Rates

Rates and fees subject to change without prior notice. Fees may reduce earnings for accounts where fees apply.

Rates current as of January 24, 2022.

Fees

Our Schedule of Fees and Service Charges shows everything at a glance.

View Fee Schedule

Savings

Type Rate APY Min Balance
Regular Share 0.03% 0.03% $5.00
All Purpose 0.03**% 0.03**% $1.00

*APY = Annual Percentage Yield. Compounds daily.

**Interest earned on $10 or higher

Money Market

Type Rate APY Min Balance
Money Market 0.05% 0.05% $1,000.00
0.03% 0.03% less than $1,000.00
Money Market Plus** 0.10% 0.10% $100,000.00 +
0.07% 0.07% $50,000.00 - $99,999.99
0.05% 0.05% $25,000.00 - $49,999.99
0.05% 0.05% $1,000.00 - $24,999.99
0.03% 0.03% less than $1,000.00

*APY = Annual Percentage Yield. Compounds daily.

**If Money Market Plus criteria isn’t met in any given month, regular Money Market rates will apply for that month. Money Market Plus criteria is: must have active checking account with minimum of 1 direct deposit into the checking account and 10 debit card transactions from the checking account per statement cycle to qualify for higher rates, otherwise standard money market rates apply.

Personal Checking

Type Rate APY Min Balance
First Advantage 0.01% 0.01% None
Jump Start 0.01% 0.01% None

*APY = Annual Percentage Yield. Compounds daily.

Business Checking

Type Rate APY Min Balance
Elite Business 0.01% 0.01% Less than $1,000
0.01% 0.01% $1,000 to $9,999
0.01% 0.01% $10,000 to $24,999
0.02% 0.02% $25,000 to $49,999
0.02% 0.02% $50,000 to $99,999
0.05% 0.05% $100,000 plus

*APY = Annual Percentage Yield. Compounds daily.

Certificates

Type Rate APY Min Balance
3 month 0.15% 0.15% $1,000.00
6 months 0.20% 0.20% $1,000.00
12 months 0.25% 0.25% $500.00
24 months 0.30% 0.30% $500.00
36 months 0.40% 0.40% $500.00
48 months 0.45% 0.45% $500.00
60 months 0.50% 0.50% $500.00

*APY = Annual Percentage Yield. Penalty may be imposed for early withdrawal. Compounds daily.

IRAs

Type Rate APY Min Balance
12 months 0.25% 0.25% $100.00
24 months 0.30% 0.30% $100.00
36 months 0.40% 0.40% $100.00
48 months 0.45% 0.45% $100.00
60 months 0.50% 0.50% $100.00

*APY = Annual Percentage Yield. Penalty may be imposed for early withdrawal. Compounds daily.

Auto Loans

Type APR (as low as) Term (up to) Monthly Payment (per $1,000)

Model Years 2019 – 2021

Loan up to 100% retail NADA

2.74% 66 $16.34
3.49% 75 $14.86
4.24% 84** $13.79

Model Year 2018

2.94% 66 $16.43
3.49% 75** $14.86
4.49% 84** $13.90

Model Year 2017

3.24% 66 $16.57
3.94% 75** $15.07
4.74% 84** $14.02

Model Year 2016

3.74% 66** $16.79
4.14% 75** $15.16

Model Year 2015

4.04% 60 $18.44

Model Year 2014

4.29% 48 $22.71

Model Year 2013 and Older

4.39% 48 $22.76

*Annual Percentage Rate (APR). Rates subject to change without notice. Rate determined by credit report and collateral.

**Term available subject to credit score.

Recreational Vehicle Loans

Type APR (as low as) Term (up to) Monthly Payment (per $1,000)

Titled

4.50% 60 $18.65
5.75% 72 $16.46
7.25% 144 $10.42

No Title

6.50% 60 $19.57
7.75% 72 $17.42
8.75% 144 $11.25

*Annual Percentage Rate (APR). Rates subject to change without notice. Rate determined by credit report and collateral.

Personal Loans

Type APR (as low as) Term (up to) Monthly Payment (per $1,000)
Personal Loans

Max loan amount $20,000

6.99% 24 $44.77
7.24% 36 $30.99
7.74% 48 $24.30
8.24% 60 $20.40
Credit Builder***

Max amount $5,000

7.00% 60 $19.81
Signature Line of Credit

Max amount $10,000

12.90%
Overdraft Protection Line of Credit

Max amount $5,000

14.90%
Share Secured Loans

3% over interest being earned on account held as collateral

*Annual Percentage Rate (APR). Rates subject to change without notice. Rate determined by credit report and collateral.

***Proceeds held in an interest bearing certificate for full term of the loan

Mortgages

Type Rate APR Monthly Payment (per $1,000) Points
Adjustable Rate Mortgages

5 & 1 Fixed Variable

2.750% 2.878% $4.08 0

7 & 1 Fixed Variable

2.875% 2.922% $4.15 0

7 & 3 Fixed Variable

3.000% 3.047% $4.22 0

10 & 5 Fixed Variable

3.250% 3.299% $4.35 0

Convertible

2.500% 2.544% $3.95 0

1 Year Adjustable Rate Mortgage

2.500% 2.544% $3.95 0

3 Year Adjustable Rate Mortgage

2.625% 2.670% $4.02 0

40 Year Mortgage

2.875% 2.912% $3.51 0
Land Loan

1 – 10 Years, 25% Down Payment

2.500% 2.617% $9.43 0
Fixed Rate Mortgages

15 Year

2.750% 2.832% $6.79 0

20 Year

3.000% 3.067% $5.55 0

30 Year

3.125% 3.173% $4.28 0

40 Year

4.000% 4.043% $4.18 0
First Time Home Buyers

30 Year Fixed

3.000% 3.020% $4.22 0

*APR = Annual Percentage Rate

All mortgage annual percentage rates (APR) are for 1-4 unit owner occupied primary residences, based on 20% down payment. APR’s may vary with lesser down payment. All mortgages with a loan to value of 80% and over require Private Mortgage Insurance (PMI). Rates subject to change without any prior notice. Please call for detailed guidelines.

Subject to credit union underwriting approval. Taxes and insurance are not included in the payment examples.

Home Equity

Type Rate APR Monthly Payment (per $1,000)
Home Equity Loans

0 – 5 Years

4.000% 4.068% $18.42

6 – 10 Years

4.375% 4.414% $10.30

11 – 15 Years

4.750% 4.780% $7.78
Endless Equity Line of Credit

New Equity Member

Fixed for the first 24 months then prime for life

3.000% Minimum APR is 3.250% and maximum is 15.000%

Refinanced

Fixed for the first 24 months then prime for life

3.5000% Minimum APR is 3.500% and maximum is 15.000%
Max Equity Loan

5 Year

5.500% 5.95% $19.10

10 Year

5.750% 5.803% $10.98

15 Year

6.750% 6.795% $8.85
Max Equity Line of Credit

Fixed for the first 24 months then prime + 1.750%

5.000% Minimum APR is 5.000% and maximum is 15.000%

*APR = Annual Percentage Rate

All Home Equity and Home Equity Line of Credit annual percentage rates (APR) are based on the prime lending rate published in the Wall Street Journal, currently at 3.250% as of 3/18/2020. Rates apply to 1-4 unit owner occupied primary residences. Rates subject to change without notice. Please call for detailed underwriting guidelines. Early termination fee applies.

Home Equity Line of Credit subject to minimum monthly payment of $50.00.

Subject to credit union underwriting approval. Taxes and insurance are not included in the payment examples.