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Share Rates

Rates effective August 3, 2026, at 7:30 am ET

Rates are subject to change.

Savings & Alternate Accounts
Account TypeDividend RateAPY**
Savings & Alternate Accounts* 0.15% 0.15%
* $5.00 minimum balance required to earn dividends. Rate is variable and subject to change after account is open. Fees may reduce earnings.
** APY = Annual Percentage Yield. APY assumes dividends remain in account.

Money Market
Account TypeRateAPY**
Money Market*
$500.00 - $99,999.99 1.49% 1.50%
$100,000.00 - $249,999.99 1.74% 1.75%
$250,000.00+ 2.23% 2.25%

* $500.00 minimum balance required to earn dividends. Rate is variable and subject to change after account is opened. Fees may reduce earnings. 
** APY = Annual Percentage Yield. APY assumes dividends remain in account.

Certificates
TermDividend RateAPY**
Regular & IRA (Traditional & Roth)*
3 months 3.59% 3.65%
6 months 3.74% 3.80%
12 months 3.93% 4.00%
18 months 3.98% 4.05%
24 months 4.03% 4.10%
30 months 3.45% 3.50%
36 months 3.45% 3.50%
48 months 3.45% 3.50%
60 months 3.45% 3.50%

* $500 minimum deposit required. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings
** APY = Annual Percentage Yield. APY assumes dividends remain in account.

Checking
Account TypeDividend RateAPY**
Checking* 0.01% 0.01%
* Rates is variable and subject to change after account is open. Fees may reduce earnings.
** APY = Annual Percentage Yield. APY assumes dividends remain in account.

IRA
Account TypeDividend RateAPY**
Traditional & Roth* 0.15% 0.15%
* Rate is variable and subject to change after account is open. $1.00 minimum balance required.
** APY = Annual Percentage Yield. APY assumes dividends remain in account.

Loan Rates

Rates effective August 3, 2026, at 7:30 am ET

Rates are subject to change.

Vehicles
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
New Auto
3 years 4.24% 4.24% $29.64
4 years 4.24% 4.24% $22.69
5 years 4.24% 4.24% $18.53
6 years 4.49% 4.49% $15.88
7 years 4.99% 4.99% $14.14
Used Auto**
2018-2026 model years
3 years (2017-2027) 4.24% 4.24% $29.64
4 years (2017-2027) 4.24% 4.24% $22.69
5 years (2017-2027) 4.24% 4.24% $18.53
6 years (2021-2027) 4.49% 4.49% $15.88
7 years (2023-2027) 4.99% 4.99% $14.14
Older Auto**
2006-2016 model years
Up to 5 years 6.99% 6.99% $19.81
New & Used Motorcycles**
2018-2027 model years - street legal 300cc minimum size motorcycles only
Up to 6 years 6.24% 6.24% $16.70
New Recreational Vehicle (RV)
 
5 years 5.99% 5.99% $19.34
10 years 6.24% 6.24% $11.23
15 years 6.49% 6.49% $8.71
Used Recreational Vehicle (RV)**
 
5 years (2017-2027) 5.99% 5.99% $19.34
10 years (2019-2027) 6.24% 6.24% $11.23
15 years (2019-2027) 6.49% 6.49% $8.71
* APR = Annual Percentage Rate.
** Term based on age of vehicle.

Purchase/First Mortgage
Name
For Loan Options, Rates, and Terms - visit our Purchase/First Mortgage Center

Refinance Mortgage
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
Refinance Mortgage
5 years** 5.75% 6.11% $19.22
5 years*** 5.25% 6.25% $18.99
10 years** 5.85% 6.04% $11.03
10 years*** 5.35% 5.88% $10.78
15 years** 5.85% 5.99% $8.36
15 years*** 5.35% 5.72% $8.09
20 years** 6.00% 6.11% $7.17
20 years*** 5.50% 5.79% $6.88
30 years** 6.25% 6.33% $6.16
30 years*** 5.75% 5.97% $5.84
* APR = Annual Percentage Rate.
** Refinance Mortgage APR based on $100,000 mortgage & includes $875 processing fee.

*** Refinance Mortgage APR based on $100,000 mortgage & includes $2,375 processing fee. 

Home Equity
Account TypeRateAPR*Pymt Based on $1,000 Borrowed on Rate
Variable Rate Home Equity Line of Credit
Prime rate minus 1/2%: floor of 4% & cap of 18% 6.25% 6.25% $12.00 with a minimum of $100 per month
Fixed Rate Home Equity
5 years 5.49% 5.49% $19.10
7 years 5.64% 5.64% $14.44
10 years 5.74% 5.74% $10.98
15 years 5.99% 5.99% $8.44
20 years 6.24% 6.24% $7.31
* APR = Annual Percentage Rate. Line of Credit rate is variable and subject to change after loan account is open.

Rental Real Estate
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
Rental Refinance Mortgage
5 years 6.25% 7.47% $19.45
10 years 6.35% 7.00% $11.28
15 years 6.35% 6.81% $8.63
Rental Fixed Rate Home Equity
5 years 6.49% 7.07% $19.57
10 years 6.74% 7.05% $11.48
15 years 6.99% 7.21% $8.99

* APR = Annual Percentage Rate.
Rental Refinance Mortgage APR based on $100,000 mortgage & includes $2875 processing fee.
Rental Fixed Rate Home Equity APR based on $100,000 mortgage & includes $1,375 processing fee. 

Secured & Unsecured
Account TypeRateAPR*Pymt Based on $1,000 Borrowed on Rate
Secured
Savings or Certificates, Non IRA Shares
Up to 5 years 4.50% 4.50% $18.65
Unsecured
2 years 9.99% 9.99% $46.16
5 years 10.99% 10.99% $21.75
* APR = Annual Percentage Rate.

Fast Cash/Overdraft Protection
Account TypeRateAPR*Minimum Payment
Fast Cash/Overdraft Protection*
variable prime rate plus 3%
Line of Credit 9.75% 9.75% Minimum payment of $15 or 3% of balance
* APR = Annual Percentage Rate. Rate is variable and subject to change after loan account is open.

Mastercard®
Card TypeRateAPR*Minimum Payment
Mastercard Plus 11.90% 11.90% Minimum payment of $15 or 3% of balance
* APR = Annual Percentage Rate.

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