Deposit Rates
Prospective Dividend Rates
The rates listed below are the current prospective quarterly dividend rates and are not guaranteed.
Effective Date: December 1, 2024
| Account Type | APY** |
|---|---|
| Membership Savings Account | 0.10% |
| Dividends are paid on balances over $100.00, excluding youth accounts. $5.00 minimum balance required for membership. No annual maintenance fees. Rates are subject to change at any time. | |
| Sub-Savings Accounts | 0.10% |
| No minimum balance required. No withdrawal penalties, minimum balances, or annual maintenance fees. Dividends are compounded quarterly and paid on balances over $100.00. Rates are subject to change at any time. | |
| Vacation Savings Account | 0.10% |
| No minimum balance required. No withdrawal penalties, minimum balances, or annual maintenance fees. Dividends are compounded quarterly and paid on balances over $100.00. Rates are subject to change at any time. | |
| Christmas Savings Account | 0.10% |
| Christmas Savings balances are transferred on November 1st of each year. Dividends are paid on balances over $100.00. No minimum balance required. No annual maintenance fees. Rates are subject to change at any time. | Premium Savings Account | 0.15% |
| No minimum balance required. No withdrawal penalties, minimum balances, or annual maintenance fees. Dividends are compounded quarterly and paid on balances over $1000.00. Rates are subject to change at any time. | |
Effective Date: December 1, 2024
| Account Type | APY** |
|---|---|
| Individual Retirement Account (IRA) Savings Account | 0.50% |
| No minimum balance or minimum deposit requirement. No annual maintenance fees. Earnings could be reduced by fees. Rates are subject to change without notice. This information is not intended to provide tax advice. See a competent tax advisor to help you determine which type of IRA best suits your needs. | |
Dividend Rates
Effective Date: December 1, 2024
| Account Type | APY** |
|---|---|
| Health Savings Account (HSA) | 0.40% |
| HSA eligibility required. No annual maintenance fees. Rates are subject to change at anytime. | |
Effective Date: December 1, 2024
| Account Type | APY** |
|---|---|
| $0 to $1,999.99 | 0.00% |
| $2,000 to $24,999 | 1.10% |
| $25,000 to $49,999 | 1.30% |
| $50,000 to $99,999 | 1.70% |
| $100,000 to $249,999.99 | 2.30% |
| $250,000 to $499,999.99 | 2.50% |
| $500,000 and up | 3.00% |
| $2,000.00 minimum balance required. Interest is compounded and credited monthly. No annual maintenance fees. Rates are subject to change at any time. | |
Effective Date: December 19, 2024
| Term | APY** $500 Minimum | APY** $10,000 Minimum |
|---|---|---|
| 03 months | 2.75% | 3.00% |
| 06 months | 3.50% | 4.00% |
| 12 months | 3.50% | 4.00% |
| 24 months | 3.25% | 3.50% |
| 36 months | 3.25% | 3.50% |
| 48 months | 3.25% | 3.50% |
| 60 months | 3.40% | 3.65% |
| Minimum Share Certificate Balance: $500. Interest is compounded monthly. Penalty for early withdrawal. Fees could reduce the earnings on account. For a complete list of potential fees associated with these accounts, click here. Rates are guaranteed for the specific term, based on the date of issue. Rates are subject to change without notice. This information is not intended to provide tax advice. See a competent tax advisor to help you determine which type of IRA best suits your needs. | ||
Loan Rates
Effective Date: October 2, 2024
| Loan Type | Term | APR* |
|---|---|---|
| New to 2017 | Up to 60 months | as low as 6.55% |
| New to 2017 | 61 to 66 Months | as low as 6.65% |
| New to 2017 | 67 to 72 months | as low as 6.95% |
| New to 2021 | 73 to 84 months | as low as 7.35% |
|
100% financing available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Salvage Titles - up to 75% financing. Loan Payment Example: The monthly payment per $1,000 borrowed at 6.55% APR for a term of 60 months would require 60 monthly payments of $19.59 based on 30 days to first payment. |
||
Effective Date: October 2, 2024
| Loan Type | Term | APR* |
|---|---|---|
| New to 2017 | 60 Months | as low as 8.75% |
| New to 2017 | 72 Months | as low as 9.55% |
|
100% financing available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. No cash out refinances. Loan Payment Example: The monthly payment per $1,000 borrowed at 8.75% APR for a term of 60 months would require 60 monthly payments of $20.64 based on 30 days to first payment. |
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Effective Date: October 2, 2024
| Loan Type | Term | APR* |
|---|---|---|
| New to 2017 | 36 Months | as low as 8.25% |
| New to 2017 | 60 Months | as low as 8.25% |
| New to 2017 | 72 Months | as low as 9.05% |
| New to 2017 | 84 Months | as low as 10.05% |
| New to 2017 | 120 Months | as low as 10.25% |
| New to 2017 | 144 Months | as low as 10.45% |
| New to 2017 | 180 Months | as low as 10.65% |
|
100% financing is available to qualified applicants. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. No cash out refinances. Loan Payment Example: The monthly payment per $1,000 borrowed at 8.25% APR for a term of 60 months would require 60 monthly payments of $20.40 based on 30 days to first payment. |
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Effective Date: December 2, 2024
| Loan Type/Details | APR* |
|---|---|
| 5-Year Fixed | as low as 6.75% APR |
| 7-Year Fixed | as low as 7.00% APR |
| 10-Year Fixed | as low as 7.25% APR |
| 15-Year Fixed | as low as 7.75% APR |
Effective Date: December 2, 2024
| Loan Type/Details | APR* |
|---|---|
| PRIME + 0% | 7.750% APR Variable |
| Based on Prime Rate with a floor of 3.00% and ceiling of 18.00%. Changes on the 1st of each month. Payments based on $1.75 per $100.00 borrowed at the time of each advance. Credit limits based on SEV or appraised value. | |
Effective Date: December 2, 2024
| Loan Type/Details | APR* |
|---|---|
| PRIME + 0% | 7.750% APR Variable |
| Based on Prime Rate with a floor of 3.00% and ceiling of 15.00%. Changes on the 1st of each month. Payments based on a 60 to 240 month tier, determined by the line of credit amount and outstanding balance at the time of each advance. | |
Effective Date: November 1, 2024
| Loan Type/Details | APR* |
|---|---|
| PRIME + 0% | 8.00% APR Variable |
| Changes quarterly on the 1st of Feb, May, Aug, and Nov. Based on Prime Rate with a floor of 3.00% and ceiling of 18.00%. | |
Effective Date: December 20, 2024
| Loan Type/Details | Note Rate | APR After Prepaids* |
|---|---|---|
| 15-Year Fixed | as low as 6.500% | as low as 6.658% APR |
| 20-Year Fixed | as low as 6.875% | as low as 7.072% APR |
| 30-Year Fixed | as low as 7.000% | as low as 7.153% APR |
| 5-Year Balloon | 30-Year Amortization | as low as 6.500% | as low as 6.740% APR |
| 10-Year Balloon | 30-Year Amortization | as low as 6.750% | as low as 6.898% APR |
| Vacant Land Loan | 5-Year Balloon | add 1% to current rate | |
| *Rates are subject to change without notice and are based on LTV ratios, credit scores, and other factors. APR is calculated based on a mortgage loan amount of $175,000.00; purchase or no cash-out refinance with 80% financing and 740 and higher credit score. No points. | ||
Effective Date: October 2, 2024
| Loan Type | Term | APR* |
|---|---|---|
| All Other Secured Loans | Up to 60 Months | as low as 10.80% |
| All Other Secured Loans | Over 60 Months | as low as 11.25% |
|
90% financing available to qualified applicants. Terms over 60 months available with Credit Committee approval. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. No cash out refinances. Loan Payment Example: The monthly payment per $1,000 borrowed at 10.80% APR for a term of 60 months would require 60 monthly payments of $21.64 based on 30 days to first payment. |
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Effective Date: October 2, 2024
| Term | Amount | APR* |
|---|---|---|
| 12 Months | up to $1,000.00 | as low as 14.75% |
| 24 Months | $1,001.00 to $3,000.00 | as low as 14.75% |
| 36 Months | $3,001.00 to $5,000.00 | as low as 14.75% |
| 48 Months | $5,001.00 to $7,500.00 | as low as 14.75% |
| 60 Months | $7,501.00 and up | as low as 14.75% |
|
Minimum payment is based on loan term. A higher rate or shorter term may apply if applicant does not qualify. Credit is subject to approval. Rates based on credit score. Rates, terms, and conditions are subject to change at any time. Loan Payment Example: The monthly payment per $1,000 borrowed at 14.75% APR for a term of 12 months would require 12 monthly payments of $90.14 based on 30 days to first payment. |
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Effective Date: October 2, 2024
| Loan Type | APR* |
|---|---|
| Easy Access Line of Credit | 11.50% APR |
| Share/Money Market Secured Loans | Prime Rate with floor of 5.00% APR |
| Certificate of Deposit Secured Loans | 1.00% above Certificate of Deposit rate - minimum of 5.00% APR |