All Rates
SAVINGS & CHECKING RATES
Effective Date: 1/1/2024
APY=Annual Percentage Yield. Rates are subject to change without notice.
| Type | Minimum | APY |
|---|---|---|
| Regular and Special Savings | $200 | 0.10% |
| Basic Checking | $0.00 | 0.00% |
| Checking Plus | $1,000 $2,500 |
0.10% 0.15% |
| IRA Savings | $0.00 $1,000 $5,000 |
0.15% 0.25% 1.01% |
| Daily Cash Account (DCA) | $2,500 $5,000 $10,000 $25,000 $50,000 |
0.20% 0.20% 0.44% 0.635% 0.90% |
CERTIFICATE RATES
Effective Date: 1/1/2024
APY=Annual Percentage Yield. Rates are subject to change without notice.
| Type | Term | Minimum | APY |
|---|---|---|---|
| VIP Certificate | 3 months | $10,000 | 1.01% |
| Certificate | 6 months 12 months 18 months 30 months |
$1,000 $1,000 $1,000 $1,000 |
1.02% 1.51% 2.02% 2.53% |
| IRA Certificate | 24 months | $1,000 | 3.04% |
| Head Start Youth Certificate1 | 6 months | $25 | 0.705% |
| Save to Win Certificate | 12 months | $25 | 0.50% |
| 1.Available to members through high school graduation. $1,000 maximum total deposit. | |||
NEW AND USED AUTO LOANS
Effective Date: 4/14/2024
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
| Model Year | Term | APR as low as |
|---|---|---|
| 2021-2025 | 36 months | 5.14% |
| 2021-2025 | 60 months | 5.39% |
| 2021-2025 | 72 months | 5.64% |
| 2023-2025 (new only) | 84 months | 6.39% |
| 2019-2020 | 60 months | 6.64% |
| 2019-2020 | 72 months | 6.89% |
| 2015-2018 | 60 months | 7.14% |
NEW AND USED MOTORCYCLE LOANS
Effective Date: 4/1/2024
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
| Model Year | Term | APR as low as |
|---|---|---|
| 2021-2025 | 60 months | 6.64% |
| 2021-2025 | 72 months | 6.89% |
| 2019-2020 | 60 months | 7.64% |
| 2015-2018 | 60 months | 8.14% |
| Used motorcycles 2014 and older add 1.50% to rate. | ||
BOAT, RV, AND MOTORHOME LOANS
Effective Date: 4/1/2024
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
| Term | APR as low as |
|---|---|
| 36 months | 6.99% |
| 60 months | 7.24% |
| 72 months | 7.49% |
| 120 months ($45,000 minimum) | 8.00% |
| 180 months ($45,000 minimum) | 8.75% |
| 2012 and older add 1.50% to rate | |
PERSONAL LOANS
Effective Date: 4/14/2024
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
| Term | APR as low as |
|---|---|
| 1-36 months | 11.99% |
| 37-60 months | 13.24% |
VISA PLATINUM CREDIT CARDS
Effective Date: 4/1/2024
APR=Annual Percentage Rate. Rates are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
| Card | APR |
|---|---|
| Platinum with Rewards | 8.90% |
| Platinum Elite | 10.90% |
| Platinum | 12.90% |
| Platinum Basic | 14.90% |
SECOND MORTGAGE LOANS
Effective Date: 4/1/2024
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
| Term | APR as low as |
|---|---|
| 5 Year | 7.50% |
| 7 Year | 7.75% |
| 10 Year | 8.00% |
| 15 Year | 8.25% |
HOME EQUITY LINE OF CREDIT
Effective Date: 4/14/2024
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
| Type | APR as low as |
|---|---|
| Variable rate line of credit | 5.99% |
OTHER LOANS
Effective Date: 4/1/2024
APR=Annual Percentage Rate. Rates are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
| Type | APR as low as |
|---|---|
| Open End LOC/Overdraft Loan | 13.49% |
| Share Pledge - Regular | 6.00% |
| Share Pledge - DCA | 6.50% |
| 50/50 Loan | 12.24% |
| Credit Builder Loan | 15.00% |