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Rates

Vehicle Loans
Loan Type APR as low as*
New Auto (2025 and newer) 4.44%
Used Auto (2024 - 2022) 5.44%
Used Auto (2021 - 2019) 6.44%
Used Auto (2018 and older) 7.49%
Specialty Vehicle (Boat, RV, Motorcycle etc.) 5.44%

 

Personal and Misc. Loans
Loan Type APR as low as*
Personal Loan 8.75%
Personal Line of Credit 8.75%
Share Secured Loan 2.00% above Share rate
Certificate Secured Loan 2.00% above Certificate rate
Storm Shelter Loan 2.99%
Generator Loan 3.99%

 

 

Loan Rates Effective January 1,2026.

*Rates vary by individual credit and collateral conditions. Rate discount eligible for auto loans only, not specialty vehicle or unsecured loans.

Savings Rates
Account Type  Balance APY*
Regular Savings $0 - $4,999.99 0.25%
  $5,000.00 and up 0.25%
IRA Savings $0 - $100,000.00 0.25%
  $100,000.01 and up 0.25%

 

1-Year Share or IRA Certificate
Balance APR APY*
$500 to $9,999.99 2.00% 2.02%
$10,000 to $24,999.99 2.20% 2.22%
$25,000 to $79,999.99 2.30% 2.32%
$80,000 to 100,000 2.50% 2.52%
2-Year Share or IRA Certificate
Balance APR APY*
$500 to $9,999.99 2.50% 2.52%
$10,000 to $24,999.99 2.55% 2.57%
$25,000 to $79,999.99 2.60% 2.63%
$80,000 to 100,000 2.75% 2.78%
3-Year Share or IRA Certificate
Balance APR APY*
$500 to $9,999.99 2.60% 2.63%
$10,000 to $24,999.99 2.65% 2.68%
$25,000 to $79,999.99 2.70% 2.73%
$80,000 to 100,000 2.80% 2.83%
4-Year Share or IRA Certificate
Balance APR APY*
$500 to $9,999.99 2.70% 2.73%
$10,000 to $24,999.99 2.75% 2.78%
$25,000 to $79,999.99 2.80% 2.83%
$80,000 to 100,000 3.00% 3.03%
5-Year Share or IRA Certificate
Balance APR APY*
$500 to $9,999.99 2.75% 2.78%
$10,000 to $24,999.99 2.80% 2.83%
$25,000 to $79,999.99 2.90% 2.93%
$80,000 to 100,000 3.05% 3.09%

Rates effective as of March 28, 2024.

*APY = Annual Percentage Yield. Dividends are credited and compounded quarterly, based on Average Daily Balance. Early withdrawal penalties may reduce earnings on Certificate accounts. Your savings are federally insured to $250,000 by the National Credit Union Administration, a U.S. Government Agency. IRA accounts in the credit union are federally insured by the National Credit Union Share Insurance Fund up to $250,000.00, separately from other personal accounts.

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