Rates

Current Share Rates
Account Type
APY*
Account Type Regular Share Savings
APY* 0.30%
Account Type Youth Savings (up to $1,000)
APY* 4.00%
Account Type Checking
APY* 0.10%
Account Type Escrow
APY* 0.10%
Account Type IRA
APY* 0.35%
Account Type Specialty Share Savings (Christmas/Vacation)
APY* 0.30%
Account Type Super Saver ($10,000 - $24,999)
APY* 0.30%
Account Type Super Saver ($25,000 - 49,999)
APY* 0.40%
Account Type Super Saver ($50,000 - $99,999)
APY* 0.50%
Account Type Super Saver ($100,000+)
APY* 0.50%
*APY=Annual Percentage Yield. Rates effective as of 1/17/2017. All rates are subject to adjust without prior notice and may change after your account(s) is opened. $5 minimum deposit required for Share Accounts, except Super Saver and Certificates, where minimum to earn respective dividend per tier is noted above. Youth Savings available to members under the age of 21 years old and earns 4.00% APY up to $1,000 deposited; 0.30% APY for balances thereafter; at 21, Youth Savings converts to a Regular Share Savings account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificates and Super Saver accounts. Fees could reduce earnings on the account.
Current Share Certificate Rates
Share Certificate Terms - $1,000 Minimum
APY*
Share Certificate Terms - $1,000 Minimum 6 Month Certificate
APY* 0.45%
Share Certificate Terms - $1,000 Minimum 1 Year Certificate
APY* 0.60%
Share Certificate Terms - $1,000 Minimum 2 Year Certificate
APY* 1.20%
Share Certificate Terms - $1,000 Minimum 3 Year Certificate
APY* 1.36%
Share Certificate Terms - $1,000 Minimum 4 Year Certificate
APY* 1.51%
Share Certificate Terms - $1,000 Minimum 5 Year Certificate
APY* 2.17%
*APY=Annual Percentage Yield. Rates effective as of 1/23/2017. All rates are subject to adjust without prior notice and may change after your account(s) is opened. $5 minimum deposit required for Share Accounts, except Super Saver and Certificates, where minimum to earn respective dividend per tier is noted above. Youth Savings available to members under the age of 21 years old and earns 4.00% APY up to $1,000 deposited; 0.30% APY for balances thereafter; at 21, Youth Savings converts to a Regular Share Savings account. Charts assume that deposits remain in satisfactory standing for a full year. Penalty may apply for early withdrawals from Certificates and Super Saver accounts. Fees could reduce earnings on the account.
Loan Rates
Loan Type
Max. Term
APR As Low As*
Loan Type Passbook
Max. Term 60 months
APR As Low As* 3.30%
Loan Type Personal
Max. Term 60 months
APR As Low As* 9.74%
Loan Type New Car
Max. Term 60 months
APR As Low As* 1.49%
Loan Type New Car
Max. Term 72 months
APR As Low As* 1.95%
Loan Type New Car
Max. Term 84 months
APR As Low As* 2.19%
Loan Type Used Car
Max. Term 60 months
APR As Low As* 1.49%
Loan Type Used Car
Max. Term 72 months
APR As Low As* 1.95%
Loan Type Used Car
Max. Term 84 months
APR As Low As* 2.74%**
Loan Type Home Improvement
Max. Term 84 months
APR As Low As* 7.75%
Loan Type Vacation
Max. Term 12 months
APR As Low As* 11.00%
Loan Type Visa Introductory
Max. Term 6 months
APR As Low As* 1.99%
Loan Type Visa Regular
Max. Term N/A
APR As Low As* 9.25%
*APR=Annual Percentage Rate. Rates are effective as of 1/17/2017. Real estate loan rates are subject to change daily. All lending offers are subject to credit history review and approval. Applicants who are not approved for advertised rates may be offered credit at a higher rate and/or term. **84-month used auto stipulations: Minimum loan amount is $20,000 and cannot be more than 2 years older than the current year.
Real Estate Loan Rates
Loan Type
Max. Term
APR As Low As*
Loan Type Fixed Home Equity
Max. Term 60 months
APR As Low As* 3.250%
Loan Type Fixed Home Equity
Max. Term 120 months
APR As Low As* 4.000%
Loan Type Fixed Home Equity
Max. Term 180 months
APR As Low As* 5.000%
Loan Type Fixed Home Equity
Max. Term 240 months
APR As Low As* 5.250%
Loan Type Home Equity Line of Credit
Max. Term 12 month intro
APR As Low As* 0.990%
Loan Type Home Equity Line of Credit
Max. Term Thereafter
APR As Low As* 3.820%
*APR=Annual Percentage Rate. Rates are effective as of 2/13/2017. Real estate loan rates are subject to change daily. All lending offers are subject to credit history review and approval. Applicants who are not approved for advertised rates may be offered credit at a higher rate and/or term.
Mortgage Loans
Loan Type
Rate
APR*
Points
Loan Type 15-Year Fixed
Rate 3.500%
APR* 3.55%
Points 0.00%
Loan Type 30-Year Fixed
Rate 4.250%
APR* 4.25%
Points 0.00%
Loan Type 5/1 ARM
Rate 3.375%
APR* 3.62%
Points 0.00%
*APR=Annual Percentage Rate. Rates are effective as of 2/13/2017. Real estate loan rates are subject to change daily. All lending offers are subject to credit history review and approval. Applicants who are not approved for advertised rates may be offered credit at a higher rate and/or term.