Spark something special—Get these offers before they flicker out
with a spark of financial freedom
best credit cards
9.99%
11.99%
16.99%
0.00%
with a spark of financial freedom
best CD rates
With Add-On Flexibility
Awesome CD Special
APY*-up to $250,000
WOW! Best Offer
APY*-up to $250,000
Trailblazer-Youth
APY*-up to $5,000
Trailblazer-Youth
APY*-up to $5,000
Whether you are financing a home improvement project, consolidating debt or covering unexpected expenses, deciding between personal loans comes down to your budget, how much you need and how quickly you plan to pay it off.
with a spark of financial freedom
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Monthly Qualification Requirements:
Amped Checking
- Be enrolled in eStatements
- Have a valid email address on file
- Be enrolled in Online Banking and log in at least once a month
- Swipe your Debit or Credit Card at least 15 times a month
- Have at least $500 direct deposited into the account each month
Click Here to Open an Amped Checking Account!
Amped Savings
- Maintain an Amped Checking account
- Have an eligible loan or credit card
Click Here to Open an Amped Savings Account!
Disclosures:
*APY = Annual Percentage Yield. Amped Checking: 5.00% APY applies to balances up to $10,000 when monthly qualification requirements are met. Balances above $10,000 earn 0.01%–5.00% APY. If qualifications are not met, all balances earn 0.01% APY. Fees may reduce earnings. Rates are variable and may change after account opening.
**Amped Savings: Balances up to $25,000 receive 5.00% APY; balances above $25,000.01 receive 0.01%–5.00% APY. To earn the advertised rate, members must maintain an active Amped Checking account, meet all monthly qualification requirements, and have an eligible loan in good standing with the Credit Union. Eligible loans include personal loans, auto loans, VISA credit cards, home equity loans, mortgages, and other qualifying loans. If the member no longer has an active loan, they have 30 days to open a new qualifying loan, or the Amped Savings account will be closed and funds transferred to a Regular Share account. If Amped Checking qualifications are not met, the dividend rate will be 0.01% APY. Fees may reduce earnings. Rates are accurate as of the last dividend declaration date and may change after account opening.
Fill out the form below to add an Amped Savings Account!
| Checking Accounts | Tier | APY* | Min. Balance To Earn |
|---|---|---|---|
| Amped Checking | $0.01 - $10,000.00 | 5.00% | $0.01 |
| Amped Checking | $10,000.01 & Up | 0.01% - 5.00% | $0.01 |
| Savings Accounts | Dividend Rate | APY* | Min. Balance To Earn |
|---|---|---|---|
| Regular Savings** | 0.10% | 0.10% | $5.00 |
| Special Savings | 0.10% | 0.10% | $5.00 |
| Amped Savings | 4.89% | 5.00% | $0.01 |
| Trailblazers Youth Banking*** | 2.10% | 2.12% | $5.00 |
| Club Accounts | 0.10% | 0.10% | $5.00 |
| IRA Savings | 0.50% | 0.50% | $5.00 |
**$100 minimum balance to avoid a service fee. Minimum shares balance fee will be charged on aggregate savings balances of <$100 and no other services. The minimum shares balance fee is waived if the member has any different additional account under the same membership, and for primary account holders under the age of 18.
***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.
| Certificate Specials | APY* | Min. Deposit |
|---|---|---|
| 9 Month Bump Certificate | 4.00% | $50 |
| 15 Month Bump Certificate | 4.70% | $50 |
Certificates (CDs): A minimum deposit of $50 is required to open the 9-month promotional CD and obtain the advertised 4.00% APY. A minimum deposit of $50 is required to open the 15-month promotional CD and obtain the advertised 4.70% APY. A penalty may be imposed for early withdrawal. Dividends are compounded and credited monthly. Additional deposits are permitted during the CD term. One rate bump is permitted during the CD term. If Ignite Credit Union increases the advertised rate for the same CD Special you currently hold, you may request a one-time increase to the new advertised rate. The rate bump applies only to Ignite Credit Union’s advertised rate for the same CD Special and does not extend or otherwise change the original CD term or maturity date. Limited-time offer. Federally insured by the NCUA. Call 888.860.6928 for more information.
Certificates (CDs): APY is accurate and is guaranteed for the term of the account. Minimum balance of $50, with a maximum insured deposit of $250,000. Subject to early withdrawal penalty. Dividends will be paid directly to the certificate on a monthly basis. Upon maturity, the certificate will be deposited into the Savings Account. Rates, terms, and features are subject to change without prior notification. Federally insured by NCUA.
| Certificate Term | APY* | Min. Deposit |
|---|---|---|
| 3 Month Certificate | 1.10% | $50 |
| 6 Month Certificate | 1.51% | $50 |
| 12 Month Certificate | 2.17% | $50 |
| 18 Month Certificate | 2.17% | $50 |
| 24 Month Certificate | 2.12% | $50 |
| 36 Month Certificate | 2.33% | $50 |
| 48 Month Certificate | 2.53% | $50 |
| 60 Month Certificate | 2.73% | $50 |
Certificates (CDs): APY is accurate and is guaranteed for the term of the account. Minimum balance of $50, with a maximum insured deposit of $250,000. Subject to early withdrawal penalty. Dividends will be paid directly to the certificate on a monthly basis. Upon maturity, the certificate will be deposited into the Savings Account. Rates, terms, and features are subject to change without prior notification. Federally insured by NCUA.
Paying high interest on your current auto, boat or RV loan? Refinance with Ignite Credit Union today and save up to 2% APR*.
*APR = Annual Percentage Rate. This offer applies to auto, boat, and recreational vehicle (RV) loans. This offer excludes existing loans from Allegan Credit Union, Rivertown Credit Union, or BlueOx Credit Union, divisions of Ignite Credit Union, credit cards, or mortgages. Auto floor rate equals 4.24% APR, RV/boat floor rate equals 7.44% APR, and other secured loan floor rate equals 8.04% APR, with other rates based on creditworthiness. All loans are subject to credit approval. Ignite Credit Union is an Equal Opportunity Lender. Federally insured by the NCUA.
| Used Autos/Motorcycles | APR* | Term |
|---|---|---|
| Model Years 2027 & Older (Previously Titled) | as low as | months |
| 2027 & Older (Previously Titled) | 4.74% | Up to 60 months |
| 2027 & Older (Previously Titled) | 5.49% | 61 - 72 months |
| 2027 & Older (Previously Titled) | 6.49% | 73 - 84 months |
To estimate your minimum monthly payment, use our Minimum Payment Calculator. Click Here
| Recreational Loans | APR* | Term |
|---|---|---|
| Loan Type | as low as | months |
| Travel Trailer / Watercraft / 4-Wheeler / Side-by-Side | 7.99% | Up to 72 months |
| Travel Trailer / Watercraft / 4-Wheeler / Side-by-Side | 8.29% | 73 - 119 months |
| Travel Trailer / Watercraft / 4-Wheeler / Side-by-Side | 8.99% | 120 - 240 months |
| Tractors / Golf Carts / Farm Equipment / UCC | 8.29% | Up to 72 months |
| Tractors / Golf Carts / Farm Equipment / UCC | 8.59% | 73 - 119 months |
| Tractors / Golf Carts / Farm Equipment / UCC | 9.29% | 120 - 180 months |
To estimate your minimum monthly payment, use our Minimum Payment Calculator. Click Here
| Personal Loans | APR* | Term |
|---|---|---|
| as low as | months | |
| Holiday Loan Special | 8.99% | Up to 12 Months |
| Personal Loan | 10.99% | Up to 60 months |
To estimate your minimum monthly payment, use our Minimum Payment Calculator. Click Here
| Credit Cards | APR* | Balance Transfer APR** |
|---|---|---|
| as low as | ||
| Classic Visa | 9.99% | 0% for 12 months** |
| Rewards Visa | 11.99% | 0% for 12 months** |
| Credit Builder Visa | 16.99% |
**Balance Transfers: The 0% APR applies to balance transfers only and is valid for 12 months from the date of the first balance transfer. No balance transfer fees apply. After the 12-month introductory period, the APR will revert to the standard fixed APR for balance transfers, which ranges from 9.99% APR to as high as 15.99%, based on creditworthiness. Rates are fixed and based on the Prime Rate. Subject to credit approval. Terms and conditions apply. Deposits are federally insured by NCUA.
Members can apply for a QuickLift Loan inside the mobile app or online banking.
Simply click Apply and members can ask for a loan up to $5,000. Decisions are made in under 5 minutes and funds are deposited directly into their account.
Decisions are based off multiple factors such as member relationship with Ignite Credit Union. QuickLift Loans do not require a credit check and do not report to credit bureaus.
