Rates

Basic, Traditional, and Classic Checking

Basic, Traditional, and Classic Checking
Dividend Rate	APY¹
¹ APY = Annual Percentage Yield. The rates and terms shown are effective as of December 22, 2018.
Dividend Rate 0.05%	APY¹ 0.05%

Premium Checking ($1500 Minimum)¹

Premium Checking ($1500 Minimum)¹
Balance	Dividend Rate	APY²
¹ $5 monthly fee if balance is below minimum. ² APY = Annual Percentage Yield. The rates and terms shown are effective as of May 1, 2019.
Balance Less than $2,500	Dividend Rate 0.05%	APY² 0.05%
Balance $2,500+	Dividend Rate 0.35%	APY² 0.35%

Business Checking

Business Checking
Dividend Rate	APY¹
¹ APY = Annual Percentage Yield. The rates and terms shown are effective as of December 22, 2018.
Dividend Rate 0.02%	APY¹ 0.02%

Basic Share (Savvy Saver, Financial Freedom, MyMoney)

Basic Share (Savvy Saver, Financial Freedom, MyMoney)
Deposit Amount	Dividend Rate	APY¹
¹ APY = Annual Percentage Yield. The rates and terms shown are effective as of December 22, 2018.
Deposit Amount $5+	Dividend Rate 0.05%	APY¹ 0.05%

VIP Savings¹

VIP Savings¹
Deposit Amount	Dividend Rate	APY²
¹ $250 max. dep/mo. Dividends earned on portion of balance. ² APY = Annual Percentage Yield. The rates and terms shown are effective as of December 22, 2018.
Deposit Amount $5-2500	Dividend Rate 0.15%	APY² 0.15%
Deposit Amount $2500+	Dividend Rate 0.05%	APY² 0.05%

Regular Money Market¹

Regular Money Market¹
Deposit Amount	Dividend Rate	APY²
¹ $5 Monthly Fee if Below Minimum. ² $1500 Minimum. Dividends earned on entire balance. ³ APY = Annual Percentage Yield. The rates and terms shown are effective as of March 23, 2020.
Deposit Amount Less Than $2500	Dividend Rate 0.05%	APY² 0.05%
Deposit Amount $2,500 and above	Dividend Rate 0.35%	APY² 0.35%

IRA Savings

IRA Savings
Dividend Rate	APY¹
¹ APY = Annual Percentage Yield. Fees may reduce earnings. The rates and terms shown are effective as of December 22, 2018.
Dividend Rate 0.10%	APY¹ 0.10%

HSA (Health Savings Account)

HSA (Health Savings Account)
Deposit Amount	Dividend Rate	APY¹
¹ APY = Annual Percentage Yield. Fees may reduce earnings. The rates and terms shown are effective as of December 22, 2018.
Deposit Amount Less than $500	Dividend Rate 0.00%	APY¹ 0.00%
Deposit Amount $500-999	Dividend Rate 0.00%	APY¹ 0.00%
Deposit Amount $1,000-4,999	Dividend Rate 0.05%	APY¹ 0.05%
Deposit Amount $5,000+	Dividend Rate 0.05%	APY¹ 0.05%

Regular Certificate of Deposit¹

Regular Certificate of Deposit¹
Term	Dividend Rate	APY²	Info³
¹ $500 Minimum Balance. ² APY = Annual Percentage Yield. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. ³ Engaged membership – loan balance, active debit or credit card, ACH activity or 5 deposits/checks in last 60 days on checking account. The rates and terms shown are effective as of March 23, 2020.
Term 6 months	Dividend Rate 0.75%	APY² 0.75%	Info³ approx .50 rate bump w/engaged membership
Term 12 months	Dividend Rate 0.75%	APY² 0.75%	Info³ approx .50 rate bump w/engaged membership
Term 24 months	Dividend Rate 0.75%	APY² 0.75%	Info³ approx .50 rate bump w/engaged membership
Term 60 months	Dividend Rate 0.75%	APY² 0.75%	Info³ approx .50 rate bump w/engaged membership
Term 11 month special	Dividend Rate 1.29%	APY² 1.30%	Info³ approx .50 rate bump w/engaged membership

IRA Certificates¹

IRA Certificates¹
Term	Dividend Rate	APY²	Info³
¹ $5 Monthly fee if the balance is below minimum $1,000. ² APY = Annual Percentage Yield. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. ³ Engaged membership – loan balance, active debit or credit card, ACH activity or 5 deposits/checks in last 60 days on checking account. The rates and terms shown are effective as of March 23, 2020.
Term 12 months	Dividend Rate 0.75%	APY² 0.75%	Info³ approx .50 rate bump w/engaged membership
Term 24 months	Dividend Rate 0.75%	APY² 0.75%	Info³ approx .50 rate bump w/engaged membership
Term 36 months	Dividend Rate 0.75%	APY² 0.75%	Info³ approx .50 rate bump w/engaged membership
Term 60 months	Dividend Rate 0.75%	APY² 0.75%	Info³ approx .50 rate bump w/engaged membership

SmartSaver Certificate of Deposit

SmartSaver Certificate of Deposit
Term	Dividend Rate	APY¹	Info
¹ APY = Annual Percentage Yield. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. $100 minimum deposit, may be added to in $100 increments up to $500/month with a $1000 maximum deposit total. The rates and terms shown are effective as of December 22, 2018.
Term up to 18 years	Dividend Rate 4.89%	APY¹ 5.00%	Info for children 0-18, education required, limit one per child

Visa Credit Card¹

Visa Credit Card¹
Minimum APR²	Maximum APR²
¹ All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions. ² APR = Annual Percentage Rate. The rates and terms shown are effective as of November 26, 2018.
Minimum APR² 7.90%	Maximum APR² 16.90%

Auto (New and Used)¹

Auto (New and Used)¹
Term	APR as low as²
¹ All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions. ² APR = Annual Percentage Rate. Payment example: new auto loan of $12,000 for 60 months at 2.90% APR will have a monthly payment of $215.12. The rates and terms shown are effective as of March 23, 2020.
Term 36 months	APR as low as² 2.90%
Term 48 months	APR as low as² 2.90%
Term 60 months	APR as low as² 2.90%

Motorcycles/Snowmobiles (New and Used)¹

Motorcycles/Snowmobiles (New and Used)¹
Term	APR as low as²
¹ All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions. ² APR = Annual Percentage Rate. Payment example: new motorcycle loan of $10,000 for 60 months at 5.25% APR will have a monthly payment of $189.90. The rates and terms shown are effective as of June 3, 2019.
Term 36 months	APR as low as² 5.25%
Term 48 months	APR as low as² 5.75%
Term 60 months	APR as low as² 6.25%

RVs/Boats (New and Used)¹

RVs/Boats (New and Used)¹
Term	APR as low as²
¹ All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions. ² APR = Annual Percentage Rate. Payment example: new RV/boat loan of $12,000 for 60 months at 4.25% APR will have a monthly payment of $222.39. The rates and terms shown are effective as of June 3, 2019.
Term 36 months	APR as low as² 4.25%
Term 48 months	APR as low as² 4.25%
Term 60 months	APR as low as² 4.25%

Home Loans¹

Home Loans¹
Loan Type	APR
¹ All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions.
Loan Type Mortgage Loan	APR Please contact us for rates
Loan Type Home Equity Loan	APR Please contact us for rates
Loan Type Home Equity Line of Credit	APR Please contact us for rates

Other Loans¹

Other Loans¹
Loan Type	APR as low as²
¹ All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions. ² APR = Annual Percentage Rate. ³ For qualifying borrowers. $25,000 loan maximum. No application fee, no origination fee, no pre-payment penalty. Contact us for more information. ⁴ Payment example: home solar unsecured loan of $25,000 for 120 months at 3.90% APR² will have a monthly payment of $251.98. ⁵ For qualifying borrowers. $10,000 loan maximum. No application fee, no origination fee, no pre-payment penalty. Contact us for more information. ⁶ Payment example: home energy efficiency unsecured loan of $10,000 for 72 months at 7.00% APR² will have a monthly payment of $170.54. The rates and terms shown are effective as of June 3, 2019.
Loan Type Unsecured	APR as low as² 7.75%
Loan Type Personal Line of Credit	APR as low as² 7.90%
Loan Type Payday Alternative Loan	APR as low as² 28.00%
Loan Type Certificate Secured	APR as low as² 3.00% above certificate rate
Loan Type Share Secured	APR as low as² 3.00% above share rate
Loan Type Home Solar Unsecured Loan³	APR as low as² 3.90% (120 months⁴)
Loan Type Home Energy Efficiency Unsecured Loan⁵	APR as low as² 7.00% (72 months⁶)