Rates

Rates

Car & Truck Rates

New Auto (2021 & Newer)

Used Auto (2018 - 2020)

Used Auto (2017 & Older)

TermAPR* fromAPR* to
Up to 76 Months6.24%17.24%
Up to 84 Months*7.24%7.49%
TermAPR* from APR* to
Up to 60 Months6.74%17.24%
Up to 76 Months6.74%9.24%
TermAPR* fromAPR* to
Up to 48 Months6.99%17.24%
Up to 60 Months6.99%9.49%

Effective Date: 12/20/2024

*APR - Annual Percentage Rate. Minimum loan amount of $35,000 and credit score of 670+ applies to loans financed for 84 months.

Recreational Vehicles

Available Rates

TermAPR* from APR* to
Up to 60 Months 8.24%18.00%
61-76 Months 8.74%18.00%
77-120 Months 9.24%11.24%
121-180 Months 10.24%10.74%

Effective Date: 09/01/2023

*APR - Annual Percentage Rate. Minimum loan amount of $50,000 and credit score of 670+ required for financing terms of 121-180 months.

Personal Loans

Rates

TermAPR* fromAPR* to
Up to 60 Months10.99%18.00%

Effective Date: 02/01/2024

*Annual Percentage Rate.

Undergrad Student Loans

Fixed Rates

Variable Rates

TermAPR* fromAPR* to
Up to 10 Years4.75%10.75%
TermAPR* fromAPR* toFloor
Up to 25 Years4.50%11.00%3.75%

Effective Date: 10/01/2024

*APR - Annual Percentage Rate. For all Undergraduate Student Loans, rates/APRs are subject to change without notice. Final offered rate will be based on the overall credit profile of student and/or co-borrower. A .25% rate discount is available for electing automated payments. Variable rates/APRs adjust quarterly based on the Prime Rate as reported in the Wall Street Journal. Speak with a Loan Officer for full details.

Student Loan Refinance

Fixed Rates

Variable Rates

TermAPR* fromAPR* to
5-year4.50% 8.75%
10-year 5.75% 10.00%
15-year6.75%11.00%
TermAPR* fromAPR* to
5-year4.50%8.75%
10-year5.75%10.00%
15-year6.50%10.75%

Effective Date: 10/01/2024

*APR - Annual Percentage Rate. For all Refinance Student Loans, rates/APRs are subject to change without notice. Final offered rate will be based on the overall credit profile of graduate and/or co-borrower. A .25% rate discount is available for electing automated payments. Speak with a Loan Officer for full details. Fixed Rate Refinance Loans: Rates range 4.50% - 11.00% APR. Variable-Rate Refinance Loans: Variable rates range from Prime – 3.50% (currently 4.50%) to Prime + 2.75% (currently 10.75% APR). Variable rates/APRs adjust quarterly based on the Prime Rate as reported in the Wall Street Journal.

Visa Credit Cards

Rates

Card TypeAPR* fromAPR* to
Visa Platinum Rewards9.99%13.99%
Visa Credit Builder14.99%14.99%
Visa Student Platinum Rewards17.99%17.99%

Effective Date: 08/01/2023

*APR - Annual Percentage Rate. Rates vary based on card type and overall credit profile. Speak with a Loan Officer for full details.

Mortgage Rates

Purchase / Refinance Rates

Term Rate/APR fromPoints
30-Year Conventional 6.875% / 7.044 0.250
20-Year Conventional6.875% / 7.080%0.125
15-Year Conventional6.375% / 6.606%0
30-Year VA 6.750% / 6.913%0.375
15-Year VA6.250% / 6.654%1.250
30-Year FHA6.750% / 6.900%0.250
15-Year FHA6.250% / 6.634%1.125

Effective Date: 12/19/2024

Mortgage rates change on a daily basis. Your actual rate may be higher or lower depending on when you apply. In addition, you may elect to pay points to buy down to a lower rate. Speak with a Mortgage Officer for full details.

Home Equity Loan Rates

80% Max. LTV*

90% Max. LTV*

TermAPR* fromAPR* to
5-Year Fixed6.49% 7.99%
10-Year Fixed6.99%8.49%
15-Year Fixed7.49%8.99%
TermAPR* fromAPR* to
5-Year Fixed 7.99% 9.49%
10-Year Fixed 8.49%9.99%
15-Year Fixed 8.99% 10.49%

Effective Date: 10/01/2024

*APR - Annual Percentage Rate. Your actual Rate/APR may vary depending on financing term selected, loan-to-value ratio and overall creditworthiness. These rates/APRs are subject to change without notice.

HELOC Rates

80% Max. LTV*

90% Max. LTV**

Credit ScoreAPR*
Prime = 7.75%
720+ 7.75% (Prime Plus .00%)
670 - 719 8.00% (Prime Plus .25%)
640 - 669 8.50% (Prime Plus .75%)
600 - 639 9.00% (Prime Plus 1.25%)
Credit ScoreAPR**
Prime = 7.75%
720+ 8.75% (Prime Plus 1.00%)
670 - 719 9.00% (Prime Plus 1.25%)
640 - 669 9.75% (Prime Plus 2.00%)
600 - 639 10.25% (Prime Plus 2.50%)

Effective Date: 12/01/2024

*APR - Annual Percentage Rate. Your HELOC rate/APR may vary depending on financing term selected, loan-to-value ratio and overall creditworthiness. The HELOC rates/APR’s range from Prime +.50% (currently 8.25%) to Prime + 2.50% (currently 10.25% APR) and adjust monthly based on the Prime Rate as published in the Wall Street Journal. Rates/APRs are subject to change without notice. Speak with a Loan Officer for full details.

Personal Checking Rates

Elite Interest

50+ Interest

Balance APY*Rate
$0 - $1,499.99 .05% .05%
$1,500.00+ .15% .15%
BalanceAPY*Rate
All funds0.05%0.05%

Effective Date: 08/01/2023

*Annual Percentage Yield

HSA Checking Rates

HSA Checking Rates

BalanceAPY*Rate
$50.00 - $499.990.05%0.05%
$500.00 - $2,499.990.05%0.05%
$2,500.00 - $9,999.990.10%0.10%
$10,000.00 + 0.15%0.15%

Effective Date: 08/01/2023

*Annual Percentage Yield

Savings Account Rates

Savings Accounts

BalanceAPY*Rate
$50.00 +0.05%0.05%

Effective Date: 08/01/2023

*Annual Percentage Yield

Certificate Rates

Base Rates

TermAPY*Rate
3 mo.3.00%2.960%
6 mo.3.75%3.687%
9 mo.3.75%3.687%
1 yr.3.85%3.783%
18 mo.4.00%3.928%
2 yr.3.50%3.445%
30 mo.3.50%3.445%
3 yr.3.50%3.445%
4 yr.3.55%3.493%
5 yr.3.55%3.493%

Effective Date: 12/15/2023

*Annual Percentage Yield. $1,000 minimum to open.

Youth Savings

Youth Primary Savings

Y-12 Certificate*

BalanceAPY*Rate
$50.00 +0.05%0.05%
BalanceAPY*Rate
$250.00 - $1,000.005.00%4.888%

Effective Date: 08/01/2023

*Annual Percentage Yield. $250 minimum to open Y-12 certificate.

Secure Credit Builder Loan Rates

Credit Builder Loan Rates

Loan TermAPR*
Up to 60 Months3% above deposit rate of account used to secure the funds

Effective Date: 08/01/2023

*APR - Annual Percentage Rate. Secure Credit Builder Loans are funded by regular share/savings or certificates. The maximum term for a Secure Credit Builder Loan is 60 months. If secured by a certificate, the term of the loan cannot exceed the term/maturity of the certificate. Maximum loan amount for a Secure Credit Builder Loan is $75,000. Speak with a loan officer for full details.

Business Account Rates

Elite Business Checking

Business Savings

BalanceAPY*Rate
$0 - $4,999.990.05%0.05%
$5,000.00 +0.15%0.15%
BalanceAPY*Rate
$50.00 +0.05%0.05%

Effective Date: 08/01/2023

*Annual Percentage Yield

IRA Savings & Certificates

IRA Savings

Certificates

BalanceAPY*Rate
All funds0.10%0.10%
TermAPY*Rate
3 mo.3.00%2.960%
6 mo.3.75%3.687%
9 mo.3.75%3.687%
1 yr.3.85%3.783%
18 mo.4.00%3.928%
2 yr.3.50%3.445%
30 mo.3.50%3.445%
3 yr.3.50%3.445%
4 yr.3.55%3.493%
5 yr.3.55%3.493%

Effective Date: 09/23/2023

*Annual Percentage Yield. $1,000 minimum to open certificates.

Money Market

Base Rates

BalanceAPY*Rate
$2,000 - $9,999.992.05%2.03%
$10,000 - $24,999.992.10%2.08%
$25,000 - $49,999.992.15%2.13%
$50,000 - $99,999.992.20%2.18%
$100,000 +2.25%2.23%

Effective Date: 10/01/2024

*Annual Percentage Yield

Updated 1/4/2023

Important Legal Disclaimer

*APR – Annual Percentage Rate. APY – Annual Percentage Yield.