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Rates effective as of January 1st, 2020. Call (800) 822-6875 for current rates.

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates may change after accounts are opened. Fees may reduce earnings.


Share Savings Learn More

Min. Daily Avg. Balance Interest Rate APY
Less than $100.00 0.00% 0.00%
$100.01 or more 0.05% 0.05%

$5 minimum balance required for membership.  Dividends are calculated based on the average daily balance.  Dividend rates are variable, declared, compounded and paid monthly.  APY=Annual Percentage Yield

Free Checking Learn More

Min. Daily Avg. Balance Interest Rate APY
$0.00 0.00% 0.00%

No minimum balance required.   Dividends are calculated based on the average daily balance.  Dividend rates are variable, declared, compounded and paid monthly.  APY=Annual Percentage Yield

Holiday & Vacation Club Learn More

Min. Daily Avg. Balance Interest Rate APY
$5.00 or more 0.05% 0.05%

$5 minimum balance.  Holiday club withdrawals may be subject to and early withdrawal fee.  Please see fee disclosures.  Dividends are calculated based on the average daily balance. Dividend rates are variable, declared, compounded and paid monthly.  APY=Annual Percentage Yield

Individual Retirement Accounts Learn More

Min. Daily Avg. Balance Interest Rate APY
$0.00 0.25% 0.25%

Regular deposits allowed.  Rollovers and transfers accepted.  WIthdrawals may be subject to IRS penalties.  Consult your tax advisor.  Dividends are calculated based on the average daily balance.  Dividend rates are variable, declared, compounded and paid monthly.  APY=Annual Percentage Yield. 

High Yield Money Market Learn More

Daily Avg. Balance/Min. Deposit Interest Rate APY
$1.00 - $2,499.99 0.00% 0.00%
$2,500.00 - $74,999.99 0.40% 0.40%
$75,000.00 - $174,999.99 0.60% 0.60%
$175,000.00 or more 0.80% 0.80%

Withdrawals are limited to 6 per month.  Excess withdrawal fees may apply.  See fee disclosure.  Dividends are calculated based on the average daily balance.  Dividend rates are variable, declared, compounded and paid monthly.  APY=Annual Percentage Yield. 

Regular & IRA Certificates Learn More

Term Daily Avg. Balance/Min. Deposit Interest Rate APY
6 months $500.00 1.60% 1.61%
12 months $500.00 1.90% 1.92%
24 months $500.00 2.05% 2.07%
36 months $500.00 2.15% 2.17%
48 months $500.00 2.35% 2.38%
60 months $500.00 2.55% 2.58%

Certificate penalties may apply for early withdrawals.  Ask for details.  IRA rollovers and transfers accepted.  IRA withdrawals may be subject to IRS penalties in addition to certificate penalties.  Consult your tax advisor.  Dividends are calculated based on the average daily balance.  Dividend rates are fixed for the term of the certificate, declared, compounded and paid monthly.  APY=Annual Percentage Yield. 

Bonus Certificate Learn More

Term Daily Avg. Balance/Min. Deposit Interest Rate APY
24 months $50,000.00 2.15% 2.17%
36 months $50,000.00 2.25% 2.28%
48 months $50,000.00 2.45% 2.48%
60 months $50,000.00 2.65% 2.69%

Bonus certificates may be regular or IRA certificates. 

Certificate penalties may apply for early withdrawals.  Ask for details.  IRA rollovers and transfers accepted.  IRA withdrawals may be subject to IRS penalties in addition to certificate penalties.  Consult your tax advisor.  Dividends are calculated based on the average daily balance.  Dividend rates are fixed for the term of the certificate, declared, compounded and paid monthly.  APY=Annual Percentage Yield. 

 

 

Auto Loans Learn More

Term APR w/ Auto Pay Discount
up to 36 months as low as 1.99% as low as 1.89%
37 - 48 months as low as 3.24% as low as 3.14%
49 - 60 months as low as 3.49% as low as 3.39%
61 - 72 months as low as 3.74% as low as 3.64%
73 - 84 months as low as 4.49% as low as 4.39%

Same rate NEW or USED

APR = Annual Percentage Rate. Rates are based on applicant's credit worthiness.  Your actual rate may vary. Payment Example:  3.39% APR, $20,000 Loan Amount, 60 month term =$362.85 per month

Motorcycle Loans Learn More

Term APR w/ Auto Pay Discount
48 months or less as low as 3.99% as low as 3.89%
49 - 60 months as low as 4.99% as low as 4.89%

APR = Annual Percentage Rate. Rates are based on applicant's credit worthiness.  Your actual rate may vary. Payment Example:  4.89% APR, $10,000 Loan Amount, 60 month term =$188.21 per month

Personal Loans Learn More

Term APR w/ Auto Pay Discount
12 months or less as low as 6.49% as low as 6.39%
13 - 24 months as low as 7.49% as low as 7.39%
25 - 36 months as low as 8.49% as low as 8.39%
37 - 48 months as low as 9.49% as low as 9.39%
49 - 60 months as low as 10.49% as low as 10.39%
61 - 72 months as low as 11.49% as low as 11.39%

APR = Annual Percentage Rate. Rates are based on applicant's credit worthiness.  Your actual rate may vary. Payment Example:  8.39% APR, $5,000 Loan Amount, 36 month term =$157.58 per month

Boat & RV Loans Learn More

Term APR w/ Auto Pay Discount
48 months or less 5.50% 5.40%
49 - 60 months 6.00% 5.90%
61 - 120 months 8.25% 8.15%

APR = Annual Percentage Rate. Rates are based on applicant's credit worthiness.  Your actual rate may vary. Payment Example:  5.90% APR, $10,000 Loan Amount, 60 month term =$192.86 per month

Visa - Variable Learn More

  Credit Limit APR  
Preferred Rate up to $20,000 as low as WSJ Prime^ + 3.49%  8.24%
Rewards up to $20,000 as low as WSJ Prime^ + 5.49% 10.24%
Cash Back up to $20,000 as low as WSJ Prime^ + 7.49% 12.24%

^WSJ Prime is the Wall Street Journal Prime interest rate rounded to the nearest 1/4%.  WSJ Prime as of 01/01/2020 is 4.75%  Rates are based on applicants credit worthiness.  Your actual rate may vary. Minimum payment is the greater of $25 or 2.5% of the balance ($25 per $1,000 borrowed).  Please see Visa disclosure for other terms and fees.

2nd Lien Fixed Rate Home Equity Loans

Home Equity Loan - Fixed 5 year 10 year 15 year
up to 70% Loan to Value as low as 3.000% as low as 3.500% as low as 4.000%
70.01% - 75% Loan to Value as low as 3.250% as low as 3.750% as low as 4.250%
75.01% - 80% Loan to Value as low as 3.750% as low as 4.250% as low as 4.750%
80.01% - 85% Loan to Value as low as 4.750% as low as 5.250% as low as 5.750%
85.01% - 90% Loan to Value as low as 5.000% as low as 5.500% as low as 6.000%

APR = Annual Percentage Rate. Rates are based on combined LTV ratio and loan term.  Your actual rate may vary. Payment Example:  4.00% APR, $30,000 Loan Amount, 180 month term =$221.91 per month  Homeowners insurance is required.

1st Lien Fixed Rate Home Equity Loans (no 1st mortgage)

Home Equity Loan - Fixed 5 year 10 year 15 year
up to 70% Loan to Value as low as 3.000% as low as 3.500% as low as 4.000%
70.01% - 75% Loan to Value as low as 3.250% as low as 3.625% as low as 4.250%
75.01% - 80% Loan to Value as low as 3.500% as low as 3.750% as low as 4.375%
80.01% - 85% Loan to Value as low as 3.750% as low as 4.250% as low as 4.625%
85.01% - 90% Loan to Value as low as 4.000% as low as 4.500% as low as 4.750%

APR = Annual Percentage Rate. Rates are based on LTV ratio and loan term.  Your actual rate may vary. Payment Example:  4.00% APR, $30,000 Loan Amount, 180 month term =$221.91 per month.  Homeowners insurance is required.

Home Equity Line of Credit Learn More

Combined Loan to Value Term APR  
up to 80% 5 yr draw period and 
15 yr repayment
WSJ Prime1 - 0.50%* 
WSJ Prime1 + 0.50%
Member pays closing
CU pays closing
80.01% - 85% 5 yr draw period and 
15 yr repayment
WSJ Prime1 + 0.5%*
WSJ Prime1 + 1.50%
Member pays closing
CU pays closing
85.01% - 90% 5 yr draw period and
15 yr repayment
WSJ Prime1 + 1.00%*
WSJ Prime1 + 2.00%
Member pays closing
CU pays closing> 

Member paid closing costs may be deducted from loan proceeds.

1 Interest Rate is variable equal to the Wall Street Journal Prime rate (index) plus the applicable margin rounded to the nearest 1/4%, adjusted monthly. WSJ Prime Rate as of 01/01/2020 is 4.75%. The maximum rate is 18%.

Homeowners insurance is required.

Other Rates

Loan Type Details
CU Cash & Overdraft Line of Credit as low as WSJ Prime plus 5% (currently 9.75%) adjusted monthly
Share Secured Fixed Rate: 3% above dividend rate (Up to amount in secured account)

CU Cash minimum payment is the greater of $25 or 3% of the outstanding balance ($30 per $1,000 borrowed).  Rates are based on applicant's credit worthiness.  Your actual rate may vary. WSJ Prime as of 01/01/2020 is 4.75%