Rates

Share/Savings Rates

Rates Effective: January 01, 2023

Type	Dividend Rate*	APY*	Minimum Deposit to Open	Minimum Deposit to Earn APY*
Savings	0.10%	0.10%	$10.00	$10.00
Savings Clubs	0.10%	0.10%	$0.00	–

Savings	.
Dividend Rate*	0.10%
APY*	0.10%
Min. Deposit to Open	$10.00
Min. Deposit to Earn APY*	$10.00

Savings Clubs	.
Dividend Rate*	0.10%
APY*	0.10%
Min. Deposit to Open	$0.00
Min. Deposit to Earn APY*	–

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

Checking Rates

Rates Effective: January 01, 2023

Type	Dividend Rate*	APY*	Minimum Deposit to Open	Minimum Deposit to Earn APY*
Checking	0.01%	0.01%	$15.00	–

Checking	.
Dividend Rate*	0.01%
APY*	0.01%
Minimum Deposit to Open	$15.00
Minimum Deposit to Earn APY*	–

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

Money Market Rates

Rates Effective: January 01, 2023

Type	Dividend Rate*	APY*	Minimum Deposit to Open	Minimum Deposit to Earn APY*
Money Market	0.10%	0.10%	$0.00	$2500.00
Money Market	0.10%	0.10%	$0.00	$5000.00
Money Market	0.20%	0.20%	$0.00	$25000.00
Money Market	0.35%	0.35%	$0.00	$50000.00

Money Market	.
Dividend Rate*	0.10%
APY*	0.10%
Min. Deposit to Open	$0.00
Min. Deposit to Earn APY*	$2500.00

Money Market	.
Dividend Rate*	0.10%
APY*	0.10%
Min. Deposit to Open	$0.00
Min. Deposit to Earn APY*	$5000.00

Money Market	.
Dividend Rate*	0.20%
APY*	0.20%
Min. Deposit to Open	$0.00
Min. Deposit to Earn APY*	$25000.00

Money Market	.
Dividend Rate*	0.35%
APY*	0.35%
Min. Deposit to Open	$0.00
Min. Deposit to Earn APY*	$50000.00

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

HSA Rates

Rates Effective: January 01, 2023

Type	Dividend Rate*	APY*	Minimum Deposit to Open	Minimum Deposit to Earn APY*
HSA	0.05%	0.05%	$0.00	–

HSA Rates	.
Dividend Rate*	0.05%
APY*	0.05%
Minimum Deposit to Open	$0.00
Minimum Deposit to Earn APY*	–

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

IRA Rates

Rates Effective: January 01, 2023

Type	Dividend Rate*	APY*	Minimum Deposit to Open	Minimum Deposit to Earn APY*
IRA	0.10%	0.10%	$0.00	–

IRA Rates	.
Dividend Rate*	0.10%
APY*	0.10%
Minimum Deposit to Open	$0.00
Minimum Deposit to Earn APY*	–

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

Save to Win Share Certificates

Rates Effective: January 01, 2023

Type	Dividend Rate*	APY*	Minimum Deposit to Open
12 Month	1.30%	1.30%	$25.00

Save to Win Share Certificates	.
Dividend Rate*	1.30%
APY*	1.30%
Minimum Deposit to Open	$25.00

Official Rules | Disclosure | *APY = Annual Percentage Yield. Certificate rates are subject to change without notice. Penalty for early withdrawal.

Share Certificate Rates

Rates Effective: January 01, 2023

Type	Dividend Rate*	APY*	Minimum Deposit to Open
6 Month	0.80%	0.80%	$1000.00
12 Month	1.30%	1.30%	$1000.00
18 Month	1.55%	1.55%	$1000.00
24 Month	1.60%	1.60%	$1000.00
36 Month	1.80%	1.80%	$1000.00
48 Month	1.95%	1.95%	$1000.00
60 Month	2.15%	2.15%	$1000.00

6 Month	.
Dividend Rate*	0.80%
APY*	0.80%
Min. Deposit to Open	$1000.00

12 Month	.
Dividend Rate*	1.30%
APY*	1.30%
Min. Deposit to Open	$1000.00

18 Month	.
Dividend Rate*	1.55%
APY*	1.55%
Min. Deposit to Open	$1000.00

24 Month	.
Dividend Rate*	1.60%
APY*	1.60%
Min. Deposit to Open	$1000.00

36 Month	.
Dividend Rate*	1.80%
APY*	1.80%
Min. Deposit to Open	$1000.00

48 Month	.
Dividend Rate*	1.95%
APY*	1.95%
Min. Deposit to Open	$1000.00

60 Month	.
Dividend Rate*	2.15%
APY*	2.15%
Min. Deposit to Open	$1000.00

*APY = Annual Percentage Yield. Certificates rates are subject to change without notice. Penalty for early withdrawal. Federally insured by NCUA.

IRA Certificate Rates

Rates Effective: January 01, 2023

Type	Dividend Rate*	APY*	Minimum Deposit to Open
6 Month	0.80%	0.80%	$1000.00
12 Month	1.30%	1.30%	$1000.00
18 Month	1.55%	1.55%	$1000.00
24 Month	1.60%	1.60%	$1000.00
36 Month	1.80%	1.80%	$1000.00
48 Month	1.95%	1.95%	$1000.00
60 Month	2.15%	2.15%	$1000.00

6 Month	.
Dividend Rate*	0.80%
APY*	0.80%
Min. Deposit to Open	$1000.00

12 Month	.
Dividend Rate*	1.30%
APY*	1.30%
Min. Deposit to Open	$1000.00

18 Month	.
Dividend Rate*	1.55%
APY*	1.55%
Min. Deposit to Open	$1000.00

24 Month	.
Dividend Rate*	1.60%
APY*	1.60%
Min. Deposit to Open	$1000.00

36 Month	.
Dividend Rate*	1.80%
APY*	1.80%
Min. Deposit to Open	$1000.00

48 Month	.
Dividend Rate*	1.95%
APY*	1.95%
Min. Deposit to Open	$1000.00

60 Month	.
Dividend Rate*	2.15%
APY*	2.15%
Min. Deposit to Open	$1000.00

15 Month Special	.
Dividend Rate*	4.00%
APY*	4.00%
Min. Deposit to Open	$1000.00

*APY = Annual Percentage Yield. Certificates rates are subject to change without notice. Penalty for early withdrawal. Federally insured by NCUA.

Auto Rates 2016 & Newer

Rates Effective: January 01, 2023

Term	APR as low as*	Approximate Payment (per $1000)
36 Months	2.99%	$29.08
48 Months	4.49%	$22.80
60 Months	4.99%	$18.87
72 Months	5.49%	$16.33
84 Months	6.99%	$15.09

36 Month	.
APR as low as*	2.99%
Aprox. Payment (per $1000)	$29.08

48 Month	.
APR as low as*	4.49%
Aprox. Payment (per $1000)	$22.80

60 Month	.
APR as low as*	4.99%
Aprox. Payment (per $1000)	$18.87

72 Month	.
APR as low as*	5.49%
Aprox. Payment (per $1000)	$16.33

84 Month	.
APR as low as*	6.99%
Aprox. Payment (per $1000)	$15.09

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

Auto Rates 2015 & Older

Rates Effective: January 01, 2023

Term	APR as low as*	Approximate Payment (per $1000)
36 Months	8.50%	$31.57
48 Months	9.00%	$24.89

36 Month	.
APR as low as*	8.50%
Aprox. Payment (per $1000)	$31.57

48 Month	.
APR as low as*	9.00%
Aprox. Payment (per $1000)	$24.89

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

Boat/Motorcycle/RV Rates 2016 & Newer

Rates Effective: January 01, 2023

Term	APR as low as*	Approximate Payment (per $1000)
36 Months	2.99%	$29.08
48 Months	4.49%	$22.80
60 Months	4.99%	$18.87
72 Months	5.49%	$16.33
84 Months	6.99%	$15.09

36 Month	.
APR as low as*	2.99%
Aprox. Payment (per $1000)	$29.08

48 Month	.
APR as low as*	4.49%
Aprox. Payment (per $1000)	$22.80

60 Month	.
APR as low as*	4.99%
Aprox. Payment (per $1000)	$18.87

72 Month	.
APR as low as*	5.49%
Aprox. Payment (per $1000)	$16.33

84 Month	.
APR as low as*	6.99%
Aprox. Payment (per $1000)	$15.09

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

Boat/Motorcycle/RV Rates 2015 & Older

Rates Effective: January 01, 2023

Term	APR as low as*	Approximate Payment (per $1000)
36 Months	8.50%	$31.57
48 Months	9.00%	$24.89

36 Month	.
APR as low as*	8.50%
Aprox. Payment (per $1000)	$31.57

48 Month	.
APR as low as*	9.00%
Aprox. Payment (per $1000)	$24.89

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

Personal Loan Rates

Rates Effective: January 01, 2023

Amount	APR as low as*
Minimum $300 - Maximum $10,000	10.25%

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

50% Share Secured Loan Rates

Rates Effective: January 01, 2023

Term	APR as low as*
Contact Credit Union	4.25%

*Actual Annual Percentage Rate (APR) determined by borrower’s credit score. Credit criteria must be met to qualify.

100% Share Secured Loan Rates

Rates Effective: January 01, 2023

Term	APR as low as*
Contact Credit Union	3.00%

*Actual Annual Percentage Rate (APR) determined by borrower’s credit score. Credit criteria must be met to qualify.

VISA/Variable Rate-Adjusted Semi-Annually (January & July)

Tier	Max Limit	APR as of 01/01/2023
A	$10,000	As Low As 13.50%

IMPORTANT CREDIT CARD DISCLOSURES. *Annual Percentage Rate (APR) based on prime rate as of 01/01/2023. Actual APR and credit limit is determined by qualified borrower's credit score at the time of application. Speak with a representative for more details.

Download Rate Sheet

Rate information is posted and provided as information. Rates are current as of 01/01/2023 and are subject to change without notice as stated in our Account Disclosure Rate Supplement and Schedule of Fees and Charges.

Rates

Share/Savings Rates

Checking Rates

Money Market Rates

HSA Rates

IRA Rates

Save to Win Share Certificates

Share Certificate Rates

IRA Certificate Rates

Auto Rates 2016 & Newer

Auto Rates 2015 & Older

Boat/Motorcycle/RV Rates 2016 & Newer

Boat/Motorcycle/RV Rates 2015 & Older

Personal Loan Rates

50% Share Secured Loan Rates

100% Share Secured Loan Rates

VISA/Variable Rate-Adjusted Semi-Annually (January & July)

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