APY = Annual Percentage Yield
Rates effective as of June 16, 2022
Rates may change after accounts are opened. Fees may reduce earnings.

Current Prime Rate = 4.75%

Loan Rates  Deposit Rates


Loan Rates

Auto Loans & Motorcycles Learn More

Model Year Rate
New  
(2021 - 2022)

As low as 2.99%

Used  
2018-2020 As low as 3.49%
2012-2017 As low as 4.69%
2011 & Older As low as 6.79%

*Credit qualifications, terms, and conditions apply.

Recreational Vehicles Learn More

Model Year Rate
All Model Years As low as 4.49%

*Credit qualifications, terms, and conditions apply.

Signature Loans Learn More

Rate
As low as 7.99%

*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 10.90% to 15.90%*

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 0.03% 0.03%

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

IRA Share Accounts Learn More

Minimum Balance to Earn Dividends Dividend Rate APY
$25 0.05% 0.05%

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 0.05% 0.05%
$10,000 - $49,999.99 0.10% 0.10%
$50,000 - $99,999.99 0.10% 0.10%
$100,000.00 - $249,999.99 0.15% 0.15%

Share/IRA Certificate Accounts Learn More

Term Rate APY
3 months 0.25% 0.250%
6 months 0.35% 0.350%
12 months 0.45% 0.451%
18 months 0.65% 0.652%
24 months 1.00% 1.004%
36 months 1.25% 1.256%
48 months 1.50% 1.508%
60 months 1.75% 1.762%

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.