Rates and fees subject to change without prior notice. Fees may reduce earnings for accounts where fees apply. Rates current as of May 18, 2025.
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Fees
Our Schedule of Fees and Service Charges shows everything at a glance.
Savings Rates
| Type | Dividend Rate | APY2 | Min Balance7 |
|---|---|---|---|
| Primary Share | .05% | .05% | $5.00 |
| All Purpose Club20 | .05% | .05% | $10.00 |
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply. Annual Percentage Yield accurate as of May 5, 2025.
Money Market Rates
| Type | Dividend Rate | APY2 | Min Balance7 |
|---|---|---|---|
| Money Market | .15% | .15% | $1,000.00 |
| .10% | .10% | $5.00 - $999.99 | |
| Money Market Plus28 | 3.00% | 3.05% | $100,000.00 |
| 2.00% | 2.02% | $50,000.00 - $99,999.99 | |
| 1.50% | 1.51% | $25,000.00 - $49,999.99 | |
| 1.00% | 1.00% | $1,000.00 - $24,999.99 | |
| .75% | .75% | $0.00 - $999.99 |
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply. Annual Percentage Yield accurate as of May 5, 2025.
Personal Checking Rates
| Type | Dividend Rate | APY2 | Min Balance7 |
|---|---|---|---|
First Advantage Checking21
| .01% |
.01% |
$0.00 |
|
| Jump Start Checking21 | .01% | .01% | $0.00 |
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply. Annual Percentage Yield accurate as of May 5, 2025.
Business Checking Rates
| Type | Dividend Rate | APY2 | Min Balance7 |
|---|---|---|---|
| Elite Business | .05% | .05% | $100,000.00 |
| .02% | .02% | $50,000 to $99,999.99 | |
| .02% | .02% | $25,000 to $49,999.99 | |
| .01% | .01% | $10,000 to $24,999.99 | |
| .01% | .01% | $1,000 to $9,999.99 | |
| .01% | .01% | $0.00 to $999.99 |
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply. Annual Percentage Yield accurate as of May 5, 2025.
Certificate Rates
| Type | Dividend Rate | APY2,8 | Min Balance |
|---|---|---|---|
| 3 Month | .75% | .76% | $1,000 |
| 6 Month | 4.16% | 4.25% | $1,000 |
| 12 Month | 3.00% | 3.05% | $500 |
| 24 Month | 1.50% | 1.51% | $500 |
| 36 Month | 1.50% | 1.51% | $500 |
| 48 Month | 1.50% | 1.51% | $500 |
| 60 Month | 1.50% | 1.51% | $500 |
All rates subject to change without prior notice. Fees may reduce earnings. Annual Percentage Yield accurate as of May 5, 2025.
IRA Certificate Rates
| Type | Dividend Rate | APY2,8 | Min Balance7 |
|---|---|---|---|
| 6 Month | 4.16% | 4.25% | $100 |
| 12 Month | 3.00% | 3.05% | $100 |
| 24 Month | 1.50% | 1.51% | $100 |
| 36 Month | 1.50% | 1.51% | $100 |
| 48 Month | 1.50% | 1.51% | $100 |
| 60 Month | 1.50% | 1.51% | $100 |
All rates subject to change without prior notice. Fees may reduce earnings. Annual Percentage Yield accurate as of May 5, 2025.
Auto Loan Rates
| Type | APR1 | EMP3 (per $1,000) | Finance Charge |
|---|---|---|---|
| Model Year 2022-25 | |||
| 66 Month | 5.49% | $17.59 | $160.77 |
| 75 Month | 6.24% | $16.14 | $210.10 |
| 84 Month16 | 6.99% | $15.09 | $267.35 |
| Model Year 2021 | |||
| 66 Month | 5.74% | $17.71 | $168.37 |
| 75 Month | 6.24% | $16.14 | $210.10 |
| 84 Month16 | 6.99% | $15.09 | $267.35 |
| Model Year 2020 | |||
| 66 Month | 5.99% | $17.83 | $176.05 |
| 75 Month16 | 6.69% | $16.36 | $226.14 |
| Model Year 2019 | |||
| 66 Month | 6.49% | $18.06 | $191.61 |
| 75 Month16 | 6.89% | $16.45 | $233.43 |
| Model Year 2018 | |||
| 60 Month16 | 6.79% | $19.71 | $181.93 |
| Model Year 2017 or older | |||
| 48 Month | 7.54% | $24.20 | $161.32 |
Rates subject to change without notice. Rate determined by credit report and collateral. Annual Percentage Rate accurate as of May 5, 2025.
Recreational Vehicle Loan Rates
| Type | APR1 | EMP3 (per $1,000) | Finance Charge |
|---|---|---|---|
| Titled | |||
| 60 Month | 8.24% | $20.40 | $223.66 |
| 72 Month | 9.49% | $18.28 | $315.72 |
| 144 Month | 10.99% | $12.54 | $804.40 |
| No Title | |||
| 60 Month | 10.24% | $21.38 | $282.06 |
| 72 Month | 11.49% | $19.30 | $388.82 |
| 144 Month | 12.49% | $13.44 | $935.24 |
Rates subject to change without notice. Rate determined by credit report and collateral. Annual Percentage Rate accurate as of May 5, 2025.
Personal Loan Rates
| Type | APR1 | EMP3 (per $1,000) | Finance Charge |
|---|---|---|---|
| Personal Loans | |||
| 24 Month | 11.74% | $46.94 | $126.31 |
| 36 Month | 11.99% | $33.20 | $194.96 |
| 48 Month | 12.49% | $26.57 | $275.06 |
| 60 Month | 12.99% | $22.74 | $364.32 |
| Credit Builder17 | |||
| 60 Month | 7.00% | $19.81 | $188.27 |
| Signature Line of Credit18 | 12.90% | ||
| Overdraft Revolving Credit19 | 14.90% | ||
| Share Secured Loans22 |
Rates subject to change without notice. Rate determined by credit report and collateral. Annual Percentage Rate accurate as of May 5, 2025.
Mortgage Rates
| Type | Rate | APR1,4 | EMP3 (per $1,000) |
|---|---|---|---|
| Adjustable Rate Mortgages12 | |||
| 5&1 Fixed Variable12 | 5.875% | 5.978% | $5.92 |
| 7&1 Fixed Variable12 | 6.000% | 6.104% | $6.00 |
| 7&3 Fixed Variable12 | 6.125% | 6.230% | $6.08 |
| 10&5 Fixed Variable12 | 6.250% | 6.357% | $6.16 |
| Convertible 1 Yr Adjustable12 | 5.375% | 5.473% | $5.60 |
| 1 Year Adjustable12 | 5.375% | 5.473% | $5.60 |
| 3 Year Adjustable12 | 5.625% | 5.725% | $5.76 |
| 7&1 Variable 40 Year12 | 6.250% | 6.341% | $5.68 |
| Land Loan11,12 | 5.375% | 5.598% | $10.79 |
| Fixed Rate Mortgages | |||
| 15 Year | 6.000% | 6.174% | $8.44 |
| 20 Year | 6.500% | 6.644% | $7.46 |
| 30 Year | 6.875% | 6.988% | $6.57 |
| 40 Year | 7.125% | 7.226% | $6.31 |
| First Time Homebuyers | 6.750% | 6.822% | $6.49 |
Annual Percentage Rate accurate as of May 15, 2025.
Home Equity Rates
| Type | Rate | APR1,5 | EMP3 (per $1,000) |
|---|---|---|---|
| Home Equity Loans | |||
| 0-5 Years | 6.500% | 6.613% | $19.57 |
| 6-10 Years | 6.875% | 6.940% | $11.55 |
| 11-15 Years | 7.125% | 7.197% | $9.06 |
| Max Equity Loans | |||
| 5 Year | 7.875% | 8.014% | $20.22 |
| 10 Year | 8.125% | 8.203% | $12.20 |
| 15 Year | 8.500% | 8.560% | $9.85 |
| Home Equity Line of Credit13 | |||
| New Equity Member14 | 7.000% | ||
| Refinanced | 7.500% | ||
| Max Equity Line of Credit15 | 8.750% |
Annual Percentage Rate accurate as of April 28, 2025.