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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 | 0.100% | 0.100% |
| Reserve Savings: $0.00 ‐ $99.99 | 0.000% | 0.000% |
| Reserve Savings: $100 and up | 0.100% | 0.100% |
| Holiday Savings: $0.00 ‐ $99.99 | 0.000% | 0.000% |
| Holiday Savings: $100 and up | 0.100% | 0.100% |
| Summer Savings: $0.00 ‐ $99.99 | 0.000% | 0.000% |
| Summer Savings: $100 and up | 0.100% | 0.100% |
APY = Annual Percentage Yield. Requires $5 minimum deposit. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date. The rates for deposit accounts will be provided at the time of membership, at the time of opening a new deposit account, or at any time upon request. Rates may change after account opening.
| 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 union, which requires $5 to establish. Total cost to establish both checking and savings is $30. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date. The rates for deposit accounts will be provided at the time of membership, at the time of opening a new deposit account, or at any time upon request. Rates may change after account opening.
| Money Market | Rate | Yield/APY | |
| $0.00 - $2,499.99 | 0.000% | 0.000% | |
| $2,500 - $24,999.99 | 0.549% | 0.550% | |
| $25,000 - $49,999.99 | 0.598% | 0.600% | |
| $50,000.00 and up | 0.747% | 0.750% | |
| Premier Money Market | |||
| $0.00 -$49,999.99 | 0.000% | 0.000% | |
| $50,000.00 to $249,999.99 | 1.094% | 1.100% | |
| $250,000.00 and up | 1.342% | 1.350% | |
¹APY = Annual Percentage Yield. Requires an existing share/savings account to open. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date. The rates for deposit accounts will be provided at the time of membership, at the time of opening a new deposit account, or at any time upon request. Rates may change after account opening.
Our Share Certificate rates change often. Please download our rate sheet above.
| Rate | Yield | ||
| $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% | |
APY = Annual Percentage Yield. Requires $5 minimum deposit. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date. The rates for deposit accounts will be provided at the time of membership, at the time of opening a new deposit account, or at any time upon request. Rates may change after account opening.
| RATE | YIELD | |
| 3 month | 0.100% | 0.100% |
| 6 month | 1.094% | 1.100% |
| 12 month | 1.687% | 1.700% |
| 18 month | 1.884% | 1.900% |
| 24 month | 2.129% | 2.150% |
| 36 month | 2.374% | 2.400% |
| 48 month | 2.472% | 2.500% |
| 60 month | 2.716% | 2.750% |
¹APY = Annual Percentage Yield. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date. The rates for deposit accounts will be provided at the time of membership, at the time of opening a new deposit account, or at any time upon request. Rates may change after account opening.
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* | $500 | 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 | |
|---|---|
| 24 months | 9.00% |
| 36 months | 9.25% |
| 48 months | 10.25% |
| 60 months | 11.25% |
| 72 months | 12.00% |
¹APR= Annual Percentage Rate. APR shown is lowest available rate. Rates determined by creditworthiness criteria.
| Rate as low as |
APR¹ | |
|---|---|---|
| Loan or HELOC for up to 80% of home equity | 7.50% Variable |
7.50%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 7.50% as of November 4, 2022. Floor rate 3 .25% 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.
| Auto Model Year | Loan Term | APR¹ Starting At: |
|---|---|---|
| New | 0-48 Months | 5.39% |
| Used* | 0-48 Months | 5.89% |
| New | 49-60 Months | 5.59% |
| Used | 49-60 Months | 5.99% |
| New | 61-72 Months 20k min. |
5.79% |
| Used | 61-72 Months 20k min. |
6.19% |
| New (2021-2022) | 73-84 Months 30K min |
6.74% |
| Used (2019-2020) | 73-84 Months 30K min |
6.99% |
| 2012-2015 85% LTV |
0-48 Months | 7.39% |
| 2012-2015 85% LTV |
49-60 Months | 7.89% |
¹APR = Annual Percentage Rate. APR shown is lowest available rate. Rates determined by creditworthiness criteria.
*Used auto rates are for model year 2016-2020. Newer autos with 10,000 miles or greater, will receive the Used Auto interest rate.
| 0-36 Mo. APR¹ | 37-48 Mo. APR¹ | 49-60 Mo. APR | 61-72 Mo. APR¹ | 73–84 Mo. APR¹ | 85-120 Mo. APR¹ | 121-180 Mo. APR¹ | 181-240 Mo. APR¹ | |
|---|---|---|---|---|---|---|---|---|
| New Camper, Travel Trailer, RV, Motorhome 90% financing + 10% down |
6.49% | 6.49% | 6.49% | 6.49% | 6.74% | 6.99% Min. Loan $25,000 |
7.49% Min. Loan $50,000 |
7.74% Min. Loan $75,000 |
| Used Camper, Travel Trailer, RV, Motorhome 90% financing + 10% down |
6.99% | 6.99% | 6.99% | 6.99% | 6.99% | 7.24% Min. Loan $25,000 |
7.74% Min. Loan $50,000 |
7.99% Min. Loan $75,000 |
| New Motorcycles 100% Financing |
5.99% | 6.24% | 6.74% | 7.24% Min. Loan $25,000 |
N/A | N/A | N/A | N/A |
| Used Motorcycles 100% Financing |
6.24% | 6.74% | 6.99% | 7.49% Min. Loan $25,000 |
N/A | N/A | N/A | N/A |
| New ATV, Jet Ski, Golf Cart 100% Financing |
7.00% | 7.00% | 7.50% | N/A | N/A | N/A | N/A | N/A |
| Used ATV, Jet Ski, Golf Cart 100% Financing |
7.25% | 7.25% | 7.75% | N/A | N/A | N/A | N/A | N/A |
¹APR = Annual Percentage Rate. APR shown is lowest available. Rates determined by creditworthiness criteria.
| 0 - 60 Mo. APR¹ | 61 - 72 Mo. APR¹ | 73 - 84 Mo. APR¹ |
85 - 120 Mo. APR¹ Min. Loan $25,000 |
121 - 180 Mo. APR¹ Min. Loan $50,000 |
181 - 240 Mo. APR¹ Min. Loan $75,000 |
|
|---|---|---|---|---|---|---|
| New Boat Up to 100% Financing** |
5.99% | 5.99% | 6.24% | 6.49% | 7.24% | 7.49% |
| Used Boat Up to 100% Financing** |
6.49% | 6.49% | 6.49% | 6.74% | 7.49% | 7.74% |
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.
