Current Rates
Checking & Savings
Primary Share (Savings) Account
Minimum Balance |
Dividend Rate |
APY* |
$5.00
|
0.10% |
0.10% |
Youth Savers**
|
|
|
$5.00 - $5,000 |
0.25% |
0.25% |
$5,000.01 or more |
0.10% |
0.10% |
**Youth Savers Account eligible for individuals under 18. Parent or Legal Guardian must be named as joint owner (child as primary). A minimum $5 balacne required to open an account. Membership and other qualifications apply. 0.25% APY applies to Youth Savers Accounts up to a $5,000 balance, balances above $5,000 will receive the current regular savings rate.
Checking Accounts
Minimum Balance |
Dividend Rate |
APY* |
Basic Checking
|
|
|
Less than $500 |
0.05% |
0.05% |
$500 or more
|
0.05% |
0.05% |
Checking Plus
|
|
|
Less than $500 |
0.05% |
0.05% |
$500 or more
|
0.05% |
0.05% |
Teen Checking1
|
|
|
Less than $500 |
0.05% |
0.05% |
$500 or more
|
0.05% |
0.05% |
HSA (Health Savings Account)
|
|
|
Min. Balance $3,000 |
1.00% |
1.004% |
Min Balance $5,000 |
1.25% |
1.257% |
Min Balance $10,000 |
1.50% |
1.510% |
No Overdraft Checking |
0.00% |
0.00% |
Money Market Accounts
Minimum Balance |
Dividend Rate |
APY* |
$2,500 - $9,999 |
0.12% |
0.12% |
$10,000 - $24,000 |
0.12% |
0.12% |
$25,000 - $49,000 |
0.20% |
0.20% |
$50,000 - $99,999 |
0.30% |
0.30% |
$100,000 or more |
0.50% |
0.50% |
Christmas Club Account
Minimum Balance |
Dividend Rate |
APY* |
$5.00 |
0.10% |
0.10% |
Certificates
Promo Certificate
Term |
Minimum |
Rate |
APY* |
9-month Certificate |
$250 |
4.45% |
4.55% |
9-month Jumbo Certificate |
$100,000 |
4.45% |
4.55% |
9-month Super Jumbo Certificate |
$250,000 |
4.45% |
4.55% |
|
|
|
|
17-month Certificate |
$250 |
4.07% |
4.15% |
17-month Jumbo Certificate |
$100,000 |
4.17% |
4.25% |
17-month Super Jumbo Certificate |
$250,000 |
4.26% |
4.35% |
Certificates
Term |
Minimum |
Rate |
APY* |
91 Days |
$250 |
0.50% |
0.50% |
6 Months |
$250 |
0.65% |
0.65% |
9 Months |
$250 |
4.45% |
4.55% |
1 year |
$250 |
0.90% |
0.90% |
17 Months |
$250 |
4.07% |
4.15% |
18 Months |
$250 |
0.99% |
0.99% |
2 Years |
$250 |
1.00% |
1.00% |
30 Months |
$250 |
1.19% |
1.19% |
3 Years |
$250 |
1.29% |
1.30% |
4 Years |
$250 |
1.34% |
1.35% |
5 Years |
$250 |
1.49% |
1.50% |
Jumbo Certificates
Term |
Minimum |
Rate |
APY* |
91 Day |
$250 |
0.50% |
0.50% |
6 Months |
$250 |
0.65% |
0.65% |
9 Months |
$100,000 |
4.45% |
4.55% |
1 Year |
$100,000 |
1.00% |
1.00% |
17 Months |
$100,000 |
4.17% |
4.25% |
18 Months |
$100,000 |
1.09% |
1.09% |
2 Years |
$100,000 |
1.10% |
1.10% |
30 Months |
$100,000 |
1.29% |
1.29% |
3 Years |
$100,000 |
1.39% |
1.40% |
4 Years |
$100,000 |
1.44% |
1.45% |
5 Years |
$100,000 |
1.59% |
1.60% |
Upon Maturity, promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth in Savings Disclosure for full details.
Super-Jumbo Certificates
Term |
Minimum |
Rate |
APY* |
91 Day |
$250 |
0.50% |
0.50% |
6 Months |
$250 |
0.65% |
0.65% |
9 Months |
$250,000 |
4.45% |
4.55% |
1 Year |
$250,000 |
1.10% |
1.10% |
17 Months |
$250,000 |
4.26% |
4.35% |
18 Months |
$250,000 |
1.19% |
1.19% |
2 Years |
$250,000 |
1.20% |
1.20% |
30 Months |
$250,000 |
1.38% |
1.39% |
3 Years |
$250,000 |
1.49% |
1.50% |
4 Years |
$250,000 |
1.54% |
1.55% |
5 Years |
$250,000 |
1.69% |
1.70% |
Upon Maturity, promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth in Savings Disclosure for full details.
Loans
Auto Loans (Cars, Trucks & Vans)
New: 2023 Models & Newer |
Used: 2019 - 2022 Models |
Term |
APR |
Term |
APR |
Up to 60 months |
Starting at 5.24% |
Up to 60 months |
Starting at 5.93% |
61-72 months |
Starting at 6.09% |
61-72 months |
Starting at 6.59% |
73-84 months |
Starting at 7.19% |
73-84 months |
Starting at 7.64% |
Motorcycles
New: 2023 Models & Newer |
Used: 2019 - 2022 Models |
Term |
APR |
Term |
APR |
Up to 60 months |
Starting at 8.90% |
Up to 60 months |
Starting at 9.40% |
61-72 months |
Starting at 9.90% |
61-72 months |
Starting at 10.40% |
73-84 months |
Starting at 10.90% |
73-84 months |
Starting at 11.40% |
Boat, Recreational Vehicle (RV) and Campers
New: 2023 Models & Newer |
Used: 2019 - 2022 Models |
Term |
APR |
Term |
APR |
60 months |
Starting at 8.15% |
60 months |
Starting at 9.40% |
120 months1 |
Starting at 9.15% |
120 months1 |
Starting at 10.40% |
180 months2 |
Starting at 10.15% |
180 months2 |
Starting at 11.40% |
Secured Loans (other)
Term |
APR |
36 months |
Starting at 9.45% |
48 months |
Starting at 9.95% |
60 months |
Starting at 10.45% |
72 months |
Starting at 10.95% |
84 months |
Starting at 11.45% |
Unsecured (Personal) Loans
Whatever Loan |
Term |
APR |
|
Up to 36 months |
11.99% |
|
37-60 months |
13.99% |
|
61-84 months |
15.99% |
Home Equity Products
Fixed Rate: 85% Loan to Value - First Lien Position* |
Fixed Rate: 85% Loan to Value - Second Lien Position* |
Term |
APR |
Term |
APR |
Up to 60 months |
Starting at 7.25% |
Up to 60 months |
Starting at 7.50% |
61-84 months |
Starting at 7.75% |
61-84 months |
Starting at 8.00% |
85-120 months |
Starting at 8.00% |
85-120 months |
Starting at 8.50% |
121-180 months |
Starting at 9.00% |
121-180 months |
Starting at 9.50% |
*10,000 Minimum for loan amount.
Variable Lines of Credit: 85% Loan-to-Value |
Lien Position |
APR |
Calculation |
First Position |
Starting at 7.25% |
Prime Rate minus 0.25% |
Second Position |
Starting at 7.50% |
Prime Rate |
Student Choice Refinancing
Term |
APR |
5 Year |
Starting at 4.99% |
10 year |
Starting at 5.99% |
15 year |
Starting at 6.74% |
Mortgage Rates Available Upon Request.