Rates

Home Equity Loans

Home Equity* APR
Home Equity-Open End 7.50%
Home Equity-Open End Interest Only 9.50%

 

*Variable Rate. Rate is subject to change and is based on the Prime Rate. When the Prime Rate changes, the new rate will be effective the following month. Prime Rate is effective as of 1/1/2025. Rate will not exceed 12% or fall below 3.25%. Members in our Relationship Rewards program may be eligible to receive discounts towards closing costs. Your loan must close, be set up on your Credit Union account and remain open for at least 36-months, or you will be responsible for reimbursing the Credit Union for all closing costs incurred by the Credit Union, including the appraisal.

 

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Share Certificates

Certificate Type Dividend APY
1 Year 4.184% 4.25%
2 Years 4.038% 4.10%
3 Years 3.941% 4.00%
5 Years 3.796% 3.85%

$250 Minimum Balance
Rates Set: Monthly
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.

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Starter Certificate

Certificate Type Dividend APY
1 Year Add-On 4.281% 4.35%

$1 Minimum Balance
$1,000 Maximum Balance
Rates Set: Monthly
Add funds throughout the certificate term.
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
Limit One Per Member.

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Young Saver’s Certificates

Certificate Type Dividend APY
1 Year Add-On 1 4.281% 4.35%
3 Years Add-On 2 4.087% 4.15%

1 $1 Minimum Balance
$1,000 Maximum Balance
Rates Set: Monthly
Add funds at any time throughout the certificate term up to $1,000.
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
Limit One Per Member Under 18 Years of Age.

2 $1 Minimum Balance
$3,000 Maximum Balance
Rates Set: Monthly
Add funds at any time throughout the certificate term up to $3,000.
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
Limit One Per Member Under 18 Years of Age

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IRA Certificates

Certificate Type Dividend APY
1 Year 1 4.426% 4.50%
1 Year Starter Add-On 2 4.523% 4.60%
2 Years 3 4.087% 4.15%
5 Years 4 3.941% 4.00%

1 Traditional, Roth & Coverdell Education
$250 Minimum Balance
Rates Set: Monthly
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open.

2 Traditional, Roth & Coverdell Education
$1 Minimum Balance
$1,000 Maximum Balance
Rates Set: Monthly
Add funds at any time throughout the certificate term up to $1,000.
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open.
Limit One Per Member Under 18 Years of Age.

3 Traditional, Roth & Coverdell Education
$250 Minimum Balance
Rates Set: Monthly
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open.

4 Traditional, Roth & Coverdell Education
$250 Minimum Balance
Rates Set: Monthly
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open.

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Money Market Add-On Certificate

Certificate Type Dividend APY
6 Months 4.266% 4.35%

$5,000 Minimum Deposit,
$500,000 Maximum Deposit
Rates Set: Monthly
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
Add funds throughout the certificate term.

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VISA Credit Card

VISA Card APR
VISA Platinum Non-Rewards As low as 12.24%
VISA Platinum Rewards As low as 13.15%

The periodic rate used to compute the FINANCE CHARGE is based on an index plus a margin. The (“Index) is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of each month and is subject to change monthly. The (“Margin”) is determined by the Credit Union’s underwriting criteria, your ability to repay and will be disclosed to you when your account is approved and will range from 4.74% to 14.75%. Your rate will never be more than 18.00%, regardless of The Wall Street Journal Prime Rate. Any change in the Index will be effective on the first day of the billing cycle following the date of the change. An increase in the Index will result in an increase in the periodic rate, which in turn, may result in higher payments. Rates shown are effective as of 1/1/2025. Click here to view our VISA terms and agreement.

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Personal Loans

Loan Type APR
Overdraft Protection 1 18.00%
Signature 2 As low as 9.99%
Education As low as 5.99%
Share Secured 2.05%
Share Certificate Secured 2.00% Above Earned Dividend

 1 Variable Rate

2 As low as 8.99% with Rewards

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Vehicle Loans

Loan Type     APR
New, Used, Refinance - 36 Month Term 1 As low as 5.25%*
New, Used, Refinance - 48 Month Term 2 As low as 5.49%
New, Used, Refinance - 60 Month Term 3 As low as 5.74%
New, Used, Refinance - 72 Month Term 4 As low as 5.99%
New, Used, Refinance - 84 Month Term 5 As low as 6.44%
Recreational Vehicles 6 As low as 5.99%
Hybrid & Electric Vehicles 7 As low as 5.00%

1 36 Month Term *as low as 4.25% with Relationship Rewards

2 48 Month Term as low as 4.49% with Relationship Rewards

3 60 Month Term as low as 4.74% with Relationship Rewards

4 72 Month Term as low as 4.99% with Relationship Rewards

5 84 Month Term ss low as 5.44% with Relationship Rewards

6 Recreational Vehicles as low as 4.99% with Relationship Rewards

7 Hybrid & Electric Vehicles take 0.25% off regular auto loan rates for hybrid and electric vehicles (new, used, refinance).

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Regular Share/Trust/Special Purpose Club Accounts

Account Type Dividend APY
$250 Minimum Balance 1 0.05% 0.05%
$2,000.01 Minimum Balance 2 0.05% 0.05%
$10,000.01 Minimum Balance 3 0.05% 0.05%
Other Club Accounts (Vacation, Christmas, Tax) 4 0.50% 0.50%

1 Term: Daily
$250 Minimum Balance
Rates Set: Quarterly
*$10 monthly service charge will apply if a combined minimum balance of $250 is not maintained after the first six months of membership.
Monthly service charge may reduce earnings on account.

2 Term: Daily
$2,000.01 Minimum Balance
Rates Set: Quarterly

3 Term: Daily
$10,000.01 Minimum Balance
Rates Set: Quarterly

4 Term: Daily
$250 Minimum Balance
Rates Set: Quarterly
An $10 fee will be imposed for early withdrawal, which will reduce the earnings on the account.

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Checking

Account Type Dividend APY
Interest Checking 1 0.05% 0.05%
Money Market Checking 2 0.10% 0.10%

1 $250 Minimum Deposit
Terms: Daily
Rates Set: Monthly
$5 monthly service charge if monthly average balance is not maintained.
Monthly service charge may reduce earnings on account.

2 $2,000 Daily Minimum Balance
Terms: Daily
Rates Set: Monthly
$10 monthly service charge if minimum daily balance is not maintained.
Monthly service charge may reduce earnings on account.

Relationship Rewards Members earn more.

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IRA Savings

Account Type Dividend APY
IRA Savings (1.10% APY w/ Rewards) 0.996% 1.00%

Terms: Daily
Rates Set: Quarterly
A penalty could be imposed for early withdrawal, which will reduce the earnings on the account. Speak with our IRA Specialists for more information about withdrawals.
Relationship Rewards Members earn more.

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Money Market Savings

Account Type Dividend APY
Tier 1 1 1.05% 1.05%
Tier 2 2 1.09% 1.10%
Tier 3 3 1.19% 1.20%
Tier 4 4 1.29% 1.30%
Tier 5 5 1.39% 1.40%
Tier 6 6 1.49% 1.50%

1 $5,000 Minimum Balance

2 $10,000 Minimum Balance

3 $25,000 Minimum Balance

4 $50,000 Minimum Balance

5 $75,000 Minimum Balance

6 $100,000 Minimum Balance

Dividends Compounded: Monthly
Dividends Credited: Monthly
Dividend Period: Monthly

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MISCA

Certificate Type Dividend APY
2 Years 4.266% 4.35%

$10,000 Minimum Deposit,
$500,000 Maximum Deposit
Rates Set: Monthly
A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
Add funds throughout the certificate term.

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