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: March 3, 2025
| Line of Credit Loan Rates | Rates |
|---|---|
| Performance Settlement LOC (001) | 5.50% |
| Standard Settlement LOC (002) | 5.50% |
| Advantage LOC (003) | 5.25% |
Effective Date: July 14, 2025
| Term Loans With Prepayment Fee* | Rates |
|---|---|
| 1 Month | 4.94% |
| 2 Months | 4.87% |
| 3 Months | 4.88% |
| 4 Months | 4.78% |
| 5 Months | 4.86% |
| 6 Months | 4.83% |
| 1 Year and greater | Call |
Rates for corporate certificates from six to 48 months.
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- Call Us: 800.405.7067
Effective Date: July 14, 2025
| Certificate Term | Rates |
|---|---|
| 6 Months | 4.16% |
| 9 Months | 4.15% |
| 12 Months | 4.13% |
| 18 Months | 4.03% |
| 24 Months | 3.95% |
| 30 Months | 3.92% |
| 36 Months | 3.92% |
| 48 Months | 3.98% |
- 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 Corporate 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: June 30, 2025
| Average Rates for Month End | Average Rates for Month End |
|---|---|
| Cash Management Fund | 0.80% |
| CIF | 2.19% |
Effective Date: June 16, 2025
| PCC Rates * | Rates |
|---|---|
| 4th Quarter 2024 - Estimate** | 4.95% |
| 3rd Quarter 2024 - Actual | 4.98% |
| 2nd Quarter 2024 - Actual | 5.39% |
| 1st Quarter 2024 - Actual | 5.97% |
*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: July 14, 2025
| Overnight Account | Rates |
|---|---|
| Cash Management | 0.80% |
| Daily Shares | 0.60% |
Effective Date: July 14, 2025
| Overnight Performance Tiered Acct (PTA) | Rates |
|---|---|
| Tier 5: Greater than $40,000,000 | 4.43% |
| Tier 4: $10,000,000.01 up to $40,000,000 | 4.25% |
| Tier 3: $5,000,000.01 up to $10,000,000 | 4.03% |
| Tier 2: $1,000,000.01 up to $5,000,000 | 3.70% |
| Tier 1: Less than or equal to $1,000,000 | 3.60% |
Effective Date: July 14, 2025
| Overnight Standard Tiered Acct (STA) | Rates |
|---|---|
| Tier 5: Greater than $40,000,000 | 4.23% |
| Tier 4: $10,000,000.01 up to $40,000,000 | 4.05% |
| Tier 3: $5,000,000.01 up to $10,000,000 | 3.83% |
| Tier 2: $1,000,000.01 up to $5,000,000 | 3.50% |
| Tier 1: Less than or equal to $1,000,000 | 3.40% |
Market indicators updated daily.
Effective Date: July 14, 2025
| Market Indicators | Rates |
|---|---|
| Secured Overnight Financing Rate (SOFR) | 4.31% |
| Interest Rate on Reserve Balances | 4.40% |
| Prime Rate | 7.50% |
| 3 Month Bill | 4.34% |
| 6 Month Bill | 4.27% |
| 1 Year T-Bill | 4.08% |
| 2 Year T-Note | 3.90% |
| 5 Year T-Note | 3.99% |
| 10 Year T-Note | 4.44% |
| 30 Year Bond | 4.99% |
| Goldman Sachs Financial Square Government Fund | 4.1780% |
Calculators
Use these calculators to determine the Total Sale Price in US Dollars or International Currency when exchanging currency with members.
Historical Rates
Monthly history of rates paid on deposit accounts and charged on loans for the past three months.
Peer Statistics
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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