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Rates

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Personal Rates

Deposit Rates

Savings Accounts
Effective Date: Sunday, November 27th, 2022
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: Sunday, November 27th, 2022
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% $0-$4,999.99
  1.00% 1.00% $5,000-$9,999.99
  1.11% 1.10% $10,000+

Money Market Accounts
Effective Date: Sunday, November 27th, 2022
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
  0.30% 0.30% $50,000 and up

IRA Share
Effective Date: Sunday, November 27th, 2022
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 of Deposit Rates
Effective Date: Sunday, November 27th, 2022
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 0.85% | 0.85% 0.60% | 0.60% $500
12 Month Certificate 0.95% | 0.95% 0.70% | 0.70% $500
18 Month Certificate 3.30% | 3.25% 3.05% | 3.00% $500
24 Month Certificate 3.30% | 3.25% 3.05% | 3.00% $500
30 Month Certificate 3.30% | 3.25% 3.05% | 3.00% $500
36 Month Certificate 1.30% | 1.29% 1.05% | 1.04% $500
48 Month Certificate 1.40% | 1.39% 1.15% | 1.14% $500
60 Month Certificate 1.50% | 1.49% 1.25% | 1.24% $500

Traditional, Roth & Coverdell Certificates
Effective Date: Sunday, November 27th, 2022
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 Certificate 0.95% | 0.95% 0.70% | 0.70% $500
18 Month IRA Certificate 3.30% | 3.25% 3.05% | 3.30% $500
24 Month IRA Certificate 3.30% | 3.25% 3.05% | 3.00% $500
30 Month IRA Certificate 3.30% | 3.25% 3.05% | 3.00% $500
36 Month IRA Certificate 1.30% | 1.29% 1.05% | 1.04% $500
48 Month IRA Certificate 1.40% | 1.39% 1.15% | 1.14% $500
60 Month IRA Certificate 1.50% | 1.49% 1.25% | 1.24% $500

Checking Accounts
Effective Date: Sunday, November 27th, 2022
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: Sunday, November 27th, 2022
NameAnnual Percentage Rate (APR)
Visa Platinum As low as 10.99% (Prime + 4.74)*
Visa Signature As low as 13.15% (Prime + 6.90)*
*Rates are based on credit score. Your rate may be higher.

Loan Rates

Personal Loans
Effective Date: Sunday, November 27th, 2022
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 $2,500 minimum $1,500 minimum $1,000 minimum $1,000 - $5,000 $500 - $8,000
Annual Percentage Rate (APR) As low as 4.74%* As low as 10.99%* 2% over share or certificate rate 12.00% 11.90%
*Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier relationship discount of 0.25% APR.

Home Loan Rates

Home Equity Rates
Effective Date: Sunday, November 27th, 2022
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 6.49% APR 3.99% for first 12 months then 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: Sunday, November 27th, 2022
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 7.000% 7.197%
20-Year Fixed 6.625% 6.878%
15-Year Fixed 6.625% 6.941%
30-Year USDA 7.125% 7.912%
30-Year FHA 6.750% 7.832%
30-Year VA 6.750% 7.099%
1-Time Construction (Other) 7.250% 7.450%
Home Ready 7.000% 7.197%

Mortgage Rates (Adjustable)
Effective Date: Sunday, November 27th, 2022
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)
1/1 ARM 6.000% 6.186%
3/1 ARM 6.000% 6.186%
5/1 ARM 6.125% 6.312%
7/1 ARM 6.125% 6.312%
10/1 ARM 6.375% 6.565%

Business Rates

Deposit Rates

Savings
Effective Date: Sunday, November 27th, 2022
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% $0
  0.15% 0.15% $10,000
  0.25% 0.25% $25,000
  0.35% 0.35% $50,000
  0.50% 0.50% $100,000
*$5 minimum opening deposit required
**$100 minimum opening deposit

Checking Rates
Effective Date: Sunday, November 27th, 2022
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
  0.25% 0.25% $25,000
  0.35% 0.35% $50,000
  0.50% 0.50% $100,000
*$100 minimum opening deposit