* | |
---|---|---|
Apply Now | $20,000 | 8.25% APR* up to 36 months. Max 60 months*. |
Line Of Credit
Revolving line of credit, pay interest only on the amount that is outstanding. Monthly payments based only on amount outstanding, and no collateral necessary.
Borrowing Limits | As Low As APR* | |
---|---|---|
Apply Now | $20,000 | 8.25% APR* |
VISA® Credit Cards
2.90% APR Introductory Rate***** | Credit Card Type | As low as APR* |
---|---|---|
Apply Now | Platinum VISA® | 8.90% APR* |
REWARDS Platinum VISA® | 10.90% APR* |
Savings Secured Rates
Several terms available. Rates are lower than a Personal Loan because loan is secured. Rates based on term of loan, and loan is collateralized with Launch Savings Account
Borrowing Limits | As Low As APR* | |
---|---|---|
Apply Now | Up to 100% of Savings Account Balance | 36 months at 2.50% APR* 60 months at 3.50% APR* 120 months at 4.50% APR* |
First Mortgage Rates
The interest rate, APR's, and points shown are subject to change without notice. The payment shown includes principal and interest only. Your actual payment will be higher when an escrow account is established and required. The maximum loan to value is 97% of appraised value or sale price, whichever is less. When refinancing, the maximum loan to value is 80% if you take cash out.
Payment estimates are based on an owner-occupied loan in the amount of $100,000 with an LTV of 80%. Closing fees include appraisal and may vary depending on the county where the dwelling is located. Closing fees do not include prepaid interest or escrow reserves.
Apply Now
Term | Interest Rate | Points | APR* As Low As | Closing Fees | Payment | |
---|---|---|---|---|---|---|
10 Year Fixed | 2.375% | 0 | 2.657% | $3,303.00 | $973.03 | |
15 Year Fixed | 2.625% | 0 | 2.819% | $3,303.00 | $672.69 | |
20 Year Fixed | 2.875% | 0 | 3.025% | $3,303.00 | $548.36 | |
30 Year Fixed | 3.00% | 0 | 3.107% | $3,303.00 | $421.60 |
The interest rates, APR's, and points shown above are subject to change at any time, without notice. The payment shown includes principal and interest only. Your actual payment will be higher when an escrow account is established and required. The maximum loan to value is 97% of appraised value or sale price, whichever is less. When refinancing, the maximum loan to value is 80% if you take cash out.
Payment estimates below are based on an owner occupied loan in the amount of $100,000 with a LTV of 80%. Closing fees include appraisal and may vary depending on the county where the dwelling is located. Closing fees do not include prepaid interest or escrow reserves.
Second Mortgage Rates
The interest rate and APR's shown are subject to change without notice. The payment shown includes principal and interest only. Closing Fees include appraisal fee, if necessary. The maximum loan to value is 80% of appraised value**. The maximum loan amount is $250,000. Read additional disclosure information. Payment estimates are based on a loan in the amount of $100,000 and a LTV of 80%.
Term | Interest Rate | APR* As Low As | Closing Fees | Payment | |
---|---|---|---|---|---|
Apply for a 2nd Mortgage | 60 Months | 5.00% | 5.097% | $1,164.72 | $1,887.12 |
84 Months | 5.25% | 5.322% | $1,164.72 | $1,425.17 | |
120 Months | 5.75% | 5.802% | $1,164.72 | $1,097.69 | |
180 Months | 6.00% | 6.037% | $1,164.72 | $843.86 | |
240 Months | 6.25% | 6.280% | $1,164.72 | $730.93 |
The interest rates and APR's displayed above are subject to change at any time, without notice. The payment shown above includes only principal and interest. Closing fees include appraisal fee, if necessary. The maximum loan to value is 80% of appraised value**. The maximum loan amount is $150,000. Payment estimates are based on a loan amount of $100,000 and a LTV of 80%.
Home Equity Loan Programs
The interest rate and APR's shown are subject to change without notice. The payment shown includes principal and interest only. Closing Fees required only if an appraisal of your home is required. Appraisal fee is paid up front. The maximum loan to value ratio of the 1st and 2nd mortgages combined cannot exceed 80% of the appraisal if required or 110% of the tax assessment. The maximum loan amount is $250,000. Read additional disclosure information.
Payment estimates are based on a loan in the amount $50,000. The rate you pay will be based on your credit history. If your risk profile puts you in a higher risk category your rate may be higher.
The index used to determine the APR is the Prime Rate published in the Money Rates column of the Wall Street Journal.
Home Equity Line of Credit Fixed Rate- Up to 80% LTV
Term | Interest Rate | APR* as low as | Closing Fees | Payment | ||
---|---|---|---|---|---|---|
Standard | Up to 10 Years | 4.50% | 4.50% | None unless appraisal required | $932.15 | Apply Now |
Extended | Up to 15 Years | 5.00% | 5.00% | None unless appraisal required | $530.33 | Apply Now |
Home Equity Line of Credit Variable Rate - Up to 80% LTV
Term | Interest Rate | APR* as low as | Closing Fees | Payment | ||
---|---|---|---|---|---|---|
Standard | 15 Years | 3.99% | 3.99% | None unless appraisal required | $932.05 | Apply Now |
Extended | 20 Years | 4.00% | 4.00% | None unless appraisal required | $518.26 | Apply Now |
Our Home Equity Loan interest rates and APR's shown above are subject to change at any time, without notice. The payment displayed includes only principal and interest. Closing fees include estimated appraisal fee, if required, documentary stamps, along with recording fees. The maximum loan to value ratio of the first and second mortgages combined cannot exceed 80% of the appraisal if required, or 110% of the tax assessment. The maximum loan amount is $250,000. Loan amounts over $150,000 require an appraisal. Additional disclosure information can be found here.
Payment estimates above are based on a loan in the amount of $50,000, and includes an estimated appraisal fee, (determined by the county where the dwelling is located), documentary stamps, and recording feeds. The rate you will pay is based on your credit history. If your risk profile puts you in a higher risk category, your rate may be higher. The index used to determine APR is the Prime Rate, which is published in the Money Rates column of the Wall Street Journal.
The below accounts are variable rate accounts, and subject to change at any time, without notice. Fees may reduce earnings. Dividends will be compounded monthly and credited on the last day of the month.
Savings & Business Savings
Account Type | Prospective Dividend Rate | Prospective APY** |
---|---|---|
$5-$199.99*** | .05% | .05% |
$200-$2,499.99 | .05% | .05% |
$2,500-$9,999.99 | .05% | .05% |
$10,000-24,999.99 | .05% | .05% |
$25,000-$49,999.99 | .10% | .10% |
$50,000-$99,999.99 | .15% | .15% |
$100,000 & Up | .20% | .20% |
Money Market
Tier Balance | Prospective Dividend Rate | Prospective APY** |
---|---|---|
$2,500.00 - $9,999.99 | .10% | .10% |
$10,000.00 - $24,999.99 | .10% | .10% |
$25,000.00 - $49,999.99 | .15% | .15% |
$50,000.00 - $99,999.99 | .20% | .20% |
$100,000.00 - $249,999.99 | .25% | .25% |
$250,000.00 + | .30% | .30% |
Elite Checking & Business Checking
Balance Required to Earn APY** | Prospective Dividend Rate | Prospective APY** |
---|---|---|
$1,000.00 & Up | .05% | .05% |
Holiday Account
Prospective Dividend Rate | Prospective APY** |
---|---|
.15% | .15% |
IRA Accounts (Declared)
Declared Dividend Rate | Declared APY** |
---|---|
.20% | .20% |
IRA, & Share Certificates
Type | Dividend Rate | APY** | Minimum Balance |
---|---|---|---|
6 Month Share | .20% | .20% | $5,000 |
6 Month IRA | .20% | .20% | $5,000 |
6 Month Roth | .20% | .20% | $5,000 |
12 Month Share | .35% | .35% | $1,000 |
12 Month IRA | .35% | .35% | $1,000 |
12 Month Roth | .35% | .35% | $1,000 |
12 Month Share | .35% | .35% | $10,000 |
12 Month IRA | .35% | .35% | $10,000 |
12 Month Roth | .35% | .35% | $10,000 |
24 Month Share | .45% | .45% | $10,000 |
24 Month IRA | .45% | .45% | $10,000 |
24 Month Roth | .45% | .45% | $10,000 |
30 Month Share | .50% | .50% | $10,000 |
30 Month IRA | .50% | .50% | $10,000 |
30 Month Roth | .50% | .50% | $10,000 |
60 Month Share | .90% | .90% | $10,000 |
60 Month IRA | .90% | .90% | $10,000 |
60 Month Roth | .90% | .90% | $10,000 |
APR=Annual Percentage Rate. The rate you pay will be based on your credit history and term. If your risk profile puts you in a higher risk category, your rate may be higher. Rates shown are subject to change without notice. Rate and term affected by credit history and amount financed. Your APR will vary based on your final loan amount and finance charges. Certain terms may not be available for all risk categories.
"APY" means "annual percentage yield".
Minor Accounts only.
Penalties may be imposed for early withdrawal.
The 2.90% introductory APR for purchases and balance transfers will apply to transactions posted during the first 60 days following issuance of your card. The 2.90% introductory APR will be in effect for six billing cycles from the date of your first purchase or balance transfer. After the introductory period your APR will be 8.90% to 17.50% (Platinum VISA®) or 10.90% to 17.50% (REWARDS Platinum VISA®) based on your creditworthiness.