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
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 5.25% 5.50% 6.39% 6.54%
Used Vehicle 6.00% 6.25% 6.89% 7.04%
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
| Term | Credit Limits | APR* as low as^ |
|---|---|---|
| Visa® Platinum | $250 – $25,000 | 13.10% |
| Visa® Platinum Rewards | $250 – $25,000 | 15.10% |
Personal Line of Credit
| Term | APR* 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
| Term | APR* |
|---|---|
| 80% Financing | 8.50% |
| 90% Financing | 8.75% |
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 | 8.00% | 80% | $202.82 |
| 1 to 5 Years | 8.25% | 90% | $204.02 |
| 6 to 10 Years | 9.00% | 80% | $126.73 |
| 6 to 10 Years | 9.75% | 90% | $130.83 |
| 11 to 20 Years | 9.00% | 80% | $90.03 |
| 11 to 20 Years | 9.75% | 90% | $94.92 |
Mortgage
Share-Secured Loan
Share Secured Loan Rates
| APR* |
|---|
| 3.00% Above Share Rate |
Certificate- Secured Loan
| 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 Rate | APY* |
|---|---|---|
| $25 - $1,499 | 0.15% | 0.15% |
| $1,500 and up | 0.20% | 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 Rate | APY* |
|---|---|---|
| No minimum deposit | 0.25% | 0.25% |
Club Savings 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
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% |
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
| Balances^ | Dividend Rate | APY* |
|---|---|---|
| Up to $1,499.99 | 0.05% | 0.05% |
| $1,500 and up | 0.05% | 0.05% |
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% |
Certificates
Certificate Rates
| Balances^ | Term | Dividend Rate | APY* |
|---|---|---|---|
| $500 minimum | 6 months | 3.75% | 3.82% |
| $100,000 minimum | 6 months | 3.75% | 3.82% |
| $500 minimum | 12 months | 5.25% | 5.38% |
| $100,000 minimum | 12 months | 5.25% | 5.38% |
| $500 minimum | 18 months** | 5.25% | 5.38% |
| $100,000 | 18 months** | 5.25% | 5.38% |
| $500 minimum | 20 months (Bump Up) | 4.30% | 4.39% |
| $100,000 minimum | 20 months (Bump Up) | 4.30% | 4.39% |
| $500 minimum | 24 months | 4.40% | 4.49% |
| $100,000 minimum | 24 months | 4.40% | 4.49% |
| $500 minimum | 36 months | 4.20% | 4.28% |
| $100,000 minimum | 36 months | 4.20% | 4.28% |
| $500 minimum | 48 months | 4.00% | 4.07% |
| $100,000 minimum | 48 months | 4.00% | 4.07% |
| $500 minimum | 56 months (Bump Up) | 3.90% | 3.97% |
| $100,000 minimum | 56 months (Bump Up) | 3.90% | 3.97% |
| $500 minimum | 60 months | 4.00% | 4.07% |
| $100,000 minimum | 60 months | 4.00% | 4.07% |
Accumulator Certificates
Accumulator Certificate Rates
| Balances^ | Term | Dividend Rate | APY* |
|---|---|---|---|
| $50 minimum | 24 months | 4.40% | 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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