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Rates

We like to keep it competitive. Whether you're interested in saving or earning, you'll find what you need here.

Loan Rates

Loans

	Term	APR^*
Auto	Varies	As low as 4.49%
New Recreational Vehicle	Varies	As low as 7.49%
Home Equity Line of Credit (variable)	Varies	As low as 6.25%
Certificate Pledge Credit union certificate of deposit used to fully secure the loan	Up to $250,000	Competitive Loan Rates
Share Loan Credit union savings account(s) used to fully secure the loan	Varies	As low as 3.00%
Signature Loan	Varies	As low as 11.00%
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Mastercard^® Credit Cards

	APR^*
Classic	13.90%
Platinum	9.90%
Personal Credit Cards Business Credit Cards

Dividend Rates

For the quarter ending 12/31/2025, month ending 02/28/2026. A lapsed date indicates that the rates and yield for the current Dividend Period have not been declared by the Board of Directors.

Savings Account

	Rate	APY^**
My Choice	0.05%	0.05%
Christmas Club	0.05%	0.05%
Primary Shares (Savings)	0.05%	0.05%

A balance of at least $100 must be maintained in account to earn dividends.

Individual Retirement Account (IRA)

Balance	Rate	APY^**
$100.00 +	0.05%	0.05%
Open an IRA

Interest Rates

Certificates of Deposit (Personal & Business)

Balance	6 Month APR^* / APY^**	12 Month APR^* / APY^**	24 Month APR^* / APY^**	36 Month APR^* / APY^**	48 Month APR^* / APY^**	60 Month APR^* / APY^**
$1,000.00 - $24,999.99	3.34% / 3.40%	3.34% / 3.40%	3.34% / 3.40%	3.34% / 3.40%	3.34% / 3.40%	3.34% / 3.40%





$25,000.00 - $49,999.99	3.44% / 3.50%	3.44% / 3.50%	3.44% / 3.50%	3.44% / 3.50%	3.44% / 3.50%	3.44% / 3.50%





$50,000.00 - $99,999.99	3.49% / 3.55%	3.49% / 3.55%	3.49% / 3.55%	3.49% / 3.55%	3.49% / 3.55%	3.49% / 3.55%





$100,000.00 +	3.54% / 3.60%	3.54% / 3.60%	3.54% / 3.60%	3.54% / 3.60%	3.54% / 3.60%	3.54% / 3.60%

Learn more about Business Certificates

The minimum amount required to open a Regular Certificate is $1000. IRA certificates available in these terms. Penalty may apply for early withdrawal. Rates effective 03/01/2026.

Money Market for Personal and Business

Balance	APR^* / APY^**
$2,500.00 - $49,999.99	2.37% / 2.40%
$50,000.00 - $99,999.99	2.62% / 2.65%
$100,000 - $249,999.99	2.86% / 2.90%
$250,000 - $499,999.99	3.10% / 3.15%
$500,000 +	3.34% / 3.40%
To open a money market account, visit one of our branch locations, launch a video banking call, give us a call or message us through online or mobile banking.

Learn more about Business Money Markets

Money Market (Premium Coverage)

Balance	APR^* / APY^**
$2,500.00 - $49,999.99	2.27% / 2.30%
$50,000.00 - $99,999.99	2.52% / 2.55%
$100,000 - $249,999.99	2.76% / 2.80%
$250,000 - $499,999.99	3.01% / 3.05%
$500,000 +	3.25% / 3.30%
To open a premium coverage money market account, visit one of our branch locations, launch a video banking call, give us a call or message us through online or mobile banking.

Learn more about Premium Coverage Money Markets

Share Draft

	Balance	APR^*	APY^**
High-Yield Checking
	Up to $7,500	4.88%	5.00%
	Over $7,500	0.05%	0.05%
	All balances if qualifications are not met	0.01%	0.01%
Growth Savings
	Up to $7,500	0.25%	0.25%
	Over $7,500	0.05%	0.05%
	All balances if qualifications are not met	0.01%	0.01%

If you do not meet the Rate/Reward Qualifications for High-Yield Checking and Growth savings, the interest rate paid on the entire balance will be 0.01% with an Annual Percentage Yield of 0.01%. If you meet the Rate/Reward Qualifications you will be paid the tiered rates. The interest rates and annual percentage yield may change every calendar month based on the determination of the Board of Directors.

^*APR = Annual Percentage Rate

^**APY = Annual Percentage Yield