APY = Annual Percentage Yield. Rates effective as of 12/01/2024. Fees may reduce earnings. Rates on variable rate accounts (i.e., Savings, Checking and Money Market Savings) could change after account opening.
Loan Rates
New Auto/Van/Truck Loans Learn More Apply Now
| Term | APR* |
|---|---|
| 0-48 months | As low as 4.79% |
| 49-66 months | As low as 5.04% |
| 67-78 months | As low as 5.54% |
| 79-84 months (New Vehicles Only > $25,000) | As low as 6.04% |
*APR = Annual Percentage Rate. Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply. Contact the credit union to find out what rate you qualify for. Payment example for a $20,000 loan at 3.79% APR for 72 months would require a monthly payment of $311.06.
Used Auto/Van/Truck Loans Learn More Apply Now
| Term | APR* |
|---|---|
| 0-48 months | As low as 5.29% |
| 49-66 months | As low as 5.54% |
| 67-78 months | As low as 6.04% |
*APR = Annual Percentage Rate. Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply. Contact the credit union to find out what rate you qualify for. Payment example for a $20,000 loan at 3.99% APR for 72 months would require a monthly payment of $312.88.
New and Used Boat/Motor/Trailer & Campers/RV's Learn More Apply Now
| Term | APR* |
|---|---|
| 0 - 48 months | As low as 5.75% |
| 49 - 78 months | As low as 5.95% |
| 79 - 120 months | As low as 6.95% |
*APR = Annual Percentage Rate. Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply. Contact the credit union to find out what rate you qualify for. Payment example for a $20,000 loan at 5.25% APR for 72 months would require a monthly payment of $324.52.
New and Used Motorcycles Learn More Apply Now
| Term | APR* |
|---|---|
| 0 - 48 months | As low as 5.75% |
| 49 - 66 months | As low as 5.95% |
| 67 - 78 months | As low as 6.95% |
*APR = Annual Percentage Rate. Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply. Contact the credit union to find out what rate you qualify for. Payment example for a $20,000 loan at 5.49% APR for 60 months would require a monthly payment of $382.04.
New and Used ATV Learn More Apply Now
| Term | APR* |
|---|---|
| 0-48 months | As low as 6.79% |
| 49-60 months | As low as 7.29% |
*APR = Annual Percentage Rate. Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply. Contact the credit union to find out what rate you qualify for. Payment example for a $20,000 loan at 5.49% APR for 60 months would require a monthly payment of $382.04.
New and Used Jet Ski Learn More Apply Now
| Term | APR* |
|---|---|
| 0-48 months | As low as 6.79% |
| 49-60 months | As low as 7.29% |
*APR = Annual Percentage Rate. Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply. Contact the credit union to find out what rate you qualify for. Payment example for a $20,000 loan at 5.49% APR for 60 months would require a monthly payment of $382.04.
Home Equity Loans Learn More
| Type | APR* | Other Conditions |
|---|---|---|
| Variable Rate HELOC | As low as 8.00% | $20,000 minimum |
| Fixed Rate HELOC | As low as 9.00% | $20,000 minimum |
| Fixed Rate - 7 years | As low as 7.00% | $20,000 minimum |
| Fixed Rate - Up to 10 years | As low as 7.50% | $20,000 minimum |
| Fixed Rate - Up to 15 years | As low as 8.00% | $20,000 minimum |
*APR = Annual Percentage Rate. Payment example for a Fixed Rate Second Mortgage for $100,000.00 at 6.50% APR would require monthly payments of $871.29 for 180 months.
Other Loans
| Type | APR* |
|---|---|
| Personal Loan | As low as 9.25% |
| Personal Line of Credit | As low as 11.25% |
| Share Secured Loan | Share Rate + 2.00% |
| CD Secured Loan | CD Rate + 2.00% |
| Medical Loan | As low as 7.89% |
| Credit Builder Loan | 12.00% |
| Easy Cash Plus Loan | As low as 17.50% |
*APR = Annual Percentage Rate.
Personal Loan: Example monthly payment per $1,000: $87.48 for 12 months at 8.99% APR. Stated APR includes a .50% Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply.
Shares Secured Loan: Example monthly payment per $1,000: $84.31 for 12 months at 2.15% APR.
Certificate Secured Loan: Example monthly payment per $1,000: $85.26 for 12 months at 4.20% APR.
Medical Loan: Example monthly payment per $1,000: $87.01 for 12 months at 7.99% APR. Stated APR includes a Full Direct Deposit discount. Your actual rate may vary and is based on creditworthiness. All rates and terms are subject to conditions and certain restrictions may apply.
Credit Builder Loan: Example monthly payment per $1,000: $88.84 for 12 months at 12.00% APR.
Deposit Rates
Checking Accounts
| Account | Balance | Dividend Rate | APY |
|---|---|---|---|
| Interest Checking | $2,500+ | 0.15% | 0.15% |
Must maintain a minimum daily balance of $2,500 to earn dividends
Savings Accounts
| Account | Balance | Dividend Rate | APY |
|---|---|---|---|
| Savings | All | 0.15% | 0.15% |
| Healthy Kids Club | All | 0.15% | 0.15% |
| Club Accounts | All | 0.15% | 0.15% |
| Roth/Traditional/Educational IRAs | All | 0.35% | 0.35% |
Savings accounts earn dividends on balances over $100
Money Market Accounts Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| from $100 to $2,499.99 | 0.75% | 0.75% |
| from $2,500 to $24,999 | 1.05% | 1.05% |
| from $25,000 to $49,999 | 1.15% | 1.15% |
| from $50,000 to $99,999 | 1.29% | 1.30% |
| from $100,000 to $149,999 | 1.54% | 1.55% |
| from $150,000 to $199,999 | 2.04% | 2.05% |
| from $200,000 and up | 2.13% | 2.15% |
Must maintain a minimum daily balance of $100 to earn dividends
Certificates of Deposit Learn More
| Term | Minimum Amount | Dividend Rate | APY | Dividends Paid |
|---|---|---|---|---|
| 6 months | $500 | 2.42% | 2.45% | Monthly |
| 12 months | $500 | 3.35% | 3.40% | Monthly |
| 13 months *Special | $500 | 3.98% | 4.05% | Monthly |
| 18 months | $500 | 3.45% | 3.50% | Monthly |
| 24 months | $500 | 3.49% | 3.55% | Monthly |
| 30 months | $500 | 3.49% | 3.55% | Monthly |
| 36 months | $500 | 3.49% | 3.55% | Monthly |
| 48 months | $500 | 3.40% | 3.45% | Monthly |
| 60 months | $500 | 3.45% | 3.50% | Monthly |
| Healthy Kids Club 12 months | $500 | 3.35% | 3.40% | Monthly |
*Special Certificate of Deposit automatically renews to a 12-month CD with rates and terms effective as advertised on renewal date.
Penalty for early withdrawal.
Individual Retirement Accounts Learn More
| Term | Minimum Amount | Dividend Rate | APY | Dividends Paid |
|---|---|---|---|---|
| 6 months | $500 | 2.42% | 2.45% | Monthly |
| 12 months | $500 | 3.35% | 3.40% | Monthly |
| 18 months | $500 | 3.45% | 3.50% | Monthly |
| 24 months | $500 | 3.49% | 3.55% | Monthly |
| 30 months | $500 | 3.49% | 3.55% | Monthly |
| 36 months | $500 | 3.49% | 3.55% | Monthly |
| 48 months | $500 | 3.40% | 3.45% | Monthly |
| 60 months | $500 | 3.45% | 3.50% | Monthly |
Penalty for early withdrawal.
Health Savings Account Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| from $0 - $2,500 | 0.60% | 0.60% |
| from $2,501 - $10,000 | 0.65% | 0.65% |
| from $10,001 - $25,000 | 0.70% | 0.70% |
| from $25,001 - $50,000 | 0.75% | 0.75% |
| from $50,001 - and up | 0.75% | 0.75% |