Rates
Auto Rates Mortgage Rates Credit Card Rates Savings Rates
Effective 5/29/2023
Vehicle Loans
| Type | APR* |
| New Auto |
as low as 6.49% |
| Used Auto |
as low as 6.49% |
| Motorcycle |
as low as 8.74% |
| Boat or RV |
as low as 9.74% |
Rate may vary or increase due to collateral conditions or certain adverse credit factors such as bankruptcy or repossession. Rate not to exceed 17.99%. Payment Example: $15,000 loan at 3.99% APR with 60 monthly payments of $293.49. Auto loan rate includes 0.25% APR discount by enrolling in eStatements and Automatic Payments from your Credit Union account. Auto loan rate includes a 0.25% APR discount when using our complimentary Auto Advisors car buying service. |
Personal Loans
| Type | APR* |
| Personal Loan |
as low as 12.99% |
| Personal Line of Credit |
as low as 10.49% |
| Share Secured Personal Loan |
Share Rate + 2.50% |
Mortgage Loan Purchase
| Type | Rate | Points | APR* |
| 15 Year Fixed |
5.875% |
0.000% |
6.098% |
| 20 Year Fixed |
6.500% |
0.000% |
6.681% |
| 30 Year Fixed |
6.875% |
0.000% |
7.016% |
Rates are updated frequently and are subject to change without notice. Your actual rate is based on your credit quality, down payment, loan term, and amount financed. Rate lock cutoff time is 4:00 PM EST. Any lock requests received after 4:00 PM EST will be subject to tomorrow’s posted rates. Interest rates above are based on a $200,000 purchase and a $160,000 no cash out refi of a single-family home as a primary residence, 45-day rate lock, credit score of 740, and a loan-to-value of 80% or less. Discount points may apply. Terms and conditions subject to change at any time without prior notice. |
Home Equity Loans
| Type | APR* |
| Home Equity Loan |
as low as 8.25% |
| Home Equity Line of Credit (HELOC) |
as low as 8.25% |
Credit Card
| Type | APR* |
| Darden Visa |
as low as 12.74% |
| Secured Visa |
13.49% |
Credit cards are variable rate based on Prime. Rate may change after account opening. |
Primary Savings
minimum to open: $5.00
minimum to earn dividends: $5.00
| Balance | Rate | APY** |
| All balances |
0.05% |
0.05% |
Special Savings, Holiday Savings and IRA Savings
minimum to open: $5.00
minimum to earn dividends: none
| Balance | Rate | APY** |
| All balances |
0.20% |
0.20% |
Classic Checking and Business Checking
minimum to open: $10.00
minimum to earn dividends: none
| Balance | Rate | APY** |
| Up to $24,999 |
0.00% |
0.00% |
| $25,000 and over |
0.25% |
0.25% |
Traditional Money Market Savings and IRA Money Market Savings
minimum to open: $1,000.00
minimum to earn dividends: none
| Balance | Rate | APY** |
| Up to $9,999.99 |
1.00% |
1.00% |
| $10,000 - $24,999.99 |
1.24% |
1.25% |
| $25,000 - $49,999.99 |
1.34% |
1.35% |
| $50,000 - $99,999.99 |
1.44% |
1.45% |
| $100,000 - $250,000 |
1.74% |
1.75% |
| $250,000 and over |
1.83% |
1.85% |
High-Yield Money Market Savings
| Type | Balance | Rate | APY** |
| Money Market Plus |
$250,000 - $499,999.99 |
2.23% |
2.25% |
Minimum to open and earn dividends: $250,000 |
| Money Market Premium |
$500,000 - $999,999.99 |
3.20% |
3.25% |
Minimum to open and earn dividends: $500,000 |
| Money Market Premier |
$1,000,000 + |
4.17% |
4.25% |
Minimum to open and earn dividends: $1,000,000 |
Share Certificates and IRA Certificates
minimum to open: $500.00
minimum to earn dividends: $500.00
| Term | Rate | APY** |
| 6 month |
2.96% |
3.00% |
| 12 month |
4.17% |
4.25% |
| 24 month |
4.41% |
4.50% |
| 36 month |
3.69% |
3.75% |
| 48 month |
3.54% |
3.60% |
| 60 month |
3.45% |
3.50% |
Bump-Up Share Certificate
minimum to open: $5,000.00
minimum to earn dividends: $5,000.00
| Term | Rate | APY** |
| 36 month |
2.67% |
2.70% |
*APR=Annual Percentage Rate. Loan rates determined by individual creditworthiness, qualifications, term of loan and collateral conditions including age of vehicle. Rates, terms and conditions subject to change.
**APY= Annual Percentage Yield. Rates, terms and conditions are subject to change without notice. Savings, Checking and Money Market accounts are variable rate. Fees and other conditions may reduce earnings on the account. Certificate early withdrawal penalties may apply. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Refer to the Universal Account Agreement for account details.
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