Rates

Rates effective February 1, 2024

Vehicle Loans

Type Who's it for? APR*
Car or Truck (new or used)

For anyone looking to finance their next ride.

4.24% to 15.99%

More Details ▾ Hide Details ▴
Loan/Term Comments APR*
New/Used Car or Truck - Up to 24 months Up to 135% of Car Value 4.24%
New/Used Car or Truck - Up to 36 months Up to 135% of Car Value 4.49%
New/Used Car or Truck - Up to 48 months Up to 135% of Car Value 5.74%
New/Used Car or Truck - Up to 60 months Up to 135% of Car Value (Minimum $15,000) 5.99%
New/Used Car or Truck - Up to 72 months Up to 135% of Car Value (Minimum $35,000) 6.49%
New/Used Car or Truck - Up to 84 months Up to 135% of Car Value (Minimum $45,000) 7.24%
Motorcycle

For those who love the freedom of the open road.

10.50%

Boats

Anyone who wants to be called captain.

10.50%

Recreational Vehicles

For families who want to see America.

10.50%

*Annual Percentage Rate varies depending on individual credit history, term length and percentage of purchase price. The rate displayed is the lowest rate and not all applicants qualify for the lowest rate. See description page for details.

Payment examples:
New/Used auto loan of $15,000 for 24 months at 4.24%% APR will have a monthly payment of $653.
New/Used auto loan of $15,000 for 36 months at 4.49% APR will have a monthly payment of $447.
New/Used auto loan of $15,000 for 48 months at 5.74% APR will have a monthly payment of $351.
New/Used auto loan of $15,000 for 60 months at 5.99% APR will have a monthly payment of $290.
New/Used auto loan of $35,000 for 72 months at 6.49% APR will have a monthly payment of $589.
New/Used auto loan of $45,000 for 84 months at 7.24% APR will have a monthly payment of $685.

Rates are subject to change and are based on individual's credit history and term of loan.

Credit Cards

Type Who's it for? APR*
Visa Classic

The basic card for those just starting out. No Annual Fee. Revolving.

15.00%

Visa Platinum

For those who love true convenience. No Annual Fee. Revolving.

12.00%

*Annual Percentage Rate varies depending upon individual credit history. The rate displayed is the lowest rate and not all applicants qualify for the lowest rate. See description page for details. Please see VISA credit card fees.

Payment example: VISA Platinum Credit Card balance of $5,000 at 12.00% APR will have a monthly payment of $50.
Payment example: VISA Classic Credit Card balance of $5,000 at 15.00% APR will have a monthly payment of $50.

Home Loans

Type Who's it for? APR*
Home Equity (fixed)

For anyone who wants to tap the equity in their home with a fixed rate and payment. 80% LTV, up to 180 months

9.25%

Home Equity (variable)

For those who want to keep their payments and options open with a revolving line of credit. 80% LTV, up to 240 months

6.25%

Home Improvement

For anyone looking to update their home for themselves or to put on the market. $15,000.00 maximum, up to 120 months.

11.00%

*Annual Percentage Rate varies depending on individual credit history, term length and percentage of purchase price. Variable rates may change. The rate displayed is the lowest rate and not all applicants qualify for the lowest rate. Lifetime maximum adjustment of 4.00%. Maximum interest rate is 18.00%. For loan amounts up to $250,000, closing costs that members must pay typically range between $150 and $1,200. Closing costs depend on the location of the property, property type and amount of the Equity Loan. See description page for details.

A sample Home Equity loan payment based on $100,000 at 7.25% (fixed) APR for 15 years is $871.
A sample Home Equity loan payment based on $10,000 at 4.25% (variable) APR for 5 years is $184.17.
A sample Home Improvement loan payment based on $10,000 at 9.00% APR for 5 years is $207.66.

Other Personal Loans

Type Who's it for? APR*
Fresh Start

For families who need a helping hand. Up to 12 months.

Max. unsecured Signature Loan Rate

Signature (fixed)

For anyone interested in a quick and easy loan. All personal loans that are approved in the amount of $2,999.00 or less will be granted at an 18.00% APR.

11.00%

Savings-Secured

For anyone who wants to borrow money against their share savings account. 100% of share balance up to 5 years.

3.00% Above Last Dividend

Line of Credit

For anyone who needs immediate access to funds. Minimum $500.00, open ended.

14.25%

*Annual Percentage Rate varies depending on individual credit history, term length and percentage of purchase price. The rate displayed is the lowest rate and not all applicants qualify for the lowest rate.

A personal loan payment based on $5,000 at 11.85% APR for 4 years will have a monthly payment of $131.33.
A fresh start loan payment based on $1,000 at 18.25% APR for 1 years will have a monthly payment of $91.80.
A savings secured loan payment based on $1,000 at 3.25% APR for 1 years will have a monthly payment of $84.81.

Checking Accounts

Type Who's it for? APY*
Earn Checking

For anyone interested in getting a return from their checking balance.

1.00% to 0.25%

More Details ▾ Hide Details ▴
Earn Checking Balance APY*
Up to $11,000 1.00%
Over $11,000.01 .25%

*Annual Percentage Yield varies depending on balance and transaction criteria. Fees may reduce earnings. See description page for details.

Savings Accounts

Type Who's it for? APY*
Standard Savings

For families who want to save for the future.

0.05%

Club Accounts

For anyone planning ahead to the holidays or summer vacation. Any Balance

0.05%

*Annual Percentage Yield varies depending on balance and transaction criteria. Fees may reduce earnings. See description page for details.

Certificates

Type Who's it for? APY*
Certificates

For those who want to earn more for their savings.

1.63% to 2.31%

More Details ▾ Hide Details ▴
Term Balance APY*
6 months $10,000 minimum Call for rate
1 year $1,000 - $9,999 2.01%
$10,000 - $49,999 2.11%
$50,000 - $99,999 2.21%
Over $100,000 2.31%
18 months $1,000 - $9,999 2.01%
$10,000 - $49,999 2.11%
$50,000 - $99,999 2.21%
Over $100,000 2.31%
2 years $1,000 - $9,999 1.76%
$10,000 - $49,999 1.86%
$50,000 - $99,000 1.96%
Over $100,000 2.06%
3 Years $1,000 - $9,999 1.63%
$10,000 - $49,999 1.73%
$50,000 - $99,999 1.83%
Over $100,000 1.93%
4 years $1,000 - $9,999 1.56%
$10,000 - $49,999 1.66%
$50,000 - $99,999 1.76%
Over $100,000 1.86%
5 years $1,000 - $9,999 1.56%
$10,000 - $49,999 1.73%
$50,000 - $99,999 1.83%
Over $100,000 1.93%

*Annual Percentage Yield varies depending on balance and transaction criteria. See the description page for details. Dividends for 6-month certificates are credited and compounded at maturity. Other certificate dividends are compounded and credited monthly. Fees may reduce earnings. There is a penalty for early withdrawal.

Individual Retirement Account (IRA) and IRA Certificates

Type Who's it for? APY*
IRA Certificates

For those planning ahead to retirement.

0.71 to 0.99%

More Details ▾ Hide Details ▴
IRAs (not tiered) Term APY*
6 months - $10,000 minimum Call for rate
1 year 2.01%
18 months 2.01%
2 years 1.76%
3 years 1.63%
4 years 1.56%
5 years 1.63%
IRAs

For those planning ahead to retirement outside their employer’s plan.

0.15% to 0.05%

More Details ▾ Hide Details ▴
IRAs Balance APY*
Over $20,000 0.15%
$2,500 - $19,999 0.10%
$1 - $2,499 0.05%

*Annual Percentage Yield varies depending on balance and transaction criteria. Fees may reduce earnings. See description page for details.

Insured Money Market Account

Type Who's it for? APY*
Insured Money Market Account

For those who want a higher return on their investment.

2.50% to 0.05%

More Details ▾ Hide Details ▴
Insured Money Market Account Balance APY*
Over $100,000 2.50%
$20,000 - $99,999 1.25%
$10,000 - $19,999 .25%
$2,500 - $9,999 0.05%
Premium Insured Money Market Account

For those who want more from their Money Market Account.

3.50% to 0.05%

More Details ▾ Hide Details ▴
Premium Insured Money Market Account Balance APY*
Over $100,000 3.50%
$50,000 - $99,999 2.50%
$25,000 - $49,999 1.50%
$0 - $24,999 0.05%

*Annual Percentage Yield varies depending on balance and transaction criteria. Fees may reduce earnings. See description page for details.

Interest Earning

Type Who's it for? APY*
Business Interest Checking

For business owners who want to earn interest on any balance.

0.05%

Business Savings

For entrepreneurs planning ahead. Any Balance.

0.05%

Insured Money Market Account

For those who want a higher return on their investment.

0.40% to 0.30%

More Details ▾ Hide Details ▴
Insured Money Market Account Balance APY*
Over $20,000 0.40%
$10,000 - $19,999 0.35%
$2,500 - $9,999 0.30%
Premium Business Insured Money Market Account

For those who want more from their Money Market Account.

0.40% to 0.05%

More Details ▾ Hide Details ▴
Premium Business Insured Money Market Account Balance APY*
Over $100,000 0.40%
$50,000 - $99,999 0.30%
$25,000 - $49,999 0.25%
$0 - $24,999 0.05%

*Annual Percentage Yield varies depending on balance and transaction criteria. Fees may reduce earnings. See description page for details.

Business Loans

Type Who's it for? APY*
Business Loans

For business owners who want to expand and grow their enterprise.

Varies

*Annual Percentage Rate varies depending on term length and percentage of purchase price. See description page for details.


APR represents Annual Percentage Rate.
APY represents Annual Percentage Yield.
The Prime Rate is currently 8.50%.

Call us (301) 925-4600

Monday-Friday 8:30am-4:30pm

or Contact Us online anytime