All Rates

SAVINGS & CHECKING RATES
Effective Date: 11/3/2022
APY=Annual Percentage Yield. Rates are subject to change without notice.
TypeMinimumAPY
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%
0.50%
Daily Cash Account (DCA) $2,500
$5,000
$10,000
$25,000
0.20%
0.20%
0.25%
0.35%

CERTIFICATE RATES
Effective Date: 11/3/2022
APY=Annual Percentage Yield. Rates are subject to change without notice.
TypeTermMinimumAPY
VIP Certificate 3 months $10,000 0.20%
Certificate 6 months
12 months
18 months
30 months
$1,000
$1,000
$1,000
$1,000
0.30%
0.45%
0.70%
0.70%
IRA Certificate 24 months $1,000 0.60%
Head Start Youth Certificate1 6 months $25 0.401%
Save to Win Certificate 12 months $25 0.20%
1.Available to members through high school graduation. $1,000 maximum total deposit. 

NEW AND USED AUTO LOANS
Effective Date: 1/29/2023
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 YearTermAPR as low as
2020-2024 36 months 3.69%
2020-2024 60 months 3.94%
2020-2024 72 months 4.19%
2022-2024 (new only) 84 months 4.69%
2018-2019 60 months 4.94%
2018-2019 72 months 5.19%
2014-2017 60 months 5.44%

NEW AND USED MOTORCYCLE LOANS
Effective Date: 1/29/2023
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 YearTermAPR as low as
2020-2024 60 months 5.19%
2020-2024 72 months 5.44%
2019-2018 60 months 5.44%
2014-2017 60 months 6.44%
Used motorcycles 2013 and older add 1.50% to rate.

BOAT, RV, AND MOTORHOME LOANS
Effective Date: 1/29/2023
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.
TermAPR as low as
36 months 5.24%
60 months 4.99%
72 months 5.24%
120 months ($45,000 minimum) 6.25%
180 months ($45,000 minimum) 6.99%
Model years 2021-2024. 2011 and older add 1.50% to rate

PERSONAL LOANS
Effective Date: 1/29/2023
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.
TermAPR as low as
1-36 months 9.24%
36-60 months 9.74%

VISA PLATINUM CREDIT CARDS
Effective Date: 1/1/2023
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.
CardAPR
Platinum with Rewards 8.90%
Platinum Elite 10.90%
Platinum 12.90%
Platinum Basic 14.90%

SECOND MORTGAGE LOANS
Effective Date: 1/1/2023
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.
TermAPR as low as
5 Year 6.50%
7 Year 6.75%
10 Year 7.00%
15 Year 7.50%

HOME EQUITY LINE OF CREDIT
Effective Date: 1/29/2023
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.
TypeAPR as low as
Variable rate line of credit 4.99%

OTHER LOANS
Effective Date: 1/1/2023
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.
TypeAPR as low as
Open End LOC/Overdraft Loan 10.00%
Share Pledge - Regular 4.50%
Share Pledge - DCA 5.00%
50/50 Loan 7.99%

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