Rates & Fees

Savings Account Rates

Daily Share/Club IRA Balance

TERM

APY*

Daily Share/Club IRA Balance

$100.00 to $2,499.99

0.10%

$2,500.00 to $39,999.99

0.30%

$40,000.00 to $99,999.99

0.40%

$100,000.00 and Up

0.50%

Club Accounts

All Balances

0.10%

Incentive Accounts

$0 to $1,000

5.00%

$1000 and Up

0.25%

Certificate & IRA

91 Days

2.50%

5 Months

4.00%

6 Months

4.00%

9 Months

3.90%

12 Months

3.75%

13 Months

3.75%

15 Months

3.50%

18 Months

3.50%

24 Months

3.50%

25 Months

3.50%

30 Months

2.50%

36 Months

2.75%

48 Months

3.00%

60 Months

3.25%

Preferred Money Market

$0 to $9,999.99

0.05%

$10,000.00 to $24,999.99

0.45%

$25,000.00 to $49,999.99

1.00%

$50,000.00 to $99,999.99

1.00%

$100,000.00 to $249,999.99

2.50%

$250,000+

2.50%

Loan Rates

Personal Loans

TYPE

TERM

APR*

PAYMENT

36 Months

As low as 9.75%

48 Months

As low as 10.75%

60 Months

As low as 12.75%

Secured Loans

TYPE

TERM

APY*

PAYMENT

Shared Secured

48 Months

4.50%

Monthly payment of $22.80 per $1,000.00 borrowed

CD Secured

Maturity Date of CD

2.00% over CD rate

Vehicle Loans

TYPE

TERM

APY*

PAYMENT

2023-2025

Up to 48 Months

As low as 4.90%

Monthly payment of $23.14 per $1,000.00 borrowed

49 - 63 Months

As low as 4.95%

Monthly payment of $18.31 per $1,000.00 borrowed

64-75 Months

As low as 5.25%

Monthly payment of $16.02 per $1,000.00 borrowed

76-84 Months

As low as 6.25%

Monthly payment of $15.04 per $1,000.00 borrowed

2021 – 2022

Up to 48 Months

As low as 5.00%

Monthly payment of $23.26 per $1,000.00 borrowed

49-63 Months

As low as 5.25%

Monthly payment of $18.43 per $1,000.00 borrowed

64-75 Months

As low as 6.00%

Monthly payment of $16.26 per $1,000.00 borrowed

76-84 Months

As low as 6.75%

Monthly payment of $15.09 per $1,000.00 borrowed

2019 - 2020

Up to 48 Months

As low as 5.75%

Monthly payment of $23.83 per $1,000.00 borrowed

49-63 Months

As low as 6.00%

Monthly payment of $19.01 per $1,000.00 borrowed

64-75 Months

As low as 6.75%

Monthly payment of $16.62 per $1,000.00 borrowed

2023-2025

Up to 48 Months

As low as 6.75%

Monthly payment of $24.30 per $1,000.00 borrowed

49-63 Months

As low as 7.00%

Monthly payment of $19.49 per $1,000.00 borrowed

Motorcycle/RV Loans/ATV’s

TYPE

TERM

APY*

PAYMENT

2022 - 2025

Up to 48 Months

As low as 5.50%

Monthly payment of $23.37 per $1,000.00 borrowed

49-63 Months

As low as 5.75%

Monthly payment of $18.54 per $1,000.00 borrowed

64-75 Months

As low as 6.00%

Monthly payment of $16.14 per $1,000.00 borrowed

76-84 Months

As low as 7.00%

Monthly payment of $15.22 per $1,000.00 borrowed

2018 - 2021

Up to 48 Months

As low as 6.75%

Monthly payment of $23.95 per $1,000.00 borrowed

49-63 Months

As low as 7.25%

Monthly payment of $19.25 per $1,000.00 borrowed

64-75 Months

As low as 7.75%

Monthly payment of $16.99 per $1,000.00 borrowed

76-84 Months

As low as 8.25%

Monthly payment of $15.84 per $1,000.00 borrowed

Boat + Personal Watercraft

TYPE

TERM

APY*

PAYMENT

2022 - 2025

Up to 48 Months

As low as 5.75%

Monthly payment of $23.37 per $1,000.00 borrowed

49-63 Months

As low as 6.00%

Monthly payment of $18.54 per $1,000.00 borrowed

64-75 Months

As low as 6.25%

Monthly payment of $16.14 per $1,000.00 borrowed

76-84 Months

As low as 7.25%

Monthly payment of $15.22 per $1,000.00 borrowed

2018 - 2021

Up to 48 Months

As low as 7.00%

Monthly payment of $23.95 per $1,000.00 borrowed

49-63 Months

As low as 7.50%

Monthly payment of $19.25 per $1,000.00 borrowed

64-75 Months

As low as 8.00%

Monthly payment of $16.99 per $1,000.00 borrowed

76-84 Months

As low as 8.50%

Monthly payment of $15.84 per $1,000.00 borrowed

Vehicle Loans 75-month financing requires a minimum loan amount of $15,000. 76-84-month financing requires a minimum loan amount of $25,000.
Rates and maximum loan terms available based on vehicle age and creditworthiness of borrower. 2012 or older require Loan Committee approval.
*APR = Annual Percentage Rate. Rates are based on creditworthiness.
*APR = Annual Percentage Rate. For open-ended advances, interest is charged from the date of advance. Rates are based on creditworthiness.
Motorcycle/RV/ATV Loans 75-month financing requires a minimum loan amount of $15,000. 76-84-month financing requires a minimum loan amount of $25,000.
Terms up to 120 months may be considered for Recreational Vehicles with Loan Amounts in Excess of $50,000.
*APR = Annual Percentage Rate. Rates are based on credit worthiness. Boat + Personal Watercraft

Checking Rates

Type

TERM

APY*

Engage Checking

Up to $15,000.00**

2.00%

$15,000.01 or More**

0.00%

When Monthly Qualifications Aren’t Met

0.00%

Everyday Checking

N/A

0.00%

Preferred Money Market***

$0 – $9,999.99

0.05%

$10,000.00 – $24,999.99

0.45%

$25,000.00 – $49,999.99

1.00%

$50,000.00 – $99,999.99

1.00%

$100,000.00 – $249,999.99

2.50%

$250,000 +

2.50%

** Terms and conditions apply
*** Certain Transaction limits apply

Credit Card Rates

TYPE

APR*

VISA Platinum Preferred

8.90%

VISA Platinum

12.90%

Student VISA

12.90%

Shared Secured VISA

12.90%

Rates are based on creditworthiness and card type.
‍Click Here For More Details on Credit Cards

Rates are current as of and are subject to change without notice.

*APY = Annual Percentage Yield.