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Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of June 1, 2019.
Fees may reduce earnings. Terms and dividends rates are subject to change without notice.

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

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Earn Better

BalanceDividend RatesAPY
Balances up to $20,0004.073%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

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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 - $4,9990.489%0.490%
$5,000 - $19,9990.529%0.530%
$20,000+0.569%0.570%

Personal Savings

Account Minimum Balance Required to Earn Dividends Dividends Rates APY
Basic Savings $2000.399%0.400%
Youth Savings
Age 17 & under
$250.648%0.650%
Club Accounts
Limited Access
$250.648%0.650%
Individual Retirement Account (IRA)
$2001.144%1.150%

Save Better

BalanceDividends Rates APY
Balances up to $50,0001.992%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

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IRA Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates APY
12 Months$1,0002.129%2.150%
15 Months$1,0002.472%2.500%
18 Months$1,0002.374%2.400%
24 Months$1,0002.472%2.500%
36 Months$1,0002.667%2.700%
48 Months$1,0002.765%2.800%
60 Months$1,0002.862%2.900%

Penalty for early withdrawal.

Regular Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates APY
6 Months$1,0001.588%1.600%
12 Months$1,0001.933%1.950%
15 Months$1,0002.374%2.400%
18 Months$1,0002.178%2.200%
24 Months$1,0002.276%2.300%
36 Months$1,0002.472%2.500%
48 Months$1,0002.570%2.600%
60 Months$1,0002.667%2.700%

Penalty for early withdrawal.

Choice Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates APY
6 Months$1,0001.687%1.700%
12 Months$1,0002.031%2.050%
15 Months$1,0002.472%2.500%
18 Months$1,0002.276%2.300%
24 Months$1,0002.374%2.400%
36 Months$1,0002.570%2.600%
48 Months$1,0002.667%2.700%
60 Months$1,0002.765%2.800%

Penalty for early withdrawal. First Choice Certificates must have checking account to receive rate above.

Jumbo Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates APY
6 Months$50,0001.687%1.700%
12 Months$50,0002.031%2.050%
15 Months$50,0002.472%2.500%
18 Months$50,0002.276%2.300%
24 Months$50,0002.374%2.400%
36 Months$50,0002.570%2.600%
48 Months$50,0002.667%2.700%
60 Months$50,0002.765%2.800%

Penalty for early withdrawal.

Business Checking Plus

Minimum Balance Required to Earn DividendsDividends Rates APY
$0 - $2,4990.001%0.001%
$2,500 - $9,9990.200%0.200%
$10,000 - $24,9990.240%0.240%
$25,000 - $49,9990.280%0.280%
$50,000+0.320%0.320%

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

Business Max Money Account

Minimum Balance Required to Earn DividendsDividends Rates APY
$0 - $9,9990.300%0.300%
$10,000 - $49,9990.489%0.490%
$50,000 - $99,9990.529%0.530%
$100,000 - $249,9990.569%0.570%
$250,000+0.608%0.610%

$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 $2000.399%0.400%
Special A Shares$2000.399%0.400%
Special B Shares$2000.399%0.400%
Special C Shares
$2000.399%0.400%

Business Share Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates APY
6 Months$1,0001.588%1.600%
12 Months$1,0001.933%1.950%
15 Months$1,0001.884%2.400%
18 Months$1,0002.178%2.200%
24 Months$1,0002.276%2.300%
36 Months$1,0002.472%2.500%
48 Months$1,0002.570%2.600%
60 Months$1,0002.667%2.700%

Penalty for early withdrawal

Business Jumbo Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates APY
6 Months$50,0001.687%1.700%
12 Months$50,0002.031%2.050%
15 Months$50,0001.982%2.500%
18 Months$50,0002.276%2.300%
24 Months$50,0002.374%2.400%
36 Months$50,0002.570%2.600%
48 Months$50,0002.667%2.700%
60 Months$50,0002.765%2.800%

Penalty for early withdrawal

Auto Loans

TermDividends Rates as Low As†Financed
0-24 Months3.49% APRNew (Non Real Estate)
25-36 Months3.74% APRNew (Non Real Estate)
37-48 Months3.99% APRNew (Non Real Estate)
49-60 Months4.24% APRNew (Non Real Estate)
61-72 Months4.49% APRNew (Non Real Estate)
73-84 Months4.74% APRNew (Non Real Estate)
85-96 Months5.24% APRNew (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

TypeDividends Rates As Low As
Signature Loan9.95% 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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