Rates

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.