All Available Rates
We have many rates to suit your needs. Use the links below to visit each section of the page for your convenience.
Loan Rates
Deposit Rates
Auto Loans
| Year |
Max Term |
APR* |
| 2019/2018 |
60 mos |
3.99% - 17.99% |
| 2019/2018 |
72 mos |
4.24% - 17.99% |
| 2019/2018 |
84 mos |
4.49% - 17.99% |
| 2017/2016/2015 |
60 mos |
4.74% - 17.99% |
| 2017/2016/2015 |
72 mos |
4.99% - 17.99% |
| 2017/2016/2015 |
84 mos |
5.24% - 17.99% |
| 2014/2013/2012 |
60 mos |
5.49% - 17.99% |
| 2011/2019/2009 |
60 mos |
6.49% - 17.99% |
| 2008 and older |
48 mos |
7.49% - 17.99% |
*APR=Annual Percentage Rate. All rates and terms subject to change. All loans subject to approval. Rates, terms and conditions depend on credit qualifications. For a $20,000 auto loan for a term of 60 months with a 3.99% APR, the monthly payment will be $368.90.
Motorcycles/ATVs/Scooters
| Max Term |
APR* |
| 72 mos NEW |
5.49% - 17.99% |
| 60 mos USED |
5.99% - 17.99% |
*APR=Annual Percentage Rate. For a $10,000 motorcycle loan for a term of 60 months with a 5.49% APR, the monthly payment will be $190.97
Motor Home/Travel Trailers/Recreational Vehicles
| Max Term |
APR* |
| under $20,000 - 84 mos |
New 6.49% - 17.99% |
| $20,000 - $49,999 - 144 mos |
Used 7.49% - 17.99% |
| $50,000+ - 240 mos |
|
*APR=Annual Percentage Rate. For a $15,000 motor home loan for a term of 84 months with a 6.49% APR, the monthly payment will be $222.67.
Boat/Motor Trailer
| Max Term |
APR* |
| $30,000 - 84 mos |
New 7.99% - 17.99% |
|
Used 12.99% - 17.99% |
*APR=Annual Percentage Rate. For a $10,000 boat loan for a term of 60 months with a 7.99% APR, the monthly payment will be $202.76.
Unsecured/Signature
| Max Term |
APR* |
| 60 mos |
7.49% - 17.99% |
*APR=Annual Percentage Rate. For a $10,000 share secured loan for a term of 60 months with a 1.25% APR, the monthly payment will be $172.03.
First Responder Loan
| Max Term |
APR* |
| 36 mos |
4.00% |
*APR=Annual Percentage Rate. A loan amount of $5,000 at 4.00% APR would have monthly payments of $147.62.
Shared Secure Loan
| Max Term |
APR* |
| 60 mos |
Share: 2% Above Dividend Rate |
| 60 mos |
Certificate: 2% Above Dividend Rate |
*APR=Annual Percentage Rate. For a $10,000 share secured loan for a term of 60 months with a 1.25% APR, the monthly payment will be $172.03.
Mortgages
For current rates, please contact our Mortgage Lending Department at 800.555.6665
Certificate and IRA Certificate Accounts
| Term |
Dividend Rate |
APY* |
| 3 Months |
0.90% |
0.90% |
| 6 Months |
1.60% |
1.61% |
| 12 Months |
2.25% |
2.27% |
| 24 Months |
2.35% |
2.38% |
| 36 Months |
2.45% |
2.48% |
| 48 Months |
2.50% |
2.53% |
| 60 Months |
2.80% |
2.84% |
Minimum balance of $500 to open and earn APY. Rates may change after the account is opened. *APY=Annual Percentage Yield. Early withdrawal penalties may be imposed.
18-Month ADD-ON1 Certificate Special
| Term |
Dividend Rate |
APY* |
| 18 Months |
2.85% |
2.89% |
*APY=Annual Percentage Yield. 1Add-On any amount as many times as you want for the term of the certificate. Additional deposits up to $250,000. APY is accurate as of 2.1.2019. Rate subject to change without notice. Minimum deposit of $500 required to open account. New money required for initial deposit. Penalty for early withdrawal. Fees may reduce earnings. Promotional rate effective 2.1.2019. Offer for a limited time only and may end at any time. Offer does not apply to business accounts.
12-Month Fed Hike Business Certificate Special
| Term |
Dividend Rate |
APY* |
| 12 Months |
2.80% |
2.84% |
*APY=Annual Percentage Yield. Minimum deposit of $5,000 required to open account.If rates rise as a result of the Federal Reserve increasing rates, the new interest rate and APY for the remaining term of the certificate will match the Federal Reserve increase each time the Federal Reserve increases rates through the term of the certificate. For example, if the Federal Reserve increases .25, the rate will increase .25.
New money required to open account. APY is accurate as of 2.1.2019 and promotional rate is effective 2.1.2019. Rate subject to change without notice. Penalty for early withdrawal. Fees may reduce earnings. Offer for a limited time only and may end at any time. Offer applies to business accounts only.
Jumbo Certificates and IRA Certificates
| Term |
Dividend Rate |
APY* |
| 3 months |
0.90% |
0.90% |
| 6 Months |
1.65% |
1.66% |
| 12 Months |
2.25% |
2.27% |
| 24 Months |
2.35% |
2.38% |
| 36 Months |
2.45% |
2.48% |
| 48 Months |
2.55% |
2.58% |
| 60 Months |
2.85% |
2.89% |
Minimum balance of $50,000 to open and earn APY. Rates may change after the account is opened. *APY=Annual Percentage Yield. Fees may reduce earnings on the account. Early withdrawal penalties may be imposed.
Tiered Money Market
| Investment Value |
Dividend Rate |
APY* |
| $0 to $99 |
0.00% |
0.00% |
| $100 to $2,499 |
0.05% |
0.05% |
| $2,500 to 4,999 |
0.15% |
0.15% |
| $5,000 to $9,999 |
0.20% |
0.20% |
| $10,000 to $49,999 |
0.30% |
0.30% |
| $50,000 or more |
0.35% |
0.35% |
Rates may change after the account is opened. *APY=Annual Percentage Yield. Minimum balance of $5 to open and minimum balance of $100 to earn APY. Fees may reduce earnings on the account.
Share/Savings Accounts
| Account Type |
Dividend Rate |
APY* |
| Share Savings1 |
0.05% |
0.05% |
| Health Savings Account1 |
0.05% |
0.05% |
| Christmas Club1 |
0.05% |
0.05% |
| Electronic Checking2 |
0.05% |
0.05% |
| IRA Share Accounts3 |
0.40% |
0.40% |
Rates may change after the account is opened. *APY=Annual Percentage Yield. Fees may reduce earnings on the account. 1Minimum balance of $5 to open and minimum balance of $100 to earn APY. 2Minimum balance of $5 to open and minimum balance of $500 to earn APY. 3Minimum balance of $25 to open and earn APY.
