Rates

Savings Options


Effective Date: 10/01/2025
Share Accounts Dividend Rate**

APY - Annual percentage yield
  .05% .05%

 

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

 

Select Share Dividend Rate** APY
$0 - $24,999 .25% .25%
$25,000 – $49,999 .40% .40%
$50,000 & Up .60% .60%

 

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

 

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

 

Share Certificates


Effective Date: 01/01/2025
Term Dividend Rate** APY
6 months 2.50% 2.50%
12 months 3.00% 3.00%
24 months 2.25% 2.25%
36 months 2.00% 2.00%

** Dividends are compounded daily and credited quarterly


Loan Options


Effective Date: 01/01/2025
Auto Loans Term APR
New 2023-Newer 60 months as low as 5.49%
New 2023-Newer 72 months as low as 5.99%
New 2023-Newer 84 months as low as 6.99%
     
Used 2022-2019 60 months as low as 5.99%
Used 2022-2019 72 months as low as 6.99%
Used 2018-2015 60 months as low as 6.99%
Used 2014-Older 48 months as low as 7.99%

 

Motorcycle, Jet Ski, ATV etc... Term APR
New 2023-Newer 60 months as low as 7.99%
Used 2022 & Older 48 months as low as 8.49%

 

Boats and RV Term APR
New 2023 & Newer 0-60 months as low as 6.99%
New 2023 & Newer 61-83 months as low as 7.49%
New 2023 & Newer 84-120 months as low as 8.49%
Used 2022 & older 0-60 months as low as 7.99%
Used 2022 & older 61-83 months as low as 8.49%
Used 2022 & 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%