Rates & Fees
Deposit Rates
Regular Shares & Club Shares
Effective June 1, 2025
| Details/Amount | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| $5 to $24,999 | 0.10% | 0.10% |
| $25,000 & Over | 0.10% | 0.10% |
Money Market ^
| Details/Amount | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| $5,000 to $24,999 | 0.75% | 0.75% |
| $25,000 & Over | 1.75% | 1.77% |
IRAs
| Details/Amount | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| Traditional IRA, Roth IRA, & Coverdell ESA (Education Savings Account) |
0.10% | 0.10% |
Checking Accounts
| Details/Amount | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| Share Draft (Checking) | 0.01% | 0.01% |
Share Certificate Rates
Share Certificates - $500 Minimum**
Effective May 1, 2025
| Term | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 6 Months | 3.65% | 3.72% |
| 12 Months | 4.00% | 4.08% |
| 18 Months | 3.00% | 3.05% |
| 24 Months | 2.00% | 2.02% |
Jumbo Share Certificates - $25,000 Minimum**
| Term | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 6 Months | 3.65% | 3.72% |
| 12 Months | 4.10% | 4.18% |
| 18 Months | 3.25% | 3.30% |
| 24 Months | 2.25% | 2.28% |
IRA Share Certificates - $500 Minimum**
| Term | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 6 Months | 3.65% | 3.72% |
| 12 Months | 4.00% | 4.08% |
| 18 Months | 3.00% | 3.05% |
| 24 Months | 2.00% | 2.02% |
Jumbo IRA Share Certificates - $25,000 Minimum**
| Term | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 6 Months | 3.65% | 3.72% |
| 12 Months | 4.10% | 4.18% |
| 18 Months | 3.25% | 3.30% |
| 24 Months | 2.25% | 2.28% |
^ Up to 6 withdrawals per month, no minimum transfer amount.
^^ Early withdrawal penalty may apply.
Loan Rates
Effective May 1, 2025
| Loan Type | Annual Percentage Rate As Low As |
|---|---|
| New Auto Loans | 5.34% |
| Pre-Owned Auto Loans | 6.09% |
| New Motorcycle Loans | 6.64% |
| Pre-Owned Motorcycle Loans | 7.14% |
| New RV, Motorhome, & Boat Loans | 6.89% |
| Pre-Owned RV, Motorhome, & Boat Loans | 7.64% |
| Share Secured Loans | 2.01% |
| Unsecured Personal Loans | 9.64% |
| Visa Titanium™ Credit Card | 9.90% |
| Visa Platinum™ Credit Card | 10.90% |
| Visa Gold™ Credit Card | 12.90% |
| Home Equity Loans | 6.15% |
*Rates may vary based on term and creditworthiness, and the Board of Directors has the right to change all rates without advance notice.
For information on mortgage rates and refinancing please call 1 (877) 343-9724.
NMLS ID# 787550
Fee Schedule
Effective May 1, 2025
| Fee Description | Amount |
|---|---|
| Returned Deposit Item | $30.00 |
| Stop Payment (all items including ACH) | $30.00 |
| NSF Fee (item paid or returned) | $30.00 |
| Courtesy Pay Fee | $30.00 |
| Copy of Check | $3.50 |
| Counter Checks for Third Party | $3.00 |
| Outgoing Wire Fee Domestic | $25.00 |
| Research Fee | $20.00 |
| Statement Copy | $1.00 (per page) |
| Return Statement Fee | $10.00 |
| Lost Credit/Debit Card | $25.00 (first replacement is free) |
| Expedited Delivery | $35 (additional) |
| ATM Foreign Card Fee | $2.50 |
| Closed Account Fee | $5 (if open less than 6 months) |
| Escheatment Fee | $100 |
| Garnishment Fee | $125 |
| Legal Process Fee | $125 |
| Excess Money Market Withdrawal Fee | $3.00 (per withdrawal in excess of 6) |