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Rates

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Personal Rates

Deposit Rates

Savings Accounts
Effective Date: Saturday, February 24th, 2024
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Interest
Prime Savings* 0.05% 0.05% $50
Special Savings 0.05% 0.05% $50
Christmas Club 0.05% 0.05% $50
Vacation Club 0.05% 0.05% $50
*$5 minimum opening deposit required

Health Savings Account
Effective Date: Saturday, February 24th, 2024
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAPY*Dividend RateMinimum to Earn Interest
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+

Money Market Accounts
Effective Date: Saturday, February 24th, 2024
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Interest
Tiered Rates 0.05% 0.05% $2,500 - $9,999.99
  0.15% 0.15% $10,000 - $24,999.99
  0.20% 0.20% $25,000 - $49,999.00
  1.00% 1.00% $50,000 - $99,999.99
  1.25% 1.24% $100,000+

IRA Share
Effective Date: Saturday, February 24th, 2024
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Interest
Coverdell ESA 0.50% 0.50% $1
Traditional 0.50% 0.50% $1
Roth 0.50% 0.50% $1
*$5 minimum opening deposit required

Certificate Rates
Effective Date: Saturday, February 24th, 2024
Subject to change. Dividends are calculated daily and credited monthly.
CertificatesAnnual Percentage Yield (APY) | Dividend Rate (Premier & Access Premier)Annual Percentage Yield (APY) | Dividend Rate (Student, Basic, Access & Classic)Minimum Balance
3-Month Certificate 0.80% | 0.80% 0.55% | 0.55% $500
6-Month Certificate 0.85% | 0.85% 0.60% | 0.60% $500
9-Month Certificate 1.50% | 1.49% 1.25% | 1.24% $500
12-Month Certificate 4.50% | 4.41% 4.25% | 4.17% $500
18-Month Certificate 3.75% | 3.69% 3.50% | 3.44% $500
24-Month Certificate 3.50% | 3.44% 3.25% | 3.20% $500
30-Month Certificate 3.25% | 3.20% 3.00% | 2.96% $500
36-Month Certificate 3.00% | 2.96% 2.75% | 2.72% $500
48-Month Certificate 3.00% | 2.96% 2.75% | 2.72% $500
60-Month Certificate 3.00% | 2.96% 2.75% | 2.72% $500

Traditional, Roth & Coverdell Certificates
Effective Date: Saturday, February 24th, 2024
Subject to change. Dividends are calculated daily and credited monthly.
Traditional, Roth &
Coverdell Certificates
Annual Percentage Yield (APY) | Dividend Rate (Premier & Access Premier)Annual Percentage Yield (APY) | Dividend Rate (Student, Basic, Access & Classic)Minimum Balance
12-Month IRA/ESA Certificate 4.50% | 4.41% 4.25% | 4.17% $500
18-Month IRA/ESA Certificate 3.75% | 3.69% 3.50% | 3.44% $500
24-Month IRA/ESA Certificate 3.50% | 3.44% 3.25% | 3.20% $500
30-Month IRA/ESA Certificate 3.25% | 3.20% 3.00% | 3.20% $500
36-Month IRA/ESA Certificate 3.00% | 2.96% 2.75% | 2.72% $500
48-Month IRA/ESA Certificate 3.00% | 2.96% 2.75% | 2.72% $500
60-Month IRA/ESA Certificate 3.00% | 2.96% 2.75% | 2.72% $500

Checking Accounts
Effective Date: Saturday, February 24th, 2024
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Interest
Interest Checking 0.10% 0.10% $500
HSA Checking Tiered Rates 0.25% 0.25% $0 - $4,999.99
  1.00% 1.00% $5,000 - $9,999.99
  1.11% 1.10% $10,000+

Credit Card Rates

Credit Cards
Effective Date: Saturday, February 24th, 2024
NameAnnual Percentage Rate (APR)
Visa Platinum As low as 12.99% (Prime + 4.74)*
Visa Signature As low as 15.15% (Prime + 6.90)*
*Rates are based on credit score. Your rate may be higher.

Loan Rates

Personal Loans
Effective Date: Saturday, February 24th, 2024
Subject to change.
intentionally empty table headerConsumer Secured Loans (Autos, Boats, RVs, Motorcycles, Tractors, etc.)Signature LoansShare/Certificate Secured LoanCredit Builder Plus LoanOpen End Line of Credit
Amount $5,000 minimum $1,500 minimum $1,000 minimum $1,000 - $5,000 $500 - $8,000
Annual Percentage Rate (APR) As low as 6.99%* As low as 12.24%* 2% over share or certificate rate 8.50% 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: Saturday, February 24th, 2024
Subject to change. All rates shown as Annual Percentage Rate (APR).
intentionally empty table headerHome Equity LoanHome Equity Visa Line of Credit*
Amount $5,000 minimum $5,000 minimum
Annual Percentage Rate (APR) As low as 7.74% APR Prime rate + 0% variable rate with 5.99% floor
Early Closure Fee   Fee charged equal to closing fees if closed in the first two years
*Interest rate is adjusted annually.

Mortgage Rates (Fixed)
Effective Date: Saturday, February 24th, 2024
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
RateAnnual Percentage Rate (APR)
30-Year Fixed 7.125% 7.324%
20-Year Fixed 6.875% 7.131%
15-Year Fixed 6.750% 7.068%
30-Year USDA 7.500% 8.305%
Home Ready 7.500% 7.703%
1-Time Construction (Other) 7.125% 7.324%
30-Year FHA 7.125% 8.216%
30-Year VA 7.125% 7.482%
Lot loans - Please contact our morgtage department for rates    

Mortgage Rates (Adjustable)
Effective Date: Saturday, February 24th, 2024
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 MortgagesMortgage RateAnnual Percentage Rate (APR)
30-Year 1/1 ARM 6.625% 6.818%
15-Year 1/1 ARM 6.500% 6.815%
30-Year 3/1 ARM 6.750% 6.944%
15-Year 3/1 ARM 6.625% 6.941%
30-Year 5/1 ARM 6.875% 7.071%
15-Year 5/1 ARM 6.750% 7.068%
30-Year 5/5 ARM 7.000% 7.197%
15-Year 5/5 ARM 6.875% 7.194%
30-Year 7/1 ARM 7.125% 7.324%
15-Year 7/1 ARM 7.000% 7.320%

Business Rates

Deposit Rates

Savings Rates
Effective Date: Saturday, February 24th, 2024
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Interest
Business Savings* 0.05% 0.05% $50
Business Money Market Accounts** Tiered Rates      
  0.05% 0.05% $100 - $9,999.99
  0.15% 0.15% $10,000 - $24,999.99
  0.25% 0.25% $25,000 - $49,999.99
  0.35% 0.35% $50,000 - $99,999.99
  3.00% 2.96% $100,000+
*$5 minimum opening deposit required
**$100 minimum opening deposit

Certificate Rates
Effective Date: Saturday, February 24th, 2024
Subject to change. Dividends are calculated daily and credited monthly.
CertificatesAnnual Percentage Yield (APY)Dividend RateMinimum Balance
12-Month Business Certificate 4.25% 4.17% $500
18-Month Business Certificate 3.50% 3.44% $500
24-Month Business Certificate 3.25% 3.20% $500
30-Month Business Certificate 3.00% 2.96% $500
36-Month Business Certificate 2.75% 2.72% $500
48-Month Business Certificate 2.75% 2.72% $500
60-Month Business Certificate 2.75% 2.72% $500

Checking Rates
Effective Date: Saturday, February 24th, 2024
Subject to change. Dividends are calculated daily and credited monthly.
Type of AccountAnnual Percentage Yield (APY)Dividend RateMinimum to Earn Interest
Business Checking* 0.15% 0.15% $10,000
Non-Profit Checking* Tiered Rates
  0.15% 0.15% $5,000 - $24,999.99
  0.25% 0.25% $25,000 - $49,999.99
  0.35% 0.35% $50,000 - $99,999.99
  3.00% 2.96% $100,000+
*$100 minimum opening deposit