Rates

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 November 1, 2020.

Dividend Rate

0.00%

APY1

0.00%
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 December 1, 2022.

Balance

$0-$50,000

Dividend Rate

0.75%

APY2

0.75%

Balance

$50,000-$100,000

Dividend Rate

1.00%

APY2

1.00%

Balance

$100,000+

Dividend Rate

1.25%

APY2

1.26%
Business Checking
Business Checking

Dividend Rate

APY1

1 APY = Annual Percentage Yield.

The rates and terms shown are effective as of December 2, 2020.

Dividend Rate

0.00%

APY1

0.00%
Primary Savings
Primary Savings

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 November 01, 2022.

Deposit Amount

$5-2500

Dividend Rate

0.50%

APY2

0.50%

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 December 1, 2022.

Deposit Amount

$0-$50,000

Dividend Rate

0.75%

APY2

0.75%

Deposit Amount

$50,000-$100,000

Dividend Rate

1.00%

APY2

1.00%

Deposit Amount

$100,000+

Dividend Rate

1.25%

APY2

1.26%
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 2, 2020.

Dividend Rate

0.05%

APY1

0.05%
HSA (Health Savings Account)
HSA (Health Savings Account)

Deposit Amount

Dividend Rate

APY1

1 APY = Annual Percentage Yield.

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

Engaged Member3

Dividend Rate

Engaged Member
APY2

1 $100 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 November 1, 2022.

Term

6 months

Dividend Rate

0.10%

APY2

0.10%

Engaged Member3

Dividend Rate

0.50%

Engaged Member
APY2

0.50%

Term

12 months

Dividend Rate

0.50%

APY2

0.50%

Engaged Member3

Dividend Rate

1.00%

Engaged Member
APY2

1.00%

Term

24 months

Dividend Rate

0.75%

APY2

0.75%

Engaged Member3

Dividend Rate

1.24%

Engaged Member
APY2

1.25%

Term

36 months

Dividend Rate

0.90%

APY2

0.90%

Engaged Member3

Dividend Rate

1.39%

Engaged Member
APY2

1.40%

Term

48 months

Dividend Rate

1.00%

APY2

1.00%

Engaged Member3

Dividend Rate

1.49%

Engaged Member
APY2

1.50%

Term

60 months

Dividend Rate

1.00%

APY2

1.00%

Engaged Member3

Dividend Rate

1.49%

Engaged Member
APY2

1.50%

Term

13 month special

Dividend Rate

2.47%

APY2

2.50%

Engaged Member3

Dividend Rate

2.96%

Engaged Member
APY2

3.00%
IRA Certificates1
IRA Certificates1

Term

Dividend Rate

APY2

Engaged Member3

Dividend Rate

Engaged Member
APY2

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 November 1, 2022.

Term

6 months

Dividend Rate

0.10%

APY2

0.10%

Engaged Member3

Dividend Rate

0.50%

Engaged Member
APY2

0.50%

Term

12 months

Dividend Rate

0.50%

APY2

0.50%

Engaged Member3

Dividend Rate

1.00%

Engaged Member
APY2

1.00%

Term

24 months

Dividend Rate

0.75%

APY2

0.75%

Engaged Member3

Dividend Rate

1.24%

Engaged Member
APY2

1.25%

Term

36 months

Dividend Rate

0.90%

APY2

0.90%

Engaged Member3

Dividend Rate

1.39%

Engaged Member
APY2

1.40%

Term

48 months

Dividend Rate

1.00%

APY2

1.00%

Engaged Member3

Dividend Rate

1.49%

Engaged Member
APY2

1.50%

Term

60 months

Dividend Rate

1.00%

APY2

1.00%

Engaged Member3

Dividend Rate

1.49%

Engaged Member
APY2

1.50%

Term

13 month special

Dividend Rate

2.47%

APY2

2.50%

Engaged Member3

Dividend Rate

2.96%

Engaged Member
APY2

3.00%
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 a $1000 maximum deposit.

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
Youth Certificate of Deposit1
Youth Certificate of Deposit1

Term

Dividend Rate

APY2

Engaged Member3

Dividend Rate

Engage Member

APY2

1 $100 Minimum Balance. May be added to in $100 increments up to $500 per month.
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 November 1, 2022.

Term

6 months

Dividend Rate

0.10%

APY2

0.10%

Engaged Member3

Dividend Rate

0.50%

Engage Member

APY2

0.50%

Term

12 months

Dividend Rate

0.50%

APY2

0.50%

Engaged Member3

Dividend Rate

1.00%

Engage Member

APY2

1.00%

Term

24 months

Dividend Rate

0.75%

APY2

0.75%

Engaged Member3

Dividend Rate

1.24%

Engage Member

APY2

1.25%

Term

36 months

Dividend Rate

0.90%

APY2

0.90%

Engaged Member3

Dividend Rate

1.39%

Engage Member

APY2

1.40%

Term

48 months

Dividend Rate

1.00%

APY2

1.00%

Engaged Member3

Dividend Rate

1.49%

Engage Member

APY2

1.50%

Term

60 months

Dividend Rate

1.00%

APY2

1.00%

Engaged Member3

Dividend Rate

1.49%

Engage Member

APY2

1.50%

Term

13 month special

Dividend Rate

2.47%

APY2

2.50%

Engaged Member3

Dividend Rate

2.96%

Engage Member

APY2

3.00%
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%
Visa Secured Credit Card1
Visa Secured 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 1, 2022.

Minimum APR2

9.90%

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: a new auto loan of $12,000 for 60 months at 6.25% APR will have a monthly payment of $234.

The rates and terms shown are effective as of November 1, 2022.

Term

36 months

APR as low as2

6.25%

Term

48 months

APR as low as2

6.25%

Term

60 months

APR as low as2

6.25%

Term

72 Months

APR as low as2

6.50%

Term

84 months

APR as low as2

7.00%
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 6.75% APR will have a monthly payment of $202.

The rates and terms shown are effective as of November 1, 2022.

Term

36 months

APR as low as2

6.75%

Term

48 months

APR as low as2

7.25%

Term

60 months

APR as low as2

7.75%

Term

72 months

APR as low as2

7.75%
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 7.50% APR will have a monthly payment of $241.

The rates and terms shown are effective as of November 1, 2022.

Term

36 months

APR as low as2

7.50%

Term

48 months

APR as low as2

7.50%

Term

60 months

APR as low as2

7.50%

Term

120 months

APR as low as2

7.50%

Term

180 months

APR as low as2

7.50%
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. $75,000 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 $30,000 for 180 months at 4.90% APR2 will have a monthly payment of $235.
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 8.00% APR2 will have a monthly payment of $176.
7 Maximum loan amount of $3,500.

The rates and terms shown are effective as of November 1, 2022.

Loan Type

Unsecured

APR as low as2

9.25%

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

Credit Builder Loan

APR as low as2

3.05% above savings rate 

Loan Type

Certificate Secured

APR as low as2

3.00% above certificate rate

Loan Type

Share Secured

APR as low as2

3.00% above savings rate

Loan Type

Home Solar Unsecured Loan3

APR as low as2

4.90% (180 months4)

Loan Type

Home Energy Efficiency Unsecured Loan5

APR as low as2

8.00% (72 months6)

Loan Type

Computer Loan

APR as low as2

5.00% (18 months7)

Loan Type

Bicycle Loan

APR as low as2

5.00% (18 months7)