Loan Rates
| Auto & Motorcycle Loans |
| Effective Date: Monday, May 11th, 2026 |
| Type | Term | APR* as low as |
| New Auto or Motorcycle |
up to 36 months |
4.49% |
| Used Auto or Motorcycle |
up to 36 months |
4.74% |
| New Auto or Motorcycle |
up to 48 months |
4.99% |
| Used Auto or Motorcycle |
up to 48 months |
5.24% |
| New Auto or Motorcycle |
up to 60 months |
5.99% |
| Used Auto or Motorcycle |
up to 60 months |
6.24% |
| New Auto or Motorcycle |
up to 72 months |
6.24% |
| Used Auto or Motorcycle |
up to 72 months |
6.49% |
| New Auto or Motorcycle |
up to 84 months |
6.49% |
| Used Auto or Motorcycle |
up to 84 months |
6.74% |
| Boats, RVs, Travel Trailers |
| Effective Date: Monday, May 11th, 2026 |
| Type | Term | APR* as low as |
| New or Used |
up to 84 months |
6.99% |
| New or Used |
up to 144 months |
7.49% |
| New or Used |
up to 180 months |
7.99% |
| ATV, Jet Ski, Misc. Specialty Vehicle |
| Effective Date: Monday, May 11th, 2026 |
| Type | Term | APR* as low as |
| New or Used |
up to 48 months |
7.24% |
| New or Used |
up to 72 months |
7.74% |
| Personal Loans |
| Effective Date: Monday, May 11th, 2026 |
| | Term | APR* as low as |
| Unsecured Loan |
up to 84 months |
9.99% |
| Share Secured Loans |
| Effective Date: Monday, May 11th, 2026 |
| | Term | APR* as low as |
| Share Secured |
up to 120 months |
Share rate + 3.75% |
| Certificate Secured |
Certificate Term |
CD rate + 3.75% |
| Credit Cards |
| Effective Date: Monday, May 11th, 2026 |
| Type | APR* as low as |
| Platinum Visa |
9.50% |
| Secured Visa |
13.90% |
*APR is Annual Percentage Rate.
Rates, terms, and conditions are subject to change without notice. Rates vary by individual credit history and term of loan. All rates discounts and/or promotional offers combined may not go below the current floor rate of 4.00% APR for consumer loans. For current rates and terms for specific loans, contact us. Loan applications with verification of income and Buyer's Orders may be submitted in person, by mail, or by fax to the appropriate office. See our Hours and Locations.
Share Rates
| Savings Accounts |
| Effective Date: 5/11/2026 |
| Type | Minimum Balance | Dividend Rate | APY* |
| Regular Share Savings |
$500 |
0.05% |
0.05% |
| Holiday and Vacation Club |
$500 |
0.15% |
0.15% |
| IRA Savings |
$0 |
0.15% |
0.15% |
| Money Market Savings |
$2,500 |
0.30% |
0.30% |
| Money Market Savings |
$10,000 |
0.50% |
0.50% |
| Money Market Savings |
$25,000 |
0.75% |
0.75% |
| Money Market Savings |
$75,000 |
0.85% |
0.85% |
| Certificate Rates |
| Effective Date: 5/11/2026 |
| Term | Minimum Balance | Dividend Rate | APY* |
| 6 Months |
$1,000 |
2.91% |
2.95% |
| 1 Year |
$1,000 |
3.35% |
3.40% |
| 2 Years |
$1,000 |
3.30% |
3.35% |
| 3 Years |
$1,000 |
3.30% |
3.35% |
| 4 Years |
$1,000 |
3.20% |
3.25% |
| 5 Years |
$1,000 |
3.20% |
3.25% |
| IRA Certificate Rates |
| Effective Date: 11/20/2025 |
| Term | Minimum Balance | Dividend Rate | APY* |
| 1 Year |
$1,000 |
3.35% |
3.40% |
| 2 Years |
$1,000 |
3.30% |
3.35% |
| 3 Years |
$1,000 |
3.30% |
3.35% |
| 4 Years |
$1,000 |
3.20% |
3.25% |
| 5 Years |
$1,000 |
3.20% |
3.25% |
| Checking Accounts |
| Effective Date: 5/11/2026 |
| Type | Minimum Balance | Dividend Rate | APY* |
| Lifeline Checking |
$0 |
0.00% |
0.00% |
| Pulse Checking |
$0 |
0.01% |
0.01% |
| Pulse Plus Checking (Balances up to $2,500)^ |
$0 |
6.00% |
6.00% |
| Pulse Plus Checking (Balances $2,500 & over)^ |
$0 |
0.01% |
0.01% |
*Annual Percentage Yield (APY) is accurate as of Effective Date.
^Average daily balance. APYs are accurate as of January 2026 and are subject to change at any time without notice. Dividends are paid monthly and are compounded and credited according to the account terms. Fees may reduce earnings. Minimum balance requirements, transaction qualifications, or other conditions may apply to earn the stated APY. Refer to the Account Agreement and Truth-in-Savings Disclosure for complete details. Pulse Plus Checking earns dividends based on tiered balances, with balances up to $2,500 earning an APY of up to 6.00% and balances above $2,500 earning an APY of 0.01%. The blended APY will vary depending on the account balance.
APY, terms, and conditions are subject to change without notice. Fees could reduce earnings on accounts. For current rates and terms for specific accounts, contact us. Dividends are paid from current income and available earnings. Dividends are compounded monthly and credited to your Regular Share, Holiday Club, Vacation Club, or Money Market Savings Account monthly. The monthly dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. The minimum balance column indicates the minimum balance required to earn stated APY. Accounts are insured up to $250,000 by the National Credit Union Administration.