APY = Annual Percentage Yield
Rates effective as of December 1, 2022
Rates may change after accounts are opened. Fees may reduce earnings.
Current Prime Rate = 7.00%
Loan Rates
Auto Loans & Motorcycles Learn More
| Model Year | Rate |
|---|---|
| New | |
| (2022 - 2023) |
As low as 4.95% |
| Used | |
| 2019-2021 | As low as 5.50% |
| 2013-2018 | As low as 6.75% |
| 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 10.50% |
*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 | 13.25% to 18.25%* |
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% | 0.853% |
| $10,000 - $49,999.99 | 1.50% | 1.004% |
| $50,000 - $99,999.99 | 1.60% | 1.105% |
| $100,000.00 - $249,999.99 | 1.75% | 1.155% |
Share/IRA Certificate Accounts Learn More
| Term | Rate | APY |
|---|---|---|
| 3 months | 1.75% | 1.762% |
| 6 months | 2.00% | 2.015% |
| 12 months | 2.50% | 2.524% |
| 18 months | 2.75% | 2.778% |
| 24 months | 3.00% | 3.034% |
| 36 months | 3.15% | 3.187% |
| 48 months | 3.30% | 3.341% |
| 60 months | 3.50% | 3.546% |
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.