The Annual Percentage Yield is accurate as of October 1, 2025
Loans
Loans
| Loan Product |
Interest Rate |
APR |
Term |
| Share Secured Loans – 2% higher than the regular share rate |
|
|
144 |
| Certificate Secured Loans – 2% higher than the certificate rate |
|
|
144 |
| New Vehicles (36 months or less) |
4.50 |
4.50 |
36 |
| New Vehicles ( 37 to 60 months) |
4.75 |
4.75 |
60 |
| New Vehicles ( 61 to 72 months) |
5.25 |
5.25 |
72 |
| New Vehicles (73 to 84 months) $35,000 minimum loan |
5.50 |
5.50 |
84 |
| Used Vehicles up to 5 years old (36 months or less) |
4.75 |
4.75 |
36 |
| Used Vehicles up to 5 years old (37 to 60 months) |
5.00 |
5.00 |
60 |
| Used Vehicles up to 5 years old (61 to 72 months) |
5.50 |
5.50 |
72 |
| “R” titled vehicles – 1% higher than the current used car rate |
|
|
72 |
| Home Equity Line of Credit (Variable Interest Rate) |
5.98 |
5.98 |
n/a |
| 1st Lien Mortgage Loans (Up to 10 years) |
5.50 |
5.50 |
120 |
| 1st Lien Mortgage Loans (10 to 15 years) |
5.75 |
5.75 |
180 |
| 1st Lien Mortgage Loans (15 to 20 years) |
6.00 |
6.00 |
240 |
| 2nd Lien Mortgage Loans (Up to 10 years) |
6.00 |
6.00 |
120 |
| 2nd Lien Mortgage Loans (10 to 15 years) |
6.25 |
6.25 |
180 |
| 2nd Lien Mortgage Loans (15 to 20 years) |
6.50 |
6.50 |
240 |
| Unsecured Loans (up to $10,000 per member) |
9.90 |
9.90 |
48 |
Savings
Savings
| Savings |
Dividend Rate |
APY |
Term |
| Regular Shares |
0.70 |
0.70 |
n/a |
| Christmas Club |
1.00 |
1.00 |
n/a |
| Vacation Club |
1.00 |
1.00 |
n/a |
| IRA Share Account (Under $500) |
0.70 |
0.70 |
n/a |
| Checking Account |
0.01 |
0.01 |
n/a |
Certificates
There is a penalty for early withdrawals on certificates. A 30 day interest penalty will apply to early withdrawals on all certificates with the exception of the 2 year and 3 year certificates which have a 90 day interest penalty.
Certificates
| Certificates |
Dividend Rate |
APY |
Term |
| 1 Year Compounding Certificate – Minimum Deposit $1,000 |
3.70 |
3.75 |
12 |
| 2 Year Certificate – Minimum Deposit $1,000 |
3.25 |
3.25 |
24 |
| 3 Year Certificate – Minimum Deposit $1,000 |
3.25 |
3.25 |
36 |
| Mini-Jumbo – 1 Year Certificate – Minimum Deposit $50,000 |
4.10 |
4.10 |
12 |
| High Yield – 1 Year Certificate – Minimum Deposit $10,000 |
3.95 |
3.95 |
12 |
| 1 Year Certificate – Non Compounding – Minimum Deposit $1,000 |
3.75 |
3.75 |
12 |
| 180 Day Certificate – Minimum Deposit $2,500 |
2.00 |
2.00 |
6 |
| 90 Day Certificate – Minimum Deposit $2,500 |
1.50 |
1.50 |
3 |
| 1 Year IRA Certificate – Minimum Deposit $500 |
3.94 |
4.00 |
12 |
| 2 Year IRA Certificate – Minimum Deposit $500 |
3.21 |
3.25 |
24 |
| 3 Year IRA Certificate – Minimum Deposit $500 |
3.21 |
3.25 |
36 |
