Current Rates

The following account rates have been declared for the period of:
10/1/2024 to 12/31/2024

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Personal Savings & Checking Accounts
Product Balance Annual Percentage Yield (APY) Rate

Dividends for all above accounts are paid quarterly on the daily balance. Savings and Checking Account dividends will be declared by the Board of Directors at the end of each quarter. The above yields represent what was paid during the above quarter. Law prohibits the payment of dividends in excess of the credit union’s available earnings.

Product

Membership Savings (0100)

Balance
0. to 99.
Annual Percentage Yield (APY)

1.51%

Rate

1.50%

Product
Balance
100. to 499.
Annual Percentage Yield (APY)

1.51%

Rate

1.50%

Product
Balance
500. to 2,499.
Annual Percentage Yield (APY)

1.51%

Rate

1.50%

Product
Balance
2,500. to 9,999.
Annual Percentage Yield (APY)

1.51%

Rate

1.50%

Product
Balance

10,000. +

Annual Percentage Yield (APY)

1.51%

Rate

1.50%

Product

Special Savings (0200)

Balance
0. to 499.
Annual Percentage Yield (APY)

1.51%

Rate

1.50%

Product
Balance
500. to 2,499.
Annual Percentage Yield (APY)

1.51%

Rate

1.50%

Product
Balance
2,500. to 9,999.
Annual Percentage Yield (APY)

1.51%

Rate

1.50%

Product
Balance

10,000. +

Annual Percentage Yield (APY)

 

 

Rate

1.50%

Product

Holiday Club (0900)

Balance
All
Annual Percentage Yield (APY)

0.25%

Rate

0.25%

Product

Youth Savings (1800)

Balance
All
Annual Percentage Yield (APY)

1.26%

Rate

1.25%

Product

Youth Special Savings (1900)

Balance

All

Annual Percentage Yield (APY)

1.26%

Rate

1.25%

Product

Health Savings (2600)

Balance
All
Annual Percentage Yield (APY)

1.26%

Rate

1.25%

Product

Interest Checking (0500)

Balance
All
Annual Percentage Yield (APY)

0.25%

Rate

0.25%

The following account rates have been declared for the month of:
December 2024
Personal Liquid Assets Accounts
Type Balance Annual Percentage Yield (APY) Rate

Dividends for Liquid Assets accounts are calculated on the daily balance and are paid monthly. Dividends are declared by the Board of Directors at the end of each month.

Type

Liquid Assets (0700)

Balance
0. to 9,999.
Annual Percentage Yield (APY)

1.01%

Rate

1.00%

Type
Balance
10,000. to 24,999.
Annual Percentage Yield (APY)

1.16%

Rate

1.15%

Type
Balance
25,000. to 49,999.
Annual Percentage Yield (APY)

1.26%

Rate

1.25%

Type
Balance
50,000. to 74,999.
Annual Percentage Yield (APY)

1.36%

Rate

1.35%

Type
Balance

75,000. +

Annual Percentage Yield (APY)

1.51%

Rate

1.50%

The following account rates are effective as of:
December 18, 2024
Savings Certificates: $500 to $9,999
Term Annual Percentage Yield (APY) Rate

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

Term
90 to 181 Days
Annual Percentage Yield (APY)
N/A
Rate

N/A

Term

182 to 364 days (7200)

Annual Percentage Yield (APY)

4.07%

Rate

4.00%

Term

12 to 23 months (7300)

Annual Percentage Yield (APY)

4.33%

Rate

4.25%

Term

24 to 35 months (7400)

Annual Percentage Yield (APY)

3.56%

Rate

3.50%

Term

36 to 47 months (7500)

Annual Percentage Yield (APY)

3.62%

Rate

3.55%

Term

48 to 59 months (7600)

Annual Percentage Yield (APY)

3.72%

Rate

3.65%

Term

60 months (7700)

Annual Percentage Yield (APY)

3.83%

Rate

3.75%

Savings Certificates: $10,000 to $74,999
Term Annual Percentage Yield (APY) Rate

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

Term

90 to 181 Days (7100)

Annual Percentage Yield (APY)

2.48%

Rate

2.45%

Term

182 to 364 days (7200)

Annual Percentage Yield (APY)

4.13%

Rate

4.05%

Term

12 to 23 months (7300)

Annual Percentage Yield (APY)

4.33%

Rate

4.25%

Term

24 to 35 months (7400)

Annual Percentage Yield (APY)

3.61%

Rate

3.55%

Term

36 to 47 months (7500)

Annual Percentage Yield (APY)

3.67%

Rate

3.60%

Term

48 to 59 months (7600)

Annual Percentage Yield (APY)

3.77%

Rate

3.70%

Term

60 months (7700)

Annual Percentage Yield (APY)

3.88%

Rate

3.80%

Savings Certificates: $75,000 +
Term Annual Percentage Yield (APY) Rate

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

Term

90 to 181 Days (7100)

Annual Percentage Yield (APY)

2.54%

Rate

2.50%

Term

182 to 364 days (7200)

Annual Percentage Yield (APY)

4.23%

Rate

4.15%

Term

12 to 23 months (7300)

Annual Percentage Yield (APY)

4.39%

Rate

4.30%

Term

24 to 35 months (7400)

Annual Percentage Yield (APY)

3.66%

Rate

3.60%

Term

36 to 47 months (7500)

Annual Percentage Yield (APY)

3.72%

Rate

3.65%

Term

48 to 59 months (7600)

Annual Percentage Yield (APY)

3.83%

Rate

3.75%

Term

60 months (7700)

Annual Percentage Yield (APY)

3.93%

Rate

3.85%

The following account rates have been declared for the period of:
10/1/2024 to 12/31/2024
Individual Retirement Accounts (IRA)
Account Type Balance Annual Percentage Yield (APY) Rate

Dividends for all above accounts are paid quarterly on the daily balance. Savings account dividends will be declared by the Board of Directors at the end of each quarter. The above yields represent what was paid during the above quarter. Law prohibits the payment of dividends in excess of the credit union’s available earnings.

Account Type

Traditional IRA Savings (2000)

Balance
All
Annual Percentage Yield (APY)

1.51%

Rate

1.50%

Account Type

Roth IRA Savings (2100)

Balance
All
Annual Percentage Yield (APY)

1.51%

Rate

1.50%

Account Type

Education IRA Savings (2300)

Balance
All
Annual Percentage Yield (APY)

1.51%

Rate

1.50%

Account Type

SEP IRA Savings (2400)

Balance
All
Annual Percentage Yield (APY)

1.51%

Rate

1.50%

The following account rates are effective as of:
December 18, 2024
Traditional IRA Certificates
Term Annual Percentage Yield (APY) Rate

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

Term

12 to 23 months (9100)

Annual Percentage Yield (APY)

4.39%

Rate

4.30%

Term

24 to 35 months (9200)

Annual Percentage Yield (APY)

3.66%

Rate

3.60%

Term

36 to 47 months (9300)

Annual Percentage Yield (APY)

3.72%

Rate

3.65%

Term

48 to 59 months (9400)

Annual Percentage Yield (APY)

3.83%

Rate

3.75%

Term

60 months (9500)

Annual Percentage Yield (APY)

3.93%

Rate

3.85%

Roth IRA Certificates

Term

Annual Percentage Yield (APY)

Rate

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

Term

12 to 23 months (9100)

Annual Percentage Yield (APY)

4.39%

Rate

4.30%

Term

24 to 35 months (9200)

Annual Percentage Yield (APY)

3.66%

Rate

3.60%

Term

36 to 47 months (9300)

Annual Percentage Yield (APY)

3.72%

Rate

3.65%

Term

48 to 59 months (9400)

Annual Percentage Yield (APY)

3.83%

Rate

3.75%

Term

60 months (9500)

Annual Percentage Yield (APY)

3.93%

Rate

3.85%

Coverdell Education Savings Account (ESA) Certificates
Term Annual Percentage Yield (APY) Rate

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

Term

12 to 23 months (9100)

Annual Percentage Yield (APY)

4.39%

Rate

4.30%

Term

24 to 35 months (9200)

Annual Percentage Yield (APY)

3.66%

Rate

3.60%

Term

36 to 47 months (9300)

Annual Percentage Yield (APY)

3.72%

Rate

3.65%

Term

48 to 59 months (9400)

Annual Percentage Yield (APY)

3.83%

Rate

3.75%

Term

60 months (9500)

Annual Percentage Yield (APY)

3.93%

Rate

3.85%

Simplified Employee Pension (SEP) IRA Certificates
Term Annual Percentage Yield (APY) Rate

Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time.

Term

12 to 23 months (9100)

Annual Percentage Yield (APY)

4.39%

Rate

4.30%

Term

24 to 35 months (9200)

Annual Percentage Yield (APY)

3.66%

Rate

3.60%

Term

36 to 47 months (9300)

Annual Percentage Yield (APY)

3.72%

Rate

3.65%

Term

48 to 59 months (9400)

Annual Percentage Yield (APY)

3.83%

Rate

3.75%

Term

60 months (9500)

Annual Percentage Yield (APY)

3.93%

Rate

3.85%

The following account rates have been declared for the month of:
December 2024
Business Checking Accounts
Product Annual Percentage Yield (APY) Rate

Dividends declared for Business Checking accounts are calculated on the daily balance and paid monthly. Dividends are declared by the Board of Directors at the end of each month. Please refer to your “Important Account Information” booklet for full details, terms, and conditions.

Product

Business Interest Checking (5200, 6200)

Annual Percentage Yield (APY)

0.25%

Rate

0.25%

Business Liquid Asset Accounts
Product Balance Annual Percentage Yield (APY) Rate

Dividends declared for Business Liquid Asset accounts are calculated on the daily balance and paid monthly. Dividends are declared by the Board of Directors at the end of each month. Please refer to your “Important Account Information” booklet for full details, terms, and conditions.

Product

Business Liquid Assets (7000)

Balance
0. to 9,999.
Annual Percentage Yield (APY)

1.01%

Rate

1.00%

Product
Balance
10,000. to 24,999.
Annual Percentage Yield (APY)

1.16%

Rate

1.15%

Product
Balance
25,000. to 49,999.
Annual Percentage Yield (APY)

1.26%

Rate

1.25%

Product
Balance
50,000. to 74,999.
Annual Percentage Yield (APY)

1.36%

Rate

1.35%

Product
Balance

75,000. +

Annual Percentage Yield (APY)

1.51%

Rate

1.50%

The following account rates have been declared for the period of:
10/1/2024 to 12/31/2024
Business Savings Accounts
Product Balance Annual Percentage Rate (APY) Rate

Dividends for the above accounts are paid quarterly on the daily balance. Savings and checking accounts will be declared by the Board of Directors at the end of each quarter. The above yields represent what was paid during the above quarter. Law prohibits the payment of dividends in excess of the credit union’s available earnings.

Product

Business Membership Savings (5000)

Balance
0. to 99.
Annual Percentage Rate (APY)

1.51%

Rate

1.50%

Product
Balance
100. to 499.
Annual Percentage Rate (APY)

1.51%

Rate

1.50%

Product
Balance
500. to 2,499.
Annual Percentage Rate (APY)

1.51%

Rate

1.50%

Product
Balance
2,500. to 9,999.
Annual Percentage Rate (APY)

1.51%

Rate

1.50%

Product
Balance

10,000. +

Annual Percentage Rate (APY)

1.51%

Rate

1.50%

The following account rates are effective as of:
December 18, 2024
Fixed Real Estate Loans
Term of Loan

Annual Percentage Rate (APR) as low as

Rate Points
  • Up to 97% LTV on Purchases & Rate/Term Refinances
  • Up to 80% LTV on Cash Out Refinances
  • Manufactured home/Cash-out refinance, 65% maximum LTV, maximum 20-year term.

Other products available (rates/terms may be different according to each product)

  • 7-Year Fixed Rate/1-Year Adjustable Rate Mortgages
  • 3-Year Fixed Rate/1-Year Adjustable Rate Mortgages
  • Non-Conforming Mortgages
  • “As Is” Purchases

APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied.

Term of Loan
30 Years

Annual Percentage Rate (APR) as low as

6.625%

Rate

6.500%

Points
0.000
Term of Loan

Annual Percentage Rate (APR) as low as

6.471%

Rate

6.250%

Points
1.000
Term of Loan
15 Years

Annual Percentage Rate (APR) as low as

5.700%

Rate

5.500%

Points
0.000
Term of Loan

Annual Percentage Rate (APR) as low as

5.606%

Rate

5.250%

Points
1.000
Fixed JUMBO Real Estate Rates
Term of Loan Annual Percentage Rate (APR) as low as Rate Points

Jumbo loans are loans exceeding $766,550

APR is based on a $800,000 loan amount. Rates also available for Non-Owner Occupied.

Term of Loan
30 Years
Annual Percentage Rate (APR) as low as

6.716%

Rate

6.700%

Points
0.000
Term of Loan
Annual Percentage Rate (APR) as low as

6.562%

Rate

6.450%

Points
1.000
Term of Loan
15 Years
Annual Percentage Rate (APR) as low as

5.725%

Rate

5.700%

Points
0.000
Term of Loan
Annual Percentage Rate (APR) as low as

5.630%

Rate

5.450%

Points

1.000

The following account rates are effective as of:
December 16, 2024
Adjustable Real Estate Loans
Home Purchases/Refinances Annual Percentage Rate (APR) as low as Rate as low as Comments

ARM Rates have a 6% lifetime cap over original rate. Rates are for owner-occupied properties. Non-owner-occupied rates available. Annual Percentage Rates shown are based on a $100,000 loan amount. The APR will vary according to term, amount of loan, and other prepaid finance charges.

Home Purchases/Refinances
Quarterly Adjustable
Annual Percentage Rate (APR) as low as

5.366%

Rate as low as

5.250%

Comments

No points. Up to 30 years financing.

Home Purchases/Refinances
3 & 1 Year ARM
Annual Percentage Rate (APR) as low as

4.863%

Rate as low as

4.750%

Comments

No points. Up to 30 years financing.

Home Purchases/Refinances
7 & 1 Year ARM
Annual Percentage Rate (APR) as low as

5.114%

Rate as low as

5.000%

Comments

No points. Up to 30 years financing.

Home Purchases/Refinances
Manufactured Home and Land
Annual Percentage Rate (APR) as low as

Please refer to the above real estate rates

Rate as low as
Comments
Home Purchases/Refinances
Manufactured Home in Park
Annual Percentage Rate (APR) as low as

9.579%

Rate as low as

9.250%

Comments

Up to 80% of the appraised value. 2003 or newer. 1 Point. Up to 20 years financing.

Home Purchases/Refinances
Home Construction (with automatic rollover)
Annual Percentage Rate (APR) as low as

5.872%

Rate as low as

5.500% (30 Years)

Comments

Up to 80% of appraised value, not to exceed 100% of cost to build. $400 upfront application fee. $1,500 origination fee. 2 points.

Home Purchases/Refinances
Unimproved Property
Annual Percentage Rate (APR) as low as

9.832%

Rate as low as

9.500% (20 Years)

Comments

Up to 60% of land value. 1 point.

Credit Cards
Card Type

Credit Score

Rate

Card Type

Visa Classic Card FIXED

Credit Score

730

Rate

15.70%

Card Type

Credit Score

700-729

Rate

15.95%

Card Type

Credit Score

675-699

Rate

16.95%

Card Type

Credit Score

650-674

Rate

20.95%

Card Type

Credit Score

610-649

Rate

23.95%

Card Type

Visa Classic Card VARIABLE

Credit Score

730

Rate

11.70%

Card Type

Credit Score

700-729

Rate

11.95%

Card Type

Credit Score

675-699

Rate

12.95%

Card Type

Credit Score

650-674

Rate

16.95%

Card Type

Credit Score

610-649

Rate

19.95%

Card Type

Credit Score

Rate

Card Type

Visa Platinum Card FIXED

Credit Score

730

Rate

14.70%

Card Type

Credit Score

700-729

Rate

14.95%

Card Type

Visa Platinum Card VARIABLE

Credit Score

730

Rate

10.70%

Card Type

Credit Score

700-729

Rate

10.95%

Personal Line of Credit
Type

Credit Score

Rate

Comment
Type

Personal Line of Credit Variable

Credit Score

730

Rate

13.50%

Comment
Open line of credit. Maximum loan of $50,000.
Type

Credit Score

700-729

Rate

13.75%

Comment
Type

Credit Score

675-699

Rate

14.75%

Comment
Type

Credit Score

650-674

Rate

18.75%

Comment
Type

Credit Score

610-649

Rate

21.75%

Comment
Vehicle Loans: Autos, Trucks, Boats, & RVs
Loan Type Loan Terms Rate as low as
  • Auto & Truck Loans:
    • 2020 models or newer (other rates available for older models)
    • up to 135% of MSRP or High Book, plus GAP
    • up to 84-month financing
  • Boat & RV Loans:
    • Up to 100% financing of the approved value, including tax and license.
    • Up to 120-month financing.
Loan Type

New & Used Autos

Loan Terms
Fixed Rate
Rate as low as

5.99%

Loan Type

Boat & RV Loans (New & Used)

Loan Terms
Fixed Rate
Rate as low as

7.50%

Home Equity Loans
Product Term Rate as low as
  • Up to 80% of appraised value.
  • Rates are for owner-occupied properties. Non-owner-occupied rates & terms available

Equiline Line of Credit:

  • No points or fees on lines up to $200,000 (appraisal fees may apply). Lines over $200,000 subject to third-party fees.
  • Lifetime cap is 6% over original rate.
  • Maximum loan of $300,000

Home Equity Loan:

  • No points or fees (appraisal fees may apply).
  • Maximum loan of $300,000
Product

Home Equity Line of Credit (Open-Ended Loan)

Term
15 Year Variable
Rate as low as

8.250%

Product
Home Equity Loan (Closed-Ended Loan)
Term
10 Year Fixed
Rate as low as

8.750%

Product
Term
15 Year Fixed
Rate as low as

9.250%

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