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Rates

Auto Loan Rates

TypeAPR* as low asTerm
New/Used2.79%**Up to 48 months – model years 5 and newer
New/Used2.79%**Up to 60 months – model years 5 and newer
New/Used3.49%**Up to 72 months – model years 5 and newer
New/Used3.49%**Up to 78 months – model years 5 and newer
New/Used4.49%**Up to 84 months minimum loan amount of $25,000 - model years 5 and newer
Used3.79%***Up to 48 months – model years 6 to 10 maximum
Used3.79%***Up to 60 months – model years 6 to 10 maximum
Used4.49%***Up to 72 months – model years 6 to 10 maximum
Used4.49%***Up to 78 months – model years 6 to 10 maximum
Used5.49%***Up to 84 months minimum loan amount of $25,000 model years 6 to 10 maximum
* APR = Annual Percentage Rate ** Rate base on credit worthiness and subject to change *** Add 1.0% to qualified rate for vehicles over 100,000 miles.


Motorcycle Loan Rates

TypeAPR* as low asTerm
New/Used2.79%**Up to 48 months – model years 5 and newer
New/Used2.79%**Up to 60 months – model years 5 and newer
New/Used3.49%**Up to 72 months – model years 5 and newer
New/Used3.49%**Up to 78 months – model years 5 and newer
New/Used4.49%**Up to 84 months minimum loan amount of $25,000 – model years 5 and newer
Used3.79%***Up to 48 months – model years 6 to 10 maximum
Used3.79%***Up to 60 months – model years 6 to 10 maximum
Used4.49%***Up to 72 months – model years 6 to 10 maximum
Used4.49%***Up to 78 months – model years 6 to 10 maximum
Used5.49%***Up to 84 months minimum loan amount of $25,000 - model years 6 to 10 maximum
* APR = Annual Percentage Rate ** Rate base on credit worthiness and subject to change *** Add 1.0% to qualified rate for vehicles over 100,000 miles.


Boat / Personal Watercraft / RV Loan Rates

TypeAPR* as low asTerm
New/Used2.79%**Up to 48 months – model years 5 and newer
New/Used2.79%**Up to 60 months – model years 5 and newer
New/Used3.49%**Up to 72 months – model years 5 and newer
New/Used3.49%**Up to 78 months – model years 5 and newer
New/Used4.49%**Up to 84 months minimum loan amount of $25,000 – model years 5 and newer
New/Used4.79%**Up to 120 months minimum loan amount of $25,000 – model years 5 and newer
New/Used5.79%**Up to 180 months minimum loan amount of $50,000 – model years 5 and newer
* APR = Annual Percentage Rate
** Rate base on credit worthiness and subject to change
Model years 6 - 20 add 1%, up to 180 months not eligible
Model years 21+ add 2%, up to 180 month not eligiable


Personal Loans

TypeAPR* as low asTerm
Personal Loan12.9%**Up to 48 months
Line of Credit12.9%**
* APR = Annual Percentage Rate ** Rate base on credit worthiness and subject to change


VISA Rates

TypeAPR* as low asTerm
VISA Premium Rewardsas low as 8.75%**Earns Rewards. Introductory rate of 2.99% for 12 billing cycles. Your APR will vary with the market based on the Prime Rate.
VISA Legacy Rewardsas low as 10.75%**Earns Rewards. For member who do not want Rewards checking. Introductory rate of 2.99% for 12 billing cycles. Your APR will vary with the market based on the Prime Rate.
VISA Platinum10.9%**No fee. Introductory rate of 2.99% for 12 billing cycles
VISA Classic12.9%**No fee. Introductory rate of 2.99% for 12 billing cycles
VISA Plus10.9%**$15 annual fee. Introductory rate of 2.99% for 12 billing cycles
VISA Secured9.9%**No fee. Introductory rate of 2.99% for 12 billing cycles
Credit Cards Rates & Disclosures
* APR = Annual Percentage Rate
** Rate base on credit worthiness and subject to change
Last modified: November 29, 2019


Mortgage Loans

TypeAPR* as low asTerm
1st Mortgage FixedClick here
1st Mortgage VariableClick here
Equity LoanClick here
Home Equity Line of Credit (HELOC)3.25%
Unimproved PropertyClick here
* APR = Annual Percentage Rate ** Rate base on credit worthiness and subject to change


Other Secured Loans

TypeAPR* as low asTerm
Other Secured Loan12.9%**Up to 48 months
* APR = Annual Percentage Rate ** Rate base on credit worthiness and subject to change


Checking

TypeRateAPY*Term
Interest Checking0.03%0.03%Earns Rewards. $3 monthly fee if average daily balance falls below $300
Digital Checking0%Earns Rewards
Free Checking0%
Platinum Plus Money Market0.30%0.30%$100,000 +
0.25%0.25%$50,000 – $99,999
0.20%0.20%$25,000 – $49,999
0.15%0.15%$2,500 – $24,999
0.01%0.01%$0 - $2,499
* APY = Annual Percentage Yield


Savings

TypeRateAPY*Term
Regular Saving0.05%0.05%
Emergency Fund2.00%2.02%$0 - $10,000
0.05%0.05%$10,001 +
Miscellaneous Savings0.05%0.05%
Escrow Savings0.05%0.05%
Christmas Club0.05%0.05%
Vacation Club0.05%0.05%
Waggin’ Cent$ Savings0.05%0.05%
* APY = Annual Percentage Yield
Last modified: March 1, 2019




Certificates

The Minimum Opening Balance and the Minimum Balance to earn dividends is $1000.00 for all certificates. Any term of certificate may be opened as an IRA Certificate.
TermRateAPY*
Tailored Certificate – 3 month0.15%0.15%
Tailored Certificate – 6 month0.20%0.20%
Tailored Certificate – 9 month0.20%0.20%
Tailored Certificate – 12 month0.65%0.65%
Tailored Certificate – 18 month0.85%0.85%
Tailored Certificate – 24 month0.95%0.95%
Tailored Certificate – 30 month0.95%0.95%
Tailored Certificate – 36 month1.00%1.00%
Tailored Certificate – 48 month1.05%1.06%
* APY = Annual Percentage Yield
Last modified: March 16, 2020


IRAs

TypeRateAPY*
IRA Accumulation0.35%0.35%
Roth IRA Savings0.35%0.35%
Education IRA Savings0.35%0.35%
IRA Certificate - IRA certificates are available for the same term and rates as traditional certificates. See certificate rates and terms above.
* APY = Annual Percentage Yield