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
Earn Better
| Balance | Dividend Rates | APY |
|---|---|---|
| Balances up to $20,000 | 2.227% | 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
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 | 0.290% | 0.240% |
| $5,000 - $19,999 | 0.330% | 0.280% |
| $20,000+ | 0.369% | 0.320% |
Personal Savings
| Account | Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|---|
| Basic Savings | $200 | 0.150% | 0.150% |
| Youth Savings Age 17 & under (Kidz Saver) | $25 | 0.399% | 0.400% |
| Club Accounts Limited Access (Santa Saver, Vacation Club) | $25 | 0.399% | 0.400% |
| Individual Retirement Account (IRA) | $200 | 0.896% | 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
| Balance | Dividends Rates | APY |
|---|---|---|
| Balances up to $50,000 | 1.005% | 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
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|---|
| 12 Months | $1,000 | 0.896% | 0.900% |
| 18 Months | $1,000 | 1.094% | 1.100% |
| 24 Months | $1,000 | 1.193% | 1.200% |
| 36 Months | $1,000 | 1.292% | 1.300% |
| 48 Months | $1,000 | 1.391% | 1.400% |
| 60 Months | $1,000 | 1.490% | 1.500% |
Penalty for early withdrawal.
Regular Certificate
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|---|
| 6 Months | $1,000 | 0.598% | 0.600% |
| 12 Months | $1,000 | 0.698% | 0.700% |
| 18 Months | $1,000 | 0.896% | 0.900% |
| 24 Months | $1,000 | 0.995% | 1.000% |
| 36 Months | $1,000 | 1.094% | 1.100% |
| 48 Months | $1,000 | 1.193% | 1.200% |
| 60 Months | $1,000 | 1.292% | 1.300% |
Penalty for early withdrawal.
Choice Certificate
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|---|
| 6 Months | $1,000 | 0.698% | 0.700% |
| 12 Months | $1,000 | 0.797% | 0.800% |
| 18 Months | $1,000 | 0.995% | 1.000% |
| 24 Months | $1,000 | 1.094% | 1.100% |
| 36 Months | $1,000 | 1.193% | 1.200% |
| 48 Months | $1,000 | 1.292% | 1.300% |
| 60 Months | $1,000 | 1.391% | 1.400% |
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 | 0.698% | 0.700% |
| 12 Months | $50,000 | 0.797% | 0.800% |
| 18 Months | $50,000 | 0.995% | 1.000% |
| 24 Months | $50,000 | 1.094% | 1.100% |
| 36 Months | $50,000 | 1.193% | 1.200% |
| 48 Months | $50,000 | 1.292% | 1.300% |
| 60 Months | $50,000 | 1.391% | 1.400% |
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 | 0.150% | 0.150% |
| $10,000 - $24,999 | 0.190% | 0.190% |
| $25,000 - $49,999 | 0.230% | 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 Dividends | Dividends Rates | APY |
|---|---|---|
| $0 - $9,999 | 0.050% | 0.050% |
| $10,000 - $49,999 | 0.240% | 0.240% |
| $50,000 - $99,999 | 0.280% | 0.280% |
| $100,000 - $249,999 | 0.320% | 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 $200 0.150% 0.150%
Special A Shares $200 0.150% 0.150%
Special B Shares $200 0.150% 0.150%
Special C Shares
$200 0.150% 0.150%
Business Share Certificate
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|---|
| 6 Months | $1,000 | 0.598% | 0.600% |
| 12 Months | $1,000 | 0.698% | 0.700% |
| 15 Months | $1,000 | 1.884% | 0.900% |
| 18 Months | $1,000 | 0.896% | 1.000% |
| 24 Months | $1,000 | 0.995% | 1.000% |
| 36 Months | $1,000 | 1.094% | 1.100% |
| 48 Months | $1,000 | 1.193% | 1.200% |
| 60 Months | $1,000 | 1.292% | 1.300% |
Penalty for early withdrawal
Business Choice Certificate
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|---|
| 6 Months | $1,000 | 0.698% | 0.700% |
| 12 Months | $1,000 | 0.797% | 0.800% |
| 18 Months | $1,000 | 0.995% | 1.000% |
| 24 Months | $1,000 | 1.094% | 1.100% |
| 36 Months | $1,000 | 1.193% | 1.200% |
| 48 Months | $1,000 | 1.292% | 1.300% |
| 60 Months | $1,000 | 1.391% | 1.400% |
Business Jumbo Certificate
| Term | Minimum Balance Required to Earn Dividends | Dividends Rates | APY |
|---|---|---|---|
| 6 Months | $50,000 | 0.698% | 0.700% |
| 12 Months | $50,000 | 0.797% | 0.800% |
| 15 Months | $50,000 | 0.995% | 1.000% |
| 18 Months | $50,000 | 0.995% | 1.000% |
| 24 Months | $50,000 | 1.094% | 1.100% |
| 36 Months | $50,000 | 1.193% | 1.200% |
| 48 Months | $50,000 | 1.292% | 1.300% |
| 60 Months | $50,000 | 1.391% | 1.400% |
Penalty for early withdrawal
Auto Loans
| Term | Interest Rates as Low As† | Monthly Payment per $1000 | Financed |
|---|---|---|---|
| 0-24 Months | 2.74% APR | $43.95 | New (Non Real Estate) |
| 25-36 Months | 2.99% APR | $30.27 | New (Non Real Estate) |
| 37-48 Months | 3.24% APR | $23.53 | New (Non Real Estate) |
| 49-60 Months | 3.49% APR | $19.58 | New (Non Real Estate) |
| 61-72 Months | 3.74% APR | $17.01 | New (Non Real Estate) |
| 73-84 Months | 3.99% APR | $15.23 | New (Non Real Estate) |
| 85-96 Months | 4.49% APR | $14.16 | 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 | 8.95% 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.
