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Rates effective as of May 1, 2019. Fees may reduce earnings. Rates subject to change.

Share AccountsLearn More

Type Minimum Balance Rate APY
Share Savings $50 0.25% 0.25%
Youth Savings $5 - $500 4.00% 4.06%
Youth Savings $500+ 0.25% 0.25%

Money Market AccountLearn More

Balance Rate APY
$2,500 - $9,999.99 0.80% 0.80%
$10,000 - $49,999.99 0.90% 0.90%
$50,000 - $99,999.99 1.00% 1.00%
$100,000+ 1.10% 1.10%

IRA SharesLearn More

Balance Rate APY
$50 - $1,999.99 1.00% 1.00%
$2,000 - $4,999.99 1.00% 1.00%
$5,000 - $9,999.99 1.00% 1.00%
$10,000 - $19,999.99 1.00% 1.00%
$20,000+ 1.00% 1.00%

IRA minimum rate is currently 1.00% APY

CertificatesLearn More

If you have been a member for 10 or more years, enjoy a rate increase of 0.10% APY on all certificates except for the Member Appreciation Certificates. 

Term Minimum Amount Rate APY
10-month Member Appreciation $500 (maximum $25,000) 2.48% 2.50%
20-month Member Appreciation $500 (maximum $25,000) 2.77% 2.80%
6-month $1,000 1.25% 1.25%
6-month
$60,000 1.35% 1.35%
12-month
$1,000 1.64% 1.65%
12-month
$60,000 1.74% 1.75%
24-month
$1,000 1.99% 2.00%
24-month
$60,000 2.08% 2.10%
36-month
$1,000 2.28% 2.30%
36-month
$60,000 2.38% 2.40%
48-month
$1,000 2.33% 2.35%
48-month
$60,000 2.43% 2.45%
60-month
$1,000 2.72% 2.75%
60-month
$60,000 2.82% 2.85%

 

EARLY WITHDRAWAL PENALTY:
Terms of 12 months or less: 90 days dividends on amount withdrawn.
Terms of more than one year: 180 days dividends on amount withdrawn

Auto LoansLearn More

Term APR as low as Notes
up to 36 months 3.24% Model years 2009 - 2019
up to 48 months 3.74% Model years 2009 - 2019
up to 60 months 4.04% Model years 2009 - 2019
up to 72 months 4.29% Model years 2009 - 2019
up to 84 months 4.54% Model years 2009 - 2019, minimum loan amount $15,000

 

Vehicles must be model year 2009-2019; add 2% for prior model years.

RV/Boat LoansLearn More

Term APR as low as Notes
up to 84 months 4.54% Model years 2009 - 2019
up to 144 months 5.54% Model years 2009 - 2019
up to 180 months 6.29% Model years 2009 - 2019

 

Home Mortgage LoansLearn More

Term APR as low as Notes
5/1 ARM 3.80%/4.25%** Annual rate adjustment after initial 5-year period
10-year fixed 3.70% 1st mortgage only
15-year fixed 3.95% 1st mortgage only
20-year fixed 4.20% 1st mortgage only
5-year fixed 3.55% Rapid Mortgage (1st mortgage only)*
7-year fixed 3.80% Rapid Mortgage (1st mortgage only)*
10-year fixed 3.95% Rapid Mortgage (1st mortgage only)*
12-year fixed 4.30% Rapid Mortgage (1st mortgage only)*
30-year fixed   Contact us for current rates
FHA   Contact us for current rates
VA   Contact us for current rates
Guaranteed Rural Housing (USDA)   Contact us for current rates

* No fee loan with early closure penalty if loan closed within the first 24 months; Terms and conditions apply.

** Variable rate based on Federal COFI + margin. Rate shown is 5-year introductory rate.

Home Equity LoansLearn More

Term APR as low as Notes
5-year 3.99% Fixed rate
10-year 4.49% Fixed rate
15-year 5.24% Fixed rate
Home Equity Line of Credit 2.99%*** Annual rate adjustment

*** Variable rate based on 12 month average of Wall Street Journal prime rate. Based on current index; after 1st year rate is 5.25% - 8.25%

Personal LoansLearn More

APR as low as Notes
6.95% up to 48 months
7.95% up to 60 months
8.95% up to 72 months

Credit CardsLearn More

Type APR as low as Notes
Rewards Visa Credit Card^ 10.15% Variable rate
Visa Credit Card 8.90% Fixed rate - no annual fee

APY = annual percentage yield.

APR = annual percentage rate.

^Variable Rate Information: Your rate may increase or decrease if the Prime Rate as published in the Wall Street Journal five days before the end of the previous month increases or decreases. Your rate can change monthly on the first day of each billing cycle following a change in the Prime Rate. Your rate will be equal to the Prime Rate plus a margin of 4.65%-10.65%. Any increase will take the form of more payments of the same amount. Your variable rate will never be more than the maximum rate allowed by applicable law. Rates and fees are subject to change.