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Seattle Metropolitan Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 22, 2026
Seattle Metropolitan Credit Union's 11-month term rates are at 4.05%, Special 11 Month New Money CD rates are at 4.05%, 1 Year IRA Jumbo CD rates are at 3.80%, 2 Year IRA Jumbo CD rates are at 3.80%, 1 Year Business Jumbo CD of Deposit rates are at 3.70%. Seattle Metropolitan Credit Union's savings rates are at 0.10%. Seattle Metropolitan Credit Union's money market rates are at 0.45%. Seattle Metropolitan Credit Union's Personal Loan Rates are as low as 10.99%. Seattle Metropolitan Credit Union's Credit Card Rates are at 10.49%. MonitorBankRates evaluates the financial stability of Seattle Metropolitan Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.50%. Rates last updated and verified on 09/22/2026.
Seattle Metropolitan Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Seattle Metropolitan Credit Union? Share your experience about Seattle Metropolitan Credit Union by leaving a review below, or read customer reviews before you decide to use Seattle Metropolitan Credit Union.
Seattle Metropolitan Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Seattle Metropolitan Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
4.50%
ExcellentLower than avg
Seattle Metropolitan Credit Union Texas Ratio
Seattle Metropolitan Credit Union's Texas Ratio is 4.50%, which is considered excellent and is lower than the national average of 6.13%.
Seattle Metropolitan Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.45% to 4.50% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsNew money required; Limited-time offer - take advantage today!
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Special 11 Month New Money CD
3.97%
4.05%
11 Months
Min Deposit$1,000
DetailsNew Money** CD. New Money** is defined as money that has not been previously on deposit with the credit union over the past 30 days at the time the certificate is opened. The Credit Union may adjust a certificate of deposit to the closest rate or term available if the new money criteria is not met when a certificate is opened. A penalty may be imposed for early withdrawal, which could reduce earnings. See Certificate Disclosure for complete details.
DetailsBump Option: Not Eligible; Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
2 Year IRA Certificates
3.59%
3.66%
2 year
Min Deposit$1,000
DetailsBump Option: Eligible; Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.
DetailsBump Option: Eligible; Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
4 Year IRA Certificates
3.45%
3.51%
4 year
Min Deposit$1,000
DetailsBump Option: Eligible; Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
5 Year IRA Certificates
3.45%
3.51%
5 year
Min Deposit$1,000
DetailsBump Option: Eligible; Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.
DetailsBump Option: Not Eligible; Our Bump Eligible certificates allow members to choose once during the term of the certificate to "bump" their rate, you may request that the rate be increased to the current offered rate of certificates of deposit of the same term length.
DetailsInterest Compounded & Credited: Monthly; Limitations: Transfer and withdrawal limitations apply.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Membership Savings
0.10%
0.10%
Min Deposit$5
DetailsInterest Compounded/Credited: Quarterly; Balance to Avoid Service Fee: Not applicable; Balance to Earn Stated APY: Not applicable; Limitations: Transfer and withdrawal limitations apply
DetailsBalance: $500 or greater**; Blended APY range calculated on an assumed sample deposit of $10,000.00 for Youth Savings; APY range: 0.10% - 4.07% to 0.30%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Seattle Metropolitan Credit Union Money Market Rates
Product
Rate
APY
View More
Business Money Market Savings Account
1.15%
1.16%
Min Balance$150,000
DetailsBalance: $150,000.00 or greater; Interest Compounded & Credited: Monthly
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Money Market Account
1.15%
1.16%
Min Balance$150,000
DetailsBalance: $150,000 or greater; Interest Compounded: Monthly; Interest Credited: Monthly
DetailsBalance: $0.00 - $500.00; Account limited to those under 18 years of age.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Youth Checking
-
0.05%
Min Balance$500
DetailsBalance: $500.01 or greater**; Account limited to those under 18 years of age.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Seattle Metropolitan Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Fixed
-
-
7.24%
5 years
DetailsLTV: up to 70%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Line of Credit (HELOC)
-
-
7.25%
DetailsLTV: up to 80%; Rate: Prime +.50 %
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
7.74%
5 years
DetailsLTV: up to 80%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
7.74%
10 years
DetailsLTV: up to 70%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
7.99%
5 years
DetailsLTV: up to 90%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
8.24%
10 years
DetailsLTV: up to 80%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
8.24%
15 years
DetailsLTV: up to 70%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
8.49%
10 years
DetailsLTV: up to 90%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
8.74%
15 years
DetailsLTV: up to 80%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
8.74%
20 years
DetailsLTV: up to 70%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
8.99%
15 years
DetailsLTV: up to 90%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
9.24%
20 years
DetailsLTV: up to 80%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Line of Credit (HELOC)
-
-
9.25%
DetailsLTV: up to 100%; Rate: Prime + 2.50%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Investment or Rental Property Home Equity Line of Credit (HELOC)
-
-
9.25%
DetailsLTV: up to 75%; Rate: Equal to Prime +2.50 %
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
9.49%
5 years
DetailsLTV: up to 100%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
9.49%
20 years
DetailsLTV: up to 90%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
9.99%
10 years
DetailsLTV: up to 100%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
10.49%
15 years
DetailsLTV: up to 100%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Home Equity Fixed
-
-
10.99%
20 years
DetailsLTV: up to 100%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Seattle Metropolitan Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto & Motorcycle Loans (New or Used, Models 10 Years and Newer)
-
-
5.24%
36 months
DetailsAs Low As; Subtract 0.25% for hybrid/electric vehicles. Add 1.00% for loan-to-value >80%. Add 1.25% for model years 10 years old and older. Add 1.25% for vehicles with more than 125,000 miles.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Auto & Motorcycle Loans (New or Used, Models 10 Years and Newer)
-
-
5.24%
48 months
DetailsAs Low As; Subtract 0.25% for hybrid/electric vehicles. Add 1.00% for loan-to-value >80%. Add 1.25% for model years 10 years old and older. Add 1.25% for vehicles with more than 125,000 miles.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Auto & Motorcycle Loans (New or Used, Models 10 Years and Newer)
-
-
5.24%
60 months
DetailsAs Low As; Subtract 0.25% for hybrid/electric vehicles. Add 1.00% for loan-to-value >80%. Add 1.25% for model years 10 years old and older. Add 1.25% for vehicles with more than 125,000 miles.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Auto & Motorcycle Loans (New or Used, Models 10 Years and Newer)
-
-
5.24%
72 months
DetailsAs Low As; Subtract 0.25% for hybrid/electric vehicles. Add 1.00% for loan-to-value >80%. Add 1.25% for model years 10 years old and older. Add 1.25% for vehicles with more than 125,000 miles.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Auto & Motorcycle Loans (New or Used, Models 10 Years and Newer)
-
-
5.74%
84 months
DetailsAs Low As; Subtract 0.25% for hybrid/electric vehicles. Add 1.00% for loan-to-value >80%. Add 1.25% for model years 10 years old and older. Add 1.25% for vehicles with more than 125,000 miles.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Seattle Metropolitan Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
RV & Boat Loans (New or Used, Models 10 Years and Newer)
-
8.49%
84 months
DetailsAdd 0.50% for loan-to-value > 80%. Add 2.00% for model years 10 years and older. Rate effective September 22nd, 2026, reflects any prepaid finance charges and is subject to change without notice. Other restrictions may apply. Rates and financing are offered based on applicant's credit qualifications and other underwriting criteria, including but not limited to, credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated. Please contact Seattle Credit Union at 206-398-5500 or 800-334-2489 for further details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
RV & Boat Loans (New or Used, Models 10 Years and Newer)
-
8.99%
120 months
DetailsAdd 0.50% for loan-to-value > 80%. Add 2.00% for model years 10 years and older. Rate effective September 22nd, 2026, reflects any prepaid finance charges and is subject to change without notice. Other restrictions may apply. Rates and financing are offered based on applicant's credit qualifications and other underwriting criteria, including but not limited to, credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated. Please contact Seattle Credit Union at 206-398-5500 or 800-334-2489 for further details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
RV & Boat Loans (New or Used, Models 10 Years and Newer)
-
9.49%
144 months
DetailsAdd 0.50% for loan-to-value > 80%. Add 2.00% for model years 10 years and older. Rate effective September 22nd, 2026, reflects any prepaid finance charges and is subject to change without notice. Other restrictions may apply. Rates and financing are offered based on applicant's credit qualifications and other underwriting criteria, including but not limited to, credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated. Please contact Seattle Credit Union at 206-398-5500 or 800-334-2489 for further details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
RV & Boat Loans (New or Used, Models 10 Years and Newer)
-
9.99%
180 months
DetailsAdd 0.50% for loan-to-value > 80%. Add 2.00% for model years 10 years and older. Rate effective September 22nd, 2026, reflects any prepaid finance charges and is subject to change without notice. Other restrictions may apply. Rates and financing are offered based on applicant's credit qualifications and other underwriting criteria, including but not limited to, credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated. Please contact Seattle Credit Union at 206-398-5500 or 800-334-2489 for further details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Seattle Metropolitan Credit Union Credit Card Rates
Seattle Metropolitan Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loans (Unsecured)
10.99%
Up to 60 months
DetailsMaximum Loan Amount: $25,000; Estimated monthly payment based on term of 60 months.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Seattle Metropolitan Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Lightning Loans
24.99%
-
24.99%
Up to 24 months
DetailsAPR=Annual Percentage Rate. APR is current as of September 22nd, 2026 and will vary based on loan amount, term and applicable fees. Estimated monthly payment based on $2,000 borrowed for 24 months. Rates are subject to change at any time. Rates and financing are offered based on applicants' credit qualifications and other underwriting criteria, including but not limited to credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Revolving Line of Credit
-
-
10.99%
Revolving Line of Cr
DetailsTerm: Revolving Line of Credit; Published APR range: 10.99%-24.99%. Maximum Loan Amount: $25,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.50%
Financial Health History
Seattle Metropolitan Credit Union’s Texas Ratio rose from 3.45% in Q2 2023 to 4.50% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
March 31, 2026
$1.1B
4.50%
5.0
A+
December 31, 2025
$1.1B
4.92%
5.0
A+
September 30, 2025
$1.1B
4.87%
5.0
A+
June 30, 2025
$1.1B
4.06%
5.0
A+
March 31, 2025
$1.1B
4.11%
5.0
A+
December 31, 2024
$1.1B
6.41%
5.0
A
September 30, 2024
$1.1B
5.27%
5.0
A+
June 30, 2024
$1.1B
5.45%
5.0
A+
March 31, 2024
$1.1B
5.13%
5.0
A+
December 31, 2023
$1.1B
4.63%
5.0
A+
September 30, 2023
$1.1B
2.98%
5.0
A+
June 30, 2023
$1.1B
3.45%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Seattle Metropolitan Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Seattle Metropolitan Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Seattle Metropolitan Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameSeattle Metropolitan Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
129,397,052
Total Uninsured Shares and Deposits > $250K (F+J)
129,397,052
Total Insured Shares and Deposits > $250K (item 17 less item K)
786,252,037
Total Interest Expense (Sum of items 6 8)
4,655,546
Share Certificates
4,266
Number of Accounts for Share Drafts
32,951
IRA KEOGH Accounts
1,418
Number of Accounts for Regular Shares
51,723
Non Member Deposits
4
Money Market Shares
3,762
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
67,396,964
Total Liabilities
1,057,738,382
Source: NCUA — Last Updated 03/31/2026
2026 MBR Health & Safety Badge
Seattle Metropolitan Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Seattle Metropolitan Credit Union
How many branches does Seattle Metropolitan Credit Union operate?
Seattle Metropolitan Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Seattle Metropolitan Credit Union?
Yes, to access services at Seattle Metropolitan Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Seattle Metropolitan Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Seattle Metropolitan Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Seattle Metropolitan Credit Union offer online and mobile banking?
Most modern institutions like Seattle Metropolitan Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.seattlecu.com.
Current Seattle Metropolitan Credit Union Rates
12-Month CD3.45%
24-Month CD3.45%
60-Month CD3.30%
Savings0.10%
MMA0.45%
Retrieved from our database of financial products. Rates subject to change.