APY = Annual Percentage Yield. *** Variable rates - effective as of {{ dynamic-date }}.
† Credit Card Rates are based on credit qualifications and will be in this range. Approval and annual percentage rates based on credit worthiness. Rates subject to change. Rates apply to new loans only.
Share Accounts
| Minimum Balance | APY | |
|---|---|---|
| Shares | $5.00 | 0.10% |
| IRA Flex | None | 3.04% |
| Platinum Money Market Savings |
$0 - $2,499.99 |
0.00% 1.00% 3.56% |
| Business Savings | $5.00 | 0.10% |
†Rates and Annual Percentage Yields (APY) are subject to change without notice and are effective as of 05/01/2026. Fees may reduce earnings on the account.
Checking Accounts Back to Top
| Minimum Balance | APY | |
|---|---|---|
| Classic Checking | None | None |
| Rewards Checking** High Yield |
$0 - $10,000.00 $10,000.01+ Rate if qualifications aren't met |
5.12% 5.12%-1.80% 0.05% |
|
Rewards Checking** |
None | 0.0% |
|
Level Up Youth Checking |
None | 0.0% |
|
HSA Checking |
$0 - $4,999.99 $5,000 - $9,999.99 $10,000+ |
0.10% 0.15% 0.20% |
|
Business Interest Checking |
$0 - $4,999.99 $5,000 - $24,999.99 $25,000 - $99,999.99 $100,000+ |
0.00% |
Certificates Back to Top
|
Share Certificates |
Jumbo Certificates (Min Bal $100,000 & above) |
IRA Certificates (Min Bal $500 & above) |
Jumbo IRA Certificates (Min Bal $100,000 & above) |
|
| Term | APY | APY | APY | APY |
| 6 mos. | 4.00% | 4.10% | 4.10% | 4.20% |
| 12 mos. | 4.00% | 4.10% | 4.10% | 4.20% |
| 18 mos. | 3.65% | 3.75% | 3.75% | 3.85% |
| 24 mos. | 3.65% | 3.75% | 3.75% | 3.85% |
| 30 mos. + 1 Time Bump*** | 3.65% | 3.75% | 3.75% | 3.85% |
| 36 mos. | 3.70% | 3.80% | 3.80% | 3.90% |
| 48 mos. | 3.70% | 3.80% | 3.80% | 3.90% |
| 60 mos. | 3.75% | 3.85% | 3.85% | 3.95% |
*APY=Annual Percentage Yield. APYs accurate as of 5/01/2026. Rates may change after account is opened.
**The following must be met each qualification cycle: ( 1 ) Have at least 1 2 d e b it c a r d p u r chases p o s t a n d settle, ( 2 ) Have at least 1 automatic payment (ACH) or deposit post and settle, and (3) Be enrolled and receive e-statement notice. APY calculations are based on an assumed total account balance of $10,000 plus $25,000. If qualifications are met each monthly qualification cycle: (1) balances up to $10,000 receive APY of 5.12%; and (2) balances over $10,000 earn 0.50% interest rate on portion of balance over $10,000, resulting in a range of 5.12% - 1.80% APY depending on the balance (3) domestic ATM fees up to $4.99 per item will be reimbursed on the last day of your statement cycle. ATM receipt must be presented for $4.99 maximum ATM fee reimbursement if surcharge is $5.00 or higher. Fees may reduce earnings. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle on account. ATM transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior the close of the current statement c ycle.
Certificate Rates
Certificate rates are subject to change at any time. All other rates are subject to change monthly. Dividends are paid on all open accounts. APY is based on withdrawn dividends, if dividends remain on deposit until maturity APY may be higher. A withdrawal from the Certificate will reduce earnings. Dividends are compounded monthly and credited monthly on all Certificates and IRA Certificate accounts. A penalty may be imposed for withdrawal. Please read the Truth In Savings disclosures for additional information.
***Bump up option on Share Certificates with maturities of 30 months. The “bump” provides the option to increase the certificate rate once during the term of the certificate to the higher rate in effect at the time of the bump
Auto Loans Back to Top
| Autos | Rate (APR) | Max Term |
| New & Used (2019 - current year) | 5.69 - 16.95% | 01 - 36 mos. |
| New & Used (2019 & current year) | 5.94% - 17.20% | 37 - 63 mos. |
| New & Used (2019 & current year)* | 6.19% - 17.45% | 64 - 75 mos. |
| New & Used (2019 & current year)* | 6.34% - 9.14% | 76 - 79 mos. |
| New & Used (under 30,000 miles) | 6.34% - 9.14% | 80 - 84 mos. |
| New Units (min ln amt - $50,000) | 7.24% - 7.64% | 85 - 96 mos. |
*2018 max term is 66 mos. *Minimum loan of $5,000 for qualified applicants.
A 63-month $25,000 fixed rate secured new auto loan at 5.94% has an approximate monthly payment of $462.92.
Recreational Vehicles & Power Sport Machines Back to Top
| Year Model | Rate (APR) | Max Term |
| 2025 - Current Year | 8.25% - 11.50% | 01 - 120 mos. |
| 2022 - 2024 | 8.75% - 12.50% | 01 - 120 mos. |
| 2020 - 2021 | 10.75% - 13.50% | 01 - 96 mos. |
| 2019 | 11.75% - 14.00% | 01 - 72 mos. |
A 72 month $10,000 fixed rate secured powersport or recreational vehicle loan at 9.25% has an approximate monthly payment of $176.56.
Consumer Loan Back to Top
| Loan Type | Rate (APR) | Max Term |
| Shared (savings) secured | 2.50% 3.60% |
1-60 mos. 61-120 mos. |
| Personal | 11.00% - 18.00% | 1-72 mos. |
| MasterCard Credit Card (Fixed Rate Card) |
11.00% - 18.00%† | Revolving |
A 48 month $10,000 fixed rate personal loan at 11.00% has an approximate monthly payment of $258.46.
Real Estate Loans Back to Top
| Loan Type |
| Residential Loans |
| Fixed-Rate Loans: Less than 15 years 15 year mortgage 30 year mortgage JUMBO* |
| Adjustable Rate Mortgages (ARMs) 5/5 ARM "Welcome Home Loan" |
| Home Equity Line of Credit |
| FHA (Federal Housing Administration) |
| VA (Veterans Affairs) |
| USDA (US Department of Agriculture) / Rural Development |
| Construction Loans (12-month Interim Financing) |
*Loan amounts greater than the Conforming Loan Limit.