Deposit Rates
| Share Account | Minimum Balance* | Annual Percentage Yield | Rate |
|---|---|---|---|
| Prime Share Account | $50.00* | 0.10% | 0.10% |
| VIP Checking | none | 0.05% | 0.05% |
| Escrow Accounts | $50.00* | 0.05% | 0.05% |
| IRA | $50.00* | 0.17% | 0.17% |
| Health Savings Acct | none | 0.10% | 0.10% |
*To obtain the disclosed annual percentage yield, a minimum balance must be maintained in each type of account. | |||
| Term | Annual Percentage Yield | Rate |
|---|---|---|
| 2,500 to 24,999 | 0.35% | 0.35% |
| 25,000 to 49,999 | 0.50% | 0.50% |
| 50,000 to 99,999 | 0.50% | 0.50% |
| 100,000 & $249,999 | 0.70% | 0.70% |
| $250,000 and above | 0.75% | 0.75% |
All rates and terms offered are subject to change without notice. | ||
| Term | Annual Percentage Yield | Rate |
|---|---|---|
| 11 Month Special | 3.56% | 3.50% |
| 18 Month Bump Up | 3.14% | 3.10% |
| 3 Months | 1.64% | 1.63% |
| 6 Months | 3.76% | 3.70% |
| 9 Months | 2.42% | 2.39% |
| 1 Year | 1.85% | 1.83% |
| 2 Year | 2.24% | 2.22% |
| 3 Year | 2.24% | 2.22% |
| 4 Year | 2.24% | 2.22% |
| 5 Year | 2.50% | 2.47% |
| Building 1 Year | 1.85% | 1.83% |
| Education 1 Year | 1.85% | 1.83% |
| 12 Month Youth | 2.15% | 2.13% |
| 12 Month Young Adult Building | 2.15% | 2.13% |
| Lucky Savers | 1.85% | 1.83% |
All rates and terms offered are subject to change without notice. A penalty will be assessed for premature withdrawal from share certificates. | ||
Loans
| Term | APR* |
|---|---|
| 1-3 years | As low as 9.74%* |
| 4-5 years | As low as 10.74%* |
*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans. All loan rates and terms offered are effective May 15, 2026 and are subject to change without notice. | |
| Term | APR* |
|---|---|
| 1-5 years | As low as 4.60%* |
| 6 years (over $15,000) | As low as 4.85%* |
| 7 years (over $25,000)*** | As low as 5.45%* |
*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans. | |
| Term | APR* |
|---|---|
| 1-5 years | As low as 4.95%* |
| 6 years (over $15,000) | As low as 5.15%* |
| 7 years (over $25,000)*** | As low as 5.75%* |
*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans. All loan rates and terms offered are effective May 15, 2026 and are subject to change without notice. | |
| Term | APR* |
|---|---|
| 1-6 years | As low as 7.49%* |
| 7-12 years (over $20,000) | As low as 8.49%* |
*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans. | |
| Term | APR* |
|---|---|
| 1-5 years | 2% Preferred APR* 7.90% |
| 1-5 years | 1% Preferred APR** 8.90% |
| 1-5 years | Non Preferred APR 9.90% |
| 6-15 years (over $7,500) | 2% Preferred APR* 8.90% |
| 6-15 years (over $7,500) | 1% Preferred APR** 9.90% |
| 6-15 years (over $7,500) | Non Preferred APR 10.90% |
*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans. | |
| Term | APR* |
|---|---|
| 1-3 years | As low as 5.99% |
| 4-5 years | As low as 6.24% |
| 6-7 years (over $15,000) | As low as 6.49% |
| 7 Year current rate & 1 year prior model only | As low as 6.49% |
*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans. | |
| Term | APR* |
|---|---|
| Up to 72 months | As low as 7.49%* |
| 84-122 months | As low as 7.24%* |
| 156-180 months | As low as 6.99%* |
| 192-240 months | As low as 6.74%* |
*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans. | |
| Term | APR* |
|---|---|
| Up to 72 months | As low as 7.99% |
| 84–122 months | As low as 7.74% |
| 156–180 months | As low as 7.49% |
| 192–240 months | As low as 7.24% |
*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans. | |
| Term | APR* |
|---|---|
| Variable | 7.50% |
*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans. | |
| Term | APR* |
|---|---|
| Open | 13.5% |
*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans. | |
| Name | Term | APR* |
|---|---|---|
| Mini Home Equity Loan | variable | 7.250% |
| Variable Equity Line of Credit | 5.74% | n/a |
| Fixed Home Equity Loan | 7.85% to 9.30% Fixed | New Loans* |
| Fixed Home Equity Loan | 6.99% to 7.125% Fixed | New Loans* 1st position** |
*The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans. | ||