Current Rates & Terms

As a local, member-owned credit union, we share our profits with our members in the form of great interest rates on loans and deposits.

Savings Account Rates

AccountAPYDividend
Savings.20%.20%

Checking Account Rates

AccountAPYDividend Rate
Legacy Checking.00%.00%
Preferred Checking.20%.20%

Christmas Club Rates

AccountAPYDividend Rate
Christmas Club.20%.20%

Youth Account Rates

ACCOUNTAPYDIVIDEND RATE
Savings Account.20%.20%
Legacy Checking.00%.00%
Preferred Checking.20%.20%

Certificates Rates

Regular and/or IRA Share Certificate

TermMinimum DepositAPY
6 Months$5004.33%
12 Months$5004.39%
18 Months$1,0004.44%
24 Months$1,0003.45%
36 Months$1,0003.30%
48 Months$1,0003.35%
60 Months$1,0003.40%
Jumbo 6 Months$100,0004.44%
Jumbo 12 Months$100,0004.49%
Jumbo 24 Months$100,0003.56%
Jumbo 6 Months$500,000Negotiable
Jumbo 12 Months$500,000Negotiable
Jumbo 24 Months$500,000Negotiable

IRA Accumulation Share Certificate

TermMinimum DepositAPY
12 Month IRA Variable$54.23%

Member's Advantage Share Certificate

TermMinimum DepositAPY
15 Months$1,0004.39%
54 Months$1,0003.35%

Money Market Rates

BalanceAPYDividend Rate
Under $2,5000.20%0.20%
$2,500 - $9,999.990.55%0.55%
$10,000 - $99,999.990.80%0.80%
$100,000 - $249,999.990.80%0.80%
$250,000 - $499,999.990.80%0.80%
$500,000 - $999,999.990.85%0.85%
$1,000,000 - $2,499,999.990.90%0.90%
$2,500,000 - $4,999,999.990.90%0.90%
$5,000,000 AND OVER3.82%3.75%

Health Savings Account Rates

BalanceAPYDividend Rate
Under $1,000.20%.20%
$1,000 - $2,499.20%.20%
$2,500 - $9,999.55%.55%
$10,000 - $99,999.99.80%.80%
$100,000 - 249,999.99.80%.80%

Credit Card Rates

CardAPR
VISA® Platinum Rewards9.50% - 18.00%
VISA® Platinum9.50% - 18.00%
Student VISA®9.90%
VISA® Secured Platinum15.90%

Auto Loan Rates

New Vehicle

TermMinimum Loan ValueAPR
Up To 60 MonthsNo Minimum5.34% - 16.99%
61 - 75 Months$15,0005.84% - 17.49%
76 - 84 Months$25,0006.70% - 8.35%

Used Vehicle

TermMinimum Loan ValueAPR
Up To 60 MonthsNo Minimum5.84% - 18.00%
61 - 75 Months$15,0006.34% - 18.00%
76 - 84 Months$25,0006.95% - 8.60%

Recreational Loan Rates

NEW

TERMMINIMUM LOAN VALUEAPR
UP TO 60 MONTHSNO MINIMUM5.99% - 17.75%
61 - 84 MONTHS$20,0006.09% - 17.85%
85 - 120 MONTHS$60,0006.19% - 11.90%
121 - 144 MONTHS$75,0006.29% - 12.00%

USED

TERMMINIMUM LOAN VALUEAPR
UP TO 60 MONTHSNO MINIMUM6.49% - 18.00%
61 - 84 MONTHS$20,0006.59% - 18.00%
85 - 120 MONTHS$60,0006.69% - 12.40%
121 - 144 Months$75,0006.79% - 12.50%

Mortgage Rates

ProgramRATEAPRPOINTS
30 Year Fixed5.875%5.937%0.00
20 Year Fixed5.625%5.707%0.00
15 Year Fixed5.375%5.574%0.00
VA 30 Year Fixed Rate6.625%6.837%0.000
FHA 30 Year Fixed Rate6.625%7.672%0.000
5/5 ARM 30 Year5.125%5.326%0.00
7/1 ARM 30 Year5.375%6.688%0.00
10/1 ARM 30 Year5.625%6.614%0.00
5/1 Vacant Land7.750%8.667%0.00
5/5 ARM First Time Homebuyer5.875%6.201%0.00

Home Equity Loan Rates

TermAPR
36 Months5.750% - 6.750%
60 Months6.250% - 7.250%
84 Months6.750% - 7.750%
120 Months7.250% - 8.250%

Home Equity Line of Credit Rates

LoanAPR
Home Equity Line of Credit7.500% - 9.500% Variable

Personal Loan Rates

LoanAPR
Personal Loan13.10% - 18.00%

Personal Line of Credit Rates

LoanAPR
Personal Line of Credit13.10% - 18.00%

Business Savings Rates

AccountAPYDividend
Business Savings0.20%0.20%

Business Checking Rates

AccountAPYDividend
Business Free Checking0.0%0.0%
Business Basic Checking0.20%0.20%

Business Certificates Rates

Regular Share Certificate

TermMinimum DepositAPY
12 Months$5,0004.39%
24 Months$5,0003.45%
60 Months$5,0003.40%
Jumbo 12 Months$100,0004.54%
Jumbo 24 Months$100,0003.61%
Jumbo 60 Months$100,0003.56%

Business Money Market Rates

BalanceAPYDividend Rate
Under $25000.20%0.20%
$2,500 - $9,999.990.55%0.55%
$10,000 - $99,999.990.80%0.80%
$100,000 - $249,999.990.80%0.80%
$250,000 - $499,999.990.80%0.80%
$500,000 - $999,999.990.85%0.85%
$1,000,000.00 - $2,499,999.990.90%0.90%
$2,500,000.00 - $4,999,999.990.90%0.90%
$5,000,000.00 AND OVER4.23%4.15%