Rates
Personal and Home Loans
| Rate Type | APR* |
|---|---|
| VISA® Credit Cards | As low as |
| Personal Loans | As low as |
| Vacation Loans | As low as |
| Share Secured | As low as |
| Home Equity | As low as |
Auto Loans
| Rate Type | Term | APR* |
|---|---|---|
| New/untitled (2023/2024) | 36 mo | As low as |
| 48 mo | As low as | |
| 60 mo | As low as | |
| 72 mo | As low as | |
| 84 mo | As low as | |
| Pre-owned (2020 to 2023) | 36 mo | As low as |
| 48 mo | As low as | |
| 60 mo | As low as | |
| 72 mo | As low as | |
| 84 mo | As low as | |
| Used (2015 to 2019) | 36 mo | As low as |
| 48 mo | As low as | |
| 60 mo | As low as | |
| 72 mo | n/a | |
| 84 mo | n/a |
| Rate Type | Minimum Balance to Earn Stated APY** | APY** |
|---|---|---|
| Protection Plus | $1000.00 | |
| Carefree Checking (Legacy Rewards Checking) | $100.00 to $2,499.99 | 0.10% |
| $2,500.00 to $9,999.99 | 0.15% | |
| $10,000.00 to $24,999.99 | 0.25% | |
| $25,000.00 and Greater | 0.45% | |
| Member's Choice Checking | $2,500.00 to $9,999.99 | 0.10% |
| Member's Choice Checking | $10,000.00 and up | 0.15% |
*Effective 10/01/2022
Savings
| Rate Type | Minimum Balance to Earn Stated APY** | APY** |
|---|---|---|
| Primary Share | $100.00 | |
| IRA Regular Share | $100.00 - $9,999.99 | |
| IRA Regular Share | $10,000.00 and up | 4.00% |
Goal Savers Certificates and IRA Certificates
Certificate Specials
| Rate Type | Term | APY** |
|---|---|---|
| Goal Savers Certificates and IRA Certificates | 6 Month | 4.55% |
| Goal Savers Certificates and IRA Certificates | 9 Month | 4.60% |
| Jumbo Rates (Including IRA) | .10% higher over Regular Special Rates |
*Effective 12/14/2023
Limited time offer. Rates are subject to change.
Certificates
| Rate Type | Term | APY** |
|---|---|---|
| Certificate | 6 mo | |
| 12 mo | ||
| 18 mo | ||
| 24 mo | ||
| 30 mo | ||
| 36 mo | ||
| 48 mo | ||
| 60 mo | ||
| Jumbo Certificate $50,000+ |
6 mo | |
| 12 mo | ||
| 18 mo | ||
| 24 mo | ||
| 30 mo | ||
| 36 mo | ||
| 48 mo | ||
| 60 mo | ||
| IRA Certificate | 6 mo | |
| 12 mo | ||
| 18 mo | ||
| 24 mo | ||
| 30 mo | ||
| 36 mo | ||
| 48 mo | ||
| 60 mo | ||
| IRA Jumbo Certificate $50,000+ |
6 mo | |
| 12 mo | ||
| 18 mo | ||
| 24 mo | ||
| 30 mo | ||
| 36 mo | ||
| 48 mo | ||
| 60 mo |
Club Accounts
| Rate Type | APY** |
|---|---|
| Summer Pay Club | |
| Christmas Club | |
| Summer Vacation Club | |
| Winter Vacation Club |
Money Market
| Rate Type | APY** |
|---|---|
| Money Market - $1,000.00 - $24,999.00 | |
| Money Market - $25,000.00 - $49,999.00 | |
| Money Market - $50,000.00+ | |
| IRA Money Fund ** - $25,000.00 - $49,999.00 |
*APR = Annual Percentage Rate. Rates will vary based on credit worthiness and other factors depending on loan type.
**APY = Annual Percentage Yield. Fees may reduce earning on the account.