We've got your back with great local servicing

Hello! What are you shopping for today?

Loan Rates  |  Deposit Rates

 

 

 

 

Loan Rates

Scroll down and click on a section to see rates for different account types. Rates effective November 27, 2020.

Auto RatesApply today »

Vehicular Loan Rates (Based on APR*) Opened Entry Closed Entry

New Auto/Motorcycle ¹
36 Months - 2.59%
48 Months - 2.59%
63 Months - 2.59%
75 Months - 2.84%
84 Months - 4.34%

Used Auto/Motorcycle ¹
36 Months - 2.84%
48 Months - 2.84%
63 Months - 2.84%
75 Months - 3.34%
84 Months - 4.84%

Used Auto (2014 or older)
36 Months - 5.94%
48 Months - 5.94%
60 Months - 5.94%

Used Motorcycle (2014 or older)
36 Months - 7.44%
48 Months - 7.44%

New/Used Boat
36-60 Months - 6.25%
120 Months - 6.50%
144 Months - 7.50%

New/Used RV
36-84 Months - 6.50%
120 Months - 7.00%
144 Months - 7.50%

*APR = Annual Percentage Rate. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.

1) Minimum loan for 75 month term is $15,000: for 84 month term is $25,000. Term and rates on secured loans are dependent upon the age of the security and mileage on the collateral. Some restrictions may apply.

Personal RatesApply today »

Personal Loan Rates (Based on APR*) Opened Entry Closed Entry

Lines of Credit
9.65%

Any Reason Any Season ¹
48 Months - 7.24%
72 Months - 8.24%

Other Secured
36 Months - 6.25%
48 Months - 6.75%
60 Months - 7.25%

*APR = Annual Percentage Rate. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.

1) Minimum loan amount $500.

Credit Card RatesApply today »

Credit Card Rates (Based on APR*) Opened Entry Closed Entry

Preferred Platinum Visa ¹
6.90%

Platinum Points Visa ¹
8.90%

Visa Signature ²
11.25%

Secured Visa ³
14.90%

*APR = Annual Percentage Rate. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting. No annual fee; 25 day grace period on purchases if payment is made in full by due date. See application for complete terms and conditions.

1) Rates may vary with the market based on the Prime Rate quoted in the Wall Street Journal. The Prime Rate plus the margin equal the Annual Percentage Rate (APR). The margin will be based on creditworthiness. APR can change on the first day of the billing cycle in the month following a change in the Prime Rate. We will use the Prime Rate as of the 15th day of the month before the month of any APR adjustment.

2) Credit lines starting at $10,000. Click for introductory rate

3) Minimum $500 limit.

Home RatesApply today »

Mortgage Loan Rates (Based on APR*) Opened Entry Closed Entry

Fixed Mortgage ¹

30-Year
Rate - 2.875%
APR - 3.032%

15-Year
Rate - 2.375%
APR - 2.659%


Adjustable Rate Mortgage (ARM)

7/1 ARM (First Time Home Buyer)
Rate - 3.500%
APR - 3.663%

5/1 ARM
Rate - 2.375%
APR - 3.265%


Home Equity ² 

15-Year Choice
Rate - 5.375%
APR - 5.327%

Line of Credit (HELOC) Interest Only
APR - 3.250%


Jumbo ³

30-Year
Rate - 2.875%
APR - 3.029%

15-Year
Rate - 2.375%
APR - 2.653%

5/1 ARM
Rate - 2.375%
APR - 3.262%

*APR = Annual Percentage Rate. Rates effective November 25, 2020. Rates, and terms and conditions subject to change without notice on new loans. Rates posted are estimates only and are subject to change without notice. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. The quotes above are based on a specific loan amount for the purchase of a single family primary residence.

1) 15 and 30 Year Fixed Rate loan payments are based on a loan amount of $150,000.00

2) 15 Year Choice Home Equity loan payments are based on a loan amount of $10,000.00

3) 15 and 30 Year JUMBO loan payments are based on a $510,400.00 loan amount.


 

 

Deposit Rates

Scroll down and click on a section to see rates for different account types. Rates effective November 24, 2020 - November 30, 2020.

Transaction AccountsOpen account »

Savings Account* Rates Opened Entry Closed Entry

Regular Savings
Min. Balance/Average Daily Balance - $5/$100
Dividend Rate - 0.10%
APY - 0.10%

Holiday Savings
Min. Balance/Average Daily Balance - $0/$5
Dividend Rate - 0.10%
APY - 0.10%

Multiple Savings
Min. Balance/Average Daily Balance - $0/$100
Dividend Rate - 0.10%
APY - 0.10%

Junior Account Savings
Min. Balance/Average Daily Balance - $5/$5
Dividend Rate - 0.10%
APY - 0.10%

Financial Youth Group Savings
Min. Balance/Average Daily Balance - $5/$5
Dividend Rate - 0.10%
APY - 0.10%

Young Adult Financial Group Savings
Min. Balance/Average Daily Balance - $5/$5
Dividend Rate - 0.10%
APY - 0.10%

Earn & Learn Savings
Min. Balance/Average Daily Balance - $5/$5
Dividend Rate - 2.96% (0.10% when balance is over $1,000)
APY - 3.00% (0.10% when balance is over $1,000)

*Interest and dividends are paid and compounded monthly based on the average daily balance on all accounts except the Money Market Account.

1) Earn and Learn available to members up through age 21.

APY = Annual Percentage Yield -- assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.

 

Checking Account* Rates Opened Entry Closed Entry

Basic Checking
Min. Balance/Average Daily Balance - $0

Interest Checking Plus
Min. Balance/Average Daily Balance - $5 per month (if balance is under $500)
Dividend Rate - 0.10%
APY - 0.10%

*Interest and dividends are paid and compounded monthly based on the average daily balance on all accounts except the Money Market Account.

APY = Annual Percentage Yield -- assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.

Money Market Account* Rates Opened Entry Closed Entry

Min. $1,000 - $9,999
Dividend Rate - 0.15%
APY - 0.15%

$10,000 - $24,999
Dividend Rate - 0.15%
APY - 0.15%

$25,000 - $49,999
Dividend Rate - 0.20%
APY - 0.20%

$50,000 - $99,999
Dividend Rate - 0.25%
APY - 0.25%

$100,000 - $249,999
Dividend Rate - 0.30%
APY - 0.30%

$250,000 & above
Dividend Rate - 0.40%
APY - 0.40%

*Money Market Account interest is compounded daily and paid monthly.

APY = Annual Percentage Yield -- assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.

Time Deposit AccountsOpen account »

Certificate of Deposit (CD)* Rates Opened Entry Closed Entry

6 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.30%
APY - 0.30%

9 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.45%
APY - 0.45%

12 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.50%
APY - 0.50%

18 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.55%
APY - 0.55%

24 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.65%
APY - 0.65%

36 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.75%
APY - 0.75%

36 Month Variable Rate Certificate ¹
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.70%
APY - 0.70%

48 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.85%
APY - 0.85%

60 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 1.00%
APY - 1.00%

60 Month Variable Rate Certificate ¹
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.95%
APY - 0.95%

*Interest and dividends are paid and compounded monthly based on the average daily balance on all accounts except the Money Market Account. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

1) APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

APY = Annual Percentage Yield -- assumes principal and interest/dividends remain on deposit for the entire year. A penalty will or may be imposed for early withdrawal. Withdrawals will reduce earnings on the account.

 

Member Merits (Gold)* Rates Opened Entry Closed Entry

6 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.35%
APY - 0.35%

9 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.50%
APY - 0.50%

12 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.55%
APY - 0.55%

18 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.60%
APY - 0.60%

24 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.70%
APY - 0.70%

36 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.80%
APY - 0.80%

36 Month Variable Rate Certificate ¹
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.75%
APY - 0.75%

48 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.90%
APY - 0.90%

60 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 1.05%
APY - 1.05%

60 Month Variable Rate Certificate ¹
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 1.00%
APY - 1.00%

*Penalty for early withdrawal from certificates. Fees may reduce earnings on the account. See "Truth and Savings Disclosure" for further information. Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance on all accounts except the Money Market Account.

1) APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

APY = Annual Percentage Yield -- assumes principal and interest/dividends remain on deposit for the entire year. A penalty will or may be imposed for early withdrawal. Withdrawals will reduce earnings on the account.

Tax Advantage AccountsOpen account »

Individual Retirement Account (IRA)* Rates Opened Entry Closed Entry

IRA Accumulation
Min. Balance/Average Daily Balance - $5
Dividend Rate - 0.10%
APY - 0.10%


Money Market Account ¹

Min. $1,000 - $9,999
Dividend Rate - 0.15%
APY - 0.15%

$10,000 - $24,999
Dividend Rate - 0.15%
APY - 0.15%

$25,000 - $49,999
Dividend Rate - 0.20%
APY - 0.20%

$50,000 - $99,999
Dividend Rate - 0.25%
APY - 0.25%

$100,000 - $249,999
Dividend Rate - 0.30%
APY - 0.30%

$250,000 & above
Dividend Rate - 0.40%
APY - 0.40%


Certificate of Deposit

6 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.35%
APY - 0.35%

9 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.50%
APY - 0.50%

12 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.55%
APY - 0.55%

18 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.60%
APY - 0.60%

24 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.70%
APY - 0.70%

36 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.80%
APY - 0.80%

36 Month Variable Rate Certificate ²
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.75%
APY - 0.75%

48 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 0.90%
APY - 0.90%

60 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 1.05%
APY - 1.05%

60 Month Variable Rate Certificate ²
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 1.00%
APY - 1.00%

*Penalty for early withdrawal. Fees may reduce earnings on the account. See "Truth-in-Savings Disclosure" for further information. Interest and dividends are paid and compounded monthly based on the average daily balance on all accounts except the Money Market Account.

1) Money Market Account interest is compounded daily and paid monthly. 

2) APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. Variable and Special Rate IRA certificates available only for Traditional IRAs. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

APY = Annual Percentage Yield -- assumes principal and interest/dividends remain on deposit for the entire year. A penalty will or may be imposed for early withdrawal. Withdrawals will reduce earnings on the account.

 

Health Savings Account (HSA)* Rates Opened Entry Closed Entry

Interest Checking
Min. Balance/Average Daily Balance - $0
Dividend Rate - 1.00%
APY - 1.00%

 

*Interest and dividends are paid and compounded monthly based on the average daily balance on all accounts except the Money Market Account. Fees may reduce earnings on the account.

APY = Annual Percentage Yield -- assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.