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Rates

Quickly check our latest rates for everything from savings accounts to a home equity loan.

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Credit Card

Credit Card Rates

TypeAPR*Monthly Payment
Visa® Platinum Rewards10.65% to 13.65%1the greater of 2% of the outstanding balance or $10
Visa® Platinum9.65% to 18%1the greater of 2% of the outstanding balance or $10
Visa® Platinum Secured9.65%1the greater of 2% of the outstanding balance or $10
Rates are effective: June 27, 2022
The current prime rate is 4.00%. *APR denotes Annual Percentage Rate. 1Variable Rate. All advances are subject to a Variable Interest Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall Street Journal in effect on the last business day of each calendar month (“Index”) plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to your remaining principal balance.

The Margin that will apply to your VISA® Platinum Account is 5.65%-14.50%, based on your creditworthiness at the time you establish your Account. The Margin that will apply to your VISA® Platinum Rewards Account is 6.65%-9.65%, based on your creditworthiness at the time you establish your Account. The Margin that will apply to your VISA® Platinum Secured Account is 5.65%.

Savings Account

Savings Account Rates

TypeMinimum BalanceAPY*Dividend Rate
Savings Account (S1)$5.000.05%0.05%
Holiday Account (S2)$00.05%0.05%
Vacation Account (S3)$00.05%0.05%
Special Account (S6)$00.05%0.05%
Dividend Rates and Annual Percentage Yields are effective: June 1, 2022
*APY denotes Annual Percentage Yield. Rates are subject to change without notice. Withdrawals could reduce the earnings on accounts. Dividends are earned daily and credited monthly on the last day of each month for savings accounts.

Money Market

Money Market Rates

TermAPY*Dividend Rate
$0 - $2,499.990%0%
$2,500 - $9,999.990.10%0.10%
$10,000 - $24,999.990.15%0.15%
$25,000 - $74,999.990.15%0.15%
$75,000+0.20%0.20%
Dividend Rates and Annual Percentage Yields are effective: September 1, 2020
*APY denotes Annual Percentage Yield. Rates are subject to change without notice. Withdrawals could reduce the earnings on accounts.

Share & IRA Share Certificate

Share & IRA Share Certificate Rates

TermAPY*Dividend Rate
6 months0.15%0.15%
8 months0.25%0.25%
12 months0.25%0.25%
15 months0.35%0.35%
18 months0.30%0.30%
24 months0.30%0.30%
30 months0.35%0.35%
36 months0.40%0.40%
48 months10.45%0.45%
60 months10.50%0.50%
Dividend Rates and Annual Percentage Yields are effective: February 26, 2021
*APY denotes Annual Percentage Yield. Rates are subject to change without notice. 1A better People Perks rate may be possible based upon your relationship with People First. Minimum opening deposit is $500. Withdrawals could reduce the earnings on accounts. Penalty for early withdrawal. Individual Retirement Account (IRA) rates include Traditional, Roth, and Education IRAs.

Borrow

New & Used Auto Loan

New & Used Auto Loan Rates1

Loan TypeUp to 36 months
APR* as low as
37-48 months
APR* as low as
49-60 months
APR* as low as
61-72 months3
APR* as low as
73-84 months4
APR* as low as
New Auto2.49%2.74%2.74%3.24%3.74%
Approx. Loan Payment2$28.80$22.02$17.86$15.31$13.56
Used Auto2.49%2.99%3.24%3.49%3.99%
Approx. Loan Payment2$28.80$22.13$18.08$15.42$13.67
Older Auto54.24%4.24%5.24%N/AN/A
Approx. Loan Payment2$29.53$22.61$18.91N/AN/A
Loan rates are effective: March 5, 2021
*APR denotes Annual Percentage Rate. Rates are subject to change without notice. Rates are based upon an evaluation of applicant credit. Actual rates may vary. 1A better People Perks rate may be possible based upon your relationship with People First. 2All payments quoted above are based upon $1,000 borrowed. In order to obtain an estimated monthly payment for a specified loan amount, multiply the monthly payment factor listed above for the desired loan term by the number of thousand dollars borrowed or calculate your payment with our Loan Calculator. 3Used auto loans only: Current and Previous five (5) model years only. 4Used auto loans only: Current and Previous two (2) model years only. 5Vehicles older than eight (8) model years.

Home Equity Fixed-Rate Loan

Home Equity Fixed-Rate Loan

TermAPR*Approx. Loan Payment1
36 months3.49%$29.22
60 months3.49%$18.14
120 months3.74%$9.98
180 months4.24%$7.50
240 months6.24%$7.27
Loan rates are effective: November 1, 2021
*APR denotes Annual Percentage Rate. Rates are subject to change without notice. Rates are based upon evaluation of applicant credit. Actual rates may vary. 1All payments quoted above are based upon $1,000 borrowed. In order to obtain an estimated monthly payment for a specified loan amount, multiply the monthly payment factor for the desired loan term by the number of thousand dollars borrowed. Calculate your payment with our Loan Calculator.

Home Equity Line of Credit

Home Equity Line of Credit Rates

TermAPR*Approx. Loan Payment
N/A4.00%1Minimum monthly payment of $100
Loan rates are effective: June 1, 2022
The current prime rate is 4.00%. *APR denotes Annual Percentage Rate. Rates are subject to change without notice. Rates are based upon evaluation of applicant credit. Actual rates may vary. 1The line of credit rate is subject to change monthly. The rate is based on the prime rate as published in the Wall Street Journal on the last business day of the month plus a 0.0% Margin rounded up to the nearest 0.25%. The minimum APR is 3.99% and the maximum APR is 18%.

New & Used Motorcycle

New & Used Motorcycle Rates1

Loan TypeUp to 36 months
APR* as low as
37-48 months
APR* as low as
49-60 months
APR* as low as
61-72 months
APR* as low as
New Motorcycles3.74%3.74%4.74%5.99%
Approx. Loan Payment2$29.32$22.40$18.69$16.49
Used Motorcycles4.74%4.74%5.74%N/A
Approx. Loan Payment2$29.75$22.83$19.13N/A
Loan rates are effective: March 5, 2021
*APR denotes Annual Percentage Rate. Rates are subject to change without notice. Rates are based upon evaluation of applicant credit. Actual rates may vary. 1A better People Perks rate may be possible based upon your relationship with People First. 2All payments quoted above are based upon $1,000 borrowed. In order to obtain an estimated monthly payment for a specified loan amount, multiply the monthly payment factor listed above for the desired loan term by the number of thousand dollars borrowed or calculate your payment with our Loan Calculator.

Unsecured Fixed Loan

Unsecured Fixed-Rate Loan1

TermAPR* as low asApprox. Loan Payment2
up to 12 months5.99%3$86.05
up to 36 months6.24%3$30.53
up to 60 months7.24%3$19.92
Loan rates are effective: November 1, 2021
*APR denotes Annual Percentage Rate. 1A better People Perks rate may be possible based upon your relationship with People First. 2Payments quoted above are based upon $1,000 borrowed. In order to obtain an estimated monthly payment for a specified loan amount, multiply the monthly payment factor listed above for the desired loan term by the number of thousand dollars borrowed or calculate your payment with our Loan Calculator. 3The fixed rate is the lowest rate offered for this product. Rates are based upon evaluation of applicant credit. Actual rates may vary.

Personal Line of Credit

Personal Line of Credit Rate

TypeAPR*Payment Schedule
Variable10.75%1Minimum monthly payment $25
Loan rates are effective: June 1, 2022
The current prime rate is 4.00%. *APR denotes Annual Percentage Rate. 1The variable line of credit rate is subject to change monthly. The rate is based on the prime rate as published in the Wall Street Journal on the last business day of the month plus a 6.75% Margin rounded up to the nearest 0.25%. The maximum APR is 18%.

Business Rates

Business Credit Card

Business Credit Card

TypeAPR*Monthly Payment
Visa Platinum11.65%-16.65%the greater of 2% of the outstanding balance of $10
Rates are effective: June 27, 2022
The current prime rate is 4.00%. *APR denotes Annual Percentage Rate. 1Variable Rate. All advances are subject to a Variable Interest Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall Street Journal in effect on the last business day of each calendar month (“Index”) plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to your remaining principal balance.

The Margin that will apply to your VISA® Platinum Account is 7.65%-12.65%, based on your creditworthiness at the time you establish your Account.

Business Checking Account 150, 300, & 450

Business Checking Account 150, 300, & 450

Balance RequirementsAPY*Dividend Rate
$0.00 - $2,499.990%0%
$2,500.00 - $9,999.990.05%0.05%
$10,000.00 - $24,999.990.10%0.10%
$25,000.00+0.15%0.15%
Dividend Rates and Annual Percentage Yields are effective: May 1, 2021
*APY denotes Annual Percentage Yield. Rates are subject to change without notice. Withdrawals could reduce the earnings on accounts.

Business Money Market

Business Money Market Rates

TermAPY*Dividend Rate
$0 - $2,499.990%0%
$2,500 - $9,999.990.10%0.10%
$10,000 - $24,999.990.15%0.15%
$25,000 - $74,999.990.15%0.15%
$75,000+0.20%0.20%
Dividend Rates and Annual Percentage Yields are effective: September 1, 2020
*APY denotes Annual Percentage Yield. Rates are subject to change without notice. Withdrawals could reduce the earnings on accounts.

Business Savings

Business Savings Rates

TypeMinimum BalanceAPY*Dividend Rate
Savings Account (S1)$5.000.05%0.05%
Holiday Account (S2)$00.05%0.05%
Vacation Account (S3)$00.05%0.05%
Special Account (S6)$00.05%0.05%
Dividend Rates and Annual Percentage Yields are effective: June 1, 2022
*APY denotes Annual Percentage Yield. Rates are subject to change without notice. Withdrawals could reduce the earnings on accounts. Dividends are earned daily and credited monthly on the last day of each month for savings accounts.