Rates
DEPOSIT RATES
Deposit rates effective July 9, 2025. All rates subject to change without notice.
Savings Rates
|
Account |
Dividend Rate |
APY (Annual Percentage Yield) |
|
Regular Savings Share Accounts |
0.10% |
0.10% |
|
IRA Share Accounts |
0.25% |
0.25% |
|
Checking Accounts |
.05% |
.05% |
APY (Annual Percentage Yield). Fees could reduce earnings. $25 minimum opening deposit for checking accounts; $5 minimum opening deposit for IRA Share Accounts.
Wellness Builder Savings Account
|
Dividend Rate |
APY(Annual Percentage Yield)* |
|
$5.00 to $19,999 |
3.75% |
|
$20,000 - $49,999 |
1.75% |
|
$50,000 or more |
Basic Share Rate |
* APY = Annual Percentage Yield. The APY is accurate as of July 5, 2025. Dividend rates and APY may change without notice. Only ONE Wellness Builder Savings Account per member. E-statements are required to open this share account. One (1) free withdrawal per month. Each additional withdrawal will be subject to a $25 excess withdrawal fee. See fee schedule.
Share Certificate Rates
|
Terms |
Dividend Rate |
APY |
Dividend Rate |
APY |
Dividend Rate |
APY |
Dividend Rate |
APY |
|
6 months |
3.50% |
3.56% |
3.55% |
3.61% |
4.00% |
4.07% |
4.25% |
4.33% |
|
12 months |
3.10% |
3.14% |
3.15% |
3.20% |
3.60% |
3.66% |
3.85% |
3.92% |
|
24 months |
3.25% |
3.30% |
3.30% |
3.35% |
3.75% |
3.82% |
4.00% |
4.07% |
|
36 months |
3.00% |
3.04% |
3.05% |
3.09% |
3.50% |
3.56% |
3.75% |
3.82% |
|
48 months |
3.00% |
3.04% |
3.05% |
3.09% |
3.50% |
3.56% |
3.75% |
3.82% |
|
60 months |
3.00% |
3.04% |
3.05% |
3.09% |
3.50% |
3.56% |
3.75% |
3.82% |
Offering rates may change. Minimum $500 deposit required for certificate accounts. Fees may reduce earnings. Penalties may apply for early withdrawals from certificate accounts.
IRA Certificate Rates
|
IRA Certificate Term |
Dividend Rate |
APY |
|
6 Months |
4.25% |
4.33% |
|
12 Months |
3.85% |
3.92% |
|
24 Months |
4.00% |
4.07% |
|
36 Months |
3.75% |
3.82% |
|
48 Months |
3.75% |
3.82% |
|
60 Months |
3.75% |
3.82% |
Minimum $500 deposit required for IRA certificate accounts. Fees may reduce earnings. Penalties may apply for early withdrawals from IRA certificate accounts.
LOAN RATES
Loan rates effective January 1, 2025. All rates subject to change without notice.
New or Used Vehicle Loans
|
Term |
APR1 (Annual Percentage Rate) |
Monthly Payment per $1,000 |
|
36 months |
5.75% |
$30.32 |
|
48 months |
6.00% |
$23.50 |
|
60 months |
6.25% |
$19.46 |
|
72 months |
6.75% |
$16.94 |
Credit Cards
|
Account |
Term |
APR |
|
Mastercard® Rewards World |
Open-end |
13.75% |
Secured Personal Loans
|
Account |
Term |
APR |
|
Share/TSA |
Up to 120 months |
5% above dividend rate |
|
|
|
|
Unsecured Personal Loans
|
Term |
APR1 (Annual Percentage Rate) |
Monthly Payment per $1,000 |
|
12 months |
8.75% |
$87.33 |
|
24 months |
9.25% |
$45.79 |
|
36 months |
10.75% |
$32.62 |
|
48 months |
11.25% |
$25.96 |
|
60 months |
13.25% |
$22.88 |
|
72 months |
14.75% |
$21.00 |
¹ Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.