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Source: https://www.quorumfcu.org/rates
Read: 2026-10-22T16:24:31.000Z

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Tier | Minimum Balance
Tier 1 - QBOOST CHECKING | $0.00
Tier 2 - QBOOST CHECKING | $5,000.01
Tier | Rate 1
Tier 1 - QBOOST CHECKING | 3.93%
Tier 2 - QBOOST CHECKING | 0.50%
Tier | APY 2
Tier 1 - QBOOST CHECKING | 4.00%
Tier 2 - QBOOST CHECKING | 0.50%
Tier | Minimum Balance | Rate 1 | APY 2
Tier 1 - QBOOST CHECKING | $0.00 | 3.93% | 4.00%
Tier 2 - QBOOST CHECKING | $5,000.01 | 0.50% | 0.50%
Tier | Minimum Balance
Tier 1 - QFLEX CHECKING | $0.00
Tier 2 - QFLEX CHECKING | $10,000.00
Tier | Rate 1
Tier 1 - QFLEX CHECKING | 0.01%
Tier 2 - QFLEX CHECKING | 1.24%
Tier | APY 2
Tier 1 - QFLEX CHECKING | 0.01%
Tier 2 - QFLEX CHECKING | 1.25%
Tier | Minimum Balance | Rate 1 | APY 2
Tier 1 - QFLEX CHECKING | $0.00 | 0.01% | 0.01%
Tier 2 - QFLEX CHECKING | $10,000.00 | 1.24% | 1.25%
APYs may change after accounts are opened. Minimum Balance is required to open the account and to obtain the APY shown. Fees could reduce earnings.
Tier | Minimum Balance
Tier 1 - HIGHMARQ BY QUORUM | $0.00
Tier 2 - HIGHMARQ BY QUORUM | $10,000.00
Tier | Rate 1
Tier 1 - HIGHMARQ BY QUORUM | 0.00%
Tier 2 - HIGHMARQ BY QUORUM | 3.93%
Tier | APY 2
Tier 1 - HIGHMARQ BY QUORUM | 0.01%
Tier 2 - HIGHMARQ BY QUORUM | 4.00%
Tier | Minimum Balance | Rate 1 | APY 2
Tier 1 - HIGHMARQ BY QUORUM | $0.00 | 0.00% | 0.01%
Tier 2 - HIGHMARQ BY QUORUM | $10,000.00 | 3.93% | 4.00%
Tier | Minimum Balance
Single - HIGHQ SAVINGS ACCOUNT | $0.00
Tier | Rate 1
Single - HIGHQ SAVINGS ACCOUNT | 3.45%
Tier | APY 2
Single - HIGHQ SAVINGS ACCOUNT | 3.50%
Tier | Minimum Balance | Rate 1 | APY 2
Single - HIGHQ SAVINGS ACCOUNT | $0.00 | 3.45% | 3.50%
APYs may change after accounts are opened. Minimum Balance is required to open the account and to obtain the APY shown. Fees could reduce earnings.
Term | Minimum Balance
Single - 3 MONTH TERM ACCOUNT | $100.00
Term | Rate 1
Single - 3 MONTH TERM ACCOUNT | 1.74%
Term | APY 2
Single - 3 MONTH TERM ACCOUNT | 1.75%
Term | Minimum Balance | Rate 1 | APY 2
Single - 3 MONTH TERM ACCOUNT | $100.00 | 1.74% | 1.75%
Term | Minimum Balance
Single - 6 MONTH TERM ACCOUNT | $100.00
Term | Rate 1
Single - 6 MONTH TERM ACCOUNT | 4.31%
Term | APY 2
Single - 6 MONTH TERM ACCOUNT | 4.40%
Term | Minimum Balance | Rate 1 | APY 2
Single - 6 MONTH TERM ACCOUNT | $100.00 | 4.31% | 4.40%
Term | Minimum Balance
Single - 12 MONTH TERM ACCOUNT | $100.00
Term | Rate 1
Single - 12 MONTH TERM ACCOUNT | 4.41%
Term | APY 2
Single - 12 MONTH TERM ACCOUNT | 4.50%
Term | Minimum Balance | Rate 1 | APY 2
Single - 12 MONTH TERM ACCOUNT | $100.00 | 4.41% | 4.50%
Term | Minimum Balance
Single - 18 MONTH TERM ACCOUNT | $100.00
Term | Rate 1
Single - 18 MONTH TERM ACCOUNT | 3.93%
Term | APY 2
Single - 18 MONTH TERM ACCOUNT | 4.00%
Term | Minimum Balance | Rate 1 | APY 2
Single - 18 MONTH TERM ACCOUNT | $100.00 | 3.93% | 4.00%
Term | Minimum Balance
Single - 24 MONTH TERM ACCOUNT | $100.00
Term | Rate 1
Single - 24 MONTH TERM ACCOUNT | 3.93%
Term | APY 2
Single - 24 MONTH TERM ACCOUNT | 4.00%
Term | Minimum Balance | Rate 1 | APY 2
Single - 24 MONTH TERM ACCOUNT | $100.00 | 3.93% | 4.00%
Term | Minimum Balance
Single - 36 MONTH TERM ACCOUNT | $100.00
Term | Rate 1
Single - 36 MONTH TERM ACCOUNT | 4.79%
Term | APY 2
Single - 36 MONTH TERM ACCOUNT | 4.90%
Term | Minimum Balance | Rate 1 | APY 2
Single - 36 MONTH TERM ACCOUNT | $100.00 | 4.79% | 4.90%
Term | Minimum Balance
Single - 48 MONTH TERM ACCOUNT | $100.00
Term | Rate 1
Single - 48 MONTH TERM ACCOUNT | 4.89%
Term | APY 2
Single - 48 MONTH TERM ACCOUNT | 5.00%
Term | Minimum Balance | Rate 1 | APY 2
Single - 48 MONTH TERM ACCOUNT | $100.00 | 4.89% | 5.00%
Term | Minimum Balance
Single - 60 MONTH TERM ACCOUNT | $100.00
Term | Rate 1
Single - 60 MONTH TERM ACCOUNT | 4.89%
Term | APY 2
Single - 60 MONTH TERM ACCOUNT | 5.00%
Term | Minimum Balance | Rate 1 | APY 2
Single - 60 MONTH TERM ACCOUNT | $100.00 | 4.89% | 5.00%
Annual percentage yield (APY) and rates are in effect as of 10/19/26. Certificate Accounts are fixed-rate accounts. Dividends are compounded and paid monthly. A minimum deposit of $100 is required to open and earn the APY. A penalty will be imposed if funds are withdrawn prior to maturity date. Fees could reduce earnings.
Account Name | Minimum Balance
Tier 1 - IRA Savings | $0.00
Tier 2 - IRA Savings | $2,500.00
Tier 3 - IRA Savings | $10,000.00
Tier 4 - IRA Savings | $25,000.00
Tier 5 - IRA Savings | $250,000.00
Account Name | Rate 1
Tier 1 - IRA Savings | 0.45%
Tier 2 - IRA Savings | 0.45%
Tier 3 - IRA Savings | 0.70%
Tier 4 - IRA Savings | 1.19%
Tier 5 - IRA Savings | 1.69%
Account Name | APY 2
Tier 1 - IRA Savings | 0.45%
Tier 2 - IRA Savings | 0.45%
Tier 3 - IRA Savings | 0.70%
Tier 4 - IRA Savings | 1.20%
Tier 5 - IRA Savings | 1.70%
Account Name | Minimum Balance | Rate 1 | APY 2
Tier 1 - IRA Savings | $0.00 | 0.45% | 0.45%
Tier 2 - IRA Savings | $2,500.00 | 0.45% | 0.45%
Tier 3 - IRA Savings | $10,000.00 | 0.70% | 0.70%
Tier 4 - IRA Savings | $25,000.00 | 1.19% | 1.20%
Tier 5 - IRA Savings | $250,000.00 | 1.69% | 1.70%
IRA savings accounts are variable dividend rate accounts. APYs may change after accounts are opened. Minimum Balance is required to open the account and to obtain the APY shown. Fees could reduce earnings.
Account Name | Rate 1
Loan - First Lien HELOC | 6.88%
Account Name | Rate 1
Loan - First Lien HELOC | 6.88%
Account Name | Rate 1
Loan - Renovation HELOC | 6.88%
Account Name | Rate 1
Loan - Renovation HELOC | 6.88%
Account Name | Rate 1
Loan - Second Lien HELOC | 6.88%
Account Name | Rate 1
Loan - Second Lien HELOC | 6.88%
Account Name | Rate 1
Loan - Second Lien Investment HELOC | 10.13%
Account Name | Rate 1
Loan - Second Lien Investment HELOC | 10.13%
Account Name | Rate 1
Loan - Fixed-Rate Home Equity Loan | N/A
Account Name | Rate 1
Loan - Fixed-Rate Home Equity Loan | N/A
Account Name | Rate 1
Loan - Bridge Loan HELOC (1st lien) | 9.13%
Account Name | Rate 1
Loan - Bridge Loan HELOC (1st lien) | 9.13%
Account Name | Rate 1
Loan - Overdraft Line-of-Credit (Checking Reserve) | 13.40%
Account Name | Rate 1
Loan - Overdraft Line-of-Credit (Checking Reserve) | 13.40%
Account Name | Rate 1
Loan - Undergraduate Private Education Line-of-Credit | 9.50%
Account Name | Rate 1
Loan - Undergraduate Private Education Line-of-Credit | 9.50%
Account Name | Rate 1
Loan - 1st Mortgage/Co-Op Loan | N/A
Account Name | Rate 1
Loan - 1st Mortgage/Co-Op Loan | N/A
Account Name | APR 1
Loan - Cash Back World Mastercard® | 12.40%
Account Name | APR 1
Loan - Cash Back World Mastercard® | 12.40%
Account Name | APR 1
Loan - World Mastercard® | 12.40%
Account Name | APR 1
Loan - World Mastercard® | 12.40%
Account Name | APR 1
Loan - RateWise Mastercard® | 11.40%
Account Name | APR 1
Loan - RateWise Mastercard® | 11.40%
As with all depository institutions (savings and commercial banks, credit unions and loans and savings associations), the APY on a traditional savings accounts is variable and closely linked to the Federal Funds Rate set by the Federal Reserve. Dividend Rates can go up when the economy is doing well, and they can go down when the economy weakens. Quorum closely monitors Federal rates and looks for ways to remain competitive.
#### What is Annual Percentage Yield (APY)?
APY is the amount of dividends you earn on money you deposit into a savings accounts (including high-yield savings accounts), over the course of a year. How often dividends are compounded is also figured into the APY.
If you are considering two or more bank accounts for your savings, it pays to compare the APY on each for the full picture on how much your money and account balance can earn over a year.
What is the significance of the APY? In its simplest form, the higher the APY, the more money you earn. If you have $25,000 invested in a one-year term account with a 2.86% APY, at the end of the year, you will have earned $715. With a 2.50% APY, your return would be $625.
You may see a higher annual percentage yield (APY) on accounts that have a higher minimum deposit and a longer commitment for how long you must keep the money in the savings account. Be sure to familiarize yourself with the terms and conditions of any bank account you open.
2 Annual percentage yield (APY) and rate are in effect as of 10/19/26.
3 HighQ Savings: Annual percentage yield (APY) and dividend rate are in effect as of 02/10/26. There is no minimum balance to open or maintain HighQ Savings. There are no monthly fees as long as you register for and maintain e-Statements. If you choose to receive paper statements, there will be a $10 monthly fee.
4 HighMarq Savings: Annual percentage yield (APY) in effect as of 02/10/26. APY may change after account is opened and any fees could reduce earnings. There is no minimum balance to open or maintain HighMarq Savings. The minimum average daily balance to earn the advertised APY is $10,000. There are no monthly fees as long as you register for and maintain e-Statements. If you choose to receive paper statements, there will be a $10 monthly fee.
6 First Lien HELOC: The Annual Percentage Rate (APR) is as of 09/17/2026 and subject to change. The Floor Rate is 4.95%. Maximum APR is 18.00%. The APR is a variable rate and is based on an index (Prime rate as published in The Wall Street Journal) plus a margin. The margin is determined based on credit history, loan amount and loan-to-value (LTV) ratio. Rate will not increase or decrease more than 2% annually. A home equity line-of-credit is secured by the member’s home and is available only for 1-4. family residential properties and condominiums, excluding co-ops. Minimum line-of-credit amount: $50,000.00. No draw required at closing. No application or termination fees. Appraisal fee varies. No pre-payment penalty. Mortgage tax may apply in some states. This Home Equity Line of Credit is not available in TX. All loans are subject to credit approval. Fees are due at closing and debited from the HELOC (except appraisal fee, if applicable, due at time of application). Additional fees for HELOCs, including all lender fees, origination fees and third-party fees will be passed to the borrower. Click here for the Fee Schedule.
7 Renovation HELOC: The Annual Percentage Rate (APR) is as of 09/17/2026 and subject to change. The Floor Rate is 4.95%. Maximum APR is 18.00%. The APR is a variable rate, plus or minus a margin, and is based on the Prime rate (index – as published in The Wall Street Journal) plus a margin. The margin is determined based on credit history, loan amount and combined loan-to-value (CLTV) ratio. Rate will not increase or decrease more than 2% annually. A home equity line-of-credit is secured by the member’s home and is available only for 1-2 family residential properties and condominiums, excluding co-ops. Minimum line-of-credit amount: $50,000. No draw required at closing. No application or termination fees; appraisal fee varies. Click here for the Fee Schedule. No pre-payment penalty. Mortgage tax may apply in some states. This Home Equity Line-of-Credit is not available in TX. All loans are subject to credit approval.
8 Second Lien HELOC: The Annual Percentage Rate (APR) is as of 09/17/2026 and subject to change. The Floor Rate is 4.95%. Maximum APR is 18.00%. The APR is a variable rate, plus or minus a margin, and is based on the Prime rate (index – as published in The Wall Street Journal) plus a margin. The margin is determined based on credit history, loan amount and combined loan-to-value (CLTV) ratio. Rate will not increase or decrease more than 2% annually. A home equity line-of-credit is secured by the member’s home and is available only for 1-4 family residential properties and condominiums, excluding co-ops. Minimum line-of-credit amount: $25,000.00. No draw required at closing. No application, or termination fees; appraisal fee varies. No pre-payment penalty. Mortgage tax may apply in some states. This Home Equity Line of Credit is not available in TX. All loans are subject to credit approval. Fees are due at closing and debited from the HELOC (except appraisal fee, if applicable, due at time of application). Additional fees for HELOCs, including all lender fees, origination fees and third-party fees will be passed to the borrower. Click here for the Fee Schedule.
9 Second Lien Investment HELOC: The Annual Percentage Rate (APR) is as of 09/17/2026 and subject to change. The Floor Rate is 4.95%. Maximum APR is 18.00%. The APR is a variable rate, plus or minus a margin, and is based on the Prime rate (index – as published in The Wall Street Journal). The margin is determined based on credit history, loan amount and combined loan-to-value (CLTV) ratio. Rate will not increase or decrease more than 2% annually. A home equity line-of-credit is secured by the member’s home and is available only for 1 family residential properties and condominiums, excluding co-ops. Minimum line-of-credit amount: $50,000. No draw required at closing. No application or termination fees; appraisal fee varies. Click here for the Fee Schedule. No pre-payment penalty. Mortgage tax may apply in some states. This Home Equity Line-of-Credit is not available in TX. All loans are subject to credit approval.
11 Bridge Loan HELOC (1st Lien): The Annual Percentage Rate (APR) is as of 09/17/2026 and subject to change. The Floor Rate is 6.95%. Maximum APR is 18.00%. The APR is a variable rate, plus a margin, and is based on the Prime rate (index – as published in The Wall Street Journal). The margin is determined based on credit history, loan amount and loan-to-value (LTV) ratio. Rate will not increase or decrease more than 2% annually. A home equity line-of-credit is secured by the member’s home and is available only for 1 family residential properties and condominiums, excluding co-ops. Minimum line-of-credit amount: $50,000.00. No draw required at closing. No application or termination fees. Appraisal fee varies. No pre-payment penalty. Mortgage tax may apply in some states. This Home Equity Line of Credit is not available in TX. All loans are subject to credit approval. Fees are due at closing and debited from the HELOC (except appraisal fee, if applicable, due at time of application). Additional fees for HELOCs, including all lender fees, origination fees and third-party fees will be passed to the borrower. Click here for the Fee Schedule.
12 Undergraduate Private Education Line-of-Credit: Effective Date 01/01/26. All loans subject to approval and restrictions may apply. We reserve the right to change rates for new applications at any time and without notice. Credit union membership and a minimum share deposit is required. The Annual Percentage Rate is subject to increase after consummation. The interest rate will be adjusted quarterly, based on changes to the Index. The APR will not exceed 18.00% or fall below the Floor rate regardless of the Index or any additional rate discount. Any increase in the Index may increase the APR and the amount of your monthly payment. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). Margin will be disclosed at account opening. Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate. Rate reflects a 0.25% discount for autopay during repayment only. Student Lending Center additional disclosures are here.
13 QBoost Checking: Annual Percentage Yield (APY) is in effect as of 08/13/25 and subject to change. You must establish and maintain monthly direct deposits with an aggregate balance of $500 AND conduct at least ten debit card transactions per month in order to earn the APY and dividend rate. Balances up to $5,000 earn 4.00% APY (3.93% dividend rate). Balances above $5,000 earn 0.50% APY (0.49% dividend rate). If you do not meet the requirements to earn the dividend rate, your balances will earn 0.01% APY (0.01% dividend rate). Dividends are paid on all funds on deposit and are posted monthly. This is a variable rate account.
14 QFlex Checking: Annual Percentage Yield (APY) is in effect as of 08/13/25 and subject to change. You must maintain a minimum monthly balance of $10,000 in order to earn this APY and rate. Balances under $10,000 will earn the Basic Savings APY and rate. This is a variable rate account.
15 Credit Cards: Annual Percentage Rate in effect as of 01/01/26 and subject to change. The maximum interest rate will never exceed the rate permitted under the Federal Credit Union Act (currently, this maximum is 18%). If your rate increases, additional payments may increase as well. There is no monthly service charge. For full rate and fee information on our credit cards: