Loan Rates
The following loan rates are effective on May 1, 2024. For the current Prime Rate, please visit the Wall Street Journal.
Vehicle Loan
New automobiles will be defined as those that have not been titled, or those that have been titled within the last 6 months and have less than 7,000 miles.
Loan Type Up to 36 months
APR as low as37-60 months
APR as low as61-72 months
APR as low as73-96* months
APR as low as
New Vehicle 6.00% 6.00% 6.64% 6.79%
Used Vehicle 6.25% 6.50% 7.14% 7.29%
A monthly payment for a $20,000 loan at 6.00% APR for 36 months will be $386.70 per month.
A monthly payment for a $50,000 loan at 6.79% APR for 96 months will be $676.58 per month.
*Minimum loan amount is $50,000 for terms of 85-96 months.
RV and Boat
| Up to 60 months APR as low as | 61-72 months APR as low as | 73-84 months APR as low as | 85-144* months APR as low as |
|---|---|---|---|
| 8.20% | 8.20% | 8.24% | 10.00% |
A monthly payment for a $30,000 loan at 8.20% APR for 60 months will be $611.25 per month.
A monthly payment for a $50,000 loan at 10.00% APR for 85 months will be $823.48 per month.
*Minimum loan amount is $50,000 for terms of 85-144 months.
Visa® Credit Cards
Visa® Credit Card Rates
| Term | Credit Limits | APR* as low as^ |
|---|---|---|
| Visa® Platinum | $250 – $15,000 | 13.10% |
| Visa® Platinum Rewards | $250 – $15,000 | 15.10% |
Personal Line of Credit
Personal LOC Rates
| Term | APR* as low as |
|---|---|
| Personal Line of Credit (maximum $15,000) | 14.00% |
Signature Loan
| Up to 36 months APR as low as | 37-48 months APR as low as | 49-60 months APR as low as | 61-72 months APR as low as | 73-84 months APR as low as |
|---|---|---|---|---|
| 11.00% | 11.25% | 11.50% | 12.25% | 13.25% |
A monthly payment for a $10,000 loan at 11.50% APR for 60 months will be $220 per month.
For debt consolidation loans, 2% will be added to the 60-month signature loan rate. As of May 1, 2024, a loan of $10,000 for 60 months, at an annual percentage rate of 13.50% APR will have a monthly payment of $230.19.
Home Equity Line of Credit
HELOC Rates
| Term | APR* |
|---|---|
| 80% Financing | 9.50% |
| 90% Financing | 9.75% |
Fixed Rate Home Equity Loan
Fixed Rate Home Equity Loan Rates
| Fixed Equity Products | APR* | Maximum Combined LTV | Estimated Monthly Payment/Per $10,000 |
|---|---|---|---|
| 1 to 5 Years | 8.50% | 80% | $205.22 |
| 1 to 5 Years | 8.75% | 90% | $206.43 |
Mortgage
Share-Secured Loan
Certificate- Secured Loan
Student Loans
View our current Private Student Loan rates.
View our current Refinance Student Loan rates.
Deposit Account Rates
All rates are effective May 1, 2024. Rates are subject to change at any time. Non-certificate accounts are variable and rates may change after the account is opened. Fees may reduce earnings. A fee may be imposed for early withdrawals. For updated information, call 800-914-8619.
Certificates
The following certificate rates are effective as of May 1, 2024.
Certificate Rates
| Balances^ | Term | Dividend Rate | APY* |
|---|---|---|---|
| $500 minimum | 3 months | 4.25% | 4.33% |
| $100,000 minimum | 3 months | 4.25% | 4.33% |
| $500 minimum | 6 months | 4.45% | 4.54% |
| $100,000 minimum | 6 months | 4.45% | 4.54% |
| $500 minimum | 12 months | 4.40% | 4.49% |
| $100,000 minimum | 12 months | 4.40% | 4.49% |
| $500 minimum | 20 months (Bump Up) | 3.50% | 3.56% |
| $100,000 minimum | 20 months (Bump Up) | 3.50% | 3.56% |
| $500 minimum | 24 months | 3.60% | 3.66% |
| $100,000 minimum | 24 months | 3.60% | 3.66% |
| $500 minimum | 36 months | 4.00% | 4.07% |
| $100,000 minimum | 36 months | 4.00% | 4.07% |
| $500 minimum | 48 months | 3.90% | 3.97% |
| $100,000 minimum | 48 months | 3.90% | 3.97% |
| $500 minimum | 56 months (Bump Up) | 3.70% | 3.76% |
| $100,000 minimum | 56 months (Bump Up) | 3.70% | 3.76% |
| $500 minimum | 60 months | 3.80% | 3.87% |
| $100,000 minimum | 60 months | 3.80% | 3.87% |
Accumulator Certificate
Accumulator Certificate Rates
| Balances^ | Term | Dividend Rate | APY* |
|---|---|---|---|
| $50 minimum | 24 months | 3.60% | 3.66% |
Money Market Accounts
Money Market Account Rates
| Balances^ | Dividend Rate | APY* |
|---|---|---|
| $1,000 - $4,999.99 | 0.50% | 0.51% |
| $5,000 - $9,999.99 | 0.60% | 0.60% |
| $10,000 - $24,999.99 | 0.65% | 0.65% |
| $25,000 - $49,999.99 | 0.70% | 0.70% |
| $50,000 - $74,999.99 | 0.75% | 0.75% |
| $75,000 - $99,999.99 | 0.80% | 0.80% |
| $100,000+ | 0.85% | 0.85% |
Checking Account
Individual Retirement Account (IRA), Roth and Education Savings Account (ESA)
Individual Retirement Account (IRA), Roth and Education Savings Account (ESA) Rates
| Balances^ | Dividend Rate | APY* |
|---|---|---|
| No minimum deposit | 0.25% | 0.25% |
Club Accounts
Club Account Rates
| Account Type | Dividend Rate | APY* |
|---|---|---|
| Holiday Club Savings | 0.20% | 0.20% |
| Vacation Club Savings | 0.20% | 0.20% |
Health Savings Account (HSA)
Health Savings Account Rates
| Balances^ | Dividend Rate | APY* |
|---|---|---|
| $0 - $1,999.99 | 0.05% | 0.05% |
| $2,000 - $4,999.99 | 0.10% | 0.10% |
| $5,000 - $14,999.99 | 0.10% | 0.10% |
| $15,000 - $24,999.99 | 0.15% | 0.15% |
| $25,000 + | 0.20% | 0.20% |
Young Adult Checking Account
| Balances^ | Dividend Rate | APY* |
|---|---|---|
| Up to $499.99 | 3.00% | 3.01% |
| $500 to $1,499.99 | 0.05% | 0.05% |
| $1,500 and up | 0.05% | 0.05% |
Primary Savings, Secondary Savings, Young Adult Primary Savings, Little Buffalos & Teen Account
| Balances^ | Dividend Rate | APY* |
|---|---|---|
| $25 - $1,499 | 0.15% | 0.15% |
| $1,500 and up | 0.20% | 0.20% |
See Primary Savings & Secondary Savings Disclosures
See Young Adult Primary Disclosures
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