Visit our Disclosures for the Truth-In-Savings for all accounts and Certificates. The Truth-In-Savings contains important information on our savings and certificate products. Rates are subject to change at any time.
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Loan Rates
Personal Loans
Effective Date: Friday, November 21st, 2025
| Loan Type | Terms | APR** |
|---|---|---|
| Personal Lifestyle Loan | 12-84 Months | 9.99%1 - 17.99% |
| Line of Credit | Revolving | 9.99% - 17.99% |
Visa Credit Cards
Effective Date: Friday, November 21st, 2025
| Loan Type | Terms | APR** |
|---|---|---|
| Visa Classic | Revolving. Fixed Rate. | 9.90% - 16.90% |
| Visa Platinum Cash | Revolving. Variable. | 18.00% |
Auto Loans
Effective Date: Friday, November 21st, 2025
| Loan Type | Terms | APR** |
|---|---|---|
| New or Used | Up to 84 Months | 6.14% - 17.99% |
| Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more. | ||
Recreational Vehicle Loans
Effective Date: Friday, November 21st, 2025
| Loan Type | Terms | APR** |
|---|---|---|
| New or Used Motorcycles | Up to 120 Months | 7.29% - 17.99% |
| New or Used Motorhomes, Trailers, 5th Wheels, Campers | Up to 120 Months | 7.29% - 17.99% |
| New or Used Boats | Up to 120 Months | 8.29% - 18.00% |
| New or Used ATVs, Personal Watercraft, Snowmobiles | Up to 120 Months | 8.29% - 18.00% |
| Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more. | ||
Other Types of Consumer Loans
Effective Date: Friday, November 21st, 2025
| Loan Type | Terms | APR** |
|---|---|---|
| Certificate Secured Loan | Term of Certificate | Certificate Rate + 3.00% |
| Share Secured Loan | Up to 84 Months | 5.00% |
Home Equity Line of Credit - Variable Rate
Effective Date: Friday, November 21st, 2025
| Loan Type | Terms | APR** | Limit |
|---|---|---|---|
| Up to 90% Loan to Value | 10 Year Draw Period - up to 40 Year Term | 7.00% - 9.00% | $5,000 - $250,000 |
| APR based on Loan To Value. Your home is used as collateral. | |||
1Deduct .25% if automatic payments are established at loan signing
Schedule Appointment to Open Your New Account
Share Rates
Regular Shares
Effective Date: Friday, November 21st, 2025
| Tier | Rate | APY* |
|---|---|---|
| $5.00-$1,000 | .10% | .10% |
| $1,001-$5,000 | .10% | .10% |
| $5,001-$10,000 | .15% | .15% |
| $10,001+ | .15% | .15% |
IRA & HSA Shares
Effective Date: Friday, November 21st, 2025
| Name | Rate | APY* | Terms |
|---|---|---|---|
| IRA | 1.00% | 1.00% | No minimum balance required to earn dividend |
| HSA | 1.00% | 1.00% | No minimum balance required to earn dividend |
Great Advantage Checking
Effective Date: Friday, November 21st, 2025
| Name | Rate | APY* |
|---|---|---|
| Qualifying | 4.89% | 5.0% |
| Not Qualifying | .05% | .05% |
| Qualifying Great Advantage Accounts earn the Qualifying rate on balances up to $10,000. Not Qualifying rate applies to balances over $10,000. | ||
Platinum Plus Checking
Effective Date: Friday, November 21st, 2025
| Rate | APY* |
|---|---|
| .05% | .05% |
Business Checking
Effective Date: Friday, November 21st, 2025
| Name | Rate | APY* |
|---|---|---|
| Business Plus | .05% | .05% |
| Big Business | .05% | .05% |
| High Volume Business | .05% | .05% |
Money Market
Effective Date: Friday, November 21st, 2025
| Tier | Rate | APY* |
|---|---|---|
| $2,500-$25,000 | .60% | .60% |
| $25,001-$50,000 | .80% | .80% |
| $50,001+ | 1.00% | 1.00% |
| Minimum balance of $2,500 must be maintained to earn dividend | ||
Certificate Rates
Term Certificates
Effective Date: Friday, November 21st, 2025
| Terms | Tier | Rate | APY* |
|---|---|---|---|
| 3 Months | $500 | .50% | .50% |
| 3 Months | $5,000 | .50% | .50% |
| 3 Months | $10,000+ | .50% | .50% |
| 6 Months | $500 | 1.00% | 1.00% |
| 6 Months | $5,000 | 1.00% | 1.00% |
| 6 Months | $10,000+ | 3.69% | 3.75% |
| 9 Months | $500 | 1.10% | 1.10% |
| 9 Months | $5,000 | 1.10% | 1.10% |
| 9 Months | $10,000+ | 1.10% | 1.10% |
| 12 Months | $500 | 2.00% | 2.01% |
| 12 Months | $5,000 | 2.00% | 2.01% |
| 12 Months | $10,000+ | 2.00% | 2.01% |
| 18 Month Bump | $500 | 1.85% | 1.86% |
| 18 Month Bump | $5,000 | 1.85% | 1.86% |
| 18 Month Bump | $10,000+ | 1.85% | 1.86% |
| 24 Months | $500 | 2.00% | 2.01% |
| 24 Months | $5,000 | 2.00% | 2.01% |
| 24 Months | $10,000+ | 2.00% | 2.01% |
| 36 Months | $500 | 2.00% | 2.01% |
| 36 Months | $5,000 | 2.00% | 2.01% |
| 36 Months | $10,000+ | 2.00% | 2.01% |
Platinum Plus Certificates
Effective Date: Friday, November 21st, 2025
| Terms | Tier | Rate | APY* |
|---|---|---|---|
| 24 Months | $500 | 2.24% | 2.26% |
| 24 Months | $5,000 | 2.24% | 2.26% |
| 24 Months | $10,000+ | 2.24% | 2.26% |
| 36 Months | $500 | 2.24% | 2.26% |
| 36 Months | $5,000 | 2.24% | 2.26% |
| 36 Months | $10,000+ | 2.24% | 2.26% |
| Platinum CD rates apply to account holders who qualify and have a Platinum Plus Checking account. | |||
IRA/HSA Certificates
Effective Date: Friday, November 21st, 2025
| Terms | Rate | APY* |
|---|---|---|
| 12 Months | 3.00% | 3.04% |
| 24 Months | 2.25% | 2.27% |
| 36 Months | 2.25% | 2.27% |
| Minimum deposit of $2,000 and qualifying IRA/HSA Share account required. | ||
Child's Certificate
Effective Date: Friday, November 21st, 2025
| Tier | Rate | APY* |
|---|---|---|
| $100-$10,000 | 3.00% | 3.04% |
| Maximum deposit of $10,000.00; $10,000.00 is maximum amount of aggregated certificates per youth member. Additional deposits permitted throughout term of certificate, up to seven (7) days prior to the date of maturity. | ||
*APR=Annual Percentage Rate.
**APY= Annual Percentage Yield.
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