Deposit Rates
Savings Accounts Rates
Effective Date: Tuesday, September 22nd, 2026
Subject to change. APY = Annual Percentage Yield. The APY is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield | Dividend Rate |
|---|---|---|
| Prime Savings* | 0.05% | 0.05% |
| Special Savings | 0.05% | 0.05% |
| Vacation Club | 0.05% | 0.05% |
| Christmas Club | 0.05% | 0.05% |
| *$5 minimum opening deposit required. $5 minimum balance required after account opening. | ||
| Minimum to earn dividends is $50 | ||
Interest Checking Account Rate
Effective Date: Tuesday, September 22nd, 2026
Subject to change. APY = Annual Percentage Yield. The APY is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Dividends are calculated daily and credited monthly.
| Annual Percentage Yield | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|
| 0.10% | 0.10% | $500 |
Certificate Rates
Effective Date: Tuesday, September 22nd, 2026
Subject to change. APY = Annual Percentage Yield. The APY is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Dividends are calculated daily and credited monthly.
| Certificates Terms | APY | Dividend Rate (Premier Member) | APY | Dividend Rate (Non-premier member) |
|---|---|---|
| 90-Day Certificate | 0.80% | 0.80% | 0.55% | 0.55% |
| 6-Month Certificate | 0.85% | 0.85% | 0.60% | 0.60% |
| 9-Month Certificate | 1.50% | 1.49% | 1.25% | 1.24% |
| 12-Month Certificate | 3.75% | 3.69% | 3.50% | 3.44% |
| 18-Month Certificate | 3.25% | 3.20% | 3.00% | 2.96% |
| 24-Month Certificate | 3.25% | 3.20% | 3.00% | 2.96% |
| 30-Month Certificate | 3.25% | 3.20% | 3.00% | 2.96% |
| 36-Month Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
| 48-Month Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
| 60-Month Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
| The minimum balance to open a certificate is $500. Learn more about our relationship levels program here. | ||
IRA Share Rates
Effective Date: Tuesday, September 22nd, 2026
Subject to change. APY = Annual Percentage Yield. The APY is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield | Dividend Rate |
|---|---|---|
| Traditional | 0.50% | 0.50% |
| Roth | 0.50% | 0.50% |
| *$1 minimum opening deposit required | ||
| Minimum to earn dividends is $1 | ||
Coverdell ESA Rate
Effective Date: Tuesday, September 22nd, 2026
Subject to change. APY = Annual Percentage Yield. The APY is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Dividends are calculated daily and credited monthly.
| Annual Percentage Yield | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|
| 0.50% | 0.50% | $1 |
Traditional & Roth Certificates Rates
Effective Date: Tuesday, September 22nd, 2026
Subject to change. APY = Annual Percentage Yield. The APY is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Dividends are calculated daily and credited monthly.
| Traditional & Roth Certificate Term | APY | Dividend Rate (Premier Member) | APY | Dividend Rate (Non-premier member) |
|---|---|---|
| 12-Month IRA Certificate | 4.50% | 4.41% | 4.25% | 4.17% |
| 18-Month IRA Certificate | 3.50% | 3.44% | 3.25% | 3.20% |
| 24-Month IRA Certificate | 3.50% | 3.44% | 3.25% | 3.20% |
| 30-Month IRA Certificate | 3.25% | 3.20% | 3.00% | 3.20% |
| 36-Month IRA Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
| 48-Month IRA Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
| 60-Month IRA Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
| The minimum balance to open an IRA certificate is $500. Learn more about our relationship levels program here. | ||
Money Market Account Rates
Effective Date: Tuesday, September 22nd, 2026
Subject to change. APY = Annual Percentage Yield. The APY is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Dividends are calculated daily and credited monthly.
| Annual Percentage Yield | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|
| 0.05% | 0.05% | $2,500 - $9,999.99 |
| 0.30% | 0.30% | $10,000 - $24,999.99 |
| 0.60% | 0.60% | $25,000 - $49,999.00 |
| 1.00% | 1.00% | $50,000 - $99,999.99 |
| 1.25% | 1.24% | $100,000+ |
Health Savings Account Rates
Effective Date: Tuesday, September 22nd, 2026
Subject to change. APY = Annual Percentage Yield. The APY is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|---|
| HSA Savings | 0.05% | 0.05% | $50 |
| HSA Checking Tiered Rates | |||
| 0.25% | 0.25% | $1 - $4,999.99 | |
| 1.00% | 1.00% | $5,000 - $9,999.99 | |
| 1.11% | 1.10% | $10,000+ | |
Vehicle Loan Rate
Vehicle Loan Rate
Effective Date: Tuesday, September 22nd, 2026
Subject to change. Vehicle Loans include Autos, Boats, RVs, Motorcycles, Tractors, etc. Model Year 2017-2027 Vehicles.
| Annual Percentage Rate (APR) | Minimum Amount |
|---|---|
| As low as 4.49% | $5,000 |
| *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR. | |
Personal Loan Rates
Loan Rates
Effective Date: Tuesday, September 22nd, 2026
Subject to change.
| intentionally empty table header | Signature Loans | Share/Certificate Secured Loan | Credit Builder Plus Loan | Open End Line of Credit |
|---|---|---|---|---|
| Amount | $1,500 minimum | $1,000 minimum | $1,000 - $5,000 | $500 - $8,000 |
| Annual Percentage Rate (APR) | As low as 12.24%* | 2% over share or certificate rate | 6.75% | 11.90% |
| *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR. | ||||
Home Loan Rates
Home Equity Rates
Effective Date: Tuesday, September 22nd, 2026
Subject to change. All rates shown as Annual Percentage Rate (APR).
| Loan | Amount | Annual Percentage Rate (APR) |
|---|---|---|
| Home Equity Loan | $5,000 minimum | As low as 6.74% APR |
| Home Equity Line of Credit* | $5,000 minimum | Prime rate + 0% variable rate with 5.99% floor |
| *Interest rate is adjusted quarterly. Early closure fee charged equal to closing fees if closed in the first two years. | ||
Fixed Mortgage Rates
Effective Date: Tuesday, September 22nd, 2026
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Fixed Rate Loans Conforming and Government | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 30-Year Fixed | 7.250% | 7.450% |
| 20-Year Fixed | 7.125% | 7.383% |
| 15-Year Fixed | 6.875% | 7.194% |
| 10-Year Fixed | 6.875% | 7.321% |
| Lot loans - Please contact our morgtage department for rates. | ||
Adjustable Mortgage Rates
Effective Date: Tuesday, September 22nd, 2026
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Adjustable-Rate Mortgages | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 30-Year 5/1 ARM | 6.125% | 6.244% |
| 30-Year 5/5 ARM | 6.500% | 6.621% |
| 30-Year 7/1 ARM | 6.875% | 6.999% |
Private Banking Professional Mortgage Rate
Effective Date: Tuesday, September 22nd, 2026
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Name | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 15-Year Fixed | 6.625% | 6.941% |
Visa® Credit Card Rates
Rates
Effective Date: Tuesday, September 22nd, 2026
APR = Annual Percentage Rate. Rates are based on credit score and Prime Rate at the time of application. Rates may change when Prime Rate changes. Your rate may be high as 18.00%.
| Credit Card Type | APR as low as |
|---|---|
| Visa® Platinum | 11.49% (Prime + 4.74)* |
| Visa® Signature | 13.65% (Prime + 6.90)* |
Student Loan Refinance Rate
Student Loan Refinance Rate
Effective Date: Tuesday, September 22nd, 2026
Subject to change.
| Annual Percentage Rate | Loan Amount | Maximum Term |
|---|---|---|
| As low as 5.74% | $5,000 - $100,000 | 10 years |
| Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes automatic payment discount of 2.00% APR. | ||