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Rates

Auto Loans

TermInterest Rates as Low As†Monthly Payment per $1000Financed
0-24 Months4.75% APR$43.77New (Non Real Estate)
25-36 Months5.00% APR$29.98New (Non Real Estate)
37-48 Months5.25% APR$23.15New (Non Real Estate)
49-60 Months5.50% APR$19.11New (Non Real Estate)
61-72 Months5.75% APR$16.46New (Non Real Estate)
73-84 Months6.00% APR$14.62New (Non Real Estate)
85-96 Months6.50% APR$13.39New (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.

Recreation and Other Secured Loans

TermInterest Rates as Low As†Monthly Payment per $1000Financed
0-24 Months6.00% APR$44.33New (Non Real Estate)
25-36 Months6.25% APR$30.54New (Non Real Estate)
37-48 Months6.50% APR$23.72New (Non Real Estate)
49-60 Months6.75% APR$19.69New (Non Real Estate)
61-72 Months7.00% APR$17.06New (Non Real Estate)
73-84 Months7.25% APR$15.22New (Non Real Estate)
85-96 Months7.75% APR$13.89New (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.

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 Rates*APY
Balances up to $20,0004.07%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 DividendsDividends Rates*APY
$0 - $2,499 (Service Fee $8)1.01%1.01%
$2,500 - $4,9991.14%1.15%
$5,000 - $19,9991.24%1.25%
$20,000+1.34%1.35%

*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 $2000.50%0.50%
Youth Savings
Age 17 & under (Kidz Saver)
$250.75%0.75%
Club Accounts
Limited Access
(Santa Saver, Vacation Club)
$250.75%0.75%
Traditional Individual Retirement Account (IRA)
$2001.24%1.25%
ROTH IRA$2001.24%1.25%

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

BalanceDividends Rates*APY
Balances up to $50,0001.99%2.01%

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.

  •  

IRA Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates* APY
12 Months$1,0003.45%3.50%
15 Months - Special$1,0004.07%4.15%
18 Months$1,0003.93%4.00%
24 Months$1,0004.03%4.10%
36 Months$1,0004.12%4.20%
48 Months$1,0004.23%4.30%
60 Months$1,0004.31%4.40%

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

TermMinimum Balance Required to Earn DividendsDividends Rates* APY
6 Months$1,0002.96%3.00%
12 Months$1,0003.45%3.50%
15 Months - Special$1,0004.07%4.15%
18 Months$1,0003.93%4.00%
24 Months$1,0004.03%4.10%
36 Months$1,0004.12%4.20%
48 Months$1,0004.22%4.30%
60 Months$1,0004.31%4.40%

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.

Jumbo Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates* APY
6 Months$50,0002.96%3.00%
12 Months$50,0003.45%3.50%
15 Months - Special$50,0004.07%4.15%
18 Months$50,0003.93%4.00%
24 Months$50,0004.03%4.10%
36 Months$50,0004.12%4.20%
48 Months$50,0004.22%4.30%
60 Months$50,0004.31%4.40%

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 DividendsDividends Rates* APY
$0 - $2,4990.00%0.00%
$2,500 - $9,9990.50%0.50%
$10,000 - $24,9990.54%0.54%
$25,000 - $49,9990.58%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 DividendsDividends Rates* APY
$0 - $9,9991.01%1.01%
$10,000 - $49,9991.14%1.15%
$50,000 - $99,9991.24%1.25%
$100,000 - $249,9991.34%1.35%
$250,000+1.44%1.45%

$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 $2000.50%0.50%
Special A Shares$2000.50%0.50%
Special B Shares$2000.50%0.50%
Special C Shares
$2000.50%0.50%

*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

TermMinimum Balance Required to Earn DividendsDividends Rates* APY
6 Months$1,0002.96%3.00%
12 Months$1,0003.45%3.50%
15 Months - Special$1,0004.07%4.15%
18 Months$1,0003.93%4.00%
24 Months$1,0004.03%4.10%
36 Months$1,0004.12%4.20%
48 Months$1,0004.22%4.30%
60 Months$1,0004.31%4.40%

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 Jumbo Certificate

TermMinimum Balance Required to Earn DividendsDividends Rates* APY
6 Months$50,0002.96%3.00%
12 Months$50,0003.45%3.50%
15 Months - Special$50,0004.07%4.15%
18 Months$50,0003.93%4.00%
24 Months$50,0004.03%4.10%
36 Months$50,0004.12%4.20%
48 Months$50,0004.22%4.30%
60 Months$50,0004.31%4.40%

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 21, 2022. Fees may reduce earnings.
Terms and dividends rates are subject to change without notice.

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