Rates
Quickly check our latest rates for everything from savings accounts to a home equity loan.
Spend
Credit Card
Credit Card Rates
| Type | APR* | Monthly Payment |
|---|---|---|
| Visa Signature Cashback Card | 15.65% - 18%1 | the greater of 2% of the outstanding balance or $10 |
| Visa® Platinum Rewards | 14.65% - 17.65% 1 | the greater of 2% of the outstanding balance or $10 |
| Visa® Platinum | 13.65% - 18%1 | the greater of 2% of the outstanding balance or $10 |
| Visa® Platinum Secured | 13.65%1 | the greater of 2% of the outstanding balance or $10 |
The current prime rate is 8.00%. *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%-14.65%, 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%. The Margin that will apply to your Visa® Signature Cashback Card is 7.65%-10.65%, based on your creditworthiness at the time you establish your Account.
Hometown Hero Checking
Hometown Hero Checking
| Tier | APY* | Dividend Rate |
|---|---|---|
| $0.00 - $25,000 | 4.00% | 3.93% |
| $25,000.01 - or Greater | 0.50% | 0.50% |
*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. Dividends are paid at tier rates on the balances within each tier. Total dividends paid are the sum of dividends earned from each balance in each tier. Annual Percentage Yield shown is a blended APY of all applicable tiers and assumes funds are on deposit for one year. Limit of one Smart Saver Account per member.
Save
Savings Account
Savings Account Rates
| Type | Minimum Balance | APY* | Dividend Rate |
|---|---|---|---|
| Savings Account (S1) | $5.00 | 0.05% | 0.05% |
| Holiday Account (S2) | $0 | 0.05% | 0.05% |
| Vacation Account (S3) | $0 | 0.05% | 0.05% |
| Special Account (S6) | $0 | 0.05% | 0.05% |
*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.
Smart Saver Account
Smart Saver Account Rates
| Tier | APY* | Dividend Rate |
|---|---|---|
| $0.00 – 2,499.99 | 4.00% | 3.93% |
| $2,500 - $4,999.99 | 2.00% | 1.98% |
| $5,000 - $9,999.99 | 1.00% | 1.00% |
| $10,000+ or greater. | 0.25% | 0.25% - 0.60% |
*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. Dividends are paid at tier rates on the balances within each tier. Total dividends paid are the sum of dividends earned from each balance in each tier. Annual Percentage Yield shown is a blended APY of all applicable tiers and assumes funds are on deposit for one year. Limit of one Smart Saver Account per member.
Money Market
Money Market Rates
| Term | APY* | Dividend Rate |
|---|---|---|
| $0 - $2,499.99 | 0% | 0% |
| $2,500 - $9,999.99 | 0.75% | 0.75% |
| $10,000 - $24,999.99 | 1.05% | 1.04% |
| $25,000 - $74,999.99 | 1.30% | 1.29% |
| $75,000 - $249,999.99 | 1.55% | 1.54% |
| $250,000 - $999,999.99 | 1.80% | 1.79% |
| $1,000,000+ | 2.30% | 2.28% |
*APY denotes Annual Percentage Yield. Rates are subject to change without notice. Withdrawals could reduce the earnings on accounts.
IRA Savings & Coverdell ESA
IRA & Coverdell ESA Rates
| Type | Minimum Balance | APY* | Dividend Rate |
|---|---|---|---|
| IRA Savings Account (S5) | None | 0.15% | 0.15% |
| Roth Contributory IRA (S10) | None | 0.15% | 0.15% |
| Coverdell ESA (S12) | None | 0.15% | 0.15% |
*APY denotes Annual Percentage Yield. Rates are subject to change without notice. Penalty for early withdrawal. IRA denotes Individual Retirement Account.
Share & IRA Share Certificate
Share & IRA Share Certificate Rates
| Term | APY* | Dividend Rate |
|---|---|---|
| 3 months | 4.35% | 4.27% |
| 6 months | 4.25% | 4.17% |
| 8 months | 4.00% | 3.93% |
| 12 months | 4.15% | 4.07% |
| 15 months | 4.00% | 3.93% |
| 18 months | 3.25% | 3.20% |
| 24 months | 3.50% | 3.45% |
| 30 months | 3.25% | 3.20 % |
| 36 months | 3.25% | 3.20% |
| 48 months | 3.25% | 3.20% |
| 60 months | 3.35% | 3.30% |
*APY denotes Annual Percentage Yield. Rates are subject to change without notice. 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 Rates
| Model Year | Up to 66 months APR* as low as | Approx. Loan Payment2| 67-75 months1 | APR* as low as Approx. Loan Payment2 | 76-84 months1 | APR* as low as Approx. Loan Payment2
| |
|---|---|---|---|---|---|---|
| 2025 - 2022 | 6.09% | $17.87 | 6.19% | $16.12 | 6.99% | $15.09 |
| 2021 - 2019 | 6.74% | $18.18 | 6.99% | $16.50 | 7.54% | $15.36 |
| 2018 - 2016 | 7.14% | $18.37 | 7.39% | $16.69 | 8.19% | $15.69 |
| 2015 & Older | 9.39% | $19.46 | 10.79% | $18.39 | N/A | N/A |
*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. 1 Minimum $15,000 amount financed for a 72-Month Term & $20,000 for an 84-Month Term.
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 for the desired loan term by the number of thousand dollars borrowed. Calculate your payment with our Loan Calculator.
Home Equity Fixed-Rate Loan
Home Equity Fixed-Rate Loan
| Term | APR* | Approx. Loan Payment1 |
|---|---|---|
| 36 months | 5.99% | $30.42 |
| 60 months | 5.99% | $19.33 |
| 120 months | 6.34% | $11.28 |
| 180 months | 6.84% | $8.91 |
| 240 months | 8.24% | $8.52 |
*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
| Term | APR* | Approx. Loan Payment |
|---|---|---|
| N/A | 7.75%1 | Minimum monthly payment of $100 |
The current prime rate is 7.75%. *APR denotes Annual Percentage Rate. Rates are subject to change without notice. Rates are based upon the 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%.
Fixed-Rate Mortgages
Fixed-Rate Mortgages
| Term | Rates As Low As | Points | APR* As Low As |
|---|---|---|---|
| 10 Year | 6.250% | 0 | 6.815% |
| 15 Year | 6.250% | 0 | 6.651% |
| 20 Year | 6.500% | 0 | 6.824% |
| 30 Year | 6.500% | 0 | 6.746% |
*APR denotes Annual Percentage Rate. Rates reflect the best rates available today. Not everyone that applies will qualify for the rates shown. All loans are subject to individual credit approval, subject to change without notice. Please note that the posted rates are for Rate Locks that do not exceed 60 days. Pre-qualification is not a commitment to lend. Conforming Loan amounts from $50,000 to $726,200.
Adjustable-Rate Mortgages
Adjustable-Rate Mortgages
| Term | Rates As Low As | Points | APR* As Low As |
|---|---|---|---|
| 5/1 Conforming ARM1 | 6.240% | 0 | 7.419% |
| 5/1 Jumbo ARM2 | 6.490% | 0 | 7.396% |
| 10/1 Conforming ARM1 | 6.740% | 0 | 7.262% |
| 10/1 Jumbo ARM2 | 6.990% | 0 | 7.135% |
*APR denotes Annual Percentage Rate. Rates reflect the best rates available today. Not everyone that applies will qualify for the rates shown. All loans are subject to individual credit approval, subject to change without notice. Please note that the posted rates are for Rate Locks that do not exceed 60 days. Pre-qualification is not a commitment to lend. 1Conforming Loan amounts from $50,000 to $726,200. 2Jumbo Conforming Loan amounts greater than $726,200.
FHA/VA
FHA Rate Mortgages
| Term | Rates As Low As | Points | APR* As Low As |
|---|---|---|---|
| 15 Year1 | 6.625% | 0.000 | 7.450% |
| 30 Year2 | 6.250% | 0.000 | 7.065% |
| 203k 30 Year3 | 6.250% | 0.000 | 7.065% |
*APR denotes Annual Percentage Rate. Rates reflect the best rates available today. Not everyone that applies will qualify for the rates shown. All loans are subject to individual credit approval, subject to change without notice. Please note that the posted rates are for Rate Locks that do not exceed 60 days. Pre-qualification is not a commitment to lend. 1Greater than $175,000 and Less than or Equal to $200,000. 2Greater than $200,000 and Less than or Equal to $225,000. 3Greater than $200,000 and Less than or Equal to $225,000.
New & Used Motorcycle
New & Used Motorcycle Rates
| Loan Type | Up 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 Motorcycles | 6.24% | 6.49% | 6.74% | 7.99% |
| Approx. Loan Payment1 | $30.53 | $23.71 | $19.68 | $17.53 |
| Used Motorcycles | 7.24% | 7.49% | 7.74% | N/A |
| Approx. Loan Payment1 | $30.99 | $24.18 | $20.16 | N/A |
*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 listed above for the desired loan term by the number of thousand dollars borrowed or calculate your payment with our Loan Calculator.
New, Used, & Older Recreational Vehicles
New, Used, & Older Recreational Vehicle Rates
| Loan Type | Up to 60 months APR* as low as | 61-84 months APR* as low as | 85-144 months2 APR* as low as | 145-180 months3 APR* as low as |
|---|---|---|---|---|
| New & Used Recreational Vehicles | 8.49% | 8.99% | 9.49% | 9.99% |
| Approx. Loan Payment1 | $20.51 | $16.09 | $11.66 | $10.75 |
| Older Used Recreational Vehicles4 | 10.49% | 10.99% | N/A | N/A |
| Approx. Loan Payment1 | $21.49 | $17.12 | N/A | N/A |
*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. Used model years: 2023 and Newer. 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 listed above for the desired loan term by the number of thousand dollars borrowed or calculate your payment with our Loan Calculator. 2144-month term available for loans greater than $25,000. 3180-month term available for loans greater than $50,000. 42016 through 2022 model years. $5,000 minimum loan amount. Maximum RV age equals 10 years. Maximum term equals 72 months.
Unsecured Fixed Loan
Unsecured Fixed-Rate Loan
| Term | APR* as low as | Approx. Loan Payment1 |
|---|---|---|
| up to 12 months | 9.74%2 | $87.78 |
| up to 36 months | 10.74%2 | $32.61 |
| up to 60 months | 11.74%2 | $22.11 |
*APR denotes Annual Percentage Rate. 1Payments 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. 2The fixed rate is the lowest rate offered for this product. Rates are based upon evaluation of applicant credit. Actual rates may vary.
Share Secured Loan
Share Secured Loan Rate
| Term | APR* as low as | Approx. Loan Payment1 |
|---|---|---|
| up to 60 months | 6.99% | $19.80 |
*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. 1Payments 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.
Personal Line of Credit
Personal Line of Credit Rate
| Type | APR* | Payment Schedule |
|---|---|---|
| Variable | 14.50%1 | Minimum monthly payment $25 |
The current prime rate is 7.75%. *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
| Type | APR* | Monthly Payment |
|---|---|---|
| Visa Platinum | 15.65% - 18%1 | the greater of 2% of the outstanding balance of $10 |
The current prime rate is 8.0%. *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 Requirements | APY* | Dividend Rate |
|---|---|---|
| $0.00 - $2,499.99 | 0% | 0% |
| $2,500.00 - $9,999.99 | 0.05% | 0.05% |
| $10,000.00 - $24,999.99 | 0.10% | 0.10% |
| $25,000.00+ | 0.15% | 0.15% |
*APY denotes Annual Percentage Yield. Rates are subject to change without notice. Withdrawals could reduce the earnings on accounts.
Business Savings
Business Savings Rates
| Type | Minimum Balance | APY* | Dividend Rate |
|---|---|---|---|
| Savings Account (S1) | $5.00 | 0.05% | 0.05% |
| Holiday Account (S2) | $0 | 0.05% | 0.05% |
| Vacation Account (S3) | $0 | 0.05% | 0.05% |
| Special Account (S6) | $0 | 0.05% | 0.05% |
*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.
Business Money Market
Business Money Market Rates
| Term | APY* | Dividend Rate |
|---|---|---|
| $0 - $2,499.99 | 0% | 0% |
| $2,500 - $9,999.99 | 0.75% | 0.75% |
| $10,000 - $24,999.99 | 1.05% | 1.04% |
| $25,000 - $74,999.99 | 1.30% | 1.29% |
| $75,000 - $249,999.99 | 1.55% | 1.54% |
| $250,000 - $999,999.99 | 1.80% | 1.79% |
| $1,000,000+ | 2.30% | 2.28% |
*APY denotes Annual Percentage Yield. Rates are subject to change without notice. Withdrawals could reduce the earnings on accounts.
Business Share Certificates
Business Share Certificate Rates
| Term | APY* | Dividend Rate |
|---|---|---|
| 3 months | 4.35% | 4.27% |
| 6 months | 4.25% | 4.17% |
| 8 months | 4.00% | 3.93% |
| 12 months | 4.15% | 4.07% |
| 15 months | 4.00% | 3.93% |
| 18 months | 3.25% | 3.20% |
| 24 months | 3.50% | 3.45% |
| 30 months | 3.25% | 3.20 % |
| 36 months | 3.25% | 3.20% |
| 48 months | 3.25% | 3.20% |
| 60 months | 3.35% | 3.30% |
*APY denotes Annual Percentage Yield. Rates are subject to change without notice. Minimum opening deposit is $500. Withdrawals could reduce the earnings on accounts. Penalty for early withdrawal.
Business Line of Credit
Business Line of Credit Rate
| Type | APR* | Payment Schedule |
|---|---|---|
| Variable | 14.75%1 | Minimum monthly payment $25 |
The current prime rate is 7.75%. *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 7% Margin rounded up to the nearest 0.25%. The maximum APR is 18%.