RATES

Current Rates You Can Count On

Clear, competitive rates are a cornerstone of trusted financial services. Whether you’re planning to open a new savings account, apply for a loan, or explore mortgage options, knowing where you stand with rates helps you make confident decisions for your financial future.

Loan Rates

Auto Loan Rates

PlatinumPremierValuedBuilderRebuilder
750 - Above700-749650-699600-649599-Under
2020 - NEW
Up To 36 Months5.50% APR6.00% APR8.00% APR11.00% APR15.00% APR
48 Months5.75% APR6.25% APR8.25% APR11.25% APR15.25% APR
60 Months6.00% APR6.50% APR8.50% APR11.50% APR15.50% APR
72 Months (over $20,000)7.00% APR7.50% APR9.50% APR12.50% APR16.50% APR
84 Months (over $30,000)8.00% APR8.50% APR10.50% APR13.50% APR17.50% APR
2013 - 2019
Up To 36 Months7.50% APR8.00% APR10.00% APR13.00% APR17.00% APR
48 Months8.00% APR8.50% APR10.50% APR13.50% APR17.50% APR
60 Months8.50% APR9.00% APR11.00% APR14.00% APR18.00% APR
2010 and Older
Up To 36 Months9.75% APR10.25% APR12.25% APR15.25% APR18.00% APR
48 Months10.25% APR10.75% APR12.75% APR15.75% APR18.00% APR
Rates Effective as of: 7/16/2025

*Vehicles over 15 years old will have an unsecured rate.
**Newer vehicles over 100,000 miles with high retail value may qualify for the regular rate.

Recreational Vehicle Loan Rates

PlatinumPremierValuedBuilderRebuilder
750 - Above700-749650-699600-649599-Under
36 Months6.00% APR6.50% APR8.50% APR11.50% APR15.50% APR
48 Months6.50% APR7.00% APR9.00% APR12.00% APR16.00% APR
60 Months7.00% APR7.50% APR9.50% APR12.50% APR16.50% APR
72 Months: $20,000+8.25% APR8.75% APR10.75% APR13.75% APR17.75% APR
Rates Effective as of: 7/16/2025

*Vehicles over 15 years old will have an unsecured rate.
**Newer vehicles over 100,000 miles with high retail value may qualify for the regular rate.

First Mortgage/Construction Loan Rates

Mortgages
PlatinumPremierValued
750 & Above700-749650-699
Fixed Rate/5 yr balloon: 80% Appraisal or 100% Assessed6.00% APR6.50% APR7.00% APR
Fixed Rate: 10 Years6.25% APR6.50% APR7.00% APR
Rixed Rate: 15 Years6.50% APR6.75% APR7.25% APR
Rates Effective as of: 7/16/2025
Construction
PlatinumPremier
750 & Above700-749
Construction/Real Estate: 80% appraisal7.25% APR7.75% APR
Rates Effective as of: 7/16/2025

Home Equity Line of Credit Rates

PlatinumPremierValued
Credit Score >750 & Above700-749650-699
Terms
Fixed6.75% APR7.00% APR7.50% APR
Variable Prime Rate +0.50% APR1.00% APR1.50% APR
Rates Effective as of: 7/16/2025

Home Improvement Loan

PlatinumPremierValuedBuilderRebuilder
750 & Above700-749650-699600-649599 & Below
12 months10.50% APR11.00% APR13.00% APR15.50% APR18.00% APR
24 months11.00% APR11.50% APR13.50% APR15.50% APR18.00% APR
36 months11.50% APR12.00% APR14.00% APR16.00% APR18.00% APR
48 months12.00% APR12.50% APR14.50% APR
60 months12.50% APR13.00% APR
Rates Effective as of: 7/16/2025

Overdraft Line of Credit

PlatinumPremierValuedBuilderRebuilder
750 & Above700-749650-699600-649599 & Below
36 months9.75% APR10.00% APR12.00% APR15.00% APR18.00% APR
Rates Effective as of: 7/16/2025

Other Secured Rates

PlatinumPremierValuedBuilderRebuilder
750 & Above700-749650-699600-649599 & Below
Up To 36 Months6.50% APR7.00% APR9.00% APR12.00% APR18.00% APR
48 Months7.00% APR7.50% APR9.50% APR12.50% APR18.00% APR
60 Months7.50% APR8.00% APR10.00% APR13.00% APR18.00% APR
72 Months $25,000 +8.75% APR9.25% APR11.25% APR14.25% APR18.00% APR
Rates Effective as of: 7/16/2025

Shared Certificate Rates

Certificate Rates

Certificates $250 - $10,000.00
TermRateAPY*
3 Months3.25%3.29%
6 Month3.50%3.54%
12 Month3.00%3.03%
18 Month3.00%3.03%
24 Month3.00%3.03%
Effective as of March 18, 2025
Certificates $10,000.01 - $50,000.00
TermRateAPY*
3 Months3.50%3.54%
6 Month3.75%3.80%
12 Month3.25%3.29%
18 Month3.00%3.03%
24 Month3.00%3.03%
Effective as of March 18, 2025
Certificates $50,000.01 and Over
TermRateAPY*
3 Months3.50%3.54%
6 Month3.75%3.80%
12 Month3.50%3.54%
18 Month3.00%3.03%
24 Month3.00%3.03%
Effective as of March 18, 2025

Disclosures

* $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older. Rates are based on qualifications, and all rates shown are APY (Annual Percentage Yield), which are declared by the Board of Directors and are subject to change. A complete account disclosure is available upon request and will be provided at account opening.

Savers Certificate Rates

TermsRateAPY*
12 Months3.25%3.29%
Rates Declared January 28, 2025

Disclosures

* $100.00 minimum, 12-month term. Rates are based on qualifications, and all rates shown are APY (Annual Percentage Yield), which are declared by the Board of Directors and are subject to change. A complete account disclosure is available upon request and will be provided at account opening.

Dividend Share Rates

Share Savings

Dividend RatesAPY*Limits
0.50%0.50%$25.00 and over
Declared January 28, 2025

Disclosures

* Maximum contribution of $250.00 per month. Rates are based on qualifications, and all rates shown are APY (Annual Percentage Yield), which are declared by the Board of Directors and are subject to change. A complete account disclosure is available upon request and will be provided at account opening.

Share Draft

Dividend RatesAPY*Limits
0.10%0.10%Average daily balance over $100.00
Declared January 28, 2025

Disclosures

* Maximum contribution of $250.00 per month. Rates are based on qualifications, and all rates shown are APY (Annual Percentage Yield), which are declared by the Board of Directors and are subject to change. A complete account disclosure is available upon request and will be provided at account opening.

Money Market Savings

Dividend RatesAPY*Limits
0.50%0.50%$2,500 and over
Declared January 28, 2025

Disclosures

* Maximum contribution of $250.00 per month. Rates are based on qualifications, and all rates shown are APY (Annual Percentage Yield), which are declared by the Board of Directors and are subject to change. A complete account disclosure is available upon request and will be provided at account opening.

Share IRAs

Dividend RatesAPY*Limits
1.00%1.00%$25.00 and over
Declared January 28, 2025

Disclosures

* Maximum contribution of $250.00 per month. Rates are based on qualifications, and all rates shown are APY (Annual Percentage Yield), which are declared by the Board of Directors and are subject to change. A complete account disclosure is available upon request and will be provided at account opening.

Christmas Club Shares

Dividend RatesAPY*
0.75%0.75%
Declared January 28, 2025

Disclosures

* Maximum contribution of $250.00 per month. Rates are based on qualifications, and all rates shown are APY (Annual Percentage Yield), which are declared by the Board of Directors and are subject to change. A complete account disclosure is available upon request and will be provided at account opening.

Questions?

We welcome your questions about our rates. Please reach out if you need any support.