Spend Better
Free checking account that pays 3% cash back on qualifying debit card purchases up to $300. Maximum $9 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
Earn Better
| Balance | Dividend Rates | APY |
|---|---|---|
| Balances up to $20,000 | 4.073% | 4.150% |
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
Max Money Account
| Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|
| $0 - $2,499 (Service Fee $6) | 0.001% | 0.001% |
| $2,500 - $4,999 | 0.339% | 0.340% |
| $5,000 - $19,999 | 0.379% | 0.380% |
| $20,000+ | 0.419% | 0.420% |
Personal Savings
| Account | Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|---|
| Basic Savings | $200 | 0.250% | 0.250% |
| Youth Savings Age 17 & under | $25 | 0.499% | 0.500% |
| Club Accounts Limited Access | $25 | 0.499% | 0.500% |
| Individual Retirement Account (IRA) | $200 | 0.995% | 1.000% |
Save Better
| Balance | Dividends Rates | APY |
|---|---|---|
| Balances up to $50,000 | 1.992% | 2.010% |
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
IRA Certificate
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|---|
| 12 Months | $1,000 | 2.080% | 2.100% |
| 15 Months | $1,000 | 2.472% | 2.500% |
| 18 Months | $1,000 | 2.325% | 2.350% |
| 24 Months | $1,000 | 2.423% | 2.450% |
| 36 Months | $1,000 | 2.521% | 2.550% |
| 48 Months | $1,000 | 2.7618% | 2.650% |
| 60 Months | $1,000 | 2.716% | 2.750% |
Penalty for early withdrawal.
Regular Certificate
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|---|
| 6 Months | $1,000 | 1.490 | 1.500% |
| 12 Months | $1,000 | 1.884% | 1.90% |
| 15 Months | $1,000 | 2.374% | 2.400% |
| 18 Months | $1,000 | 2.129% | 2.150% |
| 24 Months | $1,000 | 2.227% | 2.250% |
| 36 Months | $1,000 | 2.325% | 2.350% |
| 48 Months | $1,000 | 2.423% | 2.450% |
| 60 Months | $1,000 | 2.521% | 2.550% |
Penalty for early withdrawal.
Choice Certificate
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|---|
| 6 Months | $1,000 | 1.588% | 1.600% |
| 12 Months | $1,000 | 1.982% | 2.000% |
| 15 Months | $1,000 | 2.472% | 2.500% |
| 18 Months | $1,000 | 2.227% | 2.250% |
| 24 Months | $1,000 | 2.325% | 2.350% |
| 36 Months | $1,000 | 2.423% | 2.450% |
| 48 Months | $1,000 | 2.521% | 2.550% |
| 60 Months | $1,000 | 2.618% | 2.650% |
Penalty for early withdrawal. First Choice Certificates must have checking account to receive rate above.
Jumbo Certificate
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|---|
| 6 Months | $50,000 | 1.588% | 1.600% |
| 12 Months | $50,000 | 1.982% | 2.000% |
| 15 Months | $50,000 | 2.472% | 2.500% |
| 18 Months | $50,000 | 2.227% | 2.250% |
| 24 Months | $50,000 | 2.325% | 2.350% |
| 36 Months | $50,000 | 2.423% | 2.450% |
| 48 Months | $50,000 | 2.521% | 2.550% |
| 60 Months | $50,000 | 2.618% | 2.650% |
Penalty for early withdrawal.
Business Checking Plus
| Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|
| $0 - $2,499 | 0.001% | 0.001% |
| $2,500 - $9,999 | 0.050% | 0.050% |
| $10,000 - $24,999 | 0.090% | 0.090% |
| $25,000 - $49,999 | 0.130% | 0.130% |
| $50,000+ | 0.170% | 0.170% |
$12 Monthly Service Fee if Balance falls below $2,500.00
Business Max Money Account
| Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|
| $0 - $9,999 | 0.150% | 0.150% |
| $10,000 - $49,999 | 0.339% | 0.340% |
| $50,000 - $99,999 | 0.379% | 0.380% |
| $100,000 - $249,999 | 0.419% | 0.420% |
| $250,000+ | 0.459% | 0.460% |
$12 Monthly Service Fee if Balance falls below 4,000.000.
Business Savings
Account Minimum Balance Required to Earn Dividends Dividends Rates APY
Basic Savings $200 0.250% 0.250%
Special A Shares $200 0.250% 0.250%
Special B Shares $200 0.250% 0.250%
Special C Shares
$200 0.250% 0.250%
Business Share Certificate
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|---|
| 6 Months | $1,000 | 1.490% | 1.500% |
| 12 Months | $1,000 | 1.884% | 1.900% |
| 15 Months | $1,000 | 2.374% | 2.400% |
| 18 Months | $1,000 | 2.129% | 2.150% |
| 24 Months | $1,000 | 2.227% | 2.250% |
| 36 Months | $1,000 | 2.325% | 2.350% |
| 48 Months | $1,000 | 2.423% | 2.450% |
| 60 Months | $1,000 | 2.521% | 2.550% |
Penalty for early withdrawal
Business Jumbo Certificate
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|---|
| 6 Months | $50,000 | 1.588% | 1.600% |
| 12 Months | $50,000 | 1.982% | 2.000% |
| 15 Months | $50,000 | 2.472% | 2.500% |
| 18 Months | $50,000 | 2.227% | 2.250% |
| 24 Months | $50,000 | 2.325% | 2.350% |
| 36 Months | $50,000 | 2.423% | 2.450% |
| 48 Months | $50,000 | 2.521% | 2.550% |
| 60 Months | $50,000 | 2.618% | 2.650% |
Penalty for early withdrawal
Auto Loans
| Term | Interest Rates as Low As† | Monthly Payment per $1000 | Financed |
|---|---|---|---|
| 0-24 Months | 3.74% APR | $43.32 | New (Non Real Estate) |
| 25-36 Months | 3.99% APR | $29.53 | New (Non Real Estate) |
| 37-48 Months | 4.24% APR | $22.70 | New (Non Real Estate) |
| 49-60 Months | 4.49% APR | $18.65 | New (Non Real Estate) |
| 61-72 Months | 4.74% APR | $15.99 | New (Non Real Estate) |
| 73-84 Months | 4.99% APR | $14.14 | New (Non Real Estate) |
| 85-96 Months | 5.49% APR | $12.90 | New (Non Real Estate) |
† Loan rates are dependent on the following: Member has direct deposit in share draft account | Member agrees to auto-pay
APR Subject to the following: Credit Approval | Membership Eligibility Required | Not all applicants will qualify for the lowest rate.
Personal Loan
| Type | Interest Rates As Low As |
|---|---|
| Signature Loan | 9.95% 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 applicants will qualify for the lowest rate.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government – National Credit Union Administration (NCUA), a U.S. Government Agency.
