Auto Loans
| Term | Interest Rates as Low As†| Monthly Payment per $1000 | Financed |
|---|---|---|---|
| 0-24 Months | 5.50% APR | $44.02 | New (Non Real Estate) |
| 25-36 Months | 5.75% APR | $30.08 | New (Non Real Estate) |
| 37-48 Months | 6.00% APR | $23.55 | New (Non Real Estate) |
| 49-60 Months | 6.25% APR | $19.34 | New (Non Real Estate) |
| 61-72 Months | 6.50% APR | $16.53 | New (Non Real Estate) |
| 73-84 Months | 6.75% APR | $15.69 | New (Non Real Estate) |
| 85-96 Months | 7.25% APR | $13.78 | New (Non Real Estate) |
†Member agrees to auto-pay.
APR Subject to the following: Credit Approval | Membership Eligibility Required | Not all will qualify for a loan.
Recreation and Other Secured Loans
| Term | Interest Rates as Low As†| Monthly Payment per $1000 | Financed |
|---|---|---|---|
| 0-24 Months | 7.00% APR | $44.28 | New (Non Real Estate) |
| 25-36 Months | 7.25% APR | $31.95 | New (Non Real Estate) |
| 37-48 Months | 7.50% APR | $22.32 | New (Non Real Estate) |
| 49-60 Months | 7.75% APR | $20.32 | New (Non Real Estate) |
| 61-72 Months | 8.00% APR | $13.29 | New (Non Real Estate) |
| 73-84 Months | 8.25% APR | $14.28 | New (Non Real Estate) |
| 85-96 Months | 8.75% APR | $13.66 | New (Non Real Estate) |
† Member agrees to auto-pay.
APR Subject to the following: Credit Approval | Membership Eligibility Required | Not all will qualify for a loan.
Personal Loan
| Type | Interest Rates As Low As |
|---|---|
| Signature Loan | 9.99% APR |
| Share Secured | 3% above current Basic Savings Rate |
| Share Certificate Secured | 2% above earning Share Certificate Rate |
APR Subject to the following: Credit Approval | Membership Eligibility Required | Not all will qualify for a loan.
Spend Better
Free checking account that pays 2% cash back on qualifying debit card purchases up to $300. Maximum $6 cash back per qualification cycle.*
To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Spend Better account during each Monthly Qualification Cycle: 12 debit card transactions to post to and settle to the account | 1 ACH credit (like a direct deposit) | Enroll in an e-statement
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Earn Better
| Balance | Dividend Rates* | APY |
|---|---|---|
| Balances up to $20,000 | 4.07% | 4.15% |
To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Earn Better account during each Monthly Qualification Cycle: 12 debit card transactions to post to and settle to the account | 1 ACH credit (like a direct deposit) | Enroll in an e-statement.
*The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
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Max Money Account
| Minimum Balance Required to Earn Dividends | Dividends Rates* | APY |
|---|---|---|
| $0 - $2,499 (Service Fee $8) | 1.24% | 1.25% |
| $2,500 - $4,999 | 1.40% | 1.40% |
| $5,000 - $19,999 | 1.54% | 1.55% |
| $20,000+ | 1.69% | 1.70% |
*The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
Personal Savings
| Account | Minimum Balance Required to Earn Dividends | Dividends Rates* | APY |
|---|---|---|---|
| Basic Savings | $200 | 0.25% | 0.25% |
| Youth Savings Age 17 & under (Kidz Saver) | $25 | 0.35% | 0.35% |
| Club Accounts Limited Access (Santa Saver, Vacation Club) | $25 | 0.35% | 0.35% |
| Traditional Individual Retirement Account (IRA) | $200 | 1.00% | 1.00% |
| ROTH IRA | $200 | 1.00% | 1.00% |
For Vacation Savers accounts, the entire balance will be transferred to another account of yours on or after April 1 and the account will remain open. For Santa Savers accounts, the entire balance will be transferred to another account of yours on or after October 1 and the account will remain open. Early withdrawals from either account will be subject to a $15 early withdrawal fee.
*The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
Save Better
| Balance | Dividends Rates* | APY |
|---|---|---|
| Balances up to $50,000 | 3.938% | 4.01% |
To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Save Better account during each Monthly Qualification Cycle: 12 debit card transactions to post to and settle to the account | 1 ACH credit (like a direct deposit) | Enroll in an e-statement.
*The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
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IRA Certificate
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates* | APY |
|---|---|---|---|
| 12 Months | $1,000 | 3.35% | 3.40% |
| 18 Months | $1,000 | 3.20% | 3.25% |
| 24 Months | $1,000 | 3.20% | 3.25% |
| 36 Months | $1,000 | 3.20% | 3.25% |
| 48 Months | $1,000 | 3.20% | 3.25% |
| 60 Months | $1,000 | 3.20% | 3.25% |
Penalty for early withdrawal.
*The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
Regular Certificate
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates* | APY |
|---|---|---|---|
| 6 Months | $1,000 | 3.69% | 3.75% |
| 12 Months | $1,000 | 3.35% | 3.40% |
| 18 Months | $1,000 | 3.20% | 3.25% |
| 24 Months | $1,000 | 3.20% | 3.25% |
| 36 Months | $1,000 | 3.20% | 3.25% |
| 48 Months | $1,000 | 3.20% | 3.25% |
| 60 Months | $1,000 | 3.20% | 3.25% |
Penalty for early withdrawal.
*The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
Business Checking Plus
| Minimum Balance Required to Earn Dividends | Dividends Rates* | APY |
|---|---|---|
| $0 - $2,499 | 0.00% | 0.00% |
| $2,500 - $9,999 | 0.50% | 0.50% |
| $10,000 - $24,999 | 0.54% | 0.54% |
| $25,000 - $49,999 | 0.58% | 0.58% |
| $50,000+ | 0.62% | 0.62% |
$12 Monthly Service Fee if Balance falls below $2,500.00
*The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
Business Max Money Account
| Minimum Balance Required to Earn Dividends | Dividends Rates* | APY |
|---|---|---|
| $0 - $9,999 | 1.24% | 1.25% |
| $10,000 - $49,999 | 1.40% | 1.40% |
| $50,000 - $99,999 | 1.54% | 1.55% |
| $100,000 - $249,999 | 1.69% | 1.70% |
| $250,000-$2,499,999 | 1.83% | 1.85% |
| $2,500,000 & over | 2.81% | 2.85% |
$12 Monthly Service Fee if Balance falls below 4,000.000.
*The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
Business Savings
Account Minimum Balance Required to Earn Dividends Dividends Rates* APY
Basic Savings $200 0.25% 0.25%
Special A Shares $200 0.25% 0.25%
Special B Shares $200 0.25% 0.25%
Special C Shares
$200 0.25% 0.25%
*The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
Business Share Certificate
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates* | APY |
|---|---|---|---|
| 6 Months | $1,000 | 3.69% | 3.75% |
| 12 Months | $1,000 | 3.35% | 3.40% |
| 18 Months | $1,000 | 3.20% | 3.25% |
| 24 Months | $1,000 | 3.20% | 3.25% |
| 36 Months | $1,000 | 3.20% | 3.25% |
| 48 Months | $1,000 | 3.20% | 3.25% |
| 60 Months | $1,000 | 3.20% | 3.25% |
Penalty for early withdrawal
*The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of November 19, 2025. Fees may reduce earnings.
Terms and dividends rates are subject to change without notice.
This credit union is federally insured by the National Credit Union Administration.
