APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of August 8, 2018. Fees may reduce earnings. Rates and terms subject to change without notice.

Winners Circle Dividend Rewards See Details

    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 See Details

    AccountMinimum BalanceDividend RateAPY
    Rewards Checking No minimum balance 0.35% 0.35%
    Seniors Choice Checking $100 0.35% 0.35%

    Savings Accounts See Details

    AccountDividend RateAPY
    Share Accounts  0.35% 0.35%
    Club Accounts 0.35% 0.35%
    Christmas Club Accounts 0.35% 0.35%
    Freedom Funds Accounts 0.35% 0.35%
    Health Savings Accounts (HSAs) 0.40% 0.40%

    Share/IRA Certificates (CDs) See Details

    TermDividend RateAPY
    6 Months (182 days) 1.35% 1.35%
    12 Months (365 days) 1.44% 1.45%
    18 Months (547 days) 1.64% 1.65%
    24 Months (730 days) 1.94% 1.95%
    30 Months (912 days) 1.99% 2.00%
    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) See Details

    BalanceDividend RateAPY
    Less than $10,000 0.35% 0.35%
    $10,000 – $24,999 0.40% 0.40%
    $25,000 – $49,999 0.45% 0.45%
    $50,000 – $99,999 0.60% 0.60%
    $100,000 + 0.75% 0.75%

    Home Equity Loans See Details

    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) See Details

    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 See Details

    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.

    Less Than 25,000 Miles1

    TermAPR
    54 months or less 3.29% APR to 12.25% APR
    55 to 63 months 3.49%  APR to 12.50% APR
    64 to 75 months 3.69% APR  to 8.19% APR

    Less Than 25,000 Miles (Invoice or NADA Retail Value Greater Than $12,500)2

    TermAPR
    76 to 84 months 5.99% APR to 6.29% APR

    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 See Details

    25,000 to 99,999 Miles1

    TermAPR
    54 months or less 3.99% to 13.00%
    55 to 63 months 4.09% to 13.25%
    64 to 75 months 4.79% to 10.99%

    100,000 Miles & More2

    TermAPR
    54 months or less 5.69% to 13.50%
    55 to 63 months 5.89% to 13.75%
    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.

    Personal Loans See Details

    Personal Loans

    TermAPR
    24 Months 8.24% to 15.25%
    36 Months 8.24% to 16.25%
    48 Months 8.24% to 17.25%
    60 Months 8.24% to 18.00%

    Secured Loans

    APR
    Loan APR is determined by adding 2% to the dividend rate you are earning on the share or certificate account that will be secured for the loan.

    Personal Lines of Credit

    APR
    8.99% to 14.99%

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

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