Auto & RV
Business Rates
Credit Cards
First Choice Checking
Home Mortgage
IRA
Mission Savings Fund
Money Market
Personal Loans
Premier Share Certificate
Savings
Share Certificate

Auto Loan Rates

Term APR
Automobiles 48 Months 3.89%
60 Months 3.99%
72 Months 4.24%
84 Months 4.99%

Recreational Vehicle Rates

Term APR
Large RVs Up to 12 Years 6.00%
Small RVs Up to 7 years 5.75%

Business Jumbo Share Certificate Rates

Term Rate APY
6-11 Months 0.75% 0.75%
12-23 Months 1.73% 1.75%
24-35 Months 1.98% 2.00%
36-47 Months 2.23% 2.25%
48 - 59 Months 2.42% 2.45%
60 Months 2.66% 2.70%

Business Regular Share Certificate Rates

Term Rate APY
3-5 Months 0.25% 0.25%
6-11 Months 0.75% 0.75%
12-23 Months 1.73% 1.75%
24-35 Months 1.98% 2.00%
36-47 Months 2.23% 2.25%
48 - 59 Months 2.42% 2.45%
60 Months 2.66% 2.70%

Business Advantage Checking Account Rates

Rate APY
Business Advantage Checking 0.00% 0.00%

Business Savings Account Rates

Rate APY
Membership Savings ($30 minimum) 0.10% 0.10%
Special Savings 0.10% 0.10%

Business Money Market Jumbo Account Rates

Tier Rate APY
$0 - $99,999 0.05% 0.05%
$100,000 - $249,999 0.25% 0.25%
$250,000 - $499,999 0.25% 0.25%
$500,000 - $999,999 0.25% 0.25%
$1,000,000+ 0.25% 0.25%

Business Money Market Account Rates

Tier Rate APY
$0 - $2,499 0.05% 0.05%
$2,500 - $19,999 0.15% 0.15%
$20,000 - $99,999 0.25% 0.25%
$100,000+ 0.25% 0.25%

Credit Card Interest Rates

APR
Visa Platinum Credit Card As low as 8.9%
Visa Platinum Rewards Credit Card As low as 10.9%
Visa Platinum Business Credit Card As low as 10.9%
Visa Platinum Business Rewards Credit Card As low as 12.9%

First Choice Checking Interest Rates

$0-10,000 $10,000+
Rate APY Rate APY
Non Qualifying/Regular 0.00% 0.005% 0.005% 0.00%
Interest Account 0.995% 1.00% 0.10% 0.10%
Platinum Rewards Account 0.995% 1.00% 0.10% 0.10%
Platinum Account 1.982% 2.00% 0.10% 0.10%

Home Mortgage Conventional Rates

Term Rate APR
10 Year Fixed-Rate Conventional 4.250% 4.588%
15 Year Fixed-Rate Conventional 4.250% 4.485%
20 Year Fixed-Rate Conventional 4.625% 4.811%
30 Year Fixed-Rate Conventional 4.750% 4.887%

HELOC and 2nd Mortgage Rates

Term Rate APR
5 Year 2nd Mortgage 4.50% 4.50%
6 Year 2nd Mortgage 4.75% 4.75%
10 Year 2nd Mortgage 4.75% 4.75%
HELOC (10 Year Draw) 5.50% 5.50%
Lot Loan (3 year Balloon) 6.25% 6.25%
Construction Loan (12 months) 4.75% 4.75%

Home Mortgage Fixed and Balloon Rates

Term Rate APR
5 Year Fixed-Rate 3.75% 3.75%
6 Year Balloon (15 or 30 Year Amortization) 4.375% 4.375%
10 Year Fixed-Rate 4.0% 4.0%

IRA Regular Share Certificate Rates

$500 MINIMUM

Standard Rates Loyalty Rates
Rate APY Rate APY
3-5 Months 0.25% 0.25% 0.25% 0.25%
6-11 Months 0.75% 0.75% 1.24% 1.25%
12-23 Months 1.73% 1.75% 2.23% 2.25%
24-35 Months 1.98% 2.00% 2.47% 2.50%
36-47 Months 2.23% 2.25% 2.71% 2.75%
48-59 Months 2.42% 2.45% 2.91% 2.95%
60 Months 2.66% 2.70% 3.15% 3.20%

IRA Jumbo Share Certificate Rates

$75,000 MINIMUM

Standard Rates Loyalty Rates
Rate APY Rate APY
6-11 Months 0.75% 0.75% 1.24% 1.25%
12-23 Months 1.73% 1.75% 2.23% 2.25%
24-35 Months 1.98% 2.00% 2.47% 2.50%
36-47 Months 2.23% 2.25% 2.71% 2.75%
48-59 Months 2.42% 2.45% 2.91% 2.95%
60 Months 2.66% 2.70% 3.15% 3.20%

Mission Savings Fund Savings Rate

Rate APY
$0 - $15,000 3.79% 3.86%
$15,000 + 0.10% 0.10%

REGULAR MM

Standard Rates Loyalty Rates
Rate APY Rate APY
$0 - $2,499 0.05% 0.05% 0.10% 0.10%
$2,500 - $19,999 0.15% 0.15% 0.20% 0.20%
$20,000 - $99,999 0.25% 0.25% 0.30% 0.30%
$100,000 + 0.25% 0.25% 0.35% 0.35%

JUMBO MM

Standard Rates Loyalty Rates
Rate APY Rate APY
$0 - $99,999 0.05% 0.05% 0.10% 0.10%
$100,000 - $249,999 0.25% 0.25% 0.35% 0.35%
$250,000 - $499,999 0.25% 0.25% 0.35% 0.35%
$500,000 - $999,999 0.25% 0.25% 0.35% 0.35%
$1,000,000 + 0.25% 0.25% 0.35% 0.35%

Personal Loan Rates

Term APR
Personal Loans 24 Month Fixed Rate 7.80%
36 Month Fixed Rate 7.90%
48 Month Fixed Rate 8.90%
60 Month Fixed Rate 9.90%

Premier Share Certificate Rates

Rate APY
$0 - $999 1.90% 1.92%
$1,000 - $19,999 2.15% 2.17%
$20,000 - $49,999 2.39% 2.42%
$50,000 - $99,999 2.64% 2.67%
$100,000 + 2.88% 2.92%

Savings Account Rates

Rate APY
Membership Savings 0.10% 0.10%
Special Savings 0.10% 0.10%
IRA Savings 0.20% 0.20%

JUMBO Share Certificate Rates

$75,000 MINIMUM

Standard Rates Loyalty Rates
Rate APY Rate APY
3-5 Months N/A% N/A% N/A% N/A%
6-11 Months 0.75% 0.75% 1.24% 1.25%
12-23 Months 1.73% 1.75% 2.23% 2.25%
24-35 Months 1.98% 2.00% 2.47% 2.50%
36-47 Months 2.23% 2.25% 2.71% 2.75%
48-59 Months 2.42% 2.45% 2.91% 2.95%
60 Months 2.66% 2.70% 3.15% 3.20%

REGULAR Share Certificate Rates

$500 MINIMUM

Standard Rates Loyalty Rates
Rate APY Rate APY
3-5 Months 0.25% 0.25% 0.25% 0.25%
6-11 Months 0.75% 0.75% 1.24% 1.25%
12-23 Months 1.73% 1.75% 2.23% 2.25%
24-35 Months 1.98% 2.00% 2.47% 2.50%
36-47 Months 2.23% 2.25% 2.71% 2.75%
48-59 Months 2.42% 2.45% 2.91% 2.95%
60 Months 2.66% 2.70% 3.15% 3.20%

The annual percentage rates (APRs) listed above represent our best available rates.  Your individual rate may be higher depending upon your creditworthiness.  Membership and eligibility required.  Offer subject to change.  OAC.  Payment examples:

·         If you qualified for a 60 month term at 4.24% APR you would have 60 monthly payments of $18.53 per $1,000.00 borrowed.

·         If you qualified for an 84 month term at 5.24% APR you would have 84 monthly payments of $14.25 per $1,000.00 borrowed. 

·         If you qualified for a 144 month term at 8.50% APR you would have 144 monthly payments of $11.11 per $1,000 borrowed.

Rates quoted as annual percentage yield (APY).  The APY applies to balances beginning at $.01.  Fees could reduce earnings.  Rates subject to change after account opening. See how you can qualify for Loyalty Rates by clicking here. 

Rates quoted as annual percentage yield (APY).  The APY applies to balances beginning at $.01.  Fees could reduce earnings.  Rates subject to change after account opening.

Rates quoted as annual percentage yield (APY).  The APY applies to balances beginning at $.01.  Minimum balance to open the account and earn the advertised APY is $500.00.  Fees could reduce earnings.  A penalty may be imposed for early withdrawal.  Rates subject to change after account opening. See how you can qualify for Loyalty Rates by clicking here

The annual percentage rates (APRs) listed above represent our best available rates.  Your individual rate may be higher depending upon your creditworthiness.  Foreign transaction fees apply, 1% of purchase. Cash advance fees apply, 1.5% of advance.  Membership and eligibility required.  Offer subject to change.  OAC.

Rates quoted as annual percentage yield (APY).  The APY applies to balances beginning at $.01.  Fees could reduce earnings.  Rates subject to change after account opening.  In order to qualify for the advertised rates you must satisfy the following requirements each monthly qualification cycle:

1.       Have at least one payroll or retirement direct deposit transaction post and clear;

2.       Sign-up to receive E-Statements rather than paper;

3.       Provide us with a valid email address; and

4.       Use your debit or credit card, as applicable, to make at least 10 separate purchases (purchases must post and clear).

The annual percentage rates (APRs) listed above represent our best available rates.  Your individual rate may be higher depending upon your creditworthiness.  Payment examples listed below are illustrative only and do not include amounts for taxes and insurance premiums, thus, your actual payment obligation will be greater.  Up to 97% financing available.  OAC.  Offer subject to change.
Payment Examples:

·         30-year Fixed Payment Example-Monthly payments for a $180,000 loan and an interest rate of 6.00% (6.122% APR) would be $1079.19 for 360 months.

·         15-year Fixed Payment Example-Monthly payments for a $180,000 loan and an interest rate of 6.00% (6.204% APR) would be $1518.94 for 180 months.

·         10-year Fixed Payment Example-Monthly payments for a $180,000 loan and an interest rate of 6.00% (6.228% APR) would be $1998.37 for 120 months.

·         6-year Balloon Payment Example-Monthly payments for a $180,000 loan and an interest rate of 6.00% (6.00% APR) would be $1079.19 for 72 months. On month 73, the final payment will come due in the amount of $165,595.56.  Based on a 30 year amortization schedule.

**HELOC

This is a variable rate loan with rates as low as Prime Rate (shown above) plus .25 percent.  Your individual rate may be higher based upon your credit worthiness. Maximum interest rate over the life of the loan is 18% APR. A credit report fee, flood certification fee, and title fees, all required to open the plan, generally cost around $220.00 total.  Property insurance is required.  

Rates quoted as annual percentage yield (APY).  The APY applies to balances beginning at $.01.  Fees could reduce earnings.  Rates subject to change after account opening. See how you can qualify for Loyalty Rates by clicking here.

Not Currently Offered. The rate is published for existing account holders.

Rates quoted as annual percentage yield (APY). The APY applies to balances beginning at $.01. Fees could reduce earnings. Rates subject to change after account opening. Rates are dependent on the US 2-Year Treasury Note.

Rates quoted as annual percentage yield (APY).  The APY applies to balances beginning at $.01.  Fees could reduce earnings.  Rates subject to change after account opening. See how you can qualify for Loyalty Rates by clicking here. 

The annual percentage rates (APRs) listed above represent our best available rates.  Your individual rate may be higher depending upon your creditworthiness.  Payment examples listed below are illustrative only.  Offer subject to change.  OAC.

Payment Examples:

·         If you qualified for a 24 month term at 9.55% APR you would have 24 monthly payments of $45.94 per $1,000.00 borrowed

·         If you qualified for a 48 month term at 10.80% APR you would have 48 monthly payments of $25.75 per $1,000.00 borrowed.

 

This product is not currently offered. The rates are published for existing account holders.

Rates quoted as annual percentage yield (APY).  The APY applies to balances beginning at $.01.  Term varies depending on when the account is opened.  Fees could reduce earnings.  A penalty may be imposed for early withdrawal.  Rates subject to change after account opening.

Rates quoted as annual percentage yield (APY).  The APY applies to balances beginning at $.01.  Fees could reduce earnings.  Rates subject to change after account opening.

 

See how you can qualify for Loyalty Rates by clicking here

Rates quoted as annual percentage yield (APY).  The APY applies to balances beginning at $.01.  Minimum balance to open the account and earn the advertised APY is $500.00.  Fees could reduce earnings.  A penalty may be imposed for early withdrawal.  Rates subject to change after account opening. 

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