Rates

Rates accurate as of 02/01/2022. Rates are subject to change without notice.

View a complete list of rates and disclosure information.

30 Year Fixed
Rate
5.375%
APR
5.408%

20 Year Fixed
Rate
5.000%
APR
5.044%

5/1 ARM
Rate
2.990%
APR
4.167%

3/1 ARM
Rate
2.750%
APR
4.339%

New Vehicles/Motorcycles

0 - 36 Months
Min. APR
1.49%
Max. APR
8.99%

37 - 48 Months
Min. APR
2.39%
Max. APR
9.69%

49 - 60 Months
Min. APR
2.89%
Max. APR
9.79%

61 - 72 Months
Min. APR
3.09%
Max. APR
9.99%

73 - 84 Months
Min. APR
3.49%
Max. APR
9.99%

Used Vehicles/Motorcycles

Vehicles 2013 model year and newer. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate.

0 - 36 Months
Min. APR
1.99%
Max. APR
9.59%

37 - 48 Months
Min. APR
3.19%
Max. APR
10.79%

49 - 60 Months
Min. APR
3.39%
Max. APR
10.99%

61 - 72 Months
Min. APR
3.59%
Max. APR
11.29%

Used Vehicles/Motorcycles

Vehicles 2012 model year and older. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate.

0 - 24 Months
Min. APR
3.00%
Max. APR
16.25%

25 - 48 Months
Min. APR
4.00%
Max. APR
17.25%

49 - 60 Months
Min. APR
4.50%
Max. APR
6.00%

New RVs

Includes Motor Homes and Travel Trailers

0 - 48 Months
Min. APR
3.29%
Max. APR
8.79%

49 - 60 Months
Min. APR
3.79%
Max. APR
9.09%

61 - 72 Months
Min. APR
4.29%
Max. APR
9.39%

73 - 84 Months
Min. APR
4.79%
Max. APR
9.89%

85 - 120 Months
Min. APR
5.79%
Max. APR
10.89%

There are minimum loan amount requirements for terms of 61 months or greater. Please consult your loan officer.

Used RVs

Includes Motor Homes and Travel Trailers 2013 model year and newer. RVs with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate.

0 - 48 Months
Min. APR
3.49%
Max. APR
9.49%

49 - 60 Months
Min. APR
3.99%
Max. APR
9.49%

61 - 72 Months
Min. APR
4.49%
Max. APR
9.99%

Line of Credit
Min. APR
9.00%
Max. APR
15.25%

0 - 24 Months
Min. APR
11.50%
Max. APR
17.75%

25 - 48 Months
Min. APR
12.50%
Max. APR
18.00%

Mastercard Offerings

Maximum Credit Limit is $30,000. Aggregate Credit Limit Maximum is $30,000.

Rewards
Min. APR
8.24%
Max. APR
19.24%

Cash Back
Min. APR
9.24%
Max. APR
20.24%

Share Secure
Min. APR
9.24%
Max. APR
16.24%

World
Min. APR
12.24%
Max. APR
23.24%

Business
Min. APR
10.24%
Max. APR
21.24%

Fees may reduce earnings on your accounts.

Grow Checking Tier 2
15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly
APR
1.25%
APY
1.26%

$25,000.01 and Above
APR
0.00%
APY
0.00% to 1.26%

Grow Checking Tier 1
10 Debit Transaction Monthly
APR
0.35%
APY
0.35%

$25,000.01 and Above
0.00%
0.00% to 0.35%

Grow Checking Base Tier
Any balance, requirements not met
APR
0.00%
APY
0.00%

Rewards Checking
No Minimum Balance
APR
0.00%
APY
0.00%

Fees may reduce earnings on your accounts.

Savings
Minimum Balance of $5
APR
0.01%
APY
0.01%

Christmas Club
Automatic Deposit to Savings or Checking on Oct. 1
APR
0.01%
APY
0.01%

Club Account
Save for college, taxes, insurance, etc.
APR
0.01%
APY
0.01%

Vacation Club
No Minimum Balance
APR
0.01%
APY
0.01%

Health Savings Account
Minimum Balance of $5
APR
0.01%
APY
0.01%

Money Market

Balances of $100,000 and above
APR
0.30%
APY
0.30%

Balances of $50,000 – $99,999.99
APR
0.25%
APY
0.25%

Balances of $25,000 – $49,999.99
APR
0.15%
APY
0.15%

Balances of $1,000 – $24,999.99
APR
0.10%
APY
0.10%

Balances of $999.99 and under
APR
0.00%
APY
0.00%

IRA Account

Balances of $1,000 and above
APR
0.15%
APY
0.15%

Balances of $999.99 and under
APR
0.05%
APY
0.05%

Certificates

Minimum Balance of $500. Early withdrawal penalties may apply. Fees may reduce earnings on your accounts.

6 Months/182 Days
APR
0.20%
APR
0.20%

1 Year/12 Months
APR
0.30%
APR
0.30%

1.5 Years/18 Months
APR
0.35%
APR
0.35%

2 Years/24 Months
APR
0.45%
APR
0.45%

2.5 Years/30 Months
APR
0.50%
APR
0.50%

3 Years/36 Months
APR
0.55%
APR
0.55%

4 Years/48 Months
APR
0.65%
APR
0.65%

5 Years/60 Months
APR
0.85%
APR
0.85%

IRA Certificates

Minimum Balance of $1,000. Early withdrawal penalties may apply. Fees may reduce earnings on your accounts.

1 Year/12 Months
APR
0.30%
APR
0.30%

2 Years/24 Months
APR
0.45%
APR
0.45%

2.5 Years/30 Months
APR
0.50%
APR
0.50%

3 Years/36 Months
APR
0.55%
APR
0.55%

4 Years/48 Months
APR
0.65%
APR
0.65%

5 Years/60 Months
APR
0.85%
APR
0.85%

HSA Certificates

Minimum Balance of $1,000. Early withdrawal penalties may apply. Fees may reduce earnings on your accounts.

1 Year/12 Months
APR
0.30%
APR
0.30%

2 Years/24 Months
APR
0.45%
APR
0.45%

2.5 Years/30 Months
APR
0.50%
APR
0.50%

3 Years/36 Months
APR
0.55%
APR
0.55%

4 Years/48 Months
APR
0.65%
APR
0.65%

5 Years/60 Months
APR
0.85%
APR
0.85%

Business Checking

Fees may reduce earnings on your accounts.

Balances of $50,000 and above
0.40%
APR
0.40%

Balances of $25,000 - $49,999.99
0.25%
APR
0.25%

Balances of $2,500 - $24,999.99
0.15%
APR
0.15%

Balances up to $2,499.990
0.05%
APR
0.05%

Business Money Market

Fees may reduce earnings on your accounts.

Balances of $100,000 and above
0.30%
APR
0.30%

Balances of $50,000 - $99,999.99
0.25%
APR
0.25%

Balances of $25,000 - $49,999.99
0.15%
APR
0.15%

Balances of $1,000 - $24,999.99
0.10%
APR
0.10%

Business Certificates

Minimum balance of $500. Fees may reduce earnings on your accounts.

6 Months/182 Days
APR
0.20%
APY
0.20%

1 Year/12 Months
APR
0.30%
APY
0.30%

1.5 Years/18 Months
APR
0.35%
APY
0.35%

2 Years/24 Months
APR
0.45%
APY
0.45%

2.5 Years/30 Months
APR
0.50%
APY
0.50%

3 Years/36 Months
APR
0.55%
APY
0.55%

4 Years/48 Months
APR
0.65%
APY
0.65%

5 Years/60 Months
APR
0.85%
APY
0.85%

Fees

For our Senior Citizens age 55 and over who have a Direct Deposit of their primary source of income (Pension, Social Security, etc.), we offer FREE Printed Checks and Cashiers Checks.

Safe Deposit Box

Box Rental	Range from $12-$75/Year ⓘDepending on size
Key Replacement	$6.50/Key
Box Drilling	$85.13-$117.92

Bill Payer

Bill Payer Service	Free with eStatements ⓘ$6/month without eStatements
Stop Payment for Bill Payer Check	$20/Check
Check Copy for Bill Payer Check	$20/Check

Account Fees

Fees	Amount
NSF	$25/Item
Overdraft Privilege	$25/Item
Stop Payment	$20/Request
Cashiers Checks	$1/Check after 3 checks per month free
Check Printing	Prices vary depending on style
Overdraft Transfer	$5/Transfer
ATM Network Foreign ATM widthrawal inquiry*	$0.50
Debit/PIN Transaction	FREE
Inactivity	$5 per month if an account has no member financial activity in the preceding 12 months and the balance is $100 or less across all subshares.

*Transaction fee waived if eStatements utilized.

Wire Transfer Fees

An additional charge, up to $10 may apply if member-supplied information is incorrect.

Fees	Amount
Domestic Outgoing*	$25/Transfer $15/Transfer via online banking (Coming Soon)
International Outgoing**	$40/Transfer
Incoming Wire	FREE
Wire Trace Request or Return	$25

*An additional charge, up to $10, may apply if member-supplied information is incorrect.
**European Wire surcharges may apply and vary by institution receiving wire.

Health Savings Account Fees

Minimum Balance of $5

Fees	Amount
Opening Fee	$25
Annual Fee with eStatements	$25
Annual Fee without eStatements	$35

Other

Fees	Amount
Excessive Debit Card or PIN Replacement	$5/Request
Account Reconciliation	$10/Hour
Notary Public and Signature Guarantee	FREE
Personal Check Copy	$2/Check
Personal Copy	$0.10/Page
Personal Fax	$1/Page
Statement Copy	$1/Statement

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