Loan Rates

Rates effective 1/15/2025

  • Auto Rates

    Description Term Description APR* As Low As
    New/Used 2025-2022 36 Months 4.74%
    48 Months 4.74%
    60 Months 4.74%
    72 Months 5.24%
    84 Months 5.74%
    *$60,000 Loan Minimum 96 Months* 6.24%
    2021-2020 36 Months 5.24%
    48 Months 5.24%
    60 Months 5.24%
    72 Months 5.74%
    84 Months 6.49%
    2019-2017 36 Months 5.74%
    48 Months 5.74%
    60 Months 5.74%
    2016-2014 36 Months 6.49%
    48 Months 7.24%
    2013 & Older 36 Months 8.49%

    * Rates include 0.25% deduction for direct deposit.
    ** Rates may be higher depending on credit score.
    *** Rates listed are APR — Annual Percentage Rates.

    Motorcycles, Waverunners, ATVs, and Snowmobiles — Add 1% to vehicle loans
    CLASSIC/ANTIQUE/VINTAGE CARS: Add .50% on our highest secured car rate for up to 60 months. Autos only and they are subject to inspection.

  • Description Term Description APR As Low As
    Fixed Rate 10 Year View today's 10-Year Fixed Rate.
    Fixed Rate 15 Year View today's 15-Year Fixed Rate.
    Fixed Rate 20 Year View today's 20-Year Fixed Rate.
    Fixed Rate 30 Year View today's 30-Year Fixed Rate.
    Other Loans And More View all mortgage loan types and rates.
  • Description Term Description APR As Low As
    HE — Fixed Rate 5 Year <70% LTV 6.75%
    HE — Fixed Rate 10 Year <70% LTV 7.00%
    HE — Fixed Rate 15 Year <70% LTV 7.50%
    HE — Fixed Rate 5 Year 71-90% LTV 7.00%
    HE — Fixed Rate 10 Year 71-90% LTV 7.25%
    HE — Fixed Rate 15 Year 71-90% LTV 7.50%
    Line of Credit 20 7.50% Variable - Adjusts Monthly %

    * Add 2.00% on Rentals
    ** APY on home equity loans equal quoted APR

  • Term Description APR As Low As
    24 Months 7.75%
    42 Months 8.75%
    60 Months 9.75%

    * Rates may be higher depending on credit score.
    ** Rates listed are APR — Annual Percentage Rates.

  • Description Term Description APR As Low As
    Personal Line of Credit 5 Years 9.00% Variable - Adjusts Monthly %

    *Rates posted are base rates and may be higher depending on your credit score.

  • Term Description APR as low as
    60 Months 5.50%
    72 Months 5.75%
    84 Months 6.00%
    96 Months 6.25%

    APR is Annual Percentage Rate. Rates posted are base rates and may be higher depending on your credit score.
    ALL RATES SUBJECT TO CHANGE AT DISCRETION OF BOARD OF DIRECTORS.

  • Description Term Description APR As Low As
    New 60 Months 6.24%
    120 Months 7.24%
    180 Months 8.24%
    2024–2017 60 Months 6.74%
    120 Months 7.74%
    180 Months 8.74%
    2016-2004 60 Months 7.74%
    120 Months 8.74%
    180 Months 9.74%

    * Rates may be higher depending on credit score.
    ** Rates listed are APR — Annual Percentage Rates.

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Dividend Rates

Rates effective 1/15/2025

  • Dividends posted monthly and are subject to change without notice.

    Account Type Minimum Maximum APR * APY **
    Tiered Share Rates $0.01 $5,000.00 0.05% 0.05%
    $5,000.01 $50,000.00 0.05% 0.05%
    $50,000.01 — 0.05% 0.05%

    * APR is Annual Percentage Rate
    ** APY is Annual Percentage Yield
    *** Dividends Posted Monthly

    ALL RATES SUBJECT TO CHANGE AT DISCRETION OF BOARD OF DIRECTORS.

  • Dividends posted monthly are subject to change without notice.

    Account Type Minimum Maximum APR * APY **
    7 Months $500.00 4.18% 4.25%

    * APR is Annual Percentage Rate
    ** APY is Annual Percentage Yield


    ALL RATES SUBJECT TO CHANGE AT DISCRETION OF BOARD OF DIRECTORS.

  • Dividends posted monthly and are subject to change without notice.

    Account Type Minimum Maximum APR * APY **
    3 Months 2.48% 2.50%
    6 Months 2.97% 3.00%
    6 Months $10,000.00 3.21% 3.25%
    12 Months 3.26% 3.30%
    18 Months 3.26% 3.30%
    24 Months 3.26% 3.30%
    36 Months 3.21% 3.25%
    48 Months 3.16% 3.20%
    60 Months 3.16% 3.20%

    * APR is Annual Percentage Rate
    ** APY is Annual Percentage Yield


    ALL RATES SUBJECT TO CHANGE AT DISCRETION OF BOARD OF DIRECTORS.

  • Dividends posted monthly and are subject to change without notice.

    Account Type APR * APY **
    HSA 1.25% 1.26%

    * APR is Annual Percentage Rate
    ** APY is Annual Percentage Yield
    *** Dividends Posted Monthly

  • Dividends posted monthly and are subject to change without notice.

    Account Type APR * APY **
    Special Savings Club 0.05% 0.05%
    Christmas Club 0.05% 0.05%

    * APR is Annual Percentage Rate
    ** APY is Annual Percentage Yield


    ALL RATES SUBJECT TO CHANGE AT DISCRETION OF BOARD OF DIRECTORS.

  • Dividends posted monthly and are subject to change without notice.

    Account Type APR * APY **
    IRA 1.25% 1.26%

    * APR is Annual Percentage Rate
    ** APY is Annual Percentage Yield


    ALL RATES SUBJECT TO CHANGE AT DISCRETION OF BOARD OF DIRECTORS.

  • Dividends posted monthly and are subject to change without notice.

    Minimum Maximum APR * APY **
    $2,500.00 $25,000.00 1.25% 1.26%
    $25,000.01 $50,000.00 1.50% 1.51%
    $50,000.01 $100,000.00 1.75% 1.76%
    $100,000.01 — 2.50% 2.53%

    * APR is Annual Percentage Rate
    ** APY is Annual Percentage Yield


    ALL RATES SUBJECT TO CHANGE AT DISCRETION OF BOARD OF DIRECTORS.

  • Dividends posted monthly and are subject to change without notice.

    Account Type Minimum Maximum APR * APY **
    Elite Checking Account $1,000.00 — 0.05% 0.05%
    Ultimate Checking $0.00 $15,000.00 4.0% 4.0%

    * APR is Annual Percentage Rate
    ** APY is Annual Percentage Yield
    *** Dividends Posted Monthly

    *Qualifications apply to earn dividends on Elite and Ultimate Checking Accounts. See details by visiting Ultimate Checking or Elite Checking.
    ALL RATES SUBJECT TO CHANGE AT DISCRETION OF BOARD OF DIRECTORS.

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