Plus Checking

Minimum to Earn Dividend

Minimum Opening Deposit

Rate

APY

Minimum to Earn Dividend

Over $1

Minimum Opening Deposit

$25

Rate

0.05%

APY

0.05%

Share Savings

Minimum to Earn Dividend

Minimum Opening Deposit

Rate

APY

Minimum to Earn Dividend

$0.01 +

Minimum Opening Deposit

$5

Rate

0.01%

APY

0.01%

Money Market

Minimum to Earn Dividend

Minimum Opening Deposit

Rate

APY

Minimum to Earn Dividend

Under $1

Minimum Opening Deposit

$2,500

Rate

0.00%

APY

0.00%

Minimum to Earn Dividend

$1 - $2,499

Minimum Opening Deposit

$2,500

Rate

0.05%

APY

0.05%

Minimum to Earn Dividend

$2,500 - $9,999

Minimum Opening Deposit

$2,500

Rate

0.05%

APY

0.05%

Minimum to Earn Dividend

$10,000 - $49,000

Minimum Opening Deposit

$2,500

Rate

0.10%

APY

0.10%

Minimum to Earn Dividend

$50,000 - $99,999

Minimum Opening Deposit

$2,500

Rate

0.15%

APY

0.15%

Minimum to Earn Dividend

Over $100,000

Minimum Opening Deposit

$2,500

Rate

0.25%

APY

0.25%

Share Certificates

Certificate Term

Minimum Opening Balance

Rate

APY

One-year Bump-Up: Member has option for a one-time opportunity to raise the rate on the certificate to a higher rate if offered for the same term. Variable rate.

One-year Add-On: Member also has the opportunity to add to this certificate at any time during the certificate term. Minimum addition is $1000.00.

Penalty for early withdrawal.

Certificate Term

3 Months

Minimum Opening Balance

$100

Rate

0.100%

APY

0.10%

Certificate Term

6 Months

Minimum Opening Balance

$100

Rate

0.150%

APY

0.15%

Certificate Term

12 Months **

Minimum Opening Balance

$100

Rate

0.200%

APY

0.20%

Certificate Term

24 Months

Minimum Opening Balance

$100

Rate

0.300%

APY

0.30%

Certificate Term

36 Months

Minimum Opening Balance

$100

Rate

0.499%

APY

0.50%

Certificate Term

48 Months

Minimum Opening Balance

$100

Rate

0.598%

APY

.60%

Certificate Term

60 Months

Minimum Opening Balance

$100

Rate

0.747%

APY

.75%

Rates
Auto Loans

Rate

Rate

4.99% -14.59%

Motorcycle & Boat

Rate

Rate

11.25% - 18.00%

RV

Rate

Rate

8.75% - 17.50%

Mortgages

Loan Name

Rate

APR

Points

• APR calculations and interest rate quotes are based on a loan amount of $250,000 (purchase price or appraised value equals $312,500 or greater), owner-occupied purchase or refinance transaction secured by a single-family residence, loan-to-value of 80%, FICO score of 740 or higher, and a 60-day rate lock.
* Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. Actual rates, fees, and APRs may vary based on credit scores and other factors. Minimum down payment varies based on loan type selected. Mortgage loans are subject to closing costs. Loans with a Loan to Value (LTV) of 80% or higher are subject to Private Mortgage Insurance (PMI).

ARM Acknowledgement

  • 15/15 ARM Index for one-time rate adjustment is the 30 day SOFR Index plus 2.50% margin, cap 5%
  • 5/5 ARM Index for adjustment is 5 year treasury bill plus 2.50% margin, 2% per adjustment. cap 5%.

Loan Name

30 Year Fixed Rate

Rate

6.00%

APR

As low as 6.128%

Points

0%

Apply Online!

Loan Name

20 Year Fixed Rate

Rate

5.625%

APR

As low as 5.792%

Points

0%

Apply Online!

Loan Name

15 Year Fixed Rate

Rate

5.375%

APR

As low as 5.584%

Points

0%

Apply Online!

Loan Name

10 Year Fixed Rate

Rate

5.250%

APR

As low as 5.545%

Points

0%

Apply Online!

Loan Name

15/15 ARM 30 Years

Rate

5.375%

APR

As low as 5.693%

Points

0%

Apply Online!

Loan Name

5/5 ARM 30 Years

Rate

5.000%

APR

As low as 6.000%

Points

0%

Apply Online!

Home Equity

Speak with a Financial Service Representative for rates and terms on Home Equity Loan and Home equity Lines of Credit. Save time by scheduling an appointment online today

Personal Loans and Lines

Product

APR

Terms

Rate Type

Product

Signature Loan

APR

12.20% - 18.00%

Terms

Under $10,000 - 36 months
Over $10,000 - 48 months
Over $15,000 - 60 months

Rate Type

Fixed Rate

Product

Preferred Access Line of Credit

APR

10.499% - 11.249%

Terms

Open End Line of Credit

Rate Type

Variable Rate

Product

Share Secured

APR

6.125%

Terms

Up to 10 years

Rate Type

Variable Rate

Product

Certificate Secured

APR

6.125%

Terms

Up to 10 years

Rate Type

Variable Rate

Product

Credit Builder

APR

6.125%

Terms

Up to 24 months for loans under $2,000
Up to 36 months for loans up to $10,000

Rate Type

Variable Rate

Product

Money Market Secured Loans

APR

6.125%

Terms

Up to 10 years

Rate Type

Variable Rate

Credit Card

Product Name

APR

Benefit

Product Name

Mastercard Platinum without Rewards

APR

10.25%-18.00%

Benefit

Classic credit card without point rewards

Product Name

Mastercard Platinum with Rewards

APR

12.25%-18.00%

Benefit

Build reward points while you utilize credit for products or experiences

Disclosures

Rates up to date as of 9/1/2022

APY = Annual Percentage Yield

APR = Annual Percentage Rate

Fees may reduce earnings. View our fees here.

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