Rates

Savings

Interest rates are subject to change without notice. Your rate may change after the account is opened. Fees could reduce earnings. $2,000 minimum daily balance required to avoid low balance fee on Money Market Share Accounts.

Share/Savings Rates as of December 1, 2024
Account Type Minimum to Open Acct Rate Annual % Yield
Share Savings $25.00* 1.750% 1.77%
Share Draft $0.00* 0.000% 0.00%
Money Market Share <$2,000 0.500% 0.50%
$2,000-$9,999 0.550% 0.55%
$10,000-$24,999 0.650% 0.65%
$25,000-$49,999 0.750% 0.75%
$50,000-$99,999 0.800% 0.80%
$100,000+ 0.800% 0.80%
Christmas Club $0.00* 1.750% 1.77%
Do What You Want $0.00* 1.750% 1.77%

*minimum balance required to obtain APY

Loans

Variable Consumer Loan Rates as of December 1, 2024
Loan Product Rate
Secured (Car/Truck/SUV)* as low as…
– up to 48 months 4.50% APR
– 49-84** months 4.50% APR
Secured (Boat/Motorcycle/RV) as low as…
– up to 48 months 4.50% APR
– 49-84** months 4.75% APR
Signature (unsecured) as low as…
– up to 36 months ($500 min.) 9.75% APR
– 37-48 months ($5000 min.) 10.00% APR
– 49-60 months ($10,000 min.) 10.25% APR
Eliteline Line of Credit as low as…
11.75% APR
Platinum Mastercard as low as…
13.25% APR
Share Secured 3.75% APR

Min. APR for variable rate secured financing is 3.25% APR (except for promotions). Min. APR for variable rate unsecured financing is 6.00% (except for promotions); Min. APR for share secured financing is 2.00%. Max. APR for variable rate financing is 18%.

Secured Financing Examples:
Based on a simple interest rate of 3.25% for a $20,000 loan, this loan would have 48 monthly payments of $445.48 each at an annual percentage rate (APR) of 3.25%.
Based on a simple interest rate of 3.25% for a $25,000 loan, this loan would have 84** monthly payments of $333.60 each at an annual percentage rate (APR) of 3.25%
Unsecured Financing Examples:
Based on a simple interest rate of 5.50% for a $500 loan, this loan would have 36 monthly payments of $15.14 each at an annual percentage rate (APR) of 5.50%
Based on a simple interest rate of 5.75% for a $5,000 loan, this loan would have 48 monthly payments of $117.12 each at an annual percentage rate (APR) of 5.75%
Based on a simple interest rate of 6.00% for a $10,000 loan, this loan would have 60 monthly payments of $193.80 each at an annual percentage rate (APR) of 6.00%

Fixed Consumer Loan Rates as of December 1, 2024
Loan Product Rate
Secured (Car/Truck/SUV)* as low as…
– 0-24 months 5.50% APR
– 25-36 months 5.75% APR
– 37-48 months 6.00% APR
– 49-60 months 6.25% APR
– 61-84** months 6.50% APR
Secured (Boat/Motorcycle/RV) as low as…
– 0-24 months 5.75% APR
– 25-36 months 6.00% APR
– 37-48 months 6.25% APR
– 49-60 months 6.50% APR
– 61-84** months 6.75% APR
Signature (unsecured) as low as…
– up to 36 months ($500 min.) 10.75% APR
– 37-48 months ($5000 min.) 11.00% APR
– 49-60 months ($10,000 min.) 11.25% APR
PC Loan (max 36 mo. term) 9.50% APR

*Vehicles over 100,000 miles, add 2% (max. mileage 115,000); Vehicles over 10 years, add 2%.
**84-mo. term with vehicle loans of $25,000 or more.

Secured Financing Examples (Car/Truck/SUV)
Based on a simple interest rate of 3.50% for a $10,000 loan, this loan would have 24 monthly payments of $432.63 each at an annual percentage rate (APR) of 3.50%

Based on a simple interest rate of 3.75% for a $15,000 loan, this loan would have 36 monthly payments of $441.85 each at an annual percentage rate (APR) of 3.75%
Based on a simple interest rate of 4.00% for a $20,000 loan, this loan would have 48 monthly payments of $452.22 each at an annual percentage rate (APR) of 4.00%
Based on a simple interest rate of 4.25% for a $20,000 loan, this loan would have 60 monthly payments of $371.23 each at an annual percentage rate (APR) of 4.25%
Based on a simple interest rate of 4.50% for a $25,000 loan, this loan would have 84** monthly payments of $348.14 each at an annual percentage rate (APR) of 4.50%
Secured Financing Examples (Boat, Motorcycle/RV)
Based on a simple interest rate of 4.75% for a $10,000 loan, this loan would have 24 monthly payments of $438.42 each at an annual percentage rate (APR) of 4.75%

Based on a simple interest rate of 5.00% for a $15,000 loan, this loan would have 36 monthly payments of $450.45 each at an annual percentage rate (APR) of 5.00%
Based on a simple interest rate of 5.25% for a $20,000 loan, this loan would have 48 monthly payments of $463.82 each at an annual percentage rate (APR) of 5.25%
Based on a simple interest rate of 5.50% for a $20,000 loan, this loan would have 60 monthly payments of $382.87 each at an annual percentage rate (APR) of 5.50%
Based on a simple interest rate of 5.75% for a $25,000 loan, this loan would have 84** monthly payments of $363.07 each at an annual percentage rate (APR) of 5.75%
Unsecured Financing Examples:
Based on a simple interest rate of 11.25% for a $500 loan, this loan would have 36 monthly payments of $16.51 each at an annual percentage rate (APR) of 11.25%
Based on a simple interest rate of 11.50% for a $5,000 loan, this loan would have 48 monthly payments of $131.04 each at an annual percentage rate (APR) of 11.50%
Based on a simple interest rate of 11.75% for a $10,000 loan, this loan would have 60 monthly payments of $222.22 each at an annual percentage rate (APR) of 11.75%

“As low as” rates are the lowest possible rates for that category and are available to members with excellent credit. Your rate may be higher depending on your credit history. APR= Annual Percentage Rate. $0 down payment required.

Real Estate

Variable Rate Home Equity Line of Credit as of December 1, 2024
Loan Product Rate
Primary Residence or 2nd Home as low as …
up to 80% loan-to-value Prime Rate + 0.00%
81-90% loan-to-value Prime Rate + 1.00%
Investment Properties – up to 70% loan-to-value
first lien Prime Rate + 2.00%
second lien Prime Rate + 3.00%

Prime Rate is 7.75% as of Nov. 8, 2024

“As low as” rates are the lowest possible rates for that category and are available to members with excellent credit. Your rate may be higher depending on your credit history.

Fee Schedule

Effective Nov. 1, 2022, the following fees may be assessed against your account.

Fee Schedule
Fee Description Fee Amount
Account Printout $3/pg. ($10/mo. max)
Research Account $25/hr.
Automatic Overdraft Transfer $10.00
ATM/Debit Card Replacement $5.00
ATM Foreign Transactions $1.50
ATM/Debit Card Chargeback (case by case) $20.00
Attachment/Garnishment/Levy $100.00
Cashier’s Check $10.00
Change of Address (from Post Office) $5.00
Closed Account Within 45 Days of Opening $25.00
Club Account Withdrawals Over 4/yr. $5.00
Collection Item Domestic $20.00
Collection Item Foreign $40.00
Copy of Share Draft $5.00
Deposit Returned Item $10.00
Outstanding Deposited Item Returned $10/item/mo.
Draft Printing Depends on Style
Foreign Checks $20.00
Money Market Low Balance $15/occurrence
Money Orders $3.00
Notary Service for Non-Members $2.00
Overdraft of Account/NSF $35.00
Statement – Mailed $2.00
Stop Payment (all types) $35.00
Wire Transfers in/$15; out/$30
Dormant Account (2+years) $3.00/mo.
3rd Party Checks $10.00/item
Below Par (S1 balance below $25) $5.00/mo.
Negative Balance (after 3 days) $5.00/day
Escheat $75.00
Items Exceeding 500/mo.* $0.30 ea.
Cash Deposits/Withdrawals Exceeding $10,000/mo.* 0.11%
Account Sweep* $10.00
ACH Debit per Transaction* $0.10
ACH Credit per Transaction* $0.10
ACH Returns & NOCs* $5.00

*applies to business accounts only

Safe Deposit Boxes

Safe Deposit Boxes
Size/Fee Description Fee Amount
3x5x22 $30.00
3x10x22 $45.00
5x10x22 $55.00
10x10x22 $75.00
Drilling Charge at cost
Key Replacement $7.50 ea.
Pymt. 30 days past due $5.00