All Rates

SAVINGS & CHECKING RATES
Effective Date: 12/1/2024
APY=Annual Percentage Yield. Rates are subject to change without notice.
TypeMinimumAPY
Regular and Special Savings  $200 0.10%
Basic Checking $0.00 0.00%
Checking Plus $1,000
$2,500		 0.10%
0.15%
IRA Savings $0.00
$1,000
$5,000		 0.15%
0.25%
1.01%
Daily Cash Account (DCA) $2,500
$5,000
$10,000
$25,000
$50,000		 0.20%
0.20%
0.44%
0.64%
0.90%

CERTIFICATE RATES
Effective Date: 12/1/2024
APY=Annual Percentage Yield. Rates are subject to change without notice.
TypeTermMinimumAPY
VIP Certificate 3 months $10,000 1.01%
Certificate 6 months
12 months
18 months
30 months		 $1,000
$1,000
$1,000
$1,000		 1.02%
1.51%
2.02%
2.53%
IRA Certificate 24 months $1,000 3.04%
Head Start Youth Certificate1 6 months $25 0.705%
Save to Win Certificate 12 months $25 0.50%
1.Available to members through high school graduation. $1,000 maximum total deposit. 

NEW AND USED AUTO LOANS
Effective Date: 12/1/2024
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
Model YearTermAPR as low as
2021-2025 36 months 4.49%
2021-2025 60 months 4.74%
2021-2025 72 months 4.99%
2023-2025 (new only) 84 months 6.39%
2019-2020 60 months 6.64%
2019-2020 72 months 6.89%
2015-2018 60 months 7.14%

NEW AND USED MOTORCYCLE LOANS
Effective Date: 12/1/2024
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
Model YearTermAPR as low as
2021-2025 60 months 6.64%
2021-2025 72 months 6.89%
2019-2020 60 months 7.64%
2015-2018 60 months 8.14%
Used motorcycles 2014 and older add 1.50% to rate.

BOAT, RV, AND MOTORHOME LOANS
Effective Date: 12/1/2024
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
TermAPR as low as
36 months 6.99%
60 months 7.24%
72 months 7.49%
120 months ($45,000 minimum) 8.00%
180 months ($45,000 minimum) 8.75%
2012 and older add 1.50% to rate

PERSONAL LOANS
Effective Date: 12/1/2024
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
TermAPR as low as
1-36 months 11.99%
37-60 months 13.24%

VISA PLATINUM CREDIT CARDS
Effective Date: 12/1/2024
APR=Annual Percentage Rate. Rates are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
CardAPR
Platinum with Rewards 8.90%
Platinum Elite 10.90%
Platinum 12.90%
Platinum Basic 14.90%
Credit Line Account Agreement and Federal Disclosure Statement

SECOND MORTGAGE LOANS
Effective Date: 12/1/2024
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
TermAPR as low as
5 Year 6.50%
7 Year 6.75%
10 Year 7.00%
15 Year 7.25%

HOME EQUITY LINE OF CREDIT
Effective Date: 12/1/2024
APR=Annual Percentage Rate. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
TypeAPR as low as
Variable rate line of credit 5.99%

OTHER LOANS
Effective Date: 12/1/2024
APR=Annual Percentage Rate. Rates are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
TypeAPR as low as
Open End LOC/Overdraft Loan 13.49%
Share Pledge - Regular 6.00%
Share Pledge - DCA 6.50%
50/50 Loan 12.24%
Credit Builder Loan 15.00%

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