Rates

Savings Options


Effective Date: 1/1/2026
Share Accounts Dividend Rate**

APY - Annual percentage yield
  .05% .05%

 

Special Share* Dividend Rate** APY
  .05% .05%

 

Select Share Dividend Rate** APY
$0 - $4,999 .0%  
$5,000 - $24,999 .30% .30%
$25,000 – $49,999 .50% .50%
$50,000 & Up .75% .75%

 

Holiday/Vacation Club Dividend Rate** APY
  .05% .05%

 

IRAs Dividend Rate** APY
.20% .20%

 

Share Certificates


Effective Date: 01/01/2026
Term Dividend Rate** APY
6 months 2.75% 2.78%
12 months 3.00% 3.03%
24 months 2.50% 2.52%
36 months 2.25% 2.27%

** Dividends are compounded daily and credited quarterly


Loan Options


Effective Date: 01/01/2026
Auto Loans Term APR
New 2024-Newer 60 months as low as 4.99%
New 2024-Newer 72 months as low as 5.49%
New 2024-Newer 84 months as low as 6.49%
     
Used 2023-2020 60 months as low as 5.49%
Used 2023-2020 72 months as low as 6.49%
Used 2019-2016 60 months as low as 6.74%
Used 2015-Older 48 months as low as 7.49%

 

Motorcycle, Jet Ski, ATV etc... Term APR
New 2024-Newer 60 months as low as 7.99%
Used 2023 & Older 48 months as low as 8.49%

 

Boats and RV Term APR
New 2024 & Newer 0-60 months as low as 6.99%
New 2024 & Newer 61-83 months as low as 7.49%
New 2024 & Newer 84-120 months as low as 8.49%
Used 2023 & older 0-60 months as low as 7.99%
Used 2023 & older 61-83 months as low as 8.49%
Used 2023 & older 84-120 months as low as 9.49%

 

Secured Term APR
  0-36 months Share Rate + 3%

 

Secured CD Term APR
  Match CD Rate CD Rate + 3%

 

Signature Loans Term APR
  36 months as low as 11.00%
  48 months as low as 12.00%

 

Visa Term APR
  N/A as low as 9.99

 

Home Equity Loans   APR
<= 80% Prime HELOC $5,000 Prime + 1%
> 80% Prime HELOC $5,000 Prime + 2%