American United is becoming Haven on November 16. Same credit union, new name.
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Rates
Today's rates
Real numbers, plainly. Compare every account and loan rate in one place.
4.00%
APY*
Certificates with GoldStar
4.99%
APR*
Auto loans, as low as
3.99%
APR*
HELOC intro rate
Deposit rates effective April 1, 2026. Business loan rates as of July 28, 2026. Rates subject to change without notice.
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Checking
Savings
Certificates
Money Market
Auto loans
RV, boat & motorcycle
Credit cards
Personal loans
Home loans
Business loans
Checking
Open or apply
Account
Dividend rate
APY*
Balance to earn dividends
Primary Checking
0.050%
0.050%
$500+
GoldStar Checking
0.100%
0.100%
$500+
Business Basic Checking
0.050%
0.050%
$500+
Business Premier Checking
0.200%
0.200%
$500+
ATM Checking
None
None
No checks
Fresh Start Checking
None
None
$100 minimum balance
*APY = Annual Percentage Yield. GoldStar requires qualifying membership. Checks are not allowed on ATM or Fresh Start checking.
Savings
Open or apply
Account
Dividend rate
APY*
Balance to earn dividends
Primary Savings
0.100%
0.100%
$50+
GoldStar Savings
0.125%
0.125%
$50+
Business Savings
0.125%
0.125%
$50+
Youth Savings
0.150%
0.150%
$50+
Club Savings
0.100%
0.100%
$25+
Retirement (IRA) Savings
0.499%
0.500%
$1+
Youth Savings is for members under 18. IRA withdrawals before age 59.5 may be subject to penalty.
Certificates
Open or apply
Term
Rate & APY*
GoldStar rate & APY*
Regular & IRA minimum
Dedicated Saver minimum
6 to 60 months
3.832% (3.900% APY)
3.929% (4.000% APY)
$500+
$5+
Same rate on all terms: 6, 12, 18, 24, 36, 48 and 60 months. Early withdrawal penalty is 180 days of dividends.
Money Market
Open or apply
Balance
Dividend rate
APY*
$1,000 - $4,999
0.946%
0.950%
$5,000 - $9,999
0.995%
1.000%
$10,000 - $24,999
1.144%
1.150%
$25,000 - $49,999
1.687%
1.700%
$50,000 - $99,999
2.031%
2.050%
$100,000 - $249,999
2.667%
2.700%
$250,000+
3.203%
3.250%
Auto loans
Open or apply
Model year & title
60-month APR*
72-month APR*
84-month APR*
2020 & newer
As low as 4.99%
As low as 5.24%
As low as 5.99%
2019 & older
As low as 5.99%
As low as 6.24%
As low as 6.99%
2020 & newer, branded title
As low as 5.49%
As low as 5.99%
Not available
2019 & older, branded title
As low as 6.49%
As low as 6.99%
Not available
*APR = Annual Percentage Rate. GoldStar membership required for these rates, otherwise rate is 0.25% APR higher. On approved credit.
RV, boat & motorcycle
Open or apply
Loan type
Model year
Rate (APR*)
Longest term
RV, boat & trailer
2020 & newer
As low as 7.24%
84 months (8.24% to 144)
RV, boat & trailer
2019 & older
As low as 8.24%
84 months (9.24% to 144)
Motorcycle & ATV
2020 & newer
As low as 6.99%
84 months
Motorcycle & ATV
2019 & older
As low as 7.99%
84 months
Credit cards
Open or apply
Card
Fixed APR*
Visa Reward Points
As low as 9.90%
Visa Cash Back
As low as 12.90%
Visa Secured
9.90% for all credit scores
Visa Business Cash Back
As low as 9.90%
Personal loans
Open or apply
Loan
12-month
24-month
36-month
48-month
60-month
Signature
10.99%
11.24%
11.49%
11.74%
11.99%
Holiday (Nov to Dec)
8.74%
8.99%
Not available
Not available
Not available
Quick Cash (3 to 12 months)
27.5%
Not available
Not available
Not available
Not available
Rates shown are as low as APR* with GoldStar, otherwise 0.25% APR higher. Quick Cash: up to $2,000, 27.5% APR on 3, 6, 9 and 12-month terms, no credit check, $20 non-refundable application fee. Secured loans are 3.00% to 4.00% above your savings or certificate rate. Overdraft Line of Credit is 18.00% APR.
Home loans
Open or apply
Loan
Term
APR*
First mortgage
15, 20 & 30 years
Call 801-359-9600 for today's rates
First mortgage
5, 7 & 10 years
As low as 4.99%
Home equity loan
5, 7, 10 & 15 years
As low as 5.49%
HELOC
10-year draw, 20-year amortization
WSJ Prime Rate
HELOC intro rate
6 months
3.99%
Construction loan
1 year
As low as 6.25%
Business loans
Open or apply
Loan
Term & rate
Commercial real estate
Call 801-359-9600 for today's rates
Lines of credit
Call 801-359-9600 for today's rates
Equipment
Call 801-359-9600 for today's rates
Vehicles
Call 801-359-9600 for today's rates
Small Business (SBA)
Call 801-359-9600 for today's rates
Membership required. All loans on approved credit. Rates and terms are subject to change without notice. See Terms & Conditions and the Service Fees schedule for details.
Have a question about a rate?
Our team can walk you through terms, payments and what you qualify for.
801-359-9600
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Contact us
A credit union for real financial lives.
Meeting you where you are.
Routing number
324078640
Mailing address
PO Box 1030, West Jordan, UT 84084
CONTACT US
801-359-9600
Local
877-992-8663
Toll free
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VISA CARD LOST OR STOLEN?
Business hours
877-583-5015
After hours (debit)
800-754-4128
After hours (credit)
800-808-7230
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©2026 Haven Credit Union | NMLS ID 486009
All rights reserved. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. This credit union is federally insured by the National Credit Union Administration. Equal Housing Opportunity.