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Deposit Rates & Lending Rates Discover your best banking and lending solution
Deposit Rates
|
|
Dividend Rate | APY |
|---|---|---|
| Regular Shares: $0.00 ‐ $99.99 | 0.000% | 0.000% |
| Regular Shares: $100 and up | 0.100% | 0.100% |
| Special Purpose Share Accounts: $0.00 ‐ $99.99 | 0.000% | 0.000% |
| Special Purpose Share Accounts: $100 and up | 0.100% | 0.100% |
| Youth Savings: $0.00 ‐ $99.99 | 0.000% | 0.000% |
| Youth Savings: $100 and up | 0.747% | 0.750% |
| Reserve Savings: $0.00 ‐ $99.99 | 0.000% | 0.000% |
| Reserve Savings: $100 ‐ $4,999.99 | 0.050% | 0.050% |
| Reserve Savings: $5,000 and up | 0.100% | 0.100% |
| Holiday Savings: $0.00 ‐ $99.99 | 0.100% | 0.100% |
| Holiday Savings: $100 and up | 0.100% | 0.100% |
| Summer Savings: $0.00 ‐ $99.99 | 0.100% | 0.100% |
| Summer Savings: $100 and up | 0.100% | 0.100% |
APY = Annual Percentage Yield. Requires $10 to establish: $5 minimum deposit and $5 lifetime membership fee.
| Dividend Rate | APY¹ | |
|---|---|---|
| Free "Basic" Checking | 0.00% | 0.00% |
| Right Choice Checking | 0.00% | 0.00% |
| Right Choice Plus Checking: $0.00 – $2,499.99 | 0.00% | 0.00% |
| Right Choice Plus Checking: $2,500 and up | 0.100% | 0.100% |
| Business Checking: $0.00 ‐ $7,499.99 | 0.000% | 0.000% |
| Business Checking: $7,500.00 ‐ $24,999.99 | 0.050% | 0.050% |
| Business Checking: $25,000.00 ‐ $49,999.99 | 0.050% | 0.050% |
| Business Checking: $50,000.00 and up | 0.100% | 0.100% |
APY = Annual Percentage Yield. Requires a minimum $25 deposit to open and you must have a “share”/savings account with the credit, which requires $10 to establish. Total cost to establish both checking and savings is $35.
| Dividend Rate | APY¹ | |
|---|---|---|
| Money Market: $0 - $24,999.99 | 0.000% | 0.000% |
| Money Market: $2,500 - $19,999.99 | 0.200% | 0.200% |
| Money Market: $20,000 and up | 0.300% | 0.300% |
| Premier Money Market: $0 - $49,999.99 | 0.000% | 0.000% |
| Premier Money Market: $50,000 and up | 0.400% | 0.400% |
¹APY = Annual Percentage Yield. Requires an existing share/savings account to open.
| Dividend Rate | APY¹ | |
|---|---|---|
| Share Certificate: 3 Months | 0.100% | 0.100% |
| Share Certificate: 6 Months | 0.349% | 0.350% |
| Share Certificate: 12 Months | 0.499% | 0.500% |
| Share Certificate: 18 Months | 0.549% | 0.550% |
| Share Certificate: 24 Months | 0.648% | 0.650% |
| Share Certificate: 36 Months | 0.747% | 0.750% |
| Share Certificate: 48 Months | 0.847% | 0.850% |
| Share Certificate: 60 Months | 0.995% | 1.000% |
| Right Course Certificate: 12 Months | 0.050% | 0.050% |
| Right Course Certificate: 24 Months | 0.200% | 0.200% |
¹APY = Annual Percentage Yield. Requires an existing share/savings account to open.¹APY = Annual Percentage Yield. Requires an existing share/savings account to open.
|
|
Dividend Rate | APY |
|---|---|---|
|
$0.00 ‐ $99.99
|
0.000% | 0.000% |
| $100.00 ‐ $4,999.99 | 0.050% | 0.050% |
| $5,000.00 ‐ $49,999.99 | 0.150% | 0.150% |
| $50,000.00 and up | 0.300% | 0.300% |
¹APY = Annual Percentage Yield. Requires an existing share/savings account to open.
|
|
Dividend Rate | APY |
|---|---|---|
| 3 Months | 0.100% | 0.100% |
| 6 Months | 0.349% | 0.350% |
| 12 Months | 0.499% | 0.500% |
| 18 Months | 0.549% | 0.550% |
| 24 Months | 0.648% | 0.650% |
| 36 Months | 0.747% | 0.750% |
| 48 Months | 0.847% | 0.850% |
| 60 Months | 0.995% | 1.000% |
¹APY = Annual Percentage Yield. Requires an existing share/savings account to open.
Lending Rates
| Interest Rate | Minimum Limit | Earn Rewards | Concierge Service | Annual Fee | Foreign Transaction Fee | |
|---|---|---|---|---|---|---|
| Visa Signature | Low variable interest rate* | $5,000 | Yes | Yes | $0 | No |
| Visa Platinum Rewards | Low variable interest rate* | $500 | Yes | No | $0 | Yes |
| Visa Platinum Secured | Low variable interest rate* | $500 | No | No | $25 | Yes |
| Business Credit Card | Low variable interest rate* | $5,000 | Yes | No | $0 | Yes |
*This APR will vary with the market based on the Prime Rate; based on your creditworthiness. Read our full fee disclosure here.
**Cardholders are responsible for the cost of any goods or services purchased by the Visa® Signature Concierge on cardholder’s behalf.
| APR¹ | |
|---|---|
| Personal Loan $500 minimum, up to 60 months |
8.50% Fixed |
| Personal Line of Credit | 10.84% Variable |
| Secured Loan 100% of Savings (Share), up to 5 years |
4.15% Fixed |
| Holiday Loan $1,200 - 12 month term |
15.99% |
¹APR= Annual Percentage Rate. APR shown is lowest available rate. Rates determined by creditworthiness criteria.
| Rate | APR¹ | |
|---|---|---|
| Loan or HELOC for up to 90% of home equity | 3.75% Variable |
3.75%¹ Variable |
¹APR = Annual Percentage Rate. Variable rate tied to Wall Street Journal Prime Rate plus a margin. Rate is based on Prime plus .50% and changes when Prime changes. The margin used will depend on your individual creditworthiness. Prime rate is 3.25% as of March 16, 2020. Floor rate 3.50% and maximum rate 18.00%. No closing costs option when you get an initial advance of at least $20,000 at closing. All rates and terms are subject to change without notice. Other restrictions may apply.
* No closing costs option when you receive an initial advance of at least $20,000. If you close your account or pay more than the minimum payment during the first 12 months, we will add any closing costs we paid on your behalf to your outstanding balance.
| Model Year | Loan Term | APR¹ Starting At: |
|---|---|---|
| New | 24 Months | 2.04% |
| Used | 24 Months | 2.64% |
| New | 36 Months | 2.54% |
| Used | 36 Months | 2.84% |
| New | 48 Months | 2.84% |
| Used | 48 Months | 3.34% |
| New | 60 Months | 3.14% |
| Used | 60 Months | 3.54% |
| New | 72 Months 20k min | 3.34% |
| Used | 72 Months 20k min | 3.74% |
| 2019-2020 | 84 Months 50K min LTV 100% | 4.34% |
| 2010-2014 | 48 Months | 8.04% |
¹APR = Annual Percentage Rate. APR shown is lowest available rate. Rates determined by creditworthiness criteria.
| 0–36 Mo. APR¹ | 37–48 Mo. APR¹ | 49–60 Mo. APR | 61–72 Mo. APR¹ | 73–84 Mo. APR¹ | 10 Yrs. APR¹ | 15 Yrs. APR¹ | |
|---|---|---|---|---|---|---|---|
| New Travel Trailer/Camper Up to 100% Financing |
6.10% | 6.34% | 6.59% | 6.84% | 7.09% | 7.59% Min. Loan $25,000 |
8.59% Min. Loan $50,000 |
| Used Travel Trailer/Camper Up to 100% Financing |
6.49% | 6.74% | 6.99% | 7.24% | 7.49% | 7.99% Min. Loan $25,000 |
8.99% Min. Loan $50,000 |
| New Motorhome/RV 90% Financing + 10% down |
6.10% | 6.34% | 6.59% | 6.84% | 7.09% | 7.59% Min. Loan $25,000 |
8.59% Min. Loan $50,000 |
| Used Motorhome/RV 90% Financing + 10% down |
6.49% | 6.74% | 6.99% | 7.24% | 7.49% | 7.99% Min. Loan $25,000 |
8.99% Min. Loan $50,000 |
| Motorcycles 100% Financing |
7.04% | 7.24% | 7.44% | 7.74% Min. Loan $20,000 |
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| Used Motorcycles 100% Financing |
7.69% | 7.89% | 8.19% | 8.39% Min. Loan $20,000 |
|||
| New Jet Skis 100% Financing |
8.70% | 8.94% | 9.34% | ||||
| Used Jet Skis 100% Financing |
9.35% | 9.59% | 9.99% |
¹APR = Annual Percentage Rate. APR shown is lowest available. Rates determined by creditworthiness criteria.
| 36 Mo. APR¹ | 37–48 Mo. APR¹ | 49–60 Mo. APR¹ | 61–72 Mo. APR¹ | 73–84 Mo. APR¹ | 10 Yrs. APR¹ Min. Loan $25,000 |
15 Yrs. APR¹ Min. Loan $50,000 |
|
|---|---|---|---|---|---|---|---|
| New Boat Up to 100% Financing** |
4.49% | 4.49% | 5.24% | 5.24% | 5.74% | 5.99% | 6.99% |
| Used Boat Up to 100% Financing ** |
4.89% | 4.89% | 5.64% | 5.64% | 6.14% | 6.39% | 7.39% |
¹APR = Annual Percentage Rate. APR shown is lowest available. Rates determined by creditworthiness criteria.
**Boats over $50,000 require a 10% down payment and cannot exceed 90% financing.
