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Rates

Auto Loan Rates

TypeAPR* as low asTerm
* 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.
New/Used3.99%**Up to 60 months – model years 5 and newer
New/Used3.99%**Up to 72 months – model years 5 and newer
New/Used4.25%**Up to 78 months – model years 5 and newer
New/Used5.99%**Up to 84 months minimum loan amount of $25,000 - model years 5 and newer
Used4.99%***Up to 60 months – model years 6 to 10 maximum
Used4.99%***Up to 72 months – model years 6 to 10 maximum
Used5.25%***Up to 78 months – model years 6 to 10 maximum
Used6.99%***Up to 84 months minimum loan amount of $25,000 model years 6 to 10 maximum


Motorcycle Loan Rates

TypeAPR* as low asTerm
* 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.
New/Used3.99%**Up to 60 months – model years 5 and newer
New/Used3.99%**Up to 72 months – model years 5 and newer
New/Used4.25%**Up to 78 months – model years 5 and newer
New/Used5.99%**Up to 84 months minimum loan amount of $25,000 – model years 5 and newer
Used4.99%***Up to 60 months – model years 6 to 10 maximum
Used4.99%***Up to 72 months – model years 6 to 10 maximum
Used5.25%***Up to 78 months – model years 6 to 10 maximum
Used6.99%***Up to 84 months minimum loan amount of $25,000 - model years 6 to 10 maximum


Boat / Personal Watercraft / RV Loan Rates

TypeAPR* as low asTerm
* 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
New/Used3.99%**Up to 60 months – model years 5 and newer
New/Used3.99%**Up to 72 months – model years 5 and newer
New/Used4.25%**Up to 78 months – model years 5 and newer
New/Used5.99%**Up to 84 months minimum loan amount of $25,000 – model years 5 and newer
New/Used5.99%**Up to 120 months minimum loan amount of $25,000 – model years 5 and newer
New/Used6.99%**Up to 180 months minimum loan amount of $50,000 – model years 5 and newer


Personal Loans

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


VISA Rates

TypeAPR* as low asTerm
* APR = Annual Percentage Rate
** Rate base on credit worthiness and subject to change
Last modified: May 24, 2019
VISA Premium Rewardsas low as 9.50%**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 11.50%**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


Mortgage Loans

TypeAPR* as low asTerm
* APR = Annual Percentage Rate ** Rate base on credit worthiness and subject to change
1st Mortgage FixedClick here
1st Mortgage VariableClick here
Equity LoanClick here
Home Equity Line of Credit (HELOC)5.25%
Unimproved PropertyClick here


Other Secured Loans

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


Checking

TypeRateAPY*Term
* APY = Annual Percentage Yield
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


Savings

TypeRateAPY*Term
Last modified: March 1, 2019
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


Certificate Specials

The Minimum Opening Balance is $5,000.00 for all certificates. These certificates may also be opened as IRA certificates.
TermRateAPY*
Last modified: May 24, 2019
15 Month No New Money2.00%2.02%
15 Month With 50% New Money**2.50%2.53%
35 Month No New Money2.50%2.53%
35 Month With 50% New Money**3.00%3.04%
* APY = Annual Percentage Yield
** At least 50% of the funds MUST be New Money


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*
Last modified: May 24, 2019
Tailored Certificate – 3 month0.15%0.15%
Tailored Certificate – 6 month0.20%0.20%
Tailored Certificate – 9 month0.20%0.20%
Tailored Certificate – 12 month1.50%1.51%
Tailored Certificate – 18 month1.50%1.51%
Tailored Certificate – 24 month1.75%1.76%
Tailored Certificate – 30 month1.75%1.76%
Tailored Certificate – 36 month2.00%2.02%
Tailored Certificate – 48 month2.25%2.27%
* APY = Annual Percentage Yield


IRAs

TypeRateAPY*
* APY = Annual Percentage Yield
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.