Rates
APY = Annual Percentage Yield. Rates effective as of 10/1/2026. Fees may reduce earnings.
Certificates of Deposit (Regular & IRAs)
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 6 Months | $500 | 1.00% | 1.00% |
| 12 Months | $500 | 1.15% | 1.16% |
| 24 Months | $500 | 1.65% | 1.66% |
| 24 Months | $10,000 | 1.75% | 1.76% |
| 24 Months | $50,000 | 2.00% | 2.02% |
| 36 Months | $500 | 2.30% | 2.32% |
| 36 Months | $10,000 | 2.40% | 2.43% |
| 36 Months | $50,000 | 2.65% | 2.68% |
| 48 Months | $500 | 2.90% | 2.94% |
| 48 Months | $10,000 | 3.00% | 3.04% |
| 48 Months | $50,000 | 3.25% | 3.30% |
| 60 Months | $500 | 3.40% | 3.45% |
| 60 Months | $10,000 | 3.50% | 3.56% |
| 60 Months | $50,000 | 3.75% | 3.82% |
A penalty will be imposed for any withdrawal of the principal balance prior to maturity.
APY shown is based on an assumption that interest will remain on deposit until maturity.
Regular Shares
| Tier | Rate | APY Annual Percentage Yield |
|---|---|---|
| Under $10 | 0.00% | 0.00% |
| $10 – $1,500 | 0.25% | 0.25% |
| Over $1,500 | 0.40% | 0.40% |
$10 minimum balance required.
Share Plus Money Market Account
| Tier | Rate | APY Annual Percentage Yield |
|---|---|---|
| Under $10,000 | 0.00% | 0.00% |
| $10,000 – $50,000 | 0.40% | 0.40% |
| $50,000 – $100,000 | 0.75% | 0.75% |
| $100,000 – $250,000 | 0.95% | 0.95% |
| Over $250,000 | 1.15% | 1.16% |
$10,000 minimum balance required
Non-Profit Services
| Product | Rate | APY Annual Percentage Yield |
|---|---|---|
| Savings | 1.00% | 1.01% |
| Share Draft | 0.50% | 0.50% |
| Money Market | Rate | APY Annual Percentage Yield |
|---|---|---|
| Under $25,000 | 0.00% | 0.00% |
| $25,000 – $75,000 | 1.25% | 1.26% |
| $75,000 – $250,000 | 1.50% | 1.51% |
| Over $250,000 | 1.75% | 1.76% |
$25,000 balance required to open Nonprofit Money Market
APR = Annual Percentage Rate. Rates shown are “as low as” and effective as of 10/1/2026
*Motorcycles, Boats, ATV’s, RVs, Farm Equipment
| Type | 24 Mos. | 36 Mos. | 48 Mos. | 60 Mos. | 72 Mos. | 84 Mos. | 120 Mos. |
|---|---|---|---|---|---|---|---|
| New | 4.88% | 4.93% | 5.07% | 5.20% | 5.67% | 6.59% | 7.06% |
| Used 4 yrs or newer | 5.39% | 5.43% | 5.83% | 5.95% | 6.42% | 6.84% | 7.32% |
| Used 5 yrs or older | 6.39% | 6.43% | 6.83% | 7.71% | n/a | n/a | n/a |
New = Current or previous model year that have never been titled
Minimum loan amount of $25,000 for 72 month term and $50,000 for over 72 months.
*Vehicle Loans
| Type | 24 Mos. | 36 Mos. | 48 Mos. | 60 Mos. | 72 Mos. | 84 Mos. |
|---|---|---|---|---|---|---|
| New | 4.42% | 4.47% | 4.67% | 4.89% | 5.12% | 6.10% |
| Used 4 yrs or newer | 4.79% | 4.87% | 5.03% | 5.48% | 5.94% | n/a |
| Used 5 to 7 yrs | 6.31% | 6.30% | 6.67% | 7.10% | 8.04% | n/a |
| Used over 7 yrs | 7.55% | 7.80% | 8.67% | n/a | n/a | n/a |
*APR = Annual Percentage Rate. Rates shown are for informational purposes only and are subject to change without notice. Your actual rate and APR may vary based on creditworthiness, loan term, collateral, and other underwriting criteria. Advertised APRs are based on representative loan amounts of $50,000 for new vehicles, $30,000 for vehicles 7 years old or newer, and $20,000 for vehicles older than 7 years. Actual payments will vary based on the amount financed, term, APR, and other applicable loan terms. All loans are subject to credit approval, and other rates and terms may apply.
Signature Loans
| Type | 24 Mos. | 36 Mos. | 48 Mos. | 60 Mos. |
|---|---|---|---|---|
| Up to $2,500 | 9.75% | n/a | n/a | n/a |
| $2,501 to $5,000 | 9.75% | 10.75% | n/a | n/a |
| $5,001 to $7,500 | 9.75% | 10.75% | 12.50% | n/a |
| $7,501 to $15,000 | 9.75% | 10.75% | 12.50% | 13.75% |
Other Loans
| Type | Terms |
|---|---|
| Share Secured | Current Dividend Rate + 2.00%; Floor Rate = 6.00% |
| Single-Pay 90-Day Note | 16.00% |