Rates & Stats
Navigate Financial Success with Precision
Knowledge is power, and Catalyst is here to empower your decision making with up-to-date rates, statistics and guidelines that can drive your strategies. When you’re ready to understand the story behind the numbers, Catalyst can help there, too, with a team of experts dedicated to helping credit unions make sense of the financial world and make decisions that will drive their future success.
Line of credit and term loan rates.
Effective Date: June 12, 2026
| Line of Credit Loan Rates | Rates |
|---|---|
| Performance Settlement LOC (001) | 4.75% |
| Standard Settlement LOC (002) | 4.75% |
| Advantage LOC (003) | 4.50% |
Effective Date: June 12, 2026
| Term Loans With Prepayment Fee* | Rates |
|---|---|
| 1 Month | 4.09% |
| 2 Months | 4.08% |
| 3 Months | 4.10% |
| 4 Months | 4.14% |
| 5 Months | 4.16% |
| 6 Months | 4.18% |
| 1 Year and greater | Call |
Contact Catalyst's Member Credit Department at 800.442.5763, Option 6 for more information.
* Term Rate Details
- These term loan rates are indications, subject to change based on market conditions.
- Term loan maturities range from 31 days to five years. Longer term maturities may be available from time-to-time.
- Term loans can be structured to include amortization schedules, variable interest rates or prepayment alternatives to fit your individual credit union's needs.
- Catalyst's term loan rates are based on an actual year base of 365/366 days.
- Please note: Some other lenders use a 360 day year base which increases their stated rate by approximately 7 basis points.
Rates for corporate certificates from six to 48 months.
- Contact us
- Call Us: 800.405.7067
Effective Date: June 12, 2026
| Certificate Term | Rates |
|---|---|
| 6 Months | 3.70% |
| 9 Months | 3.81% |
| 12 Months | 3.86% |
| 18 Months | 4.05% |
| 24 Months - Special | 4.18% |
| 30 Months | 4.14% |
| 36 Months | 4.15% |
| 48 Months | 4.20% |
- Rates quoted are indicative and are subject to change based on market conditions at the time when order is received.
- Catalyst reserves the right to close the offering of certificates based on changes in market conditions or demand.
- Early redemption will be subject to a market-based penalty pricing.
- **Deposits at Catalyst are protected by the National Credit Union Share Insurance Fund, with deposits insured up to $250,000 per individual depositor.
Cash Management and Community Investment Fund average rates for month-end and Perpetual Contributed Capital (PCC) account quarterly rate estimates and actual.
Effective Date: May 31, 2026
| Average Rates for Month End | Average Rates for Month End |
|---|---|
| Cash Management Fund | 0.50% |
| CIF | 1.815% |
Effective Date: May 15, 2026
| PCC Rates * | Rates |
|---|---|
| 2nd Quarter 2026 - Estimate** | 4.26% |
| 1st Quarter 2026 - Actual | 4.30% |
| 4th Quarter 2025 - Actual | 4.70% |
| 3rd Quarter 2025 - Actual | 4.98% |
*PCC rates are declared and posted on TranZact on the 15th day of the month following each quarter end.
**The estimated PCC rate is updated monthly for credit union accrual information.
Cash Management Account and Performance Tiered Account rates.
Effective Date: June 12, 2026
| Overnight Account | Rates |
|---|---|
| Cash Management | 0.50% |
| Daily Shares | 0.30% |
Effective Date: June 12, 2026
| Overnight Performance Tiered Acct (PTA) | Rates |
|---|---|
| Tier 5: Greater than $40,000,000 | 3.71% |
| Tier 4: $10,000,000.01 up to $40,000,000 | 3.50% |
| Tier 3: $5,000,000.01 up to $10,000,000 | 3.28% |
| Tier 2: $1,000,000.01 up to $5,000,000 | 2.95% |
| Tier 1: Less than or equal to $1,000,000 | 2.85% |
Effective Date: June 12, 2026
| Overnight Standard Tiered Acct (STA) | Rates |
|---|---|
| Tier 5: Greater than $40,000,000 | 3.51% |
| Tier 4: $10,000,000.01 up to $40,000,000 | 3.30% |
| Tier 3: $5,000,000.01 up to $10,000,000 | 3.08% |
| Tier 2: $1,000,000.01 up to $5,000,000 | 2.75% |
| Tier 1: Less than or equal to $1,000,000 | 2.65% |
Market indicators updated daily.
Effective Date: June 12, 2026
| Market Indicators | Rates |
|---|---|
| Secured Overnight Financing Rate (SOFR) | 3.60% |
| Interest Rate on Reserve Balances | 3.65% |
| Prime Rate | 6.75% |
| 3 Month Bill | 3.70% |
| 6 Month Bill | 3.79% |
| 1 Year T-Bill | 3.86% |
| 2 Year T-Note | 4.08% |
| 5 Year T-Note | 4.21% |
| 10 Year T-Note | 4.49% |
| 30 Year Bond | 4.98% |
| Goldman Sachs Financial Square Government Fund | 3.5044% |
Calculators
Use these calculators to determine the Total Sale Price in U.S. dollars or international currency when exchanging currency with members.
Historical Rates
EFFECTIVE JULY 31, 2025: Historical rates are now available through filters on the associated rate tables above.
Peer Statistics
National peer statistics reports for the past four quarters.
National Report for 4th Quarter 2025
National Report for 3rd Quarter 2025
Dividend Guidelines
Data provided is a blend of credit union and bank data reporting dividends.
Loan Guidelines
Get a snapshot of loan rates to guide your own loan pricing strategy.
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