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Real Estate Rates

NEW

Special Offers

Type
Term (Years)
Term (Months)
APR* as low as
APY*
7 Month CD                                                 7 Month                                      4.00%

Auto Loans

Loan Type
Term (Months)
APR*
Notes
Auto Loans
Term (Months)
36 - 84
APR*
4.74%
-
18.00%
Notes

Effective: 4/13/2023

Recreational Vehicles

Loan Type
Term (Months)
APR*
Notes
5th Wheels, Motor Homes, Travel Trailers
Term (Months)
72 - 180
APR*
7.99%
-
10.99%
Notes
Motorcycles, ATVs, Side-by-Side
Term (Months)
36 - 84
APR*
7.24%
-
10.74%
Notes

Off-road 2-wheel motorcycles carry base rates of 12.65% - 16.65% for credit tiers A-C, respectively.

Savings

Account Type
Dividend Rate
APY*
Secure Savings
Dividend Rate
0.050%
APY*
0.05%
-

Share Certificates

Account Type
Dividend Rate
APY*
3 Month CD
Dividend Rate
1.83%
APY*
1.85%
-
6 Month CD
Dividend Rate
2.47%
APY*
2.50%
-
12 Month CD
Dividend Rate
2.72%
APY*
-
2.75%
18 Month CD
Dividend Rate
2.72%
APY*
2.75%
-
24 Month CD
Dividend Rate
2.96%
APY*
3.00%
-
36 Month CD
Dividend Rate
3.20%
APY*
3.25%
-
48 Month CD
Dividend Rate
3.20%
APY*
3.25%
-
60 Month CD
Dividend Rate
3.20%
APY*
3.25%
-
Public Funds 12 Month Certificate
Dividend Rate
2.96%
APY*
3.00%
-
6 Month Business Certificate Account
Dividend Rate
2.47%
APY*
2.50%
-
12 Month Business Certificate Account
Dividend Rate
4.41%
APY*
4.50%
-
18 Month Business Certificate Account
Dividend Rate
3.69%
APY*
3.75%
-
24 Month Business Certificate Account
Dividend Rate
3.93%
APY*
4.00%
-
Jumbo 3 Month CD
Dividend Rate
1.93%
APY*
1.95%
-
Jumbo 6 Month CD
Dividend Rate
2.57%
APY*
2.60%
-
Jumbo 12 Month CD
Dividend Rate
2.81%
APY*
2.85%
-
Jumbo 18 Month CD
Dividend Rate
2.81%
APY*
2.85%
-
Jumbo 24 Month CD
Dividend Rate
3.06%
APY*
3.10%
-
Jumbo 36 Month CD
Dividend Rate
3.30%
APY*
3.35%
-
Jumbo 48 Month CD
Dividend Rate
3.30%
APY*
3.35%
-
Jumbo 60 Month CD
Dividend Rate
3.30%
APY*
3.35%
-

Money Market

Account Type
Dividend Rate
APY*
Money Market $0 - $2,499.99
Dividend Rate
0.45%
APY*
0.45%
-
Money Market $2,500 - $24,999.99
Dividend Rate
0.55%
APY*
0.55%
-
Money Market $25,000 - $49,999.99
Dividend Rate
0.65%
APY*
0.65%
-
Money Market $50,000 - $99,999.99
Dividend Rate
0.75%
APY*
0.75%
-
Money Market $100,000 and up
Dividend Rate
0.85%
APY*
0.85%
-
Money Market $0 - $2,499.99 w/ active checking
Dividend Rate
0.60%
APY*
0.60%
-
Money Market $2,500 - $24,999.99 w/ active checking
Dividend Rate
0.65%
APY*
0.65%
-
Money Market $25,000 - $49,999.99 w/ active checking
Dividend Rate
0.85%
APY*
0.85%
-
Money Market $50,000 - $99,999.99 w/ active checking
Dividend Rate
1.00%
APY*
1.00%
-
Money Market $100,000 and up w/ active checking
Dividend Rate
1.09%
APY*
1.10%
-

Checking

Account Type
Dividend Rate
APY*
Choice Checking
Dividend Rate
.05%
APY*
-
.05%

Youth Accounts

Account Type
Dividend Rate
APY*
M3 Money Club
Dividend Rate
1.00%
APY*
-
1.00%
Element Savings
Dividend Rate
1.00%
APY*
-
1.00%

Credit Cards

Loan Type
Term (Months)
APR*
Notes
Platinum Mastercard
Term (Months)
N/A
APR*
13.49%
-
16.49%
Notes

Variable rate; based on Prime Rate

JumpStart Mastercard
Term (Months)
N/A
APR*
18%
-
Notes

Variable rate; based on Prime Rate

Business Checking

Account Type
Dividend Rate
APY*
Premier Checking
Dividend Rate
.20% - .40%
APY*
.20%
-
.40%

Business Savings

Account Type
Dividend Rate
APY*
Business Savings
Dividend Rate
.05%
APY*
-
.05%

Personal Loans

Loan Type
Term (Months)
APR*
Notes
Personal Line of Credit
Term (Months)
N/A
APR*
14.99%
-
18.00%
Notes
Signature Loan
Term (Months)
6 - 72
APR*
9.98%
-
14.48%
Notes
Credit Builder Loan
Term (Months)
6 - 48
APR*
12%
-
Notes
Share Secured Loan
Term (Months)
6 - 60
APR*
Dividend Rate + 3%
-
Notes

Mortgages

Loan Type
Term (Years)
APR* as low as
Notes
30 Year Conventional
Term (Years)
10, 15, 20, 30
APR*
7.169%
-
7.691%
Notes

See Note 1

VA
Term (Years)
30
APR*
7.502%
-
Notes

See Note 2

FHA
Term (Years)
30
APR*
7.717%
-
Notes

See Note 3

USDA
Term (Years)
30
APR*
7.571%
-
Notes

See Note 4

Home Equity Loans & Lines

Loan Type
Term (Years)
APR* as low as
Notes
HELOC
Term (Years)
25
APR*
9.75%
-
11.75%
Notes

10-year draw period followed by 15-year repayment

Home Equity Loan
Term (Years)
20
APR*
9.00%
-
11.00%
Notes
*APR = Annual Percentage Rate
*APY = Annual Percentage Yield