Rates and fees subject to change without prior notice. Fees may reduce earnings for accounts where fees apply. Rates current as of March 25, 2025.
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Fees
Our Schedule of Fees and Service Charges shows everything at a glance.
Savings Rates
| Type | Dividend Rate | APY2 | Min Balance7 |
|---|---|---|---|
| Primary Share | .05% | .05% | $5.00 |
| All Purpose Club20 | .05% | .05% | $10.00 |
2:APY = Annual Percentage Yield. Compounds daily.
7:Minimum daily balance in your account each day to obtain the disclosed annual percentage yield.
20: Minimum balance required to open this account is $1.00.
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply.
7:Minimum daily balance in your account each day to obtain the disclosed annual percentage yield.
20: Minimum balance required to open this account is $1.00.
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply.
Money Market Rates
| Type | Dividend Rate | APY2 | Min Balance7 |
|---|---|---|---|
| Money Market | .15% | .15% | $1,000.00 |
| .10% | .10% | $5.00 - $999.99 | |
| Money Market Plus28 | 3.00% | 3.05% | $100,000.00 |
| 2.00% | 2.02% | $50,000.00 - $99,999.99 | |
| 1.50% | 1.51% | $25,000.00 - $49,999.99 | |
| 1.00% | 1.00% | $1,000.00 - $24,999.99 | |
| .75% | .75% | $0.00 - $999.99 |
2:APY = Annual Percentage Yield. Compounds daily.
7:Minimum daily balance in your account each day to obtain the disclosed annual percentage yield.
28:If Money Market Plus criteria isn’t met in any given month, regular Money Market rates will apply for that month. Money Market Plus criteria is: must have active checking account with minimum of one direct deposit into the checking account and ten debit card transactions from the checking account per statement cycle to qualify for higher rates, otherwise standard money market rates apply. The minimum balance to open the account is $1,000.00.
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply.
7:Minimum daily balance in your account each day to obtain the disclosed annual percentage yield.
28:If Money Market Plus criteria isn’t met in any given month, regular Money Market rates will apply for that month. Money Market Plus criteria is: must have active checking account with minimum of one direct deposit into the checking account and ten debit card transactions from the checking account per statement cycle to qualify for higher rates, otherwise standard money market rates apply. The minimum balance to open the account is $1,000.00.
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply.
Personal Checking Rates
| Type | Dividend Rate | APY2 | Min Balance7 |
|---|---|---|---|
First Advantage Checking21
| .01% |
.01% |
$0.00 |
|
| Jump Start Checking21 | .01% | .01% | $0.00 |
2:APY = Annual Percentage Yield. Compounds daily.
7:Minimum daily balance in your account each day to obtain the disclosed annual percentage yield.
21:Minimum balance required to open this account is $5.00.
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply.
7:Minimum daily balance in your account each day to obtain the disclosed annual percentage yield.
21:Minimum balance required to open this account is $5.00.
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply.
Business Checking Rates
| Type | Dividend Rate | APY2 | Min Balance7 |
|---|---|---|---|
| Elite Business | .05% | .05% | $100,000.00 |
| .02% | .02% | $50,000 to $99,999.99 | |
| .02% | .02% | $25,000 to $49,999.99 | |
| .01% | .01% | $10,000 to $24,999.99 | |
| .01% | .01% | $1,000 to $9,999.99 | |
| .01% | .01% | $0.00 to $999.99 |
2:APY = Annual Percentage Yield. Compounds daily.
7:Minimum daily balance in your account each day to obtain the disclosed annual percentage yield.
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply.
7:Minimum daily balance in your account each day to obtain the disclosed annual percentage yield.
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply.
Certificate Rates
| Type | Dividend Rate | APY2,8 | Min Balance7 |
|---|---|---|---|
| 3 Month | .75% | .76% | $1,000 |
| 4 Month Special | 4.00% | 4.08% | $1,000 |
| 6 Month | .85% | .85% | $1,000 |
| 7 Month Special | 4.16% | 4.25% | $1,000 |
| 12 Month | 3.00% | 3.05% | $500 |
| 24 Month | 1.50% | 1.51% | $500 |
| 36 Month | 1.50% | 1.51% | $500 |
| 48 Month | 1.50% | 1.51% | $500 |
| 60 Month | 1.50% | 1.51% | $500 |
2:APY = Annual Percentage Yield. Compounds daily.
8:Penalty may be imposed for early withdrawal.
All rates subject to change without prior notice. Fees may reduce earnings.
8:Penalty may be imposed for early withdrawal.
All rates subject to change without prior notice. Fees may reduce earnings.
IRA Certificate Rates
| Type | Dividend Rate | APY2,8 | Min Balance7 |
|---|---|---|---|
| 4 Month Special | 4.00% | 4.08% | $1,000 |
| 7 Month Special | 4.16% | 4.25% | $1,000 |
| 12 Month | 3.00% | 3.05% | $100 |
| 24 Month | 1.50% | 1.51% | $100 |
| 36 Month | 1.50% | 1.51% | $100 |
| 48 Month | 1.50% | 1.51% | $100 |
| 60 Month | 1.50% | 1.51% | $100 |
2:APY = Annual Percentage Yield. Compounds daily.
8:Penalty may be imposed for early withdrawal.
All rates subject to change without prior notice. Fees may reduce earnings.
8:Penalty may be imposed for early withdrawal.
All rates subject to change without prior notice. Fees may reduce earnings.
Auto Loan Rates
| Type | APR1 | EMP3 (per $1,000) | Finance Charge |
|---|---|---|---|
| Model Year 2022-25 | |||
| 66 Month | 5.49% | $17.59 | $160.77 |
| 75 Month | 6.24% | $16.14 | $210.10 |
| 84 Month16 | 6.99% | $15.09 | $267.35 |
| Model Year 2021 | |||
| 66 Month | 5.74% | $17.71 | $168.37 |
| 75 Month | 6.24% | $16.14 | $210.10 |
| 84 Month16 | 6.99% | $15.09 | $267.35 |
| Model Year 2020 | |||
| 66 Month | 5.99% | $17.83 | $176.05 |
| 75 Month16 | 6.69% | $16.36 | $226.14 |
| Model Year 2019 | |||
| 66 Month | 6.49% | $18.06 | $191.61 |
| 75 Month16 | 6.89% | $16.45 | $233.43 |
| Model Year 2018 | |||
| 60 Month16 | 6.79% | $19.71 | $181.93 |
| Model Year 2017 or older | |||
| 48 Month | 7.54% | $24.20 | $161.32 |
1:APR = Annual Percentage Rate.
3:EMP = Estimated Monthly Payment.
16:Term available subject to credit score.
Rates subject to change without notice. Rate determined by credit report and collateral.
3:EMP = Estimated Monthly Payment.
16:Term available subject to credit score.
Rates subject to change without notice. Rate determined by credit report and collateral.
Recreational Vehicle Loan Rates
| Type | APR1 | EMP3 (per $1,000) | Finance Charge |
|---|---|---|---|
| Titled | |||
| 60 Month | 8.24% | $20.40 | $223.66 |
| 72 Month | 9.49% | $18.28 | $315.72 |
| 144 Month | 10.99% | $12.54 | $804.40 |
| No Title | |||
| 60 Month | 10.24% | $21.38 | $282.06 |
| 72 Month | 11.49% | $19.30 | $388.82 |
| 144 Month | 12.49% | $13.44 | $935.24 |
1:APR = Annual Percentage Rate.
3:EMP = Estimated Monthly Payment.
Rates subject to change without notice. Rate determined by credit report and collateral.
3:EMP = Estimated Monthly Payment.
Rates subject to change without notice. Rate determined by credit report and collateral.
Personal Loan Rates
| Type | APR1 | EMP3 (per $1,000) | Finance Charge |
|---|---|---|---|
| Personal Loans | |||
| 24 Month | 11.74% | $46.94 | $126.31 |
| 36 Month | 11.99% | $33.20 | $194.96 |
| 48 Month | 12.49% | $26.57 | $275.06 |
| 60 Month | 12.99% | $22.74 | $364.32 |
| Credit Builder17 | |||
| 60 Month | 7.00% | $19.81 | $188.27 |
| Signature Line of Credit18 | 12.90% | ||
| Overdraft Revolving Credit19 | 14.90% | ||
| Share Secured Loans22 |
1:APR = Annual Percentage Rate.
3:EMP = Estimated Monthly Payment.
17:Proceeds held in an interest bearing certificate for full term of the loan. Loan proceeds are available only after loan has been paid.
18:Maximum amount $10,000
19:Maximum amount $5,000
22:Three percent over interest being earned on account held as collateral
Rates subject to change without notice. Rate determined by credit report and collateral.
3:EMP = Estimated Monthly Payment.
17:Proceeds held in an interest bearing certificate for full term of the loan. Loan proceeds are available only after loan has been paid.
18:Maximum amount $10,000
19:Maximum amount $5,000
22:Three percent over interest being earned on account held as collateral
Rates subject to change without notice. Rate determined by credit report and collateral.
Mortgage Rates
| Type | Rate | APR1,4 | EMP3 (per $1,000) |
|---|---|---|---|
| Adjustable Rate Mortgages12 | |||
| 5&1 Fixed Variable12 | 5.625% | 5.725% | $5.76 |
| 7&1 Fixed Variable12 | 5.750% | 5.852% | $5.84 |
| 7&3 Fixed Variable12 | 6.000% | 6.166% | $6.00 |
| 10&5 Fixed Variable12 | 6.125% | 6.316% | $6.08 |
| Convertible 1 Yr Adjustable12 | 5.125% | 5.565% | $5.44 |
| 1 Year Adjustable12 | 5.125% | 5.565% | $5.44 |
| 3 Year Adjustable12 | 5.250% | 5.631% | $5.52 |
| 7&1 Variable 40 Year12 | 5.875% | 5.962% | $5.42 |
| Land Loan11,12 | 5.125% | 5.643% | $10.67 |
| Fixed Rate Mortgages | |||
| 15 Year | 5.750% | 5.921% | $8.30 |
| 20 Year | 6.375% | 6.518% | $7.38 |
| 30 Year | 6.750% | 6.862% | $6.49 |
| 40 Year | 7.000% | 7.099% | $6.21 |
| First Time Homebuyers | 6.500% | 6.570% | $6.32 |
1:APR = Annual Percentage Rate.
4:All mortgage APRs are for 1-4 unit owner occupied primary residences based on 20% down payment. APRs may vary with lesser down payment. All mortgages with a loan to value of 80% and over require Prime Mortgage Insurance (PMI). Rates subject to change without prior notice. Zero points on all mortgages. Guidelines available upon request.
3:EMP = Estimated Monthly Payment.
11:Land loans 1-10 years, 25% downpayment
12:ARM loans are variable rate loans, interest rates and payments may increase after consummation. Rates and payments will remain the same for the first 5, 7, or 10 years and then can adjust to a new rate and payment every 1, 3 or 5 years based on a current index, depending on the ARM program you choose. For example, if you select the 5 & 1 Fixed Variable program your rate and principal & interest payment will be fixed for the first 5 years (the 5 in 5& 1), after that the interest rate and payment could change every 1 year for the remainder of the mortgage’s term (the 1 in the 5 & 1).
4:All mortgage APRs are for 1-4 unit owner occupied primary residences based on 20% down payment. APRs may vary with lesser down payment. All mortgages with a loan to value of 80% and over require Prime Mortgage Insurance (PMI). Rates subject to change without prior notice. Zero points on all mortgages. Guidelines available upon request.
3:EMP = Estimated Monthly Payment.
11:Land loans 1-10 years, 25% downpayment
12:ARM loans are variable rate loans, interest rates and payments may increase after consummation. Rates and payments will remain the same for the first 5, 7, or 10 years and then can adjust to a new rate and payment every 1, 3 or 5 years based on a current index, depending on the ARM program you choose. For example, if you select the 5 & 1 Fixed Variable program your rate and principal & interest payment will be fixed for the first 5 years (the 5 in 5& 1), after that the interest rate and payment could change every 1 year for the remainder of the mortgage’s term (the 1 in the 5 & 1).
Home Equity Rates
| Type | Rate | APR1,5 | EMP3 (per $1,000) |
|---|---|---|---|
| Home Equity Loans | |||
| 0-5 Years | 6.500% | 6.613% | $19.57 |
| 6-10 Years | 6.875% | 6.940% | $11.55 |
| 11-15 Years | 7.125% | 7.197% | $9.06 |
| Max Equity Loans | |||
| 5 Year | 7.875% | 8.014% | $20.22 |
| 10 Year | 8.125% | 8.203% | $12.20 |
| 15 Year | 8.500% | 8.560% | $9.85 |
| Home Equity Line of Credit13 | |||
| New Equity Member14 | 7.000% | ||
| Refinanced | 7.500% | ||
| Max Equity Line of Credit15 | 8.750% |
1:APR = Annual Percentage Rate.
5:All home equity lines of credit APRs are based on the Prime Lending Rate published in the Wall Street Journal, currently at 7.500% as of 12/19/2024. Rates apply to 1-4 unit owner occupied primary residences. Rates subject to change without prior notice. Underwriting guidelines available upon request. Early termination fee applies.
3:EMP = Estimated Monthly Payment.
13:Home equity lines of credit are fixed for the first 24 months and then Prime Rate for life. Minimum APR is 7.500% and the maximum APR is 15.000%. Home equity lines of credit have a 40-year term; 20-year draw period with a minimum monthly payment of the greater of $50.00 or 0.250% of the ending balance plus the amount of finance charge accrued on outstanding advances each month followed by 20-year repayment period with principal and interest payments.
14:New Equity Promotion. Prime Rate minus 0.50% for 24 months then Prime Rate.
15:Max equity line of credit is fixed for the first 24 months and then prime plus 1.250%. Minimum APR is 9.000% and the maximum APR is 15.000%.
5:All home equity lines of credit APRs are based on the Prime Lending Rate published in the Wall Street Journal, currently at 7.500% as of 12/19/2024. Rates apply to 1-4 unit owner occupied primary residences. Rates subject to change without prior notice. Underwriting guidelines available upon request. Early termination fee applies.
3:EMP = Estimated Monthly Payment.
13:Home equity lines of credit are fixed for the first 24 months and then Prime Rate for life. Minimum APR is 7.500% and the maximum APR is 15.000%. Home equity lines of credit have a 40-year term; 20-year draw period with a minimum monthly payment of the greater of $50.00 or 0.250% of the ending balance plus the amount of finance charge accrued on outstanding advances each month followed by 20-year repayment period with principal and interest payments.
14:New Equity Promotion. Prime Rate minus 0.50% for 24 months then Prime Rate.
15:Max equity line of credit is fixed for the first 24 months and then prime plus 1.250%. Minimum APR is 9.000% and the maximum APR is 15.000%.