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Rates

Auto Loan Rates

Effective Date: 10/17/2024

Model YearsAPR*
2024 – 2025As low as 4.50%1
2020 – 2023As low as 5.50%1
2016 – 2019As low as 6.00%1
2015 and olderAs low as 7.00%1

1Available for well qualified borrowers. 48 month term. Membership savings account required. Rates subject to change. Rates maybe higher based on credit score, vehicle year, and loan term.
*APR = Annual Percentage Rate

Personal Loans

Effective Date: 10/17/2024

TermAPR*
Unsecured Personal up to 2 yearsAs low as 9.00%2
Unsecured Personal up to 3 yearsAs low as 9.50%2
Unsecured Personal up to 4 yearsAs low as 10.0%2
Share Secured up to 5 years3.00% above share rate at time of loan
Share Certificate Secured3.00% above share certificate rate at time of loan
STAT Loan up to 1 year – no renewals18.00%

2Available for well qualified borrowers. 24month term. Membership savings account required. Rates subject to change. Rates may be higher based on credit score, vehicle year, and loan term.
*APR = Annual Percentage Rate

  • APR=Annual Percentage Rate. Your APR may differ based on your individual creditworthiness and could be higher than the stated rate. Please ask a loan officer for details on how your rate is determined.
  • Auto Loan Payment example: A 2020 auto financed for 5 years at 4/50% APR would have a payment of approximately $22.79 per $1,000 borrowed. Subject to credit approval.
  • Share secured loans are determined by adding the percentage rate listed to your current certificate/share rate.
  • Terms and Conditions are subject to change.

Share Dividend Rates

Effective Date: 10/25/2024

FromToRate
$ 0.01$ 24.990.00% APY
$25.00$4,999.990.25% APY
$5,000.00$49,999.990.35% APY
$ 50,000.00$ 99,999.990.40% APY
$ 100,000.00+–0.50% APY
  • Minimum deposit of $25.00 is required
  • APY = Annual Percentage Yield. Annual percentage yield assumes dividend remains on deposit. Withdrawals of dividends will reduce earnings.
  • Dividends will be compounded quarterly and will be credited quarterly.
  • Rates and other terms may change at any time without prior notice. Fees could reduce earnings on the account.
  • For additional information regarding the above accounts, please refer to the Fee Schedule and Truth in Savings Disclosure

Share Certificates

Effective Date: 10/25/2024

TermRate
6 months4.00% APY
12 months4.25% APY
18 months3.90% APY
24 months3.70% APY
30 months3.60% APY
36 months3.50% APY

APY = annual percentage yield. $1,000 minimum balance required. 90 day interest penalty for early withdrawal.

  • APY = Annual Percentage Yield. Annual percentage yield assumes dividend remains on deposit. Withdrawals of dividends will reduce earnings.
  • Dividends will be compounded quarterly and will be credited quarterly.
  • Rates and other terms may change at any time without prior notice. $1,000.00 minimum deposit is required to open Share Certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
  • If you close your share account before dividends are paid, you will not receive the accrued dividends.
  • For additional information regarding the above accounts, please refer to the Fee Schedule and Truth in Savings Disclosure