Rates
Savings and Christmas Club
Effective Date: September 24, 2025
| Quarterly Paid Dividends | |||
|---|---|---|---|
| Type | Minimum Balance To Earn Dividends | Dividend Rate | Annual Percentage Yield |
| Savings/Special Savings | $184 | 0.15% | 0.15% |
| Christmas Club | $184 | 0.15% | 0.15% |
Rewards Checking Account*
| Monthly Paid Dividends | |||
|---|---|---|---|
| Type | Minimum Balance | Dividend Rate | Annual Percentage Yield |
| Rewards Checking | $500 | 5.00% | 5.12% |
| $20,000 | 0.02% | 0.02% | |
*Must meet min. qualifications to qualify for dividends. Subject to change. See credit union for up-to-date rate and details.
CD and IRA Rates
| Quarterly Paid Dividends | ||||
|---|---|---|---|---|
| Type | Term | Minimum Balance | Dividend Rate | Annual Percentage Yield |
| Certificate | 6 Months | $1,000 | 2.75% | 2.78% |
| 6 Months | $10,000 | 3.00% | 3.04% | |
| 1 Year | $10,000 | 3.25% | 3.30% | |
| 2 Years | $10,000 | 3.00% | 3.04% | |
| 5 Years | $10,000 | 2.50% | 2.52% | |
| Certificate/IRA | 1 Year | $1,000 | 3.00% | 3.04% |
| 2 Years | $1,000 | 2.75% | 2.78% | |
| 5 Years | $1,000 | 2.25% | 2.27% | |
| Certificate/IRA Special | 7 Months | $10,000 | 4.25% | 4.32% |
| Convenient Money CD | 1 - 2 Years | $1,000 | 0.75% | 0.75% |
| 1 - 2 Years | $10,000 | 1.00% | 1.00% | |
| Simple Saver Certficate | 1 Year | $100 | 3.50% | 3.55% |
ISMA
| Monthly Paid Dividends | |||
|---|---|---|---|
| Type | Minimum Balance | Dividend Rate | Annual Percentage Yield |
| High Yield | $3,000 | 1.00% | 1.00% |
| Jumbo | $100,000 | 1.25% | 1.25% |
Loan Rates
As of September 24, 2025
| New and Promotional Rate Auto 2024 - 2026 Vehicles | ||||
|---|---|---|---|---|
| Up to 36 Months | 37 - 48 Months | 49 - 60 Months |
Luxury Only 61 - 72 Months |
Luxury Only 73 - 84 Months |
| 3.50% | 4.25% | 4.25% | 4.75% | 5.50% |
| Used Auto | ||||
|---|---|---|---|---|
| Up to 36 Months | 37 - 48 Months | 49 - 60 Months |
Luxury Only 61 - 72 Months |
Luxury Only 73 - 84 Months |
| 4.00% | 4.50% | 4.50% | 5.25% | 5.75% |
| Share Secured | ||||
|---|---|---|---|---|
| Up to 36 Months | 37 - 48 Months | 49 - 60 Months | 61 - 72 Months | 73 - 84 Months |
| 3.25% | 3.75% | 5.00% | 7.00% | 7.00% |
| $500 Share Secured Credit Builder | ||||
|---|---|---|---|---|
| Up to 12 Months | ||||
| 5.00% | ||||
| Certificate of Deposit Secured | ||||
|---|---|---|---|---|
| 2% above rate paid on Certificate of Deposit | ||||
| $500 Line of Credit | |
|---|---|
| $25 Processing Fee | Up to 36 Months |
| 17.50% | |
| New and Used Collateral | ||||
|---|---|---|---|---|
| Up to 180 Months | ||||
| Calculation of annual percentage rate is determined by the current market value of the collateral and the length of the loan. | ||||
| Visa Credit Card | ||||
|---|---|---|---|---|
| Up to $15,000 Limit | ||||
| 11% to 18% Annual Percentage Rate. Variable rate based on Wall Street Prime rate. | ||||
| Home Equity Line of Credit | ||||
|---|---|---|---|---|
| 7-Year Draw Period | 10-Year Payback Period | Rate subject to change quarterly | ||
| Wall Street Prime Rate plus 0% to 3%. | ||||
New auto: Must never have been titled. Less than 15,000 miles. One year old or less.
Luxury auto: MSRP of $25,000 or < when vehicle was new.
Rates are based on Beacon score of 730 or higher. In the event of two Beacon scores, the highest score is used.
Mortgage Rates
Effective Date: August 28, 2025
| 5-Year Fixed Rate | |||
|---|---|---|---|
| Conventional Mortgage | |||
| 5.00% | |||
| 10-Year Fixed Rate | |||
|---|---|---|---|
| Conventional Mortgage | |||
| 5.25% | |||
| 15-Year Fixed Rate | |||
|---|---|---|---|
| Conventional Mortgage | |||
| 5.50% | |||
| 5-Year Balloon | |||
|---|---|---|---|
| 80% or less of appraised value | |||
| 5.50% | |||
| 5-Year Balloon | |||
|---|---|---|---|
| Over 80% of appraised value | |||
| 6.00% | |||
Rates are based on Beacon score of 730 or higher. In the event of two Beacon scores, the highest score is used.
5-year balloon: Payment is based on a 30-year term. After 5 years, balance must be paid in full or refinanced at the current posted rate.