Rates
Loans
Vehicle & Collateral Secured Loans
| Term | APR * | Monthly Payment Per $1,000 | |||||
|---|---|---|---|---|---|---|---|
| 24 months | 2.75% | $42.88 | |||||
| 36 months | 3.50% | $29.31 | |||||
| 48 months | 3.75% | $22.48 | |||||
| 60 months | 3.95% | $18.40 | |||||
| 72 months | 4.25% | $15.77 | |||||
| 84 months | 4.50% | $13.91 | |||||
| 96 months | 5.00% | $12.68 | |||||
| 120 months | 5.50% | $10.86 | |||||
| 180 months | 6.00% | $ 8.45 | |||||
*APR is annual percentage rate. Rates quoted "as low as." Rate is determined by an assessment of credit and may vary from rate shown. Monthly payment estimates are based on the corresponding APR for the term listed. Restrictions may apply. Rates effective 04/01/2018 and are subject to change without notice.  Return to top | |||||||
| Other Loans | Term | APR * | |||||
|---|---|---|---|---|---|---|---|
| Signature Loan | 12 months | 6.99% | |||||
| 24 months | 8.99% | ||||||
| 36 months | 9.99% | ||||||
| 48 months | 10.99% | ||||||
| 60 months | 11.99% | ||||||
| Share Secured (Pledged)1 | Share rate + 2.00% | ||||||
| Certificate Secured (Pledged)2 | Certificate Rate + 2.00% | ||||||
*APR is annual percentage rate. Rates quoted "as low as." Rate is determined by an assessment of credit and may vary from rate shown. 1Share Secured APR will be the dividend rate being paid on the Share Account on the date of the advance plus 2.00%. 2Certificate Secured APR will be the dividend rate being paid on the Certificate (Index) offered plus 2.00%. The Certificate must be renewed until the advance is completely paid. Upon renewal, the APR will change to reflect the new dividend rate. Not eligible for rate discounts. Ask for more information. Rates effective 01/01/2018 and are subject to change without notice. Return to top | |||||||
Mortgages
CLICK FOR CURRENT MORTGAGE RATES
| Return to top |
| Home Equity | Term | APR * | Monthly Payment Per $1,000 | ||||
|---|---|---|---|---|---|---|---|
| 5 Year Home Equity1 | 5 year | 3.50% | $18.20 | ||||
| 10 Year Home Equity1 | 10 year | 4.25% | $10.25 | ||||
| 15 Year Home Equity1 | 15 year | 5.25% | $ 8.04 | ||||
| Variable Rate Home Equity Line of Credit2 | 8 year draw/12 year repayment | 4.125% | $ 8.82 | ||||
*APR is annual percentage rate. Rates effective 03/23/2018 and are subject to change without notice. 1 Terms and restrictions may apply. Ask for more information. Add 1.00% to the published rate when loan to value is greater than 80%. 2 Rate is variable based on Wall Street Journal Prime Rate minus 0.625%. The rate has a floor of 4.00% and a ceiling of 18.00%. Loan-to-value 90% or less. Read full disclosure. Return to top | |||||||
Credit Card
| VISA Card | APR * | ||||||
|---|---|---|---|---|---|---|---|
| Platinum 1 | 4.90% Introductory APR - 6 months. 8.40% thereafter | ||||||
| Classic 2 | 12.00% | ||||||
| Business Visa 3 | 8.75% | ||||||
APR is annual percentage rate. No annual fee. Rate is subject to change. 1Platinum Visa has a 4.90% introductory APR for purchases and cash advances for a period of six billing cycles, after which the APR will be 8.40%. Platinum Visa has a 4.90% introductory APR for balance transfers for a period of 12 billing cycles, after which the APR will be 8.40%. The APR will vary with the market based on the Prime Rate. 2Visa Classic has a fixed rate of 12.00% APR for purchases and cash advances. Visa Classic has an introductory 8.90% APR for balance transfers for a period of 12 billing cycles, after which the APR will be 12.00%. Click for consumer disclosure. 3Business Visa APR will vary with the market based on the Prime Rate. Click for the Business Visa Disclosure. All rates effective 04/01/2018 and are subject to change without notice. Return to top | |||||||
Savings
Savings Rates
| Account Type | APY * | Dividend Rate | |||||
|---|---|---|---|---|---|---|---|
| Regular | 0.10% | 0.10% | |||||
| High Yield < $20K | 0.25% | 0.25% | |||||
| High Yield < $50K | 0.30% | 0.30% | |||||
| High Yield < $100K | 0.40% | 0.40% | |||||
| High Yield > $100K | 0.45% | 0.45% | |||||
| Stash the Cash | 0.40% | 0.40% | |||||
| Health Savings Account (HSA) | 0.40% | 0.40% | |||||
| IRA & SEP | 0.45% | 0.45% | |||||
| Youth Account | |||||||
*APY is annual percentage yield. Rate is dividend rate. Rates effective 3/1/2018 and are subject to change without notice. Return to top | |||||||
Business Shares
| Account Type | APY * | Dividend Rate | Min. Opening Deposit | Min. Balance | |||
|---|---|---|---|---|---|---|---|
| Business Regular Shares | 0.25% | 0.25% | $5.00 | $5.00 | |||
| Business Share Draft - over $1k | 0.10% | 0.10% | $100.00 | ||||
| Business High Yield Shares - up to $25k | 0.25% | 0.25% | |||||
| Business High Yield Shares - up to $50k | 0.35% | 0.35% | |||||
| Business High Yield Shares - up to $100k | 0.45% | 0.45% | |||||
| Business High Yield Shares - over $100k | 0.55% | 0.55% | |||||
*APY is annual percentage yield. Rate is dividend rate. Rates effective 3/1/2018 and are subject to change without notice. Return to top | |||||||
Certificates
| Regular Share & IRA Certificates | APY * | Dividend Rate | |||||
|---|---|---|---|---|---|---|---|
| CD Special 18 Month | 1.61% | 1.60% | |||||
| CD Special 13 Month | 1.51% | 1.50% | |||||
| CD Special 7 Month | 1.00% | 1.00% | |||||
| CD - 6 Month | 0.77% | 0.77% | |||||
| CD - 12 Month | 1.11% | 1.10% | |||||
| CD - 18 Month | 1.22% | 1.21% | |||||
| CD - 24 Month | 1.44% | 1.43% | |||||
| CD - 36 Month | 1.55% | 1.54% | |||||
| CD - 48 Month | 1.77% | 1.76% | |||||
| CD - 60 Month | 2.22% | 2.20% | |||||
| Youth Certificate (12 months) | 1.11% | 1.10% | |||||
APY is Annual Percentage yield. Only new money eligible for CD Specials. Minimum Deposit on CD Specials, Regular and IRA Share Certificates is $1,000.00. Minimum Deposit on Jumbo Regular and Jumbo IRA Share Certificates is $100,000.00. Minimum deposit for a Youth Certificate is $100.00. Penalty for early withdrawal. Penalties may reduce earnings. Ask for more information. Rate is dividend rate. Rates effective 03/01/2018 and are subject to change without notice. Return to top | |||||||