Rates & Fees

Rates

Checking Rates

Effective 9/30/17

 APR*APY**
Access Checking 0.00% 0.00%
Prime Access Checking 0.05% 0.05%
Opportunity Checking 0.00% 0.00%
Go Green Checking 1.00% 1.00%
Business Checking 0.00% 0.00%

Go Green Checking — some restrictions apply. Must be signed up and using services. Dividends are paid on the 1st of the month up to $50,000 balance.

Savings Rates

Effective 9/30/17

 APR*APY**
$0.01 to $9,999.99 0.01% 0.01% (Earned on the first $9,999.99)
$10,000 to $24,999.99 0.06% 0.06% (Earned on the next $14,999.99)
$25,000 and up 0.10% 0.10% (Earned on all over $24,999.99)

Money Market Savings Rates

Effective 9/30/17

 APR*APY**
$.01 to $2,499.99 0.00% 0.00%
$2,500 to $19,999.99 0.20% 0.20%
$20,000 and up 0.30% 0.30%

†Money Market rates are paid on a tiered level which means when your balance reaches the next level all funds are paid the higher rate.

CD Rates†‡

Effective 11/1/17

 APR*APY**
6 months 0.30% 0.303%
12 months 0.50% 0.501%
24 months 0.70% 0.702%
30 months 0.67% 0.672%
36 months 0.90% 0.903%
48 months 1.20% 1.205%
Your Call 48 Months 1.10% 1.104%
60 months 1.52% 1.529%
Your Call 60 Months 1.42% 1.427%

†Compounds quarterly

‡$1,000 minimum deposit is required to receive certificate rates.

Gather and Grow†‡

Effective 9/30/17

 APR*APY**
36 Months 0.65% 0.651%

†Compounds quarterly

‡$100 minimum deposit is required to receive certificate rates. Add $75.00 per quarter to earn bonus dividend of .50%

Home Mortgage Rates

Effective 10/2/17

AccountRateAPR*
15 Year Fixed Rate 4.50% As low as 4.50%
30 Year Fixed Rate 4.875% As low as 4.875%
5 Year ARM 4.35% As low as 4.35%
3 Year ARM 3.95% As low as 3.95%
1 Year ARM 3.60% As low as 3.60%

†The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. Not all borrowers will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit and property approval. Property insurance required.

HELOC Rates

Effective 10/2/17

AccountTermAPR*
Home Equity Line of Credit up to 10 years 5.00%

†The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. Not all borrowers will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit and property approval. Property insurance required.

Auto & Recreation Rates

Effective 10/2/17

AccountTermAPR*Conditions
New Auto up to 48 months As low as 2.49% up to $100,000
New Auto up to 84 months As low as 3.80% up to $100,000
Used Auto up to 72 months As low as 2.90% up to $100,000
Motorcycle RV and Boat†† up to 60 months As low as 5.25% up to $100,000

†The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. Not all borrowers will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit and property approval.

Personal Loan Rates

Effective 10/2/17

AccountTermAPR*Conditions
Personal Loan up to 36 months As low as 9.99% Creditworthiness

†The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. Not all borrowers will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit and property approval.

*APR = Annual Percentage Rate.

**APY = Annual Percentage Yield. As high as based on tier, term, or other factors.

The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. Not all borrowers will qualify for all rates. If you apply, your loan terms may vary based upon when you submit your application, the information you provide with your application, our underwriting criteria in effect at that time and your final loan amount and finance charges. All applications are subject to credit and property approval.

Rate reflects maximum available discounts. Contact a Membership Representative for rate discount qualifications.