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Rates

Investment Certificate

Term Minimum Balance* APY**
6 - Month $500 .30%
12 - Month $500 .40%
24 - Month $500 .45%
36 - Month $500 .55%
60 - Month $500 .70%

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Money Market

Minimum Balance† Term APY**
$0 - $9,999 N/A 0.10%
$10,000 - $24,999 N/A 0.25%
$25,000 - $49,999 N/A 0.35%
$50,000 - $99,999 N/A 0.35%
$100,000 - and over N/A 0.45%

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IRA CD

Term Minimum Balance* APY**
6 - Month $500 .30%
12 - Month $500 .40%
24 - Month $500 .45%
36 - Month $500 .55%
60 - Month $500 .70%

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Certificate/Money Market Disclosures

Rates effective as of October 1, 2020.
†A minimum initial deposit of $10,000 is required.
*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.
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 3.65% - 16.15%
64 - 75 3.89% - 9.25%
76 - 84 4.15% - 8.24%

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New/Used Motorcycle

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

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New Marine and Personal Watercraft

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

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Used Marine and Personal Watercraft

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

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New Quad

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

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Used Quad

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

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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%

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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%

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Auto Disclosures

Rates effective as of March 9, 2020.
*APR=Annual Percentage Rate. Rates reflect as a 0.25% discount for auto transfer payment. Rate will increase when Auto Transfer Payment is discontinued.

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

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Cash Back Checking

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

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Simply Checking

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

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Share Savings

Minimum Balance* Term APY**
$5+ N/A 0.10%

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Youth Savings

Minimum Balance* Term APY**
$5+ N/A 0.10%

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Select Savings

Minimum Balance* Term APY**
$0 N/A 0.10%

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IRA Savings

Minimum Balance* Term APY**
N/A N/A 0.35%

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Christmas Club

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

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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 7.90% - 8.90%
Visa Platinum 5.95% - 19.95%
Visa Platinum Points 7.90% - 14.90%

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

Personal Credit Line

Type APR*
Personal Credit Line 11.25% - 15.50%

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Other Disclosures

Rates effective as of March 16, 2020.
*APR=Annual Percentage Rate. Rates reflect as a 0.25% discount for auto transfer payment. Rate will increase when Auto Transfer Payment is discontinued.

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Branch Closure

Our Dobson and Elliot Branch is closed until further notice. Please visit our locations page to find your nearest branch or ATM.