APY = Annual Percentage Yield
Rates effective as of June 1, 2023
Rates may change after accounts are opened. Fees may reduce earnings.

Current Prime Rate = 8.25%

Loan Rates  Deposit Rates


Loan Rates

Auto Loans & Motorcycles Learn More

Model Year Rate
New  
(2022 - 2023)

As low as 5.25%

Used  
2018-2021 As low as 5.75%
2013-2017 As low as 6.50%
2012 & Older As low as 8.75%

*Credit qualifications, terms, and conditions apply.

Recreational Vehicles Learn More

Model Year Rate
All Model Years As low as 7.95%

*Credit qualifications, terms, and conditions apply.

Signature Loans Learn More

Rate
As low as 10.95%

*Credit qualifications, terms, and conditions apply.

Variable Rate Home Equity Line of Credit Learn More

Loan to Value Rate Term
Less than or Equal to 70% LTV Prime Rate - .5% up to 240 months
70.01% - 79.99% LTV Prime Rate - .25% up to 240 months
Up to 80% LTV Prime Rate up to 240 months

Rate based on a credit score of 680 or higher. Floor Rate is 3.00% APR. Maximum interest rate is 18.00% APR.

*Credit qualifications, terms, and conditions apply.

Share Secured Loans Learn More

Rate
Prime Rate (with a floor rate of 3.00%)

Visa Credit Cards Learn More

Type Rate
Visa Platinum 14.75% to 19.75%*

Annual percentage rate is determined by credit score.

*Credit qualifications and conditions apply.

Deposit Rates

Share Savings, Special Shares & Club Accounts Learn More

Minimum Balance to Earn Dividends Dividend Rate APY
$100 0.05% 0.05%

Includes Regular, Minor, Teen, Senior, Custodial, Trusts, and Business Accounts

IRA Share Accounts Learn More

Minimum Balance to Earn Dividends Dividend Rate APY
$25 0.10% 0.10%

No IRA fees on balances more than $5,000

Senior Checking Accounts Learn More

Minimum Balance to Earn Dividends Dividend Rate APY
$500 0.10% 0.10%

Money Market Accounts Learn More

Balances Dividend Rate APY
$2,500 - $9,999.99 1.40% 1.409%
$10,000 - $49,999.99 1.50% 1.510%
$50,000 - $99,999.99 1.60% 1.612%
$100,000.00 - $249,999.99 1.75% 1.764%

Share/IRA Certificate Accounts Learn More

Term Rate APY
3 months 3.10% 3.136%
6 months 3.15% 3.187%
12 months 3.75% 3.803%
18 months 3.85% 3.906%
24 months 4.00% 4.060%
36 months 4.05% 4.112%
48 months 4.10% 4.163%
60 months 4.15% 4.215%

 

Minimum Deposit $500.

Early Withdrawal penalties:

  • If the Certificate is less than 12 months, a 90 day dividend penalty will be imposed.
  • If the Certificate is greater than 12 months, a 180 day dividend penalty will be imposed.
  • Minor Certificates are the same rates, with a $250.00 minimum deposit

Minor Certificates Learn More

Same Rate as Share Certificate Account

Minimum Deposit $250.

Early Withdrawal penalties:

  • If the Certificate is less than 12 months, a 90 day dividend penalty will be imposed.
  • If the Certificate is greater than 12 months, a 180 day dividend penalty will be imposed.