Rates

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.
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Certificates (CDs)

MaturityMinimum Deposit*RateAPY
3 Months$5001.75%1.76%
3 Months Jumbo$10,0001.85%1.86%
3 Months Jumbo+$100,0001.90%1.91%
6 Months$5003.50%3.55%
6 Months Jumbo$10,0003.60%3.65%
6 Months Jumbo+$100,0003.65%3.70%
12 Months$5003.75%3.80%
12 Months Jumbo$10,0003.85%3.91%
12 Months Jumbo+$100,0003.90%3.96%
18 Months$5004.00%4.06%
18 Months Jumbo$10,0004.10%4.16%
18 Months Jumbo+$100,0004.15%4.22%
24 Months$5003.80%3.85%
24 Months Jumbo$10,0003.90%3.96%
24 Months Jumbo+$100,0003.95%4.01%
36 Months$5003.60%3.65%
36 Months Jumbo$10,0003.70%3.75%
36 Months Jumbo+$100,0003.75%3.80%
48 Months$5003.75%3.80%
48 Months Jumbo$10,0003.85%3.91%
48 Months Jumbo+$100,0003.90%3.96%
60 Months$5003.90%3.96%
60 Months Jumbo$10,0004.00%4.06%
60 Months Jumbo+$100,0004.05%4.11%
*Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00.

IRA & HSA Certificates

MaturityMinimum DepositRatesAPY
3 Months$5001.75%1.76%Get Started
3 Months Jumbo IRA$100,000 1.90%1.92%Get Started
6 Months$5003.50%3.56%Get Started
6 Months Jumbo IRA$100,000 3.65%3.71%Get Started
12 Months$5003.75%3.82%Get Started
12 Months Jumbo IRA$100,000 3.90%3.97%Get Started
18 Months$5004.00%4.07%Get Started
18 Months Jumbo IRA$100,000 4.15%4.23%Get Started
24 Months$5003.80%3.87%Get Started
24 Months Jumbo IRA$100,000 3.95%4.02%Get Started
36 Months$5003.60%3.66%Get Started
36 Months Jumbo IRA$100,000 3.75%3.82%Get Started
48 Months$5003.75%3.82%Get Started
48 Months Jumbo IRA$100,000 3.90%3.97%Get Started
60 Months$5003.90%3.97%Get Started
60 Months Jumbo IRA$100,000 4.05%4.13%Get Started
*Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts.

Auto & Motorcycle Loans

YearTermRateRate with Maximum Discount*
2022 – 202436 Months8.75%5.50%Apply Now
2022 – 202460 Months9.25%6.00%Apply Now
2022 – 202472 Months9.75%6.50%Apply Now
2022 – 202484 Months10.75%7.50%Apply Now
2021 & Older36 Months9.50%6.25%Apply Now
2021 & Older48 Months9.75%6.50%Apply Now
2021 & Older60 Months10.00%6.75%Apply Now
2021 & Older72 Months11.00%7.75%Apply Now
*Rate discounts on the above are based on the following credit scores: 700 or greater – 3.00%, 650 to 699 – 2.50%, and 600 to 649 – 0.50%. Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).

Home Loans

Loan TypeResidence TypeRate*
Variable - 5 Year AdjustablePrimary7.00%Apply Now
Variable - 10 Year AdjustablePrimary7.50%Apply Now
Variable - 5 Year AdjustableSecondary8.00%Apply Now
Variable - 10 Year AdjustableSecondary8.50%Apply Now
Home EquityPrimary8.00%Apply Now
Home EquitySecondary9.00%Apply Now
Land - 5 Year Adjustable7.00%Apply Now
Land - 10 Year Adjustable7.50%Apply Now
Construction8.00%Apply Now
Fixed Rate MortgageContact UsApply Now
*Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans). 

Personal Loans

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

Other Titled Collateral Loans

YearTermRateRate with Maximum Discount*
2022-202448 Months9.75%6.50%Apply Now
2022-202460 Months10.25%7.00%Apply Now
2021 & Older36 Months10.75%7.50%Apply Now
2021 & Older48 Months11.00%7.75%Apply Now
2021 & Older60 Months11.25%8.00%Apply Now
*Rate discounts on the above are based on the following credit scores: 700 or greater – 3.00% 650 to 699 – 2.50% and 600 to 649 – 0.50%. 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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