interest rates

Rates

Rates Effective: June 1, 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
$0–$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 3.75% 3.82%
6 Months 3.65% 3.72%
12 Months 3.60% 3.67%
24 Months 3.50% 3.56%
36 Months 3.40% 3.46%
 

IRA Rates4

Product ARP APY
Share IRA 3.00% 3.05%
12-Month IRA 4.00% 4.08%
24-Month IRA 4.25% 4.34%
36-Month RIA 4.50% 4.60%
 

Checking

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

Loan Rates

Loan Type APR
New Auto 4.74%–16.99% APR
Used Auto 5.74%–17.74% APR
Signature Loans 9.90%–17.90% APR
New/Used Motorcycle 6.99%–16.99% APR
New/Used Boat 8.49%–12.49% APR
New/Used RV 5.99%–8.49% 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 6.75% APR (Variable)
Fixed-Rate Home Equity Loans 5.49%–8.49% APR
Member Business Lending Market Rates
 

Visa Credit Cards5

Card Type APR
VISA Copper Cash Back 12.15%–16.15%
VISA Silver Low Rate 10.15%–15.15%
VISA Secured 16.15%
VISA Student 16.15%
 
Disclosures
¹ Early withdrawal penalty may apply. Funds available October 1 annually.
² Minimum initial deposit $500. $15 per month fee if daily balance falls below $500.
³ Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply.
⁴ IRA minimums: $25 for Share IRA; $1,000 for Traditional/Roth; $500 for Educational IRA.
⁵ APR varies with the market based on prime rate; some restrictions apply.
APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Dividends are compounded daily and paid quarterly on March 31, June 30, September 30, and December 31.