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APY = Annual Percentage Yield.  Rates effective as of November 1, 2023. All rate are subject to change at any time without notice. Fees may reduce earnings.

APR = Annual Percentage Rate. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.

Reward$ Checking Learn More

Balance Rate APY
0 - $20,000 2.96% 3.00%
$20,000+ 0.59% 0.60%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Reward$ account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases (minimum $5.00 per transaction)
  • Be enrolled in and agree to receive e-Statements
  • Be enrolled in and log into online banking

But if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Regular Savings Account Learn More

Balance Dividend Rate APY
$25 - $24,999 0.15% 0.15%
$25,000 - $74,999 0.30% 0.30%
$75,000+ 0.44% 0.45%

Money Market Account Learn More

Balance Dividend Rate APY
$2,000 - $24,999 0.39% 0.40%
$25,000 - $74,999 0.49% 0.50%
$75,000+ 0.59% 0.60%

Other Savings Accounts

Account Dividend Rate APY
IRA Shares 0.99% 1.00%
Christmas Club 0.44% 0.45%

Share Certificate/IRA Learn More

Term Minimum Balance Dividend Rate APY
6 Month $1,000 4.81% 4.95%
1 Year $1,000 4.65%

4.75%

2 Year $1,000 4.41% 4.50%
3 Year $1,000 3.50% 3.56%
4 Year $1,000 3.50% 3.56%
5 Year $1,000 3.50% 3.56%
 

Penalty for early withdrawal.

Mini-Jumbo Share Certificate/IRA Learn More

Term Minimum Balance Dividend Rate APY
6 Month $25,000 4.81% 4.95%
1 Year $25,000 4.65% 4.75%
2 Year $25,000 4.41% 4.50%
3 Year $25,000 3.60% 3.66%
4 Year $25,000 3.60% 3.66%
5 Year $25,000 3.60% 3.66%

Penalty for early withdrawal.

Jumbo Share Certificate/IRA Learn More

 

Term Minimum Balance Dividend Rate APY
6 Month $75,000 4.81% 4.95%
1 Year $75,000 4.65% 4.75%
2 Year $75,000 4.41% 4.50%
3 Year $75,000 3.75% 3.82%
4 Year $75,000 3.75% 3.82%
5 Year $75,000 3.75% 3.82%

Penalty for early withdrawal.

Vehicle/Secured Loans Learn More

Term A B C
Up to 36 months 6.25% 7.00% 8.75%
37 - 48 months 6.50% 7.25% 9.25%
49 - 72 months 6.75% 7.50% 9.50%
73 - 78 months 7.00% 7.75% 9.90%
79 - 84 months 7.50% 8.00% n/a

 

Term D E F
Up to 36 months 11.50% 15.25% 18.00%
37 - 48 months 11.75% 15.50% 18.00%
49 - 60 months 12.00% 15.75% 18.00%

 

Personal Loans Learn More

Term A B C D E
24 months 9.00% 11.50% 12.50% 14.50% 18.00%
36 months 10.00% 12.50% 13.50% 15.50% n/a
48 months 11.00% 13.50% 14.50% n/a n/a
Anytime Cash Line of Credit 15.00% 15.00% 15.00% 15.00% 15.00%

Credit Cards Learn More

Card APR
Platinum Visa 9.75%
Gold Visa 11.75%
Visa 13.75%