Share/Savings Rates

Rates Effective: November 1, 2019

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* $0.00

*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.

Checking Rates

Rates Effective: November 1, 2019

Checking .
Dividend Rate* 0.01%
APY* 0.01%
Minimum Deposit to Open $100.00
Minimum Deposit to Earn APY* $0.00

*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.

Money Market Rates

Rates Effective: November 1, 2019

Money Market .
Dividend Rate* 0.15%
APY* 0.15%
Min. Deposit to Open $0.00
Min. Deposit to Earn APY* $2500.00
Money Market .
Dividend Rate* 0.25%
APY* 0.25%
Min. Deposit to Open $0.00
Min. Deposit to Earn APY* $5000.00
Money Market .
Dividend Rate* 0.40%
APY* 0.40%
Min. Deposit to Open $0.00
Min. Deposit to Earn APY* $25000.00
Money Market .
Dividend Rate* 0.50%
APY* 0.50%
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: November 1, 2019

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

*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.

IRA Rates

Rates Effective: November 1, 2019

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

*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.

Save to Win Share Certificates

Rates Effective: November 1, 2019

Save to Win Share Certificates .
Dividend Rate* 1.00%
APY* 1.00%
Minimum Deposit to Open $25.00
Minimum Deposit to Earn APY* $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: November 1, 2019

6 Month .
Dividend Rate* 0.70%
APY* 0.70%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00
12 Month .
Dividend Rate* 1.00%
APY* 1.00%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00
18 Month .
Dividend Rate* 1.40%
APY* 1.41%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00
24 Month .
Dividend Rate* 1.80%
APY* 1.82%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00
36 Month .
Dividend Rate* 2.00%
APY* 2.02%
Min. Deposit to Open $1000.00
Min. Deposit to Earn APY* $1000.00

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

Auto, Motorcycle, and Boat Rates 2014 & Newer

Rates Effective: November 1, 2019

36 Month .
APR as low as* 3.00%
Aprox. Payment (per $1000) $29.12
48 Month .
APR as low as* 3.25%
Aprox. Payment (per $1000) $22.28
60 Month .
APR as low as* 3.50%
Aprox. Payment (per $1000) $18.22
72 Month .
APR as low as* 4.25%
Aprox. Payment (per $1000) $15.80
84 Month .
APR as low as* 5.50%
Aprox. Payment (per $1000) $14.41

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

Auto, Motorcycle, and Boat Rates 2013 & Older

Rates Effective: November 1, 2019

36 Month .
APR as low as* 6.75%
Aprox. Payment (per $1000) $30.85
48 Month .
APR as low as* 7.00%
Aprox. Payment (per $1000) $24.02

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

Personal Loan Rates

Rates Effective: November 1, 2019

Term APR as low as*
Up to 12 Months 9.25%
13-24 Months 10.25%
25-36 Months 11.25%
37-48 Months 12.25%
49-60 Months 13.25%

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

50% Share Secured Loan Rates

Rates Effective: November 1, 2019

Term APR as low as*
12-24 Months 3.75%
25-36 Months 4.00%
37-48 Months 4.25%
49-60 Months 4.50%
61-72 Months 5.00%

*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: November 1, 2019

Term APR as low as*
12-24 Months 3.00%
25-36 Months 3.25%
37-48 Months 3.50%
49-60 Months 3.75%
61-72 Months 4.00%

*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 7/1/2019
A $10,000 11.50%
B $7,500 14.50%
C $5,000 17.50%

IMPORTANT CREDIT CARD DISCLOSURES. Individual APR (Tier) and credit limit based upon your credit score at the time of your application. Speak with representative for more details.

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