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Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of March 17,2021.
Fees may reduce earnings. Terms and dividends rates are subject to change without notice.

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

BalanceDividend RatesAPY
Balances up to $20,0002.227%2.250%

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

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Max Money Account

Minimum Balance Required to Earn DividendsDividends RatesAPY
$0 - $2,499 (Service Fee $6)0.001%0.001%
$2,500 - $4,9990.290%0.240%
$5,000 - $19,9990.330%0.280%
$20,000+0.369%0.320%

Personal Savings

Account Minimum Balance Required to Earn Dividends Dividends Rates APY
Basic Savings $2000.150%0.150%
Youth Savings
Age 17 & under (Kidz Saver)
$250.399%0.400%
Club Accounts
Limited Access
(Santa Saver, Vacation Club)
$250.399%0.400%
Traditional Individual Retirement Account (IRA)
$2000.896%0.900%
ROTH IRA$2000.896%0.900%

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.

Save Better

BalanceDividends Rates APY
Balances up to $50,0001.005%1.010%

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

TermMinimum Balance Required to Earn DividendsDividends Rates APY
12 Months$1,0000.698%0.700%
18 Months$1,0000.896%0.900%
24 Months$1,0000.995%1.000%
36 Months$1,0001.094%1.100%
48 Months$1,0001.193%1.200%
60 Months$1,0001.292%1.300%

Penalty for early withdrawal.

Regular Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates APY
6 Months$1,0000.399%0.400%
12 Months$1,0000.499%0.500%
18 Months$1,0000.698%0.700%
24 Months$1,0000.797%0.800%
36 Months$1,0000.896%0.900%
48 Months$1,0000.995%1.000%
60 Months$1,0001.094%1.100%

Penalty for early withdrawal.

Jumbo Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates APY
6 Months$50,0000.499%0.500%
12 Months$50,0000.598%0.600%
18 Months$50,0000.797%0.800%
24 Months$50,0000.896%0.900%
36 Months$50,0000.995%1.000%
48 Months$50,0001.094%1.100%
60 Months$50,0001.193%1.200%

Penalty for early withdrawal.

Business Checking Plus

Minimum Balance Required to Earn DividendsDividends Rates APY
$0 - $2,4990.001%0.001%
$2,500 - $9,9990.150%0.150%
$10,000 - $24,9990.190%0.190%
$25,000 - $49,9990.230%0.230%
$50,000+0.270%0.270%

$12 Monthly Service Fee if Balance falls below $2,500.00

Business Max Money Account

Minimum Balance Required to Earn DividendsDividends Rates APY
$0 - $9,9990.050%0.050%
$10,000 - $49,9990.240%0.240%
$50,000 - $99,9990.280%0.280%
$100,000 - $249,9990.320%0.320%
$250,000+0.359%0.359%

$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 $2000.150%0.150%
Special A Shares$2000.150%0.150%
Special B Shares$2000.150%0.150%
Special C Shares
$2000.150%0.150%

Business Share Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates APY
6 Months$1,0000.399%0.400%
12 Months$1,0000.499%0.500%
18 Months$1,0000.698%0.700%
24 Months$1,0000.797%0.800%
36 Months$1,0000.896%0.900%
48 Months$1,0000.995%1.000%
60 Months$1,0001.094%1.100%

Penalty for early withdrawal

Business Jumbo Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates APY
6 Months$50,0000.499%0.500%
12 Months$50,0000.598%0.600%
18 Months$50,0000.797%0.800%
24 Months$50,0000.896%0.900%
36 Months$50,0000.995%1.000%
48 Months$50,0001.094%1.100%
60 Months$50,0001.193%1.200%

Penalty for early withdrawal

Auto Loans

TermInterest Rates as Low As†Monthly Payment per $1000Financed
0-24 Months2.49% APR$43.74New (Non Real Estate)
25-36 Months2.74% APR$30.06 New (Non Real Estate)
37-48 Months2.99% APR$23.33 New (Non Real Estate)
49-60 Months3.24% APR$19.37 New (Non Real Estate)
61-72 Months3.49% APR$16.80New (Non Real Estate)
73-84 Months3.74% APR$15.02 New (Non Real Estate)
85-96 Months4.24% APR$13.95New (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

TypeInterest Rates As Low As
Signature Loan8.95% APR
Share Secured3% above current Basic Savings Rate
Share Certificate Secured2% above earning Share Certificate Rate

APR Subject to the following: Credit Approval | Membership Eligibility Required | Not all applicants will qualify for the lowest rate.

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