Rates
Rates effective as of 6/2/2025
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.
Loan Rates
| Loan Type | Terms | APR* | Unsecured Consumer Loans |
|---|---|---|
| Personal Lifestyle Loan | Up to 84 Months | 9.99%1 - 17.99% |
| Line of Credit | Revolving | 9.99% - 17.99% |
| Visa Credit Cards | ||
| Classic Visa | Revolving. Fixed Rate. | 9.90% - 16.90% |
| Auto Loans | ||
| New or Used Autos | Up to 84 Months | 6.39%1 - 17.99% |
| 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 | ||
| New or Used Motorcycles | Up to 120 Months | 7.29%1 - 17.99% |
| New or Used Motorhomes, Trailers, 5th Wheels, Campers | Up to 120 Months | 7.29%1 - 17.99% |
| New or Used Boats | Up to 120 Months | 8.29%1 - 18.00% |
| New or Used ATVs, Personal Watercraft, Snowmobiles | Up to 120 Months | 8.29%1 - 18.00% |
| 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. Interest rate will decrease by .25% if enrolled with credit union automatic payments. | ||
| Other Types of Consumer Loans | ||
| Certificate Secured Loan | Term of Certificate | Certificate Rate + 3.00% |
| Share Secured Loan | Up to 84 Months | 5.00% |
| HELP - Home Equity Line of Credit with a Variable Rate | ||
| Up to 90% Loan to Value | 10 year draw period |
7.5-9.5% |
1Deduct .25% if automatic payments are established at loan signing
Share Rates
| Share Balance | APY** |
|---|---|
| $5.00 - $1,000 | .10% |
| $1,001 - $5,000 | .10% |
| $5,001 - $10,000 | .15% |
| $10,000+ | .15% |
| IRA/HSA Shares | |
| No Minimum Balance Required | 1.00% |
| Regular Checking | |
| Great Advantage Checking | .05-5.00% |
| Platinum Plus Checking | .05% |
| Business Checking | |
| Business Plus | .05% |
| Big Business | .05% |
| High Volume | .05% |
| Money Market | |
| $2,500 Minimum Balance Required to earn Dividends | |
| $2,500 - $25,000 | .60% |
| $25,001 - $50,000 | .80% |
| $50,001+ | 1.00% |
Certificate Rates
| Certificate Term | Minimum Deposit | APY** | Platinum |
|---|---|---|---|
| 3 Month CD | $500.00 | .50% | Not Applicable |
| 3 Month CD | $5,000.00 | .50% | Not Applicable |
| 3 Month CD | $10,000.00 | .50% | Not Applicable |
| 6 Month CD | $500.00 | 1.00% | Not Applicable |
| 6 Month CD | $5,000.00 | 1.00% | Not Applicable |
| 6 Month CD | $10,000.00 | 4.00% | Not Applicable |
| 9 Month CD | $500.00 | 1.10% | Not Applicable |
| 9 Month CD | $5,000.00 | 1.10% | Not Applicable |
| 9 Month CD | $10,000.00 | 1.10% | Not Applicable |
| 12 Month CD | $500.00 | 2.01% | Not Applicable |
| 12 Month CD | $5,000.00 | 2.01% | Not Applicable |
| 12 Month CD | $10,000.00 | 2.01% | Not Applicable |
| 18 Month Bump CD | $500.00 | 1.86% | Not Applicable |
| 18 Month Bump CD | $5,000.00 | 1.86% | Not Applicable |
| 18 Month Bump CD | $10,000.00 | 1.86% | Not Applicable |
| 24 Month CD | $500.00 | 2.01% | 2.27% |
| 24 Month CD | $5,000.00 | 2.01% | 2.27% |
| 24 Month CD | $10,000.00 | 2.01% | 2.27% |
| 36 Month CD | $500.00 | 2.01% | 2.27% |
| 36 Month CD | $5,000.00 | 2.01% | 2.27% |
| 36 Month CD | $10,000.00 | 2.01% | 2.27% |
| 12 Month IRA/HSA CD | $2,000.00 | 3.04% | Not Applicable |
| 24 Month IRA/HSA CD | $2,000.00 | 2.27% | Not Applicable |
| 36 Month IRA/HSA CD | $2,000.00 | 2.27% | Not Applicable |
| 6 Month Child's CD | $100.00 | 3.04% | Not Applicable |
*APR=Annual Percentage Rate.
**APY= Annual Percentage Yield.