Rates

Share Rates

Consumer Account Rates

Account Type Balance To Earn APY APY** Interest Rate
Membership Savings $0.00 to $25.00 0.00% 0.00%
Membership Savings $25.00 plus 0.10% 0.10%
Special Savings $100.00 plus 0.10% 0.10%
Regular Checking All 0.00% 0.00%
Health Savings Accounts See Money Market Rates
Money Market Checking $2,000.00 to $10,000.00 1.26% 1.25%
Money Market Checking $10,000.01 to $25,000.00 1.26% 1.25%
Money Market Checking $25,000.01 to $50,000.00 1.76% 1.75%
Money Market Checking $50,000.01 to $100,000.00 3.04% 3.00%
Money Market Checking $100,000.01 and over 3.56% 3.50%
Declared for May 1, 2024
Savings and Checking account dividends will be declared by the Board of Directors each month. Under-18 savings accounts will begin earning dividends at $0.01. Rates on variable rate accounts could change after account opening. Fees may reduce earnings on the account. APY is accurate as of the last dividend declaration date.
APY = Annual Percentage Yield.
Federally insured by NCUA.

Term Share Certificates (includes IRA)

Minimum Balance To Earn APY** ($250 - Over)
Term APY** Interest Rate Penalty (in Days)
3 Months 1.00% 1.00% 90 days
6 Months 1.00% 1.00% 90 days
12 Months 4.00% 3.93% 180 days
18 Months 4.00% 3.93% 180 days
24 Months 4.00% 3.93% 365 days
36 Months 3.00% 2.96% 730 days (2 Years)
48 Months 3.00% 2.96% 730 days (2 Years)
60 Months 3.00% 2.96% 730 days (2 Years)
Declared for April 12, 2024
Interest for Time Share Certificates is calculated daily and paid monthly. Upon early withdrawal, certificates will carry a penalty of forfeiture of interest as indicated. Minimum balance to earn APY** ($250 – Over). Fees may reduce earnings on the account. Penalty will never exceed the amount of interest actually earned.
APY = Annual Percentage Yield.
Federally insured by NCUA.

Business Account Rates | Business Savings and Checking Account Rates | Business / Non-Profit

Account Type Balance To Earn APY APY** Interest Rate
Membership Savings $0.00 to $25.00 0.00% 0.00%
Membership Savings $25.00 plus 0.10% 0.10%
Secondary Savings $100.00 plus 0.10% 0.10%
Regular Checking All 0.00% 0.00%
Money Market Checking $10,000.01 to $25,000.00 1.26% 1.25%
Money Market Checking $25,000.01 to $50,000.00> 1.76% 1.75%
Money Market Checking $50,000.01 to $100,000.00 3.04% 3.00%
Money Market Checking $100,000.01 and over 3.56% 3.50%
Declared for May 1, 2024
Business Savings and Business Checking account dividends will be declared by the Board of Directors each month. Rates on variable rate business accounts could change after account opening. Fees may reduce earnings on the account. APY is accurate as of the last dividend declaration date.
APY = Annual Percentage Yield.
Federally insured by NCUA.

Business Term Share Certificates

Minimum Balance To Earn APY** ($250 - Over)
Term APY** Interest Rate Penalty (in Days)
3 Months 1.00% 1.00% 90 days
6 Months 1.00% 1.00% 90 days
12 Months 4.00% 3.93% 180 days
18 Months 4.00% 3.93% 180 days
24 Months 4.00% 3.93% 365 days
36 Months 3.00% 2.96% 730 days (2 Years)
48 Months 3.00% 2.96% 730 days (2 Years)
60 Months 3.00% 2.96% 730 days (2 Years)
Declared for April 12, 2024
Interest for Business Time Share Certificates is calculated daily and paid monthly. Upon early withdrawal, certificates will carry a penalty of forfeiture of interest as indicated. Minimum balance to earn APY** ($250 – Over). Fees may reduce earnings on the account. Penalty will never exceed the amount of interest actually earned.
Rates are subject to change at any time and are not guaranteed.
APY = Annual Percentage Yield.
Federally insured by NCUA.

Loan Rates - Declared as of July 27, 2023.

All rates are reflective AS LOW AS. Actual rate based on creditworthiness and term of loan.

Automobile

Type APR* Term
Current Model Year and Previous 7 Years 5.24% Up To 84 Months
Greater Than 8 Model Years 6.24% Up To 60 Months

Loan Examples for Auto Loans APR* Monthly Payment
Current Model Year and Previous 7 Years
$10,000.00 for 24 months		 5.24% $439.79
Greater Than 8 Model Years
$10,000.00 for 24 months		 6.24% $444.29
APR = Annual Percentage Rate.

Recreational Vehicles: Campers, Trailers, RV’s, and Boats

Type APR* Term
Current Model Year and 7 Previous Years 8.74% Up To 144 Months
Greater Than 8 Model Years 9.74% Up To 120 Months

Loan Examples for Recreational Vehicles APR* Monthly Payment
Current Model Year and Previous 7 Years
$10,000.00 for 60 months		 8.74% $206.32
Greater Than 8 Model Years
$10,000.00 for 60 months		 9.74% $211.19
*APR = Annual Percentage Rate.

Personal

Type APR* Term
Personal Loan 8.99% Up To 60 Months
Personal Line of Credit 14.99% Up To 60 Months
Secured Line of Credit 10.00% Up To 36 Months

Loan Examples for Personal Loans APR* Monthly Payment
Personal Loan for $10,000.00 for 36 months 10.99% $327.34
*APR = Annual Percentage Rate.

VISA® Credit Cards

VISA® Credit Card Classic Secured Platinum
Annual Percentage Rate for purchases as low as 12.90% as low as 14.90% as low as 13.90%
Grace period for repayment of balances for purchases 25 Days 25 Days 25 Days
Method for computing the balance for purchases Average Daily Balance (including new purchases) Average Daily Balance (including new purchases) Average Daily Balance (including new purchases)
Annual Fee None None None
Minimum Interest Charge None None None
Balance Transfer Fee 2.00% 2.00% None
Cash Advance Fee 2.00% 2.00% 2.00%
Late Payment Fee $15.00 $15.00 $15.00
Foreign Transaction Fee Multiple-Currency 1.00%
Single-Currency 0.80%		 Multiple-Currency 1.00%
Single-Currency 0.80%		 Multiple-Currency 1.00%
Single-Currency 0.80%

Real Estate

Due to the ever changing economy, please ask a loan officer for Real Estate loan products and rates.

Other

Type APR* Term
New / Used Business Equipment 6.44% Up to 120 Months
Green Energy Loans 5.99% Up to 84 Months

Loan Examples for Other APR* Monthly Payment
Business Equipment $15,000.00 for 60 months 6.44% $293.07
Green Energy Loan $10,000.00 for 72 months 5.99% $165.68
APR = Annual Percentage Rate.