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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 
$500-
$99,999

APY
$500-
$99,999

Dividend Rate
$100,000-
$249,999

APY
$100,000-
$249,999

Dividend Rate
$250,000-
$999,999

APY
$250,000-
$999,999

Dividend Rate
$1M+

APY 
$1M+

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.

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