Rates

Savings

	MIN. BALANCE TO EARN APY1	APY1
Membership Savings	100.00	0.10%
Christmas Club	0.01	0.05%
Cookie Jar Club	0.01	0.05%
Kids Klub	100.00	0.10%
IRA Savings	25.00	0.10%
Business Savings	100.00	0.10%

Rates are effective as of April 1, 2020. ¹APY = Annual percentage yield. 

Checking

	MIN. BALANCE TO EARN APY1	APY1
Interest Checking	1,000.00	0.05%

Rates are effective as of April 1, 2020. ¹APY = Annual percentage yield.

Money Market

	MIN. BALANCE TO EARN APY1	APY1
Money Market	1,000.00	0.13%
	10,000.00	0.15%
	25,000.00	0.17%
	50,000.00	0.19%
	75,000.00	0.21%
	100,000.00	0.23%

Rates are effective as of August 1, 2020. ¹APY = Annual percentage yield.

Certificates

Certificates2	MIN. BALANCE TO EARN APY1	APY1
3 Month Certificate	1,000.00	0.18%
	10,000.00	0.20%
	25,000.00	0.22%
	50,000.00	0.24%
	75,000.00	0.26%
	100,000.00	0.28%

	MIN. BALANCE TO EARN APY1	APY1
6 Month Certificate	1,000.00	0.23%
	10,000.00	0.25%
	25,000.00	0.27%
	50,000.00	0.29%
	75,000.00	0.31%
	100,000.00	0.33%

	MIN. BALANCE TO EARN APY1	APY1
12 Month Add-On Certificate3	100.00	0.25%

	MIN. BALANCE TO EARN APY1	APY1
12 Month Certificate	1,000.00	0.28%
	10,000.00	0.30%
	25,000.00	0.32%
	50,000.00	0.34%
	75,000.00	0.36%
	100,000.00	0.38%

	MIN. BALANCE TO EARN APY1	APY1
24 Month Certificate	1,000.00	0.38%
	10,000.00	0.40%
	25,000.00	0.42%
	50,000.00	0.44%
	75,000.00	0.46%
	100,000.00	0.48%

	MIN. BALANCE TO EARN APY1	APY1
36 Month Certificate	1,000.00	0.43%
	10,000.00	0.45%
	25,000.00	0.47%
	50,000.00	0.49%
	75,000.00	0.51%
	100,000.00	0.53%

	MIN. BALANCE TO EARN APY1	APY1
60 Month Certificate	1,000.00	0.53%
	10,000.00	0.55%
	25,000.00	0.57%
	50,000.00	0.59%
	75,000.00	0.61%
	100,000.00	0.63%

Rates are effective as of March 17, 2020.

¹APY = Annual percentage yield.

²For Term Share Certificates with maturities less than nine (9) months, dividends will be compounded and credited at maturity. For Term Share Certificates with maturities equal to or greater than nine (9) months, dividends will be compounded quarterly and credited quarterly. Term Share Certificates are subject to penalty for early withdrawal. Fees and withdrawals may reduce earnings on the account.

³12 Month Add-On Certificate and 12 Month IRA Add-On Certificate: $100 minimum deposit to open, maintain $100 minimum balance requirement to qualify, 0.65% APY on qualifying balances.

IRA Certificates

IRA Certificates2	MIN. BALANCE TO EARN APY1	APY1
12 Month IRA Certificate	500.00	0.28%
	10,000.00	0.30%
	25,000.00	0.32%
	50,000.00	0.34%
	75,000.00	0.36%
	100,000.00	0.38%

	MIN. BALANCE TO EARN APY1	APY1
12 Month Add On IRA Certificate3	100.00	0.25%

	MIN. BALANCE TO EARN APY1	APY1
18 Month IRA Certificate	500.00	0.33%
	10,000.00	0.35%
	25,000.00	0.37%
	50,000.00	0.39%
	75,000.00	0.41%
	100,000.00	0.43%

	MIN. BALANCE TO EARN APY1	APY1
30 Month IRA Certificate	500.00	0.38%
	10,000.00	0.40%
	25,000.00	0.42%
	50,000.00	0.44%
	75,000.00	0.46%
	100,000.00	0.48%

Rates are effective as of March 17, 2020.

¹APY = Annual percentage yield.

²For Term Share Certificates with maturities less than nine (9) months, dividends will be compounded and credited at maturity. For Term Share Certificates with maturities equal to or greater than nine (9) months, dividends will be compounded quarterly and credited quarterly. Term Share Certificates are subject to penalty for early withdrawal. Fees and withdrawals may reduce earnings on the account.

³12 Month Add-On Certificate and 12 Month IRA Add-On Certificate: $100 minimum deposit to open, maintain $100 minimum balance requirement to qualify, 0.25% APY on qualifying balances.

Auto Loans

	Term	APR1 as low as
New or Used Auto Loans	48 months	2.99%
	63 months	3.09%
	75 months	3.54%
	84 months	4.14%

Rates are effective as of January 15, 2021.

¹ APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Minimum loan amount of $5,000. Rate determined by creditworthiness, term of loan, and loan to value (LTV). Rates based on 2017 model vehicle or newer.

Boat and RV Loans

	Term	APR1 as low as
Boat and RV Loans	60 months	5.50%
	72 months	5.75%
	84 months	6.25%
	120 months	6.50%

Rates are effective as of January 1, 2020.

¹ APR = Annual Percentage Rate. Subject to credit worthiness and member's credit union relationship. All rates are based on an evaluation of credit history, so your rate may differ. Rates, conditions and programs are subject to change without notice. Rates based on 2019 model or newer.

Motorcycle Loans

	Term	APR1 as low as
Motorcycle Loans	60 months	6.75%
	72 months	7.00%

Rates are effective as of January 1, 2020.

¹ APR = Annual Percentage Rate. Subject to credit worthiness and member's credit union relationship. All rates are based on an evaluation of credit history, so your rate may differ. Rates, conditions and programs are subject to change without notice. Rates based on 2019 model or newer.

Personal Loans

	Term	APR1 as low as
Personal Loan	up to 60 months	10.90%
Share Secured	up to 60 months	4.75%

Rates are effective as of January 1, 2020.

¹ APR = Annual Percentage Rate. Subject to credit worthiness and member's credit union relationship. All rates are based on an evaluation of credit history, so your rate may differ. Rates, conditions and programs are subject to change without notice.

Home Loans

	APR1 as low as
Mortgages	Check Rates
Home Equity Loan	6.00%
Home Equity Line of Credit	3.75%

Rates are effective as of April 23, 2020.

¹ APR = Annual Percentage Rate. Subject to credit worthiness and member's credit union relationship. All rates are based on an evaluation of credit history, so your rate may differ. Rates, conditions, and programs are subject to change without notice. 

²Home Equity Line of Credit has a variable rate which is the Prime Rate as reported in The Wall Street Journal plus a margin based on creditworthiness. Maximum rate that can apply is 18% and minimum of 2.00%. The APR range above is accurate as of March 17, 2020. Rates may adjust monthly if there is a change in the Prime Rate. 

Deposit Account Dividend Information