Deposit Rates

Dividend & Savings Rates
Effective Date: 03/01/2021
Account TypeBalanceRateAPY*
Club Accounts $1,000 minimum 0.05% 0.05%
Share (Everyday Savings) $25 required for members 21+
$5 for members under 21
0.05% 0.05%
Money Market $1,000 to 9,999 0.10% 0.10%
  $10,000 to 24,999 0.15% 0.15%
  $25,000+ 0.25% 0.25%
VIP Checking & Saver $0 to 24,999 1.00% 1.00%
$25,000+ 0.25% 0.25%
VIP Plus $0 to 24,999 1.49% 1.50%
  $25,000+ 0.25% 0.25%
*APY stands for Annual Percentage Yield. VIP rates are based on a blended structure. 0.05% APY applies if VIP qualifications are not met.

Certificates of Deposit (CDs)
TermRateAPY*
6 Month 0.25% 0.25%
1-Year 0.50% 0.50%
2-Year 0.75% 0.75%
3-Year 1.00% 1.00%
4-Year 1.24% 1.25%
5-Year 1.49% 1.50%
*Minimum balance required is $1,000.

Individual Retirement Account (IRA) Rates †
TermMinimum BalanceRateAPY*
Traditional IRA $250+ 0.75% 0.75%
2-Year Fixed IRA Certificate $250+ 0.75% 0.75%
† Early withdrawal from CDs and IRA accounts are subject to penalties.

Loan Rates

Loan Rates
Effective Date: 03/01/2021
Loan TypeAPRMaximum Terms Available
Auto Loans (New & Used) As Low As 2.75% Up to 84 Months
HELOCS Prime Up to 20-Years
Overdraft Protection As Low As 12.50% Open
Personal Loans As Low As 10.99% Up to 36 Months
Second Mortgages As Low As 2.50% Up to 15-Years
VISA Credit Cards As Low As 10.99% APR Open
**APR stands for Annual Percentage Rate. Rates are determined by member credit and subject to change with the market. Any loan with a term longer than 84 months (7-years) will have a call option. Prime refers to the Wall Street Journal Prime Interest Rate. The maximum Overdraft Line is $2,500.  Personal loans are unsecured. Auto rates eligible for discount with automatic payments.

Line of Credit
Lines of CreditAPR
Visa Platinum Credit Card As Low As 10.99%
Overdraft Protection 12.50%
Home Equity Lines of Credit Prime+2%**

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