APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Loan rates accurate as of January 27, 2025. Savings rates accurate as of October 27, 2025.
Rates and rewards are variable and may change after account is opened.
Fees may reduce earnings.
Vehicle / Watercraft Loans
| Loan Type | Available Terms* | APR as low as |
|---|---|---|
| New Automobile | 36 - 84 months* | 5.24% |
| Used Automobile | 36 - 84 months* | 5.74% |
| New Motorcycle | 36 - 60 months* | 7.24% |
| Used Motorcycle | 36 - 60 months* | 7.74% |
| New Harley Motorcycle | 36 - 84 months* | 6.74% |
| Used Harley Motorcycle | 36 - 84 months* | 7.24% |
| New Boat | 36 - 180 months* | 7.24% |
| Used Boat | 36 - 180 months* | 7.74% |
| New Personal Watercraft | up to 48 months* | 7.24% |
| Used Personal Watercraft | up to 36 months* | 7.74% |
Rates above are all fixed for the term of the loan. *APR = Annual Percentage Rate. Rates and terms based on individual credit worthiness and other restrictions may apply. Terms shown include the maximum allowed. Rates quoted above may be for shorter terms and represent the "as low as" rate. Contact the credit union about specific rates and terms.
Home Equity / RV Loans
| Loan Type | Maximum Terms* | APR* as low as | Rate Type | Details |
|---|---|---|---|---|
| Home Equity (80% LTV) | 180 months* | 7.50% | Variable | No closing costs up to $500 First or second mortgage |
| Home Equity (90% LTV) | 180 months* | 11.50% | Variable | No closing costs up to $500 First or second mortgage |
| Home Equity (80% LTV) | 60 months* | 6.99% | Fixed | No closing costs up to $500 First or second mortgage |
| Home Equity (80% LTV) | 120 months* | 7.99% | Fixed | No closing costs up to $500 First or second mortgage |
| New Recreational Vehicle | 180 months* | 7.24% | Fixed | 90% financing of MSRP/List |
| Used Recreational Vehicle | 180 months* | 7.74% | Fixed | 80% financing of JD Power High Retail |
*APR = Annual Percentage Rate. Rates and terms based on individual credit worthiness and other restrictions may apply. Terms shown above are the maximum allowed. Rates quoted above may be for shorter terms and represent the "as low as" rate. Contact the credit union about specific rates and terms.
Personal Loans
| Loan Type | Maximum Terms* | APR* as low as |
|---|---|---|
| Signature | 60 months* | 9.50% |
| Line of Credit | 60 months* | 11.00% |
Personal loans have a fixed Annual Percentage Rate.
*APR = Annual Percentage Rate. Rates and terms based on individual credit worthiness and other restrictions may apply. Terms shown above are the maximum allowed. Rates quoted above may be for shorter terms and represent the "as low as" rate. Contact the credit union about specific rates and terms.
Credit Cards Learn More
| Loan Type | APR* as low as | Rate Type |
|---|---|---|
| VISA Platinum* | 13.05% | Variable |
| VISA CURewards Platinum* | 14.05% | Variable |
Credit Card Note: No annual fee. $25,000 maximum limit.
Subject to change without notice.
*APR = Annual Percentage Rate. Rates and terms based on individual credit worthiness and other restrictions may apply. Terms shown above are the maximum allowed. Rates quoted above may be for shorter terms and represent the "as low as" rate. Contact the credit union about specific rates and terms.
Savings
| Account Name | Dividend Rate | APY* | Minimum Deposit to Open Account |
Minimum Balance to Obtain APY |
|---|---|---|---|---|
| Regular Share | 0.049% | 0.05% | $5.00 | $5.00 |
| Youth Share* | 4.990% | 5.10% | $5.00 | $5.00 |
| Christmas Club | 0.049% | 0.05% | $5.00 | $5.00 |
Compounded monthly. *On balances up to $500.00 then prevailing Regular Share rate applies.
Choice Plus+ Checking Learn More
| Balance | Dividend Rate | APY | Minimum Balance to Obtain APY |
|---|---|---|---|
| Up to $2,500 (if criteria met) | 2.471% | 2.50% | $4,000 |
| $2,500+ | 0.01% | 0.01% | $4,000 |
$4,000.00 average daily balance is required in order to receive the dividend rate of 2.50% APY on first $2,500.00. Balances exceeding $2,500.00 will earn 0.01% APY. If $4,000.00 average daily balance is not maintained, then no dividend will be paid.
Money Market Learn More
| Minimum Balance to Obtain APY | Dividend Rate | APY |
|---|---|---|
| $50,000.00 & UP | 1.440% | 1.45% |
| $25,000.00 - 49,999.99 | 1.341% | 1.35% |
| $10,000.00 - 24,999.99 | 1.143% | 1.15% |
| $2,000.00- 9,999.99 | 0.995% | 1.00% |
$2,000.00 Minimum Deposit to Open Account. Compounded monthly.
IRA Money Market Learn More
| Minimum Balance to Obtain APY | Dividend Rate | APY |
| $50,000.00 & UP | 2.227% | 2.25% |
| $25,000.00 - 49,999.99 | 2.129% | 2.15% |
| $10,000.00 - 24,999.99 | 1.932% | 1.95% |
| $2,000.00 - 9,999.99 | 1.736% | 1.75% |
$2,000.00 Minimum Deposit to Open Account. Compounded monthly.
IRA Share Savings Learn More
| Account Name | Dividend Rate | APY |
|---|---|---|
| IRA Share Savings | 0.249% | 0.25% |
| Roth IRA Share Savings | 0.249% | 0.25% |
$5.00 Minimum Deposit to Open Account. $5.00 Minimum Balance to Obtain APY. Compounded monthly.
Share Certificates Learn More
| Term | Dividend Rate | APY |
|---|---|---|
| 6-Month Share Certificate | 3.202% | 3.25% |
| 1-Year Share Certificate | 3.202% | 3.25% |
| 18-Month Certificate | 3.202% | 3.25% |
| 2-Year Share Certificate | 2.959% | 3.00% |
| 3-Year Share Certificate | 2.959% | 3.00% |
| 4-Year Share Certificate | 2.959% | 3.00% |
| 5-Year Share Certificate | 2.959% | 3.00% |
Compounded daily. Penalty for early withdrawal.
$500.00 Minimum Deposit to Open Account; $500.00 Minimum Balance to Obtain APY.
Jumbo Share Certificates Learn More
| Term | Dividend Rate | APY |
|---|---|---|
| 6-Month Share Certificate | 3.396% | 3.45% |
| 1-Year Share Certificate | 3.396% | 3.45% |
| 18-Month Share Certificate | 3.396% | 3.45% |
| 2-Year Share Certificate | 3.154% | 3.20% |
| 3-Year Share Certificate | 3.154% | 3.20% |
| 4-Year Share Certificate | 3.154% | 3.20% |
| 5-Year Share Certificate | 3.154% | 3.20% |
Compounded daily. Penalty for early withdrawal.
$100,000.00 Minimum Deposit to Open Account; $100,000.00 Minimum Balance to Obtain APY.