Loan Rates

The following loan rates are effective on December 2, 2024.  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
73-84 months
APR* as low as
New Vehicle5.75%6.00%6.64%7.04%
Used Vehicle5.99%6.50%7.14%7.54%
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 5.75% APR for 36 months will be $606.12 per month.

See Disclosures

 

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 $611.15 per month.

A monthly payment for a $50,000 loan at 10.00% APR for 85 months will be $823.31 per month.

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

See Disclosures

Visa® Credit Cards

Visa® Credit Card Rates

TermCredit Limits
APR* as low as^
Visa® Platinum$250 – $15,00012.35%
Visa® Platinum Rewards$250 – $15,00014.35%

See Disclosures

Personal Line of Credit

Personal LOC Rates

TermAPR* as low as
Personal Line of Credit (maximum $15,000)13.25%

See Disclosures

Signature Loan

Up to 36 months
APR as low as
37-48 months
APR as low as
49-60 months
APR as low as
11.00%11.25%11.50%

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 September 3, 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.

See Disclosures

Home Equity Line of Credit

HELOC Rates

TermAPR*
80% Financing8.75%
90% Financing9.00%
For further information regarding Home Equity Lines of Credit click here.

See Disclosures

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 Years8.50%80%$205.22
1 to 5 Years8.75%90%$206.43
For further information regarding Fixed Rate Home Equity Loans click here.

See Disclosures

Mortgage
View our current Mortgage rates.
Share-Secured Loan

Share Secured Loan Rates

APR
4.00% Above Share Rate

See Disclosures

Certificate- Secured Loan

Certificate Loan Rates

APR*
4.00% Above Certificate Rate

See Disclosures

Student Loans

View our current Private Student Loan rates.

Deposit Account Rates

All rates are effective December 2, 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 December 2, 2024.

Certificate Rates

Balances^TermDividend RateAPY*
$500 minimum3 month4.31%4.40%
$100,000 minimum3 month Jumbo4.31%4.40%
$500 minimum6 month4.41%4.50%
$100,000 minimum6 month Jumbo4.41%4.50%
$500 minimum12 month4.05%4.13%
$100,000 minimum12 month Jumbo4.05%4.13%
$500 minimum20 month (Bump Up)3.40%3.45%
$100,000 minimum20 month Jumbo (Bump Up)3.40%3.45%
$500 minimum24 month3.50%3.56%
$100,000 minimum24 month Jumbo3.50%3.56%
$500 minimum36 month3.80%3.87%
$100,000 minimum36 month Jumbo3.80%3.87%
$500 minimum48 month3.70%3.76%
$100,000 minimum48 month Jumbo3.70%3.76%
$500 minimum56 month (Bump Up)3.50%3.56%
$100,000 minimum56 month Jumbo (Bump Up)3.50%3.56%
$500 minimum60 month3.60%3.66%
$100,000 minimum60 month Jumbo3.60%3.66%

See Disclosures

Accumulator Certificate

Accumulator Certificate Rates

Balances^TermDividend RateAPY*
$50 minimum24 months3.50%3.56%

See Disclosures

Money Market Accounts

Money Market Account Rates

BalancesDividend 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%

See Disclosures

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

See Disclosures

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

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

BalancesDividend RateAPY*
No minimum deposit0.25%0.25%

See IRA Disclosures

See ESA Disclosures

Club Accounts

Club Account Rates

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

See Disclosures

Health Savings Account (HSA)

Health Savings Account Rates

BalancesDividend 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%

See Disclosures

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%

See Disclosures

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

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