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Rates

All of our rates in one convenient location.

Rates are effective June 1st, 2021 and are subject to change without advanced notice.

Savings Rates

Rates are effective September 1, 2022 and are subject to change without advanced notice.

Regular Shares (Savings), Holiday Shares and IRA Shares

Description Rate APY Minimum Amount
Regular Shares 0.05% 0.05% $25.00
Holiday Club Shares 0.05% 0.05% $25.00
IRA Shares 0.05% 0.05% $25.00
SMARTY Savings 0.50% 0.50% $5.00

All dividends are calculated daily and paid at month-end, effective the first day of each quarter. Holiday Shares may be withdrawn starting October 1st until January 31st of the following year. APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts.

Checking / Money Market Shares

Description Rate APY Minimum Amount
Success Checking 0.05% 0.05% $500+
Prosperity Checking 0.10% 0.10% $10,000+
Teen Checking 0.50% 0.50% $0.00
Money Market Shares I 0.15% 0.15% $1,000.00- 9,999.99
Money Market Shares II 0.15% 0.15% $10,000.00-24,999.99
Money Market Shares III 0.20% 0.20% $25,000-49,999,99
Money Market Shares IV 0.25% 0.25% $50,000 +

Money Market Requirements

  • Minimum Balance – Balance must be kept above $1,000.00 to maintain current money market rate. If the Money Market balance falls below $1,000.00, the rate will revert to the Regular Share Interest Rate.
  • Withdrawals – The Maximum withdrawal limit is three per month without a service charge. A withdrawal is considered any cash withdrawal, transfer of funds or issuance of a check either by telephone or in person.
  • Charges – A $10.00 fee will be incurred for any withdrawal over three. This charge will be posted at the end of each month.

APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts.

Regular Term Certificates

Description Rate APY Minimum Amount
3 Month Certificate 0.10% 0.10% $500.00
6 Month Certificate 0.449% 0.45% $500.00
6 Month Add-on Certificate 0.449% 0.45% $100.00
12 Month Certificate 0.499% 0.50% $500.00
18 Month Certificate 0.548% 0.55% $500.00
24 Month Certificate 0.598% 0.60% $500.00
24 Month Add-on Certificate 0.598% 0.60% $100.00
30 Month Certificate 0.648% 0.65% $500.00
36 Month Certificate 0.698% 0.70% $500.00
48 Month Certificate 0.797% 0.80% $500.00
60 Month Certificate 0.946% 0.95% $500.00

Rates are evaluated by the Board of Directors and are subject to change without notice. Dividends are compounded daily and credited monthly. Certificates are automatically renewed for another term upon maturity. Options for receiving dividends are available. All certificates are subject to early withdrawal penalties. Penalty for early withdrawal: Terms less than 12 months – 90 days dividends; 12 to less than 24 months – 180 days dividends; 24 to less than 48 months – 360 days dividends; 48 months or greater – 720 days dividends. APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts

Jumbo Term Certificates

Description Rate APY Minimum Amount
6 Month Certificate 0.598% 0.60% $50000.00
12 Month Certificate 0.648% 0.65% $50000.00
24 Month Certificate 0.747% 0.75% $50000.00
36 Month Certificate 0.846% 0.85% $50000.00
48 Month Certificate 0.946% 0.95% $50000.00
60 Month Certificate 1.094% 1.10% $50000.00

Rates are evaluated by the Board of Directors and are subject to change without notice. Dividends are compounded daily and credited monthly. Certificates are automatically renewed for another term upon maturity. Options for receiving dividends are available. All certificates are subject to early withdrawal penalties. Penalty for early withdrawal: Terms less than 12 months – 90 days dividends; 12 to less than 24 months – 180 days dividends; 24 to less than 48 months – 360 days dividends; 48 months or greater – 720 days dividends. APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts.

Traditional IRA and ROTH IRA Term Certificates

Description Rate APY Minimum Amount
12 Month Certificate 0.499% 0.50% $500.00
24 Month Certificate 0.598% 0.60% $500.00
36 Month Certificate 0.698% 0.70% $500.00
48 Month Certificate 0.797% 0.80% $500.00
60 Month Certificate 0.956% 0.95% $500.00

Certificates are automatically renewed for another term upon maturity. Options for receiving dividends are available. All certificates are subject to early withdrawal penalties. Penalty for early withdrawal: Terms less than 12 months – 90 days dividends; 12 to less than 24 months – 180 days dividends; 24 to less than 48 months – 360 days dividends; 48 months or greater – 720 days dividends. APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts.

Loan Rates

Rates are effective September 1, 2022 and are subject to change without advanced notice.

New and Used Automobile

Paper Credit Score Rate
A+ S3 800 & Higher 3.99%
A+ S2 780 - 799 3.99%
A+ S1 760 - 779 4.19%
A+ 740 - 759 4.49%
A 720 - 739 4.89%
B+ 700 - 719 5.64%
B 680 - 699 6.49%
C+ 660 - 679 8.99%
C 640 - 659 11.99%
D 600 - 639 12.99%
E < 600 18.00%

LTV over 100% Rate Add On: +0.50 up to 110% or +1.00 up to 120% (Credit Officer Approval). Less than 70% LTV Rate Discount: -0.25.  Term Rate Add On: 61-72 months +0.25  73-84 months +1.50. Term Rate Discount: 48 months or less -0.10. Model Year (2016 and Older) Add On: +0.50.

*LTV is NADA Adjusted Retail Book plus taxes, D & H, warranty & insurance for all tiers for used vehicles. New vehicles (current year models plus year before with less than 2,000 miles) are based on MSRP.

Also, Sight inspection required on Older Used (2016 and Older) Automobiles. Mileage over 100,000 will be reduced by 25% of the current retail value listed in NADA.

Classic and Exotic Autombile

Paper A+ Rate A Rate B Rate C Rate D Rate
Maximum LTVs 100% 100% 100% 80% N/A
as low as 4.49% 4.49% 5.99% 6.99% N/A

Paper B or higher will finance 100% of Retail Value. Paper C maximum of 80% of Retail Value.

New/Used Recreational Vehicles

Paper A+ Rate A Rate B Rate C Rate D Rate
Up to 120 Months 4.99% 5.25% 5.99% 9.99% N/A

Finance 90% of NADA Loan Value. 10% trade or cash down payment required. Recreational Vehicles ten (10) years and older, the maximum term up to 72 months.

New Motorcycle

Paper A+ Rate A Rate B Rate C Rate D Rate
Up to 60 Months 4.99% 5.49% 6.99% 10.49% N/A

Finance 90% NADA Loan Value. 10% trade or cash down payment required.

Used Motorcycle

Paper A+ Rate A Rate B Rate C Rate D Rate
Maximum LTV 90% 85% 80% 75% N/A
Up to 48 Months 5.99% 6.49% 7.49% 11.25% N/A

The interest rates are evaluated by the Board of Directors. Terms vary based on value and year of vehicle. All applications subject to member credit qualification.

Multi-Collateral Secured

Paper A+ Rate A Rate B Rate C Rate D Rate
as low as 6.49% 6.99% 7.99% 9.99% 11.99%

100% secured using NADA Retail Value on vehicles in the current NADA or Trade-in value on vehicles over seven (7) years.

Mixed-Collateral Partially Secured

Paper A+ Rate A Rate B Rate C Rate D Rate
as low as 8.49% 9.00% 10.00% 11.99% 16.99%
A & B Paper

Current NADA Retail Value and 2x gross monthly income.

C Paper

Current NADA Retail Value and 1.5x gross monthly income.

D Paper

Current NADA Retail Value and 1x gross monthly income.

Real Estate and Home Equity Closed End Loans Up To 20 Years

Paper Credit Score Rate LTV
A+ 760 & above 5.75% Up to 95%
A 740-759 6.25% Up to 95%
B+ 720-739 6.50% Up to 95%
B 700-719 7.00% Up to 95%
C+ 679-699 7.50% Up to 95%
C 600-678 8.00% Up to 95%
D 659 & below 8.25% Up to 75%

HELOC (Line of Credit)

Paper Credit Score Rate MARGIN LTV
A+ 760 & above PRIME 0.00% Up to 95%
A 740-759 PRIME +0.50% Up to 95%
B+ 720-739 PRIME +0.75% Up to 95%
B 700-719 PRIME +1.00% Up to 95%
C+ 679-699 PRIME +1.25% Up to 95%
C 600-678 PRIME +2.00% Up to 95%
D 659 & below PRIME +3.00% Up to 75%
  • Terms: 10 year draw period, up to 15 years to repay the balance.
  • Payments: 1% of outstanding principal balance with minimum payment of $100.00.
  • HELOC has a floor rate of 5.00% APR, and a ceiling rate of 18% APR
  • Current Prime Rate = 5.50% APR

Personal Advance

Paper A+ Rate A Rate B Rate C Rate D Rate
as low as 8.99% 9.49% 10.99% 12.99% 17.99%

Preferred LOC

Paper A+ Rate A Rate B Rate C Rate D Rate
7.99% 8.49% 9.99% 11.99% N/A

Credit Card Rates

Miscellaneous Loans

Loan Rate
Mastercard® Classic 14.90%
Mastercard® Platinum 8.90%
Share Overdraft/QuickFix 18.00%
Share Secured Share APR Rate + 3%
Share Certificate CD APR Rate + 3%

Maximum term on Shared Secured is 60 months.

Click here for Mastercard® Credit Card Disclosures.

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