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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of June 12, 2019. Fees may reduce earnings. Rates and terms subject to change without notice

Winners Circle Dividend Rewards Learn More

Earn more on some deposits depending on your Winner’s Circle Rewards level. Dividend Rewards are added to APYs for share and regular club accounts, Seniors Choice Checking, and Rewards Checking.

Dividend Rewards
Star = +0.00%
Ribbon = +0.05%
Medallion = +0.10%
Trophy = +0.15%

Checking Accounts Learn More

Account Minimum Balance Dividend Rate APY
Rewards Checking No minimum balance 0.60% 0.60%
Seniors Choice Checking $100 0.60% 0.60%

Savings Accounts Learn More

Account Dividend Rate APY
Share Accounts 0.60% 0.60%
Club Accounts 0.60% 0.60%
Christmas Club Accounts 0.60% 0.60%
Freedom Funds Accounts 0.60% 0.60%
Health Savings Accounts (HSAs) 0.65% 0.65%

Money Market Accounts Learn More

Balance Dividend Rate APY
$2,500 – $9,999 0.85% 0.85%
$10,000 – $24,999 0.90% 0.90%
$25,000 – $49,999 0.95% 0.95%
$50,000 – $99,999 1.00% 1.00%
$100,000 – $149,999 1.04% 1.05%

 

$2,500 minimum balance is required to earn dividends on Money Market Accounts.

Share/IRA Certificates (CDs) Learn More

Term Dividend Rate APY
6 Months (182 days) 1.44% 1.45%
12 Months (365 days) 1.64% 1.65%
18 Months (547 days) 1.84% 1.85%
24 Months (730 days) 2.03% 2.05%
30 Months (912 days) 2.08% 2.10%
60 Months (1,824 days) 2.97% 3.00%

 

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Individual Retirement Accounts (IRAs) Learn More

Balance Dividend Rate APY
Less than $10,000 0.85% 0.85%
$10,000 – $24,999 0.90% 0.90%
$25,000 – $49,999 0.954% 0.95%
$50,000 – $99,999 1.00% 1.00%
$100,000 + 1.04% 1.05%

Business Share & Club Accounts

Account Dividend Rate APY
Share & Club 0.60% 0.60%

Business Share Draft Accounts

Account Dividend Rate APY
Small Business Checking with Dividends 0.60% 0.60%
Commercial Checking 0.60% 0.60%

Business Money Market Accounts

Balance Dividend Rate APY
$2,500 – $9,999 0.85% 0.85%
$10,000 – $24,999 0.90% 0.90%
$25,000 – $49,999 0.95% 0.95%
$50,000 – $99,999 1.00% 1.00%
$100,000 – $149,999 1.04% 1.05%
$150,000 – $199,999 1.49% 1.50%
$200,000+ 1.98% 2.00%

$2,500 minimum balance is required to earn dividends on Money Market Accounts.

Business Share Certificates

Term Dividend Rate APY
6 Months (182 days) 1.44% 1.45%
12 Months (365 days) 1.64% 1.65%
18 Months (547 days) 1.84% 1.85%
24 Months (730 days) 2.03% 2.05%
30 Months (912 days) 2.08% 2.10%
60 Months (1,825 days) 2.97% 3.00%

 

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Home Equity Loans Learn More

APR
Please visit our Mortgage Webcenter for a rate quote here.

Actual rate received based on applicants credit worthiness. Rates vary daily. For current rates, please contact us.

Home Equity Lines of Credit (HELOCs) Learn More

APR
Please visit our Mortgage Webcenter for a rate quote here.

Actual rate received based on applicants credit worthiness. Rates vary daily. For current rates, please contact us.

New Cars & Trucks Learn More

Mileage Term APR
Less than 25,000 miles1 54 months or less 3.29% APR to 12.25% APR
Less than 25,000 miles1 55 - 63 months 3.49% APR to 12.50% APR
Less than 25,000 miles1 64 - 75 months 3.69% APR to 8.19% APR
Less than 25,000 miles (invoice or NADA retail value over $12,500)2 76 - 84 months 5.99% APR to 6.29% APR

All rates and terms are subject to change without notice. Loan rates and terms will vary depending on the strength of member’s credit, value of collateral financed and term selected. We offer other rates and terms for members with special borrowing needs. Proof of insurance is required with $1,000 deductible standard. Generally, we will only loan NADA loan value or purchase price, whichever is less. All approved loans are eligible for warranty financing. Price of warranty is not to exceed $3,500. Warranty term has to be 24/24 or greater.

1For qualified borrowers, the Credit Union can finance up to 130% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added.

2For qualified borrowers, the Credit Union can finance up to 130% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76 – 84 months on new vehicles requires invoice or NADA retail value greater than $12,500

Used Cars & Trucks Learn More

Mileage Term APR
25,000 - 99,999 miles1 54 months or less 3.99% to 13.00%
25,000 - 99,999 miles1 55 to 63 months 4.09% to 13.25%
25,000 - 99,999 miles1 64 to 75 months 4.79% to 10.99%
100,000 miles or more2 54 months or less 5.69% to 13.50%
100,000 miles or more2 55 to 63 months 5.89% to 13.75%
100,000 miles or more2 64 to 75 months 6.49% to 11.99%

1For qualified borrowers, the Credit Union can finance up to 130% of NADA Retail Value INCLUDES tax, tag, warranty. In addition GAP Protection may be added. *64 – 75 months on used vehicles requires invoice or NADA retail value greater than $12,500.00.

2For qualified borrowers, the Credit Union can finance up to 100% of NADA Retail Value INCLUDES tax, tag, warranty. In addition GAP Protection may be added.

New Motorcycles Learn More

Term APR
36 months 4.74% to 10.24%
48 months 5.24% to 10.74%
60 months 5.74% to 11.24%
72 months 6.24% to 9.24%
84 months 6.74% to 9.74%

2015 – 2016 model year (street bikes only). For qualified borrowers, the Credit Union can finance up to 100% of MSRP (plus tax, tag, and warranty). Dealer discounts not accepted as down payments. Warranty up to $1,200. $10,000 minimum for 72 and 84 months.

Used Motorcycles Learn More

Term APR
36 months 5.74% to 10.74%
48 months 6.24% to 11.24%
60 months 6.74% to 11.74%
72 months 7.24% to 8.24%

2011 model year and newer (street bikes only). For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (includes tax, tag, and warranty). Dealer discounts not accepted as down payments. $10,000 minimum for 72 months.

New Boats Learn More

Amount Term APR
$9,999 or less up to 60 Months 5.24% to 14.00%
$10,000 to $24,999 from 61 to 120 Months 5.24% to 13.00%
$25,000 to $49,999 from 121 to 144 Months 5.24% to 9.25%
$50,000 or higher from 145 to 180 Months 5.24% to 9.00%

For qualified borrowers, the Credit Union can finance up to 100% of MRSP (plus tax, tag, and license).

New Motorhomes Learn More

Amount Term APR
$9,999 or less $9,999 or less up to 60 Months 5.15% to 14.00%
$10,000 to $24,999 $10,000 to $24,999 from 61 to 120 Months 5.15% to 13.00%
$25,000 to $49,999 $25,000 to $49,999 from 121 to 144 Months 5.15% to 8.25%
$50,000 or higher $50,000 or higher from 145 to 180 Months 5.15% to 8.25%

For qualified borrowers, the Credit Union can finance up to 100% of MRSP (plus tax, tag, and license).

New Travel Trailers & Campers Learn More

Amount Term APR
$9,999 or less $9,999 or less up to 60 Months 7.00% to 10.75%
$10,000 to $24,999 $10,000 to $24,999 from 61 to 120 Months 6.75% to 11.00%
$25,000 to $49,999 $25,000 to $49,999 from 121 to 144 Months 6.50% to 9.25%
$50,000 or higher $50,000 or higher from 145 to 180 Months 6.25% to 9.00%

For qualified borrowers, the Credit Union can finance up to 100% of MRSP (plus tax, tag, and license).

Used Boats, Motorhomes, Travel Trailers & Campers Learn More

Amount Term APR
$9,999 or less up to 60 Months 8.00% to 11.00%
$10,000 to $24,999 from 61 to 120 Months 7.75% to 11.25%
$25,000 to $49,999 from 121 to 144 Months 7.50% to 10.25%
$50,000 or higher from 145 to 180 Months 7.25% to 10.00%

For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (plus tax, tag, and license)

ATVs, Jet Skis, Computer, Home Electronics & Other Collateral Learn More

Term APR
24 months 7.75% to 15.25%
36 months 8.00% to 15.50%
48 months 8.25% to 15.75%
60 months 8.50% to 16.00%

For qualified borrowers: New computers and home electronics up to 100% retail, new ATVs and jet skis up to 75% MSRP, new or used other collateral up to 75% NADA used trade-in value (tax, tag, and warranty included in percentages).

Personal Loans Learn More

Loan Type Term APR
Personal Term Loan 24 Months 8.24% to 15.25%
Personal Term Loan 36 Months 8.24% to 16.25%
Personal Term Loan 48 Months 8.24% to 17.25%
Personal Term Loan 60 Months 8.24% to 18.00%
Secured Loans Varied Loan APR is determined by adding 2% to the dividend rate you are earning on the share account that will be secured for the loan.
Personal Line of Credit Revolving 8.99% to 14.99%

Rates vary daily. For current rates, please contact us.