Loan Rates

The following loan rates are effective on September 1, 2023.  For the current Prime Rate, please visit the Wall Street Journal.

Vehicle Loan

Loan TypeUp to 36 months
APR as low as
37-60 months
APR as low as
61-72 months
APR as low as
73-96* months
APR as low as
New Vehicle5.25%5.50%6.39%6.54%
Used Vehicle6.00%6.25%6.89%7.04%
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.

A monthly payment for a $20,000 loan at 5.25% APR for 36 months will be $601.75 per month.

A monthly payment for a $50,000 loan at 6.54% APR for 96 months will be $670.40 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
7.95%7.95%7.99%9.75%

A monthly payment for a $30,000 loan at 7.95% APR for 60 months will be $607.72 per month.

A monthly payment for a $50,000 loan at 9.75% APR for 85 months will be $817.14 per month.

*Minimum loan amount is $50,000 for terms of 85-144 months.

Visa® Credit Cards
Visa® Credit Card Rates
TermCredit Limits
APR* as low as^
Visa® Platinum$250 – $25,00013.10%
Visa® Platinum Rewards$250 – $25,00015.10%
Personal Line of Credit
Personal LOC Rates
TermAPR* as low as
Personal Line of Credit (maximum $25,000)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
8.75%9.00%9.25%10.00%11.00%

A monthly payment for a $10,000 loan at 9.25% APR for 60 months will be $208.86 per month.

For debt consolidation loans, 2% will be added to the 60-month signature loan rate. As of September 1, 2023, a loan of $10,000 for  60 months, at an annual percentage rate of  11.25% APR will have a monthly payment of  $218.76.

Home Equity Line of Credit
HELOC Rates
TermAPR*
80% Financing8.50%
90% Financing8.75%
For further information regarding Home Equity Lines of Credit click here.

Fixed Rate Home Equity Loan

Fixed Rate Home Equity Loan Rates

Fixed Equity ProductsAPR*Maximum Combined LTVEstimated Monthly Payment/Per $10,000
1 to 5 Years8.00%80%$202.82
1 to 5 Years8.25%90%$204.02
6 to 10 Years9.00%80%$126.73
6 to 10 Years9.75%90%$130.83
11 to 20 Years9.00%80%$90.03
11 to 20 Years9.75%90%$94.92
For further information regarding Fixed Rate Home Equity Loans click here.

Mortgage
View our current Mortgage rates.
Share-Secured Loan

Share Secured Loan Rates

APR*
3.00% Above Share Rate

Certificate- Secured Loan
Certificate Loan Rates
APR*
3.00% Above Certificate Rate
Student Loans

View our current Private Student Loan rates.

View our current Refinance Student Loan rates.

*APR = Annual Percentage Rate. Rates are based on an evaluation of credit history, so your rate may differ. The APR* shown above reflect the current minimum APR offered. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio and aggregate credit score. Loyalty rewards will be the new way to earn a loan discount coming this fall.

^Loan rates are determined based on the dividend rate for the securing account. These funds pledged as collateral for the loans must remain at the same balance as the loan.

The Home Equity Line of Credit is a variable rate loan. HELOC loans are available to owners of single family, townhouses and condominiums except for TX, NM, OK and ND. For single family homes/townhouses, borrow up to 90% (80% for condominiums) of current appraised value minus any first mortgage balance. Property insurance is required. Flood insurance may be required.

Fixed Rate Home Equity Loans are available in all states except TX.

 

Deposit Account Rates

All rates are effective September 1, 2023. Rates are subject to change at any time. Fees may reduce earnings. A fee may be imposed for early withdrawals. For updated information, call 800-914-8619.

Monthly Rates

Primary Savings, Secondary Savings, Young Adult Primary Savings, Little Buffalos & Teen Account

Balances^Dividend RateAPY*
$25 - $1,4990.15%0.15%
$1,500 and up0.20%0.20%

 

Individual Retirement Accounts (IRA), Roth and Education Savings Account (ESA)

Individual Retirement Account (IRA), Roth and Education Savings Account (ESA) Rates

Balances^Dividend RateAPY*
No minimum deposit0.25%0.25%

 

Club Savings Accounts

Club Account Rates

Account TypeDividend RateAPY*
Holiday Club Savings0.20%0.20%
Vacation Club Savings0.20%0.20%

 

Health Savings Account

Health Savings Account Rates

Balances^Dividend RateAPY*
$0 - $1,999.990.05%0.05%
$2,000 - $4,999.990.10%0.10%
$5,000 - $14,999.990.10%0.10%
$15,000 - $24,999.990.15%0.15%
$25,000 +0.20%0.20%

 

Money Market Accounts

Money Market Account Rates

Balances^Dividend RateAPY*
$1,000 - $4,999.990.50%0.51%
$5,000 - $9,999.990.60%0.60%
$10,000 - $24,999.990.65%0.65%
$25,000 - $49,999.990.70%0.70%
$50,000 - $74,999.990.75%0.75%
$75,000 - $99,999.990.80%0.80%
$100,000+0.85%0.85%

 

Checking Account

Balances^Dividend RateAPY*
Up to $1,499.990.05%0.05%
$1,500 and up0.05%0.05%

 

Young Adult Checking Account

Balances^Dividend RateAPY*
Up to $499.993.00%3.01%
$500 to $1,499.990.05%0.05%
$1,500 and up0.05%0.05%

 

Certificates

Certificate Rates

Balances^TermDividend RateAPY*
$500 minimum6 months3.75%3.82%
$100,000 minimum6 months3.75%3.82%
$500 minimum12 months5.25%5.38%
$100,000 minimum12 months5.25%5.38%
$500 minimum18 months** 5.25%5.38%
$100,00018 months**5.25%5.38%
$500 minimum20 months (Bump Up)4.30%4.39%
$100,000 minimum20 months (Bump Up)4.30%4.39%
$500 minimum24 months4.40%4.49%
$100,000 minimum24 months4.40%4.49%
$500 minimum36 months4.20%4.28%
$100,000 minimum36 months4.20%4.28%
$500 minimum48 months4.00%4.07%
$100,000 minimum48 months4.00%4.07%
$500 minimum56 months (Bump Up)3.90%3.97%
$100,000 minimum56 months (Bump Up)3.90%3.97%
$500 minimum60 months4.00%4.07%
$100,000 minimum60 months4.00%4.07%

 

Accumulator Certificates

Accumulator Certificate Rates

Balances^TermDividend RateAPY*
$50 minimum24 months4.40%4.49%

 

^Balances are the minimum balances to earn the stated APY.

*APY = Annual Percentage Yield. APY is based on the minimum balances of each tier, except for regular certificates that are based on $20,000. 

** 18-month certificate is for new money only.

More details are available in our Schedule of Fees and Charges, Truth-In-Savings Disclosure and Membership Disclosure.

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0.85%
Our Money Market
0.76%
National Avg
SOURCE:
DepositAccounts.com
vs
5.25%
Our 1yr Cert. Rate
3.77%
National Avg
SOURCE:
DepositAccounts.com
vs
4.00%
Our 5yr Cert. Rate
2.42%
National Avg
SOURCE:
DepositAccounts.com