interest rates

Rates

Rates Effective: October 05, 2026*
 
*Rates subject to change without notice.

 

Savings Rates

 

Share Savings

Balance APR* APY*
$100–$2,999.99 0.03% 0.03%
$3,000–$24,999.99 0.05% 0.05%
$25,000+ 0.09% 0.09%
Christmas Savers¹ 1.01% 1.01%
 
 

Money Market2

Balance APR* APY*
$500–$24,999 0.50% 0.50%
$25,000–$49,999 0.60% 0.60%
$50,000+ 1.25% 1.26%
 

Share Certificates3

Term APR* APY*
3 Months 4.00% 4.08%
6 Months 4.15% 4.24%
12 Months 4.30% 4.39%
24 Months 4.45% 4.55%
36 Months 4.60% 4.71%
 

IRA Rates4

Product APR* APY*
Share IRA 3.25% 3.30%
12-Month IRA 4.50% 4.60%
24-Month IRA 4.70% 4.81%
36-Month RIA 4.90% 5.02%
 

Checking

Account Type APY*
Premium Checking ($1,000+) 0.25%
Standard Checking 0.00%
 

Loan Rates

Loan Type APR*
New Auto 4.99%–16.99% APR
Used Auto 5.99%–17.74% APR
Signature Loans 9.90%–17.90% APR
New/Used Motorcycle 7.24%–16.24% APR
New/Used Boat 9.49%–13.49% APR
New/Used RV 6.99%–9.49% APR
Tuition Loans 6.90%–8.90% APR
Student Loans 6.90%–10.90% APR
Uniform Loans 5.90%–17.90% APR
Share Secured Loans 3.03%–3.09% APR
Credit Builder Loans 12.90% APR
Mortgage Loans Market Rates
Home Equity Line of Credit 7.00% APR (Variable)
Fixed-Rate Home Equity Loans 5.74%–9.24% APR
Member Business Lending Market Rates
 

Visa Credit Cards5

Card Type APR*
VISA Copper Cash Back 14.40%–16.40%
VISA Silver Low Rate 10.40%–15.40%
VISA Secured 16.40%
VISA Student 16.40%
 
Disclosures
*APR = Annual Percentage Rate. APY = Annual Percentage Yield. 
¹ Early withdrawal penalty may apply. Funds available October 1 annually. Dividends are compounded daily and paid quarterly.
² Minimum initial deposit $500. $15 per month fee if daily balance falls below $500. Dividends are compounded daily and paid quarterly.
³ Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.
⁴ The minimum initial deposit for Traditional and Roth IRA Certificates is $1,000, and for Educational IRA Certificates the minimum is $500. Dividends are compounded daily and paid quarterly.
⁵ APR = Annual Percentage Rate. APR varies with the market based on prime rate; some restrictions apply.