All Rates - Savings, Checking, Credit Card, Loans

Rates subject to change at any time without notice.

All savings rates are variable. This means that the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.


Savings and Checking

Term Certificates Rates

Footnote Information »

TERM Min. Deposit Min. Balance APY* Dividend
3 Month $250 $250 0.15% 0.15%
6 Month $250 $250 0.20% 0.20%
1 Year $250 $250 0.30% 0.30%
18 Month Bump-Up $250 $250 0.30% 0.30%
2 Year $250 $250 0.45% 0.45%
3 Year $250 $250 0.80% 0.80%
5 Year $250 $250 1.21% 1.20%
JUMBO
3 Month $100,000 $100,000 0.20% 0.20%
6 Month $100,000 $100,000 0.25% 0.25%
1 Year $100,000 $100,000 0.35% 0.35%

Savings Rates

More Information »

Min. Amount Min.Balance APY* Dividend
Regular Savings $0 $0 0.10% 0.10%
Health Savings Account $0 $0 1.11% 1.10%
Holiday Savings $0 $0 0.50% 0.50%
Educational Savings $0 $0 0.25% 0.25%
IRA Savings $0 $0 0.25% 0.25%

Money Market Rates

More Information »

Min. Deposit: $0 Min. Balance APY* Dividend
$0 0.10% 0.10%
$10,000 0.15% 0.15%
$50,000 0.20% 0.20%
$100,000 0.25% 0.25%

IRA Certificates Rates


1 IRAs include: Traditional, Roth, Educational Savings, Simplified Employee Pension Plan. Minimum deposit of $100 required.

2 Variable IRAs include: Roth and Educational. More Information »

Fixed1 APY* Dividend
1 Year 0.30% 0.30%
18-Month Bump Up 0.30% 0.30%
2 Year 0.45% 0.45%
3 Year 0.80% 0.80%
5 Year 1.21% 1.20%
Variable2
60 Months 0.55% 0.55%

Checking Account Rates

More Information »

Min. Deposit Min. Balance APY* Dividend
$0 $0 0.00% 0.00%


Loans

Visa Rates

1 Variable rate adjusts quarterly and equals Prime Rate for previous month plus 4.00% to 10.00% depending on credit worthiness.

APR Ranges
Variable Rate1 7.25% – 18.00%

Home Loans

Footnote Information »

CONFORMING (under $417,000)2 Rate APR1 Points
Fixed Rates
30 Year 4.250% 4.348% 1
30 Year 4.375% 4.263% 0
20 Year 4.000% 4.161% 1
20 Year 4.125% 4.151% 0
15 Year 3.250% 3.413% 1
15 Year 3.375% 3.392% 0
Adjustable Rates3
10/1 ARM 3.625% 3.674% 0
7/1 ARM 2.875% 2.884% 0
5/1 ARM 2.750% 2.766% 0
3/1 ARM 2.625% 2.640% 0
HIGH BALANCE ($417,001 to $625,500)2 Rate APR1 Points
Fixed Rates
30 Year 4.500% 4.597% 1
30 Year 4.650% 4.636% 0
15 Year 3.625% 3.787% 1
15 Year 3.750% 3.765% 0
Adjustable Rates3
10/1 ARM 3.625% 3.631% 0
7/1 ARM 3.000% 3.010%
5/1 ARM 2.875% 2.892% 0
3/1 ARM 2.750% 2.766% 0
ADDITIONAL PRODUCTS Rate APR1 Points
40/40 5.125% 5.213% 1

Vehicles – Autos

Footnote Information »

New/Used2 Amount Term APR1
up to 48 months 2.24%
min $10K up to 60 months 2.24%
min $15K up to 72 months 2.74%
min $25K up to 84 months 3.24%
Older/Classic3 max $60K up to 48 months 6.54%
max $60K 49-60 months 6.64%

Vehicles – Motorcycles

Footnote Information »

Term APR1
New2 up to 36 months 4.24%
New2 up to 60 months 4.49%
New2 up to 72 months 4.74%
Used3 up to 36 months 4.24%
Used3 up to 60 months 4.49%

Vehicles – Recreational

Footnote Information »

New or Used2 Term APR1
up to 60 Months 4.24%
up to 120 Months 4.74%
up to 180 Months3 5.24%

Vehicles – Bicycle

Footnote Information »

Loan Type Term APR Range1
New or Used Bicycle up to 36 Months 6.99% – 7.99%

Personal Loan Rates

Footnote Information »

SIGNATURE2 Term APR1
Max. $25,000 Min. $500 1 to 12 Months 10.49%
Max. $25,000 Min. $500 13 to 24 Months 10.74%
Max. $25,000 Min. $500 25 to 36 Months 10.99%
Max. $25,000 Min. $500 37 to 48 Months 11.24%
Max. $25,000 Min. $500 49 to 60 Months 11.49%
SECURED
SAVINGS
100% of pledged account(s) up to 60 Months Share rate plus 3.00%
CERTIFICATE
100% of pledged account(s) term of certificate Certificate rate plus 3.00%
SOLAR PANELS
Max. $50,000 Up to 60 Months 6.49% – 8.49%
Max. $50,000 Up to 84 Months 6.49% – 8.49%
Max. $50,000 Min. $25,0003 Up to 120 Months 6.49% – 8.49%
Max. $50,000 Min. $25,0003 Up to 180 Months 7.99% – 9.99%
Max. $50,000 Min. $25,0003 Up to 240 Months 9.49% – 11.49%
K-12 TUITION LOANS
Max. $25,000 Min. $500 Up to 24 Months 6.99% – 12.99%
TAX LOANS
Max. $25,000 Min. $500 Up to 36 Months 6.74% – 12.99%

Feature Rates

Loans

* Annual Percentage Rate as low as shown. Based on credit worthiness.

Auto Loan 2.24% APR*
Motorcycle 4.24% APR*
Visa Platinum 7.25% APR*

Deposits

* Annual Percentage Yield as high as shown.

Tiered Savings 0.25% APY*
1-Yr Certificate 0.30% APY*
IRA (5-Year) 1.21% APY*