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Investment Certificate

Term Minimum Balance* APY**
6 - Month $500 .90%
12 - Month $500 1.00%
24 - Month $500 1.25%
36 - Month $500 1.40%
60 - Month $500 1.55%

Money Market

Minimum Balance Term APY**
$0 - $9,999 N/A 0.05%
$10,000 - $24,999 N/A 0.15%
$25,000 - $49,999 N/A 0.20%
$50,000 - $99,999 N/A 0.25%
$100,000 - and over N/A 0.30%

IRA CD

Term Minimum Balance* APY**
6 - Month $500 .40%
12 - Month $500 .55%
24 - Month $500 .65%
36 - Month $500 .75%
60 - Month $500 1.00%

Certificate/Money Market Disclosures

Rates effective as of June 18, 2022.
*A minimum $5 balance in Share Savings required to be eligible for Services.
**APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. A penalty may be imposed for early withdrawal. Fees could reduce earnings. Call 1(855) 878-9378 for terms and conditions.
Click here to view the most current dividend rate and investment certificate disclosures.
Click here to view the most current consumer fee schedule.

New/Used Auto

Terms (Months) APR*
49 - 63 4.74% - 16.90%
64 - 75 4.95% - 9.88%
76 - 84 5.05% - 8.38%

*Rates after 0.25% discount

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New/Used Motorcycle

Terms (Months) APR*
0 - 60 8.00% - 9.60%
61 - 72 8.50% - 10.10%

New Marine and Personal Watercraft

Terms (months) APR*
0 - 84 10.50% - 12.00%
85 - 120 8.00% - 10.75%

Used Marine and Personal Watercraft

Terms (months) APR*
0 - 84 11.00% - 12.50%
85 - 120 8.50% - 11.25%

New Quad

Term (months) APR*
0 - 60 8.50% - 14.50%

Used Quad

Term (months) APR*
0 - 60 8.50% - 15.00%

New Recreational Vehicle

Term (Months) APR*
0 - 60 9.24% - 10.00%
61 - 84 7.24% - 8.00%
85 - 144 4.49% - 5.00%
145 - 180 4.24% - 5.00%

Used Recreational Vehicle

Terms (Months) APR*
0 - 60 9.74% - 10.50%
61 - 84 7.74% - 8.50%
85 - 144 4.99% - 5.50%
145 - 180 4.74% - 5.50%

Auto Disclosures

*APR=Annual Percentage Rate. On approved credit and up to 16.90% financing on New/Used Auto purchases and refinances from another institution, for a maximum 84-month term, and includes a 0.25% discount for auto transfer payment (Auto Transfer Payment). Rate subject to increase if Auto Transfer Payment is discontinued. Monthly payments at 5.05% APR for an 84-month term are estimated at $14.16 per $1,000 borrowed. “New Auto” means the current and prior model year with less than 30,000 miles. “Used Auto” means the current and prior model year with 30,000 or more miles, and any earlier (older) model regardless of mileage. This offer may be valid for private party (person to person) purchases. Rates effective as of June 06, 2022.

High Yield Checking

Minimum Balance Term APY**
$0 - $10,000 N/A 3.00%
$10,000+ N/A 0.05%
$0 - No Max N/A 0.05%

When rewards checking requirements are met

Apply Now

Cash Back Checking

Minimum Balance* Term APY**
$0.00 N/A 0.05%

Simply Checking

Minimum Balance* Term APY**
$0.00 N/A 0.00%

Share Savings

Minimum Balance* Term APY**
$5+ N/A 0.05%

Youth Savings

Minimum Balance* Term APY**
$5+ N/A 0.05%

Select Savings

Minimum Balance* Term APY**
$0 N/A 0.05%

IRA Savings

Minimum Balance* Term APY**
N/A N/A 0.25%

Christmas Club

Minimum Balance* Term APY**
N/A N/A 0.15%

Choice

Minimum Balance* Term APY**
$0.00 N/A 0.05%

No longer available for new accounts

OTG Checking

Minimum Balance* Term APY**
$0.00 N/A 0.00%

No longer available for new accounts

Advantage 55

Minimum Balance* Term APY**
$0.00 N/A 0.05%

No longer available for new accounts

Savings/Checking Disclosures

Rates effective as of November 1, 2019
Click here to view the most current consumer fee schedule.
*A minimum $5 balance in Share Savings required to be eligible for Services.
**APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. Fees could reduce earnings. Call 1(855) 878-9378 for terms and conditions.

Credit Cards

Type APR*
Visa Signature 8.15% - 9.15%
Visa Platinum 6.20% - 20.20%
Visa Platinum Points 8.15% - 15.15%

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*APR = Annual Percentage Rate. Must be a TruWest member with a minimum deposit of $5 to qualify. Requires application and is subject to credit approval. The APR may vary. APR is based on the Prime Rate plus a “margin” and will vary with the market. The estimated standard variable purchase and balance transfer APR is between 6.20% and 20.20% depending on card type. Card type and APR determined by borrower’s credit score. Information is accurate as of 3/24/22. No Annual Fees. Balance transfer fee is 3% of each balance transfer. Cash advance fee is 4% of amount of each cash advance. Foreign fees: 0.8% of the amount of each transaction if there is no currency conversion; 1% of the amount of the transaction if there is a currency conversion. Cannot be combined with other offers. Offer, program, rates, terms, and conditions are subject to change. Visa® is a registered trademark of VISA U.S.A. Inc.

Credit Card Disclosures

Rates effective as of April 13, 2020.
New Accounts Only.
*APR=Annual Percentage Rate.


Personal Credit Line

Type APR*
Personal Credit Line 12.00% - 18.00%

Other Disclosures

Rates effective as of June 16, 2022.
*APR=Annual Percentage Rate. Rates reflect as a 0.25% discount for auto transfer payment. Rate will increase when Auto Transfer Payment is discontinued.

Independence Day

As a reminder our branches will be closed on Monday, July 4th in observance of Independence Day. We will be open our normal business hours on Saturday, July 2nd, and Tuesday, July 5th.