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

AccountDividend RateAPY
Savings.20%.20%

Business Savings Rates

AccountDividend RateAPY
Business Savings0.20%0.20%

Checking Rates

AccountDividend RateAPY
Interest Earning Checking3.50%3.56%
Rewards Checking.00%.00%
Preferred Checking*.20%.20%
Free Checking.00%.00%

Business Checking Rates

AccountDividend RateAPY
Business Free Checking0.0%0.0%
Business Basic Checking0.20%0.20%

Christmas Club Rates

AccountDividend RateAPY
Christmas Club.20%.20%

Youth Account Rates

AccountDividend RateAPY
Savings Account.20%.20%
Free Checking*.00%.00%
Rewards Checking*.00%.00%
Interest Earning Checking*3.50%3.56%
Preferred Checking**.20%.20%

Certificates Rates

Regular, Business and / or IRA Share Certificate

TermMinimum DepositDividend RateAPY
6 Months$5005.05%5.16%
12 Months$5004.75%4.85%
18 Months$1,0004.15%4.23%
24 Months$1,0003.65%3.71%
36 Months$1,0003.50%3.56%
48 Months$1,0003.55%3.61%
60 Months$1,0003.60%3.66%
Jumbo 6 Months$100,0005.10%5.22%
Jumbo 12 Months$100,0004.80%4.91%
Jumbo 24 Months$100,0003.70%3.76%
Jumbo 6 Months$500,000NegotiableNegotiable
Jumbo 12 Months$500,000NegotiableNegotiable
Jumbo 24 Months$500,000NegotiableNegotiable

IRA Accumulation Share Certificate

TermMinimum DepositDividend RateAPY
12 Month IRA Variable$54.50%4.59%

Member's Advantage Share Certificate

TermMinimum DepositDividend RateAPY
15 Months$1,0004.75%4.85%
54 Months$1,0003.55%3.61%

Money Market Rates

BalanceDividend RateAPY
Under $2,5000.20%0.20%
$2,500 - $9,999.990.70%0.70%
$10,000 - $99,999.991.30%1.31%
$100,000 - $249,999.991.35%1.36%
$250,000 - $499,999.991.35%1.36%
$500,000 - $999,999.991.35%1.36%
$1,000,000 - $2,499,999.991.35%1.36%
$2,500,000 - $4,999,999.991.35%1.36%
$5,000,000 AND OVER4.00%4.07%

Business Money Market Rates

BalanceDividend RateAPY
Under $25000.20%0.20%
$2,500 - $9,999.990.70%0.70%
$10,000 - $99,999.991.30%1.31%
$100,000 - $249,999.991.35%1.36%
$250,000 - $499,999.991.35%1.36%
$500,000 - $999,999.991.35%1.36%
$1,000,000.00 - $2,499,999.991.35%1.36%
$2,500,000.00 - $4,999,999.991.35%1.36%
$5,000,000.00 AND OVER5.40%5.54%

Health Savings Account Rates

BalanceDividend RateAPY
Under $1,000.20%.20%
$1,000 - $2,499.20%.20%
$2,500 - $9,999.70%.70%
$10,000 - $99,999.991.30%1.31%
$100,000 AND OVER1.35%1.36%

Credit Card Rates

CardAPR
Visa Platinum Rewards9.50% - 18.00%
Visa Platinum9.50% - 18.00%
Student Visa9.90%
Visa Secured Platinum15.90%

Auto Loan Rates

New Vehicle

TermMinimum Loan ValueAPR
Up To 60 MonthsNo Minimum6.49% - 17.75%
61 - 75 Months$15,0006.99% - 18.00%
76 - 84 Months$25,0007.85% - 9.50%

Used Vehicle

TermMinimum Loan ValueAPR
Up To 60 MonthsNo Minimum6.99% - 18.00%
61 - 75 Months$15,0007.49% - 18.00%
76 - 84 Months$25,0008.10% - 9.75%

Recreational Loan Rates

NEW

TERMMINIMUM LOAN VALUEAPR
UP TO 60 MONTHSNO MINIMUM7.64% - 18.00%
61 - 84 MONTHS$20,0007.74% - 18.00%
85 - 120 MONTHS$60,0007.84% - 13.55%
121 - 144 MONTHS$75,0007.94% - 13.65%

USED

TERMMINIMUM LOAN VALUEAPR
UP TO 60 MONTHSNO MINIMUM8.14% - 18.00%
61 - 84 MONTHS$20,0008.24% - 18.00%
85 - 120 MONTHS$60,0008.34% - 14.05%
121 - 144 Months$75,0008.44% - 14.15%

Mortgage Rates

ProgramRATEAPRPOINTS
30 Year Fixed7.125%7.141%0.00
15 Year Fixed6.750%6.773%0.00
VA 30 Year Fixed Rate7.000%7.229%0.000
FHA 30 Year Fixed Rate7.000%7.977%0.000
5/5 ARM 30 Year6.375%6.482%0.00
7/1 ARM 30 Year6.625%7.515%0.00
10/1 ARM 30 Year6.875%7.547%0.00
5/1 Vacant Land8.500%9.313%0.00
5/5 ARM First Time Homebuyer6.875%6.746%0.00

Home Equity Loan Rates

TermAPR
36 Months6.375% - 7.375%
60 Months6.875% - 7.875%
84 Months7.375% - 8.375%
120 Months7.875% - 8.875%
180 Months8.375% - 9.375%

Home Equity Line of Credit Rates

LoanAPR
Home Equity Line of Credit8.500% - 10.500% Variable

Personal Loan Rates

LoanAPR
Personal Loan14.10% - 18.00%

Personal Line of Credit Rates

LoanAPR
Personal Line of Credit14.10% - 18.00%