Loan Rates

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

Print Rates

Vehicle Loan

Loan Type	Up 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 Vehicle	5.00%	5.25%	6.14%	6.29%
Used Vehicle	5.75%	6.00%	6.64%	6.79%

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 loan of $20,000 for 60 months, at an annual percentage rate of 5.25% APR will have a monthly payment of $379.75.

A loan of $50,000 for 96 months, at an annual percentage rate of 6.29% APR will have a monthly payment of $664.26.

*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
7.70%	7.70%	7.74%	7.74%

A loan of $30,000 for 60 months, at an annual percentage rate of 7.70% APR will have a monthly payment of $604.03.

*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 – $30,000	12.35%
Visa® Platinum Rewards	$250 – $30,000	14.35%

Personal Line of Credit

Personal LOC Rates

Term	APR* as low as
Personal Line of Credit (maximum $30,000)	13.25%

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
8.50%	8.75%	9.00%	9.75%	10.75%

A loan of $10,000 for 60 months, at an annual percentage rate of 9.00% APR will have a monthly payment of $207.61.

For debt consolidation loans, 2% will be added to the signature loan rate. As of March 1, 2023, a loan of $10,000 for 60 months, at an annual percentage rate of 11.00% APR will have a monthly payment of $217.46.

Home Equity Line of Credit

HELOC Rates

Term	APR*
80% Financing	7.75%
90% Financing	8.00%

For further information regarding Home Equity Lines of Credit click here.

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	6.00%	80%	$193.38
1 to 5 Years	6.25%	90%	$194.54
6 to 10 Years	7.50%	80%	$118.75
6 to 10 Years	8.00%	90%	$175.35
11 to 20 Years	8.75%	80%	$118.25
11 to 20 Years	9.00%	90%	$119.63

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. Rates for Signature, Debt Consolidation and Vehicle loans include a 0.25% relationship discount if member has an Interior FCU Checking Account, Direct Deposit (minimum $500/month), Visa® Debit Card and E-statements.

^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 FL, 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 March 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.

Print Rates

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	3.60%	3.66%
$100,000 minimum	6 months	3.60%	3.66%
$500 minimum	12 months	4.10%	4.18%
$100,000 minimum	12 months	4.10%	4.18%
$500 minimum	20 months (Bump Up)	4.20%	4.28%
$100,000 minimum	20 months (Bump Up)	4.20%	4.28%
$500 minimum	24 months	4.30%	4.39%
$100,000 minimum	24 months	4.30%	4.39%
$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%