Rates

Loan Rates

Loan TypeRates1 as Low as
Auto2 Loans 2018 and Newer3.39%
Auto Loans 2017 and Older 4.19%
Motorcycle3, RV3, and Boat3 2018 and Newer4.39%
ATV4 and Jet Ski47.39%
Motorcycle, RV, and Boat 2017 and Older5.19%
HELOC5 (Home Equity Line of Credit)4.50%

Auto Loan Interest Rates Certified by Datatrac
Boat Loan Interest Rates Certified by Datatrac

Personal Loans

Loan TypeRates as Low as
Share Secured63.39%
Lifestyle Loans77.49%
Express Line of Credit87.99%
Credit Rebuilder910.00%

Credit Cards

Card TypeRates as Low as
Mastercard Platinum108.50%

Credit Card Interest Rates Certified by Datatrac

Share Certificate Rates11

TermRateAPY1
60 months0.65%0.65%
48-59 months0.60%0.60%
36-47 months0.55%0.55%
24-35 months0.50%0.50%
12-23 months0.50%0.50%
6-11 months0.25%0.25%
3-5 months0.10%0.10%

Share Certificate Interest Rates Certified by Datatrac

Checking Rates

TypeRateAPY
Premier Checking: $0 – $24,9990.07%0.07%
Premier Checking: $25,000 +0.12%0.12%

Savings Rates

TypeRateAPY
Main Savings0.05%0.05%
Simple Savings0.05%0.05%
Premier Savings – $0 – $24,9990.07%0.07%
Premier Savings – $25,000 +0.12%0.12%
Student Savings (ages 0-17 or older with current Student ID)125.00%5.13%

IRA

TierRateAPY
IRA: $0 – $2,4990.03%0.03%
IRA: $2,500 – $9,9990.07%0.07%
IRA: $10,000 – $24,9990.07%0.07%
IRA: $25,000 +0.12%0.12%
IRA Interest Rates Certified by Datatrac

HSA (Health Savings Account)

TierRateAPY
Up to $2,4990.03%0.03%
$2,500 – $9,9990.07%0.07%
$10,000 to $24,9990.07%0.07%
Greater than $25,0000.12%0.12%

Effective

Rates subject to change at any time

1 Rates are APR = Annual Percentage Rate and APY = Annual Percentage Yield

2 Auto Loans: Minimum loan amount usually $5,000. Minimum loan amount for terms greater than 63 months is $10,000. Minimum loan amount for terms greater than 75 months is $20,000. Terms greater than 75 months only on vehicles 2017 My Rewards Members and $25 discount for Silver My Rewards Members).  Title fees will range from $15 to $32. Car Loan Example: A fixed $10,000 loan for 36 months @ 3.39% APR is a $292.53 payment with no payment protection. Rates and terms subject to credit approval. Subject to $5 membership fee if not already a member.

3 Motorcycle, RV, Boat Loans: Minimum loan amount $5,000. Minimum loan amount for terms greater than 63 months is $10,000. Minimum loan amount for terms greater than 75 months is $20,000. Terms greater than 75 months only on motorcycles, RVs, and boats 2019 and newer. Add 1% to rate if mileage exceeds 50,000 on any model year. Add 2% to model years 2012 and older and maximum term is 48 months. Gold My Rewards members qualify for a monthly rate rebate of 0.50% on qualifying loans. Rates, terms, and conditions subject to change without notice. $95 origination fee ($50 discount for Gold My Rewards Members and $25 discount for Silver My Rewards Members). Title fees range from $15 to $32. Rate applicable to new purchases or external financing only. Loan Payment Example: A fixed $10,000 loan for 60 months @ 4.39% APR is a $185.93 monthly payment with no payment protection.

4 Jet Skis, ATVs: Add 4% to above rates. Gold My Rewards members qualify for a monthly rate rebate of 0.50% on qualifying loans. Rates, terms, and conditions subject to change without notice. $95 origination fee ($50 discount for Gold My Rewards Members and $25 discount for Silver My Rewards Members). Boat Loan Example: A fixed $10,000 loan for 60 months @ 7.39% APR is a $199.86 monthly payment with no payment protection. 

5 HELOC (Home Equity Line of Credit): All loans subject to credit review and approval. Actual rate based on credit history, credit score, loan-to-value, and property type. Minimum credit score to receive best rate is 720. Rate for home not owner occupied or primary residence start at 1% above prime. Rates and terms vary depending on loan-to-value, property type, and credit score. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change monthly. Variable rate loans adjust on the first day of each calendar quarter. HELOC 120 or HELOC Interest Only will not exceed 18% or go below 3.00%. HELOC 10 Year Draw rate will not exceed 18% or go below 4.00%. HELOC 10 Year Draw period 10 years, 15 year amortization – 25 year mortgage. HELOC Interest Only Draw Period 5 years, 15 year amortization – 20 year mortgage. HELOC 120 Draw Period 2 years, renewable up to 4 times, 10 year amortization – 20 year mortgage. Low closing costs of $395-495 – may be waived with current loan promotions. See a loan officer for details. Minimum line of credit available $5,000.

6 Share Secured : Minimum loan amount $300. Terms 1 – 63 months. Requires matching deposit in special savings account. Savings on hold for duration of loan. Personal Loan – Secured Payment Example: A $10,000 loan for 60 months @ 2.40% APR is a $181.43 monthly payment. Subject to $5 membership fee.

7 Unsecured, Signature: Minimum payment is $100 per month, unless specifically stated otherwise for special loan promotions. Loan amount $1,500-$15,000 and terms of 1-48 months. Personal Loans – Unsecured Example: A $5,000 Fixed Signature for 24 months @ 7.49% APR is a $224.98 monthly payment.

8 Express Line of Credit: Loan amount $500-$15,000

9 Credit Builder: For credit grades C, D, and E only, or less than 639 credit score. Member adds 10% of loan amount to held funds. Proceeds on hold for duration of loan

10 Mastercard Credit Cards: Variable rates based on prime

11 Share Certificate of Deposit: A minimum balance of $500 is required on all certificates. Rates subject to change on a daily basis. Early withdrawal of certificates is subject to an interest penalty. Federal regulations prohibit the guarantee of any dividend, since payment of all dividends is based on available earnings. Ask a credit union staff member for further information about the fees and terms applicable to the accounts above. Fees and other conditions could reduce earnings.

12 balances above $1,000 revert to the Regular savings rate