Rates

  • Checking & Savings

    • Checking & Savings

    Account TypeRateAPY
    Savings0.75% (Up to $100,000.00)0.75%Open
    Savings1.25% (greater than $100,000.001.26%Open
    Checking0.25%0.25%Open
    Health Savings (HSA)2.00% (Up to $10,000.00)2.02%
    		Apply Now
    Health Savings (HSA)1.00% (greater than $10,000.00)1.00%Apply Now
    Christmas Club*2.00%*Dividends pay annually on September 30thOpen
    Vacation Club*2.00%*Dividends pay annually on April 30thOpen
    My Club*2.00%*Dividends pay annually on the first day of the month selectedOpen
    *Club Account Dividends pay annually on maturity date with a maximum deposit limit of $10,000.00.  Each year on the maturity date, the entire balance of your account will be transferred to your primary share account or paid to you in the form of a check.
    If you make any withdrawals from your club account prior to your maturity date, your club account may be subject to closure by the Credit Union.
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  • Certificates (CDs)

    • Certificates (CDs)

    MaturityMinimum Deposit*RateAPY
    5 Month Special$500.004.50%4.58%
    3 Months$5003.00%3.03%
    3 Months Jumbo$10,0003.10%3.14%
    3 Months Jumbo+$100,0003.15%3.19%
    6 Months$5004.00%4.06%
    6 Months Jumbo$10,0004.10%4.16%
    6 Months Jumbo+$100,0004.15%4.22%
    12 Months$5004.25%4.32%
    12 Months Jumbo$10,0004.35%4.42%
    12 Months Jumbo+$100,0004.40%4.47%
    18 Months$5004.60%4.68%
    18 Months Jumbo$10,0004.70%4.78%
    18 Months Jumbo+$100,0004.75%4.84%
    24 Months$5004.00%4.06%
    24 Months Jumbo$10,0004.10%4.16%
    24 Months Jumbo+$100,0004.15%4.22%
    36 Months$5004.25%4.32%
    36 Months Jumbo$10,0004.35%4.42%
    36 Months Jumbo+$100,0004.40%4.47%
    48 Months$5003.90%3.96%
    48 Months Jumbo$10,0004.00%4.06%
    48 Months Jumbo+$100,0004.05%4.11%
    60 Months$5004.00%4.06%
    60 Months Jumbo$10,0004.10%4.16%
    60 Months Jumbo+$100,0004.15%4.22%
    *Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00.
    Once your account is established, you may not make additional deposits.  We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date.  Rate bump-up available on regular and children’s certificates with terms of 24, 36, 48, and 60 months.  This allows you to “bump-up” your exisiting certificate rate to the current rate within the same term, without changing the maturity date of the certificate.  Rate “bump-up” is allowed once during the term of the CD.

  • IRA & HSA CDs

    • IRA & HSA Certificates

    MaturityMinimum DepositRatesAPY
    5 Month Special$500.004.50%4.59%Get Started
    3 Months$5003.00%3.04%Get Started
    3 Months Jumbo IRA$100,000 3.15%3.20%Get Started
    6 Months$5004.00%4.07%Get Started
    6 Months Jumbo IRA$100,000 4.15%4.23%Get Started
    12 Months$5004.25%4.33%Get Started
    12 Months Jumbo IRA$100,000 4.40%4.49%Get Started
    18 Months$5004.60%4.70%Get Started
    18 Months Jumbo IRA$100,000 4.75%4.85%Get Started
    24 Months$5004.00%4.07%Get Started
    24 Months Jumbo IRA$100,000 4.15%4.23%Get Started
    36 Months$5004.25%4.33%Get Started
    36 Months Jumbo IRA$100,000 4.40%4.49%Get Started
    48 Months$5003.90%3.97%Get Started
    48 Months Jumbo IRA$100,000 4.05%4.13%Get Started
    60 Months$5004.00%4.07%Get Started
    60 Months Jumbo IRA$100,000 4.15%4.23%Get Started
    *Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts.
    Once your account is established, you may not make additional deposits.  We may impose a penalty equal to 90 days dividends if you withdraw the CD funds before the maturity date (regular IRA distributions are excluded from this).
    Rate bump-up available for IRA/HSA certificates with terms of 24, 36, 48, and 60 months.  This allows you to “bump-up” your existing certificate rate to the current rate within the same term, without changing the maturity date of the certificate.  Rate “bump-up” allowed once during the term of the CD.
    Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are also subject to limitations and/or penalties imposed by the Internal Revenue Service.  Please see your IRA/HSA Agreement or your tax advisor for additional information.

  • Auto & Motorcycle

    • Auto & Motorcycle Loans

    YearTermRateRate with Maximum Discount*
    2023 – 202536 Months8.25%4.50%
    2023 – 202560 Months8.75%5.00%
    2023 – 202572 Months9.00%5.25%
    2023 – 202584 Months10.00%6.25%
    2022 & Older36 Months9.00%5.25%
    2022 & Older48 Months9.25%5.50%
    2022 & Older60 Months9.50%5.75%
    2022 & Older72 Months10.25%6.50%
    *Rate discounts on the above are based on the following credit scores: 780 or greater – 3.50%, 700 to 779 – 3.00%, and 650 to 699 – 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).

  • Home Loans

    • Home Loans

    Loan TypeResidence TypeRate*
    Variable - 5 Year AdjustablePrimaryContact Us
    Variable - 10 Year AdjustablePrimaryContact Us
    Variable - 5 Year AdjustableSecondaryContact Us
    Variable - 10 Year AdjustableSecondaryContact Us
    Home EquityPrimary8.00%
    Home EquitySecondary9.00%
    Land - 5 Year Adjustable7.00%
    Land - 10 Year Adjustable7.50%
    Construction8.00%
    Fixed Rate MortgageContact Us
    *Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans). 

  • Personal & Title Loans

    • Personal Loans

    Loan TypeTermRateRate with Maximum Discount*
    Platinum Visa (with credit score 650 or >)Revolving8.00%7.75%
    Platinum Visa (with credit score of less than 650)Revolving12.50%12.25%
    Line of Credit24 Months14.50%14.25%
    Overdraft24 Months14.50%14.25%
    Personal60 Months13.00%12.75%
    Platinum Personal60 Months9.00%8.75%
    Student60-120 Months6.00%5.75%
    Home Improvement60 Months7.00%6.75%
    Short-term Personal (with credit score 650 or >)18 Months6.00%5.75%
    Short-term Personal (with credit score of less than 650)18 Months11.00%10.75%
    * Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).

    Other Titled Collateral Loans

    YearTermRateRate with Maximum Discount*
    2023-202548 Months9.75%6.00%
    2023-202560 Months10.25%6.50%
    2022 & Older36 Months10.75%7.00%
    2022 & Older48 Months11.00%7.25%
    2022 & Older60 Months11.25%7.50%
    *Rate discounts on the above are based on the following credit scores: 780 or greater – 3.50%, 700 to 779 – 3.00%, and 650 to 699 – 2.00%. Balloon note option available for amortization up to 15 years. Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).

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