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Rates

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Savings Rates

Account TypeDividend RateAnnual Percentage Yield (APY)*
Share Savings0.15%0.15%
Club Savings0.15%0.15%

Rates current as of April 23, 2026

*APY is accurate as of April 23, 2026. Rates subject to change without notice. Dividends calculated daily, compounded quarterly. Fees could reduce earnings. Share Savings APY is accurate as of the last dividend declaration date. Minimum balance to maintain account is $5.00.

Checking Rates

Account TypeDividend RateAnnual Percentage Yield (APY)*
Checking0.05%0.05%

Rates current as of April 23, 2026

* APY is accurate as of April 23, 2026. Rates subject to change without notice. Dividends calculated daily, compounded monthly. Fees could reduce earnings.

Money Market Rates

Minimum Daily BalanceDividend RateAnnual Percentage Yield (APY)*
$0.01 - $2,5000.25%0.25%
Over $2500 - $10,0000.25%0.25%
Over $10,000 - $25,0000.99%1.00%
Over $25,0001.24%1.25%

Rates current as of April 23, 2026

*APY is accurate as of April 23, 2026. Rates subject to change without notice. Dividends calculated daily, compounded monthly. Fees could reduce earnings. Money Market Account is a tiered-rate account. Balance ranges and corresponding dividend rates applicable to each tier are disclosed above. There is a minimum balance required to earn the dividend rate and APY disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the dividend rate and APY stated.

 

Share Certificate Rates

TermInitial Deposit/Minimum BalanceDividend Rate %APY %*
3 Month$1,0000.25%0.25%
6 Month$1,0001.49%1.50%
7 Month Special**$1,0003.44%3.50%
11 Month Special***$10003.44%3.50%
12 Month$1,0001.49%1.50%
18 Month$1,0001.74%1.75%
24 Month$1,0001.74% 1.75%
30 Month$1,0001.98%2.00%
36 Month$1,0001.98%2.00%

Rates current as of April 23, 2026

*APY is accurate as of April 23, 2026. Rates subject to change without notice. Dividends calculated daily, compounded monthly. Fees could reduce earnings. Other rates and terms available. Penalty equal to 180 days’ dividends will be applied for early withdrawal.

**Automatically renews at maturity for a 6-month term at the then current 6 month share certificate dividend rate.

*** Automatically renews at maturity for a 12-month term at the then current 12 month share certificate dividend rate.

IRA Rates

TermInitial Deposit/Minimum BalanceDividend Rate %APY %*
IRA Share Account$00.15%0.15%
6 Month$1,0001.49%1.50%
7 Month Special**$1,0003.44%3.50%
11 Month Special***$10003.44%3.50%
12 Month$1,0001.49%1.50%
18 Month$1,0001.74%1.75%
24 Month$1,0001.74% 1.75%
30 Month$1,0001.98%2.00%
36 Month$1,0001.98%2.00%

Rates current as of April 23, 2026

*APY is accurate as of April 23, 2026. Rates subject to change without notice. Dividends for IRA Share Account are calculated daily, compounded quarterly. All other accounts are calculated daily, compounded monthly. Fees could reduce earnings. Other rates and terms available. Penalty equal to 180 days’ dividends will be applied for early withdrawal.

**Automatically renews at maturity for a 6-month term at the then current 6 month share certificate dividend rate.

*** Automatically renews at maturity for a 12-month term at the then current 12 month share certificate dividend rate.

Business Checking & Savings Rates

Account TypeDividend RateAnnual Percentage Yield (APY)*
Business Share/Savings0.15% 0.15%
Business Share Draft/Checking0.05%0.05%

Rates current as of April 23, 2026

*APY is accurate as of April 23, 2026. Rates subject to change without notice. Checking account dividends calculated daily, compounded monthly. Savings account dividends calculated daily, compounded quarterly. Fees could reduce earnings. Share Savings APY is accurate as of the last dividend declaration date. Minimum balance to maintain Savings account is $5.00.

 

Credit Card Rates

ProductAnnual Percentage Rate (APR) *
Visa Credit CardVariable 11.75% - 18.00%
Share Secured Visa Credit CardFixed 8.75%

Rates current as of April 23, 2026

*Annual Percentage Rate (APR) is accurate as of April 23, 2026. The rate schedule states rates applicable to specified accounts. Variable rate accounts. All rates are subject to change. Auto rates are based on creditworthiness and age of collateral. For more information, contact the loan department.

Credit Card Agreement

Solicitation Disclosure

Personal Loan Rates

ProductAnnual Percentage Rate (APR) 1
PersonalAs low as 9.99%

Rates current as of April 23, 2026

1. Annual Percentage Rate (APR) is accurate as of April 23, 2026. The rate schedule states rates applicable to specified accounts. All rates are subject to change. Auto rates are based on creditworthiness and age of collateral. For more information, contact the loan department.

Auto Loan Rates

ProductTermAnnual Percentage Rate (APR) 1Example 2
Auto36 MonthAs low as 4.79%$29.88
Auto48 MonthAs low as 5.05%$23.05
Auto60 MonthAs low as 5.05%$18.89
Auto72 MonthAs low as 5.05%$16.13
Auto84 MonthAs low as 5.05%$14.16

Rates current as of April 23, 2026

1. Annual Percentage Rate (APR) is accurate as of April 23, 2026. The rate schedule states rates applicable to specified accounts. Variable rate accounts. All rates are subject to change. Auto rates are based on creditworthiness and age of collateral. For more information, contact the loan department.

2. Example is based on payment per $1,000.

Fresh Start Auto Loan Rates

Product TypeAnnual Percentage Rate (APR) 1
Fresh Start Auto Loan16.24%

Rates current as of April 23, 2026

1. Annual Percentage Rate (APR) is accurate as of April 23, 2026. The rate schedule states rates applicable to specified accounts. All rates are subject to change. For more information, contact the loan department.

Recreation Loan Rates

TermAnnual Percentage Rate (APR) 1Example 2
36 MonthsRates as low as 4.79%$29.88
48 MonthsRates as low as 5.05%$23.05
60 MonthsRates as low as 5.05%$18.89
72 MonthsRates as low as 5.05%$16.13
84 MonthsRates as low as 5.10%$14.18
96 MonthsRates as low 5.60%$12.95
108 MonthsRates as low as 6.00%$12.01
120 MonthsRates as low as 6.40%$11.30

Rates current as of April 23, 2026

1. Annual Percentage Rate (APR) is accurate as of April 23, 2026 The rate schedule states rates applicable to specified accounts. All rates are subject to change. Recreation loan rates are based on creditworthiness and age of collateral. For more information, contact the loan department.

2. Example is based on payment per $1,000.

Mortgage Rates

Product TypeTermInterest RateAnnual Percentage Rate (APR)1Example2
Mortgage - Fixed Rate5 Yearas low as 5.00%5.534%$18.87
Mortgage - Fixed Rate10 Yearas low as 5.25%5.535%$10.73
Mortgage - Fixed Rate15 Yearas low as 5.50% 5.703%$8.17
Mortgage - Adjustable Rate 31 Year ARMas low as 5.50%6.23%$5.68
Mortgage - Adjustable Rate 33 Year ARMas low as 5.50%6.12%$5.68
Mortgage - Adjustable Rate 35 Year ARMas low as 5.75%6.12%$5.84
Mortgage - Adjustable Rate 37 Year ARMas low as 5.80%6.15%$5.87
Mortgage - Adjustable Rate 310 Year ARMas low as 6.00%6.17%$6.00

Rates current as of April 23, 2026

1. Annual Percentage Rate (APR) is accurate as of April 23, 2026. This rate schedule states rates applicable to specified accounts. All rates are subject to change and based on 80% LTV. For information, contact the mortgage department.

2. Example is based on payment per $1,000 for loan amount of $150,000.

3. APR can increase or decrease after the initial ARM term.

5.  All 1st Mortgage Jumbo Loans Fixed and ARM over $832,750.00 add .75% to the interest rate which will affect the APR.

HELOC Rates

Product TypeTermInterest RateAnnual Percentage Rate (APR) 1
HELOC - Adjustable Rate 210 YearsAs low as 6.75%As low as 6.75%

Rates current as of April 23, 2026

1.  Annual Percentage Rate (APR) is accurate as of April 23, 2026. This rate schedule states rates applicable to specified accounts. All rates are subject to change and based on 80% LTV. For information, contact the mortgage department.

2. Rate is based on PRIME rate and can fluctuate monthly. Interest payments only.

Home Equity Loans/2nd Mortgage Rates

Product TypeTermInterest RateAnnual Percentage Rate (APR) 1Example 2
Home Equity - Fixed Rate5 Yearsas low as 5.74%as low as 6.290%$19.10
Home Equity - Fixed Rate 10 Yearsas low as 5.99%as low as 6.286%$11.10
Home Equity - Fixed Rate15 Yearsas low as 6.49%as low as 6.705%$8.71

Rates current as of April 23, 2026

1. Annual Percentage Rate (APR) is accurate as of April 23, 2026. This rate schedule states rates applicable to specified accounts. All rates are subject to change and based on 80% LTV. For information, contact the mortgage department.

2. Example is based on payment per $1,000 for loan amount of $150,000.

Construction Loan Rates

Product TypeTermInterest RateAnnual Percentage Rate (APR) 1Example 2
Construction - Fixed Rate 312 Monthas low as 6.50%as low as 9.048%$86.30

Rates current as of April 23, 2026

1. Annual Percentage Rate (APR) is accurate as of April 23, 2026. This rate schedule states rates applicable to specified accounts. All rates are subject to change. For information, contact the mortgage department.

2. Example is based on payment per $1,000 for loan amount of $150,000.

3. Construction rate is fixed for a twelve-month building period; Construction loans may be modified to a mortgage product after a 12-month period. A balloon payment for $1,085.38 would be due based on payment example if the construction loan is not modified to a mortgage loan.

Land Loan Rates

Product TypeTermInterest RateAnnual Percentage Rate (APR) 1Example 2
Land - Fixed Rate5 Year Fixedas low as 6.70%as low as 7.272%$19.66
Land - Fixed Rate10 Year Fixedas low as 6.85%as low as 7.159%$11.53
Land - Fixed Rate15 Year Fixedas low as 7.15%as low as 7.374% $9.07

Rates current as of April 23, 2026

1. Annual Percentage Rate (APR) is accurate as of April 23, 2026. This rate schedule states rates applicable to specified accounts. All rates are subject to change. For information, contact the mortgage department.

2. Example is based on payment per $1,000 for loan amount of $150,000.

Note: “APY” stands for Annual Percentage Yield. These accounts earn interest at a variable rate. APY is accurate as of April 23, 2026. These rates may change at any time without prior notice. Fees could reduce earnings on the account.