Rates
Rates and other terms are subject to change at any time without prior notice. Click HERE to access the Calculator Tool to create an
estimate of your loan payments based on the Term, APR and Amount you seek to borrow. *Rates as of December 4, 2023.
Auto Rates & *Recreational (2020 and above models)
*Recreational loans – add 2% to the rate; discounts allowed on all scores.
| TERM | APR* |
| 36-60 months | 5.50%-12.75% |
| 61-75 months (>$20k) | 5.99%-13.50% |
| 84 months (>$30k) | 6.99%-8.50% |
Auto Rates & *Recreational (2019-2014)
| TERM | APR* |
| 36 months | 8.25%-16.50% |
| 48 months | 8.75%-17.00% |
| 60 months | 9.25%-17.25% |
| 72 months (>$20k) | 9.75%-17.75% |
Auto Rates & *Recreational 2013 & older
| TERM | APR* |
| 36-72 months | 9.90%-18.00% |
| TERM | APR* |
| 36 months ($500-$5,000) | 9.90%-17.90% |
| 48 months ($5,001-$10,000) | 9.90%-17.90% |
| 60 months ($10,001-$15,000) | 9.90%-17.90% |
| TERM | APR* |
| Ask Loan Officer for Details | 9.90%-17.90% |
| TERM | APR* |
| Share Secured | Fixed Rate – 4.00% |
| Certificate Secured | Adjusted Rate – 2.00% Above Certificate Rate |
| TERM | APR* |
| 12 Years Fixed | 8.50%-11.50% |
| 5 Years Less/5 Year ARM | 8.25%-11.25% |
| Land 12 Years | 8.75%-12.00% |
| Land 15 Years – Over $50K | 9.25%-12.50% |
| Construction Loan | 8.50%-11.00% |
| TERM *Fixed Rates | APR* |
| 5 Years-80% LTV | 8.25%-14.25% |
| 7 Years- 80% LTV | 8.50%-15.00% |
| *Add .5% for 90% LTV |
| TERM *Adjustable Rates | APR* |
| 80% LTV | 8.50%-10.50% |
*APR=Annual Percentage Rate
**Rates may be lower based on individual member product and/or services utilized.
***The prime rate is the highest prime rate published in the “Money Rates Table” of the Wall Street Journal on the last business day of each quarter. Prime is a variable rate; as it changes, the APR on your account will also change. The maximum APR that can apply is 18.00%. The minimum line of credit amount is $10,000, and the minimum loan amount is $10,000 for the first advance and $500 thereafter. Flood and /or property hazard insurance may be required. Other restrictions may apply. The present APR is current as of December 4, 2023.
Checking with Interest, Freedom Checking for Seniors and Scholar Checking. Annual Percentage Yield as of 3/29/2024.
| Share Draft Accounts | Divided Rate | Annual Percentage (APY) |
| $100-$2,499.99 | 0.10% | 0.10% |
| $2,500-$9,999.99 | 0.20% | 0.20% |
| $10,000.00 + | 0.30% | 0.30% |
| No Strings Free Checking, Renew Checking and Educators Account | N/A | N/A |
Personal Savings, Vacation Club, Christmas Club, and Savasaurus Kids’ Savings. Annual Percentage Yield as of 3/29/2024.
| Share Accounts | Divided Rate | Annual Percentage (APY) |
| $100-$2,499.99 | 0.10% | 0.10% |
| $2,500.00-$9,999.99 | 0.25% | 0.25% |
| $10,000.00-$24,999.99 | 0.50% | 0.50% |
| $25,000-$49,999.99 | 1.00% | 1.00% |
| $50,000-$99,999.99 | 1.25% | 1.25% |
| $100,000-$499,999.99 | 1.50% | 1.50% |
| $500,000 + | 2.00% | 2.00% |
| Share Accounts | Divided Rate | Annual Percentage (APY) |
| $100-$2,499.99 | 0.10% | 0.10% |
| $2,500.00-$9,999.99 | 0.25% | 0.25% |
| $10,000-$24,999.99 | 0.50% | 0.50% |
| $25,000-$49,999.99 | 1.00% | 1.00% |
| $50,000-$99.999.99 | 1.25% | 1.25% |
| $100,000-$499,999.99 | 1.50% | 1.50% |
| $500,000 + | 2.00% | 2.00% |
| Share Accounts | Divided Rate | Annual Percentage (APY) |
| $25.00-$2,499.99 | 0.10% | 0.10% |
| $2,500-$9,999.99 | 0.25% | 0.25% |
| $10,000-$24,999.99 | 0.50% | 0.50% |
| $25,000-$49,999.99 | 1.00% | 1.00% |
| $50,000-$99,999.99 | 1.25% | 1.25% |
| $100,000-$499,999.99 | 1.50% | 1.50% |
| $500,000 + | 2.00% | 2.00% |
| Share/IRA Certificates | Divided Rate | Annual Percentage (APY) |
| 12 Month | ||
| $1,000-$99,999.99 | 3.21% | 3.25% |
| $100,000 + | 3.46% | 3.50% |
| 24 Month | ||
| $1,000-$99,999.99 | 2.97% | 3.00% |
| $100,000.00 + | 3.46% | 3.50% |
| 36 Month | ||
| $1,000-$99,999.99 | 2.58% | 2.60% |
| $100,000 + | 2.72% | 2.75% |
| 48 Month | ||
| $1,000-$99,999.99 | 2.58% | 2.60% |
| $100,000 + | 2.72% | 2.75% |
| 60 Month | ||
| $1,000-$99,999.99 | 2.58% | 2.60% |
| $100,000 + | 2.72% | 2.75% |
*Deposit rates may change at any time without notice. Fees could reduce earnings on the account.
*Share and Share Draft dividend rates may change after account is opened.
*Share and IRA Certificate dividend rates are fixed for the term. A penalty is imposed for early withdrawal.
Federally Insured by NCUA.
Annual percentage yield as of 3/29/2024.
Loan Disclosure:
*APR=Annual Percentage Rate
**Rates may be lower based on individual member product and/or services utilized.
***The prime rate is the highest prime rate published in the “Money Rates Table” of the Wall Street Journal on the last business day of each quarter. Prime is a variable rate; as it changes, the APR on your account will also change. The maximum APR that can apply is 18.00%. The minimum line of credit amount is $10,000, and the minimum loan amount is $10,000 for the first advance and $500 thereafter. Flood and /or property hazard insurance may be required. Other restrictions may apply.
Share/IRA Certificate Disclosure:
*Deposit rates may change at any time without notice. Fees could reduce earnings on the account.
*Share and Share Draft dividend rates may change after account is opened.
*Share and IRA Certificate dividend rates are fixed for the term. A penalty is imposed for early withdrawal.
Federally Insured by NCUA.
Annual percentage yield as of 3/29/2024.