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Rates

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Vehicle Rates
Loan Type Rates as low as Terms/Information
New Auto Loans 6.74% APR Current or prior year model with less than 10,000 miles.
Used Auto Loans 6.74% APR Previous six years' models with less than 85k miles.
New/Used Recreational Vehicle 8.99% APR Boat, Travel Trailer, Motorcycle
ATVs and other toys 8.99% APR ATVs, Personal Watercraft, Side by Side, and Lawn Equipment
Personal Rates
Loan Type Rates as low as Terms/Information
Personal/Unsecured Loans 11.99% APR Up to 60 months financing
Credit Card Rates
Loan Type Rates as low as Terms/Information
MasterCard Platinum Credit Card 12.74% APR Same rate for purchase & balance transfers* with no fees
MasterCard Rewards Credit Card 15.74% APR Same rate for purchase & balance transfers* with no fees
Home Rates
Loan Type Rates as low as Terms/Information
Home Equity Line of Credit (HELOC) 7.74% APR Interest only for 10 years, no upfront closing costs, up to 100% loan to value
Home Improvement Loan 9.99% APR Unsecured loan with fast turnaround, great alternative to using your home’s equity.

Loan rate based on credit score, loan term and member relationship.
*Applies after 12-month introductory BT Rate of 0.00%. Balance Transfer Fee is 3.00% or $50.00 of the amount of each transfer, whichever is greater.
Effective August 1, 2023.

Savings Rates
Account Type APY DIV. RATE Tier
Savings 0.10% 0.10% $5
Holiday Savers Club (Up to $5,000) 3.04% 3.00% $0 - $5,000
Holiday Savers Club ($5,000 +) 0.01% 0.01% $5,000.01 +
Platinum Business Checking 0.10% 0.10% $1,000
Youth Accounts 0.10% 0.10% N/A
Checking 0.10% 0.10% $0
IRA (Variable) 0.20% 0.20% N/A
Money Market
APY DIV. RATE Tier
0.10% 0.10% $2,500 - $10,000
2.27% 2.25% $10,000.01 - $99,999.99
2.27% 2.25% $100,000 - $499,999.99
2.27% 2.25% $500,000 +

Effective April 4, 2025.

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Share & IRA Certificate Rates
Certificate Term APY DIV. RATE
3-Month Certificate 4.07% 4.00%
6-Month Certificate 4.07% 4.00%
12-Month Certificate 4.00% 3.93%
18-Month Certificate 3.75% 3.69%
24-Month Certificate 3.75% 3.69%
30-Month Certificate 3.75% 3.69%
36-Month Certificate 3.50% 3.45%
48-Month Certificate 3.50% 3.45%
60-Month Certificate 3.50% 3.45%

Annual Percentage Yields (APY) effective as of August 4, 2025.
Certificate rates are fixed upon opening the account. Minimum deposit $1000. Early withdrawal penalties apply.

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