APY = Annual Percentage Yield. Rates effective as of March 1, 2024. All rate are subject to change at any time without notice. Fees may reduce earnings.
APR = Annual Percentage Rate. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Reward$ Checking Learn More
| Balance | Rate | APY |
|---|---|---|
| 0 - $20,000 | 2.96% | 3.00% |
| $20,000+ | 0.59% | 0.60% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Reward$ account during each Monthly Qualification Cycle:
- At least 1 direct deposit or ACH payment transaction
- At least 12 debit card purchases (minimum $5.00 per transaction)
- Be enrolled in and agree to receive e-Statements
- Be enrolled in and log into online banking
But if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
Regular Savings Account Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $25 - $24,999 | 0.15% | 0.15% |
| $25,000 - $74,999 | 0.30% | 0.30% |
| $75,000+ | 0.44% | 0.45% |
Money Market Account Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $2,000 - $24,999 | 0.39% | 0.40% |
| $25,000 - $74,999 | 0.49% | 0.50% |
| $75,000+ | 0.59% | 0.60% |
Other Savings Accounts
| Account | Dividend Rate | APY |
|---|---|---|
| IRA Shares | 0.99% | 1.00% |
| Christmas Club | 0.44% | 0.45% |
Share Certificate/IRA Learn More
| Term | Minimum Balance | Dividend Rate | APY |
| 6 Month | $1,000 | 4.60% | 4.70% |
| 1 Year | $1,000 | 4.41% |
4.50% |
| 2 Year | $1,000 | 4.17% | 4.25% |
| 3 Year | $1,000 | 3.50% | 3.56% |
| 4 Year | $1,000 | 3.50% | 3.56% |
| 5 Year | $1,000 | 3.50% | 3.56% |
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Promotional Certificate - No Longer Available Effective February 1, 2024 |
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Penalty for early withdrawal.
Mini-Jumbo Share Certificate/IRA Learn More
| Term | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| 6 Month | $25,000 | 4.70% | 4.80% |
| 1 Year | $25,000 | 4.51% | 4.60% |
| 2 Year | $25,000 | 4.27% | 4.35% |
| 3 Year | $25,000 | 3.60% | 3.66% |
| 4 Year | $25,000 | 3.60% | 3.66% |
| 5 Year | $25,000 | 3.60% | 3.66% |
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Promotional Certificate - No Longer Available Effective February 1, 2024 |
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Penalty for early withdrawal.
Jumbo Share Certificate/IRA Learn More
| Term | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| 6 Month | $75,000 | 4.84% | 4.95% |
| 1 Year | $75,000 | 4.65% | 4.75% |
| 2 Year | $75,000 | 4.41% | 4.50% |
| 3 Year | $75,000 | 3.75% | 3.82% |
| 4 Year | $75,000 | 3.75% | 3.82% |
| 5 Year | $75,000 | 3.75% | 3.82% |
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Promotional Certificate - No Longer Available Effective February 1, 2024 |
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Penalty for early withdrawal.
Vehicle/Secured Loans Learn More
| Term | A | B | C |
| Up to 36 months | 6.25% | 7.00% | 8.75% |
| 37 - 48 months | 6.50% | 7.25% | 9.25% |
| 49 - 72 months | 6.75% | 7.50% | 9.50% |
| 73 - 78 months | 7.00% | 7.75% | 9.90% |
| 79 - 84 months | 7.50% | 8.00% | n/a |
| Term | D | E | F |
| Up to 36 months | 11.50% | 15.25% | 18.00% |
| 37 - 48 months | 11.75% | 15.50% | 18.00% |
| 49 - 60 months | 12.00% | 15.75% | 18.00% |
Personal Loans Learn More
| Term | A | B | C | D | E |
|---|---|---|---|---|---|
| 24 months | 9.00% | 11.50% | 12.50% | 14.50% | 18.00% |
| 36 months | 10.00% | 12.50% | 13.50% | 15.50% | n/a |
| 48 months | 11.00% | 13.50% | 14.50% | n/a | n/a |
| Anytime Cash Line of Credit | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% |
Credit Cards Learn More
| Card | APR |
|---|---|
| Platinum Visa | 9.75% |
| Gold Visa | 11.75% |
| Visa | 13.75% |