Rates

Current rates on our loans and deposits.

Young Family Taking a Selfie
As a not-for-profit, we turn profits into great rates for our members.
    • Checking

      PowerPlus Checking

      APY Dividend Rate
      On balances up to $15,000 3.00% 2.96%
      On remainder over $15,000 0.05% 0.05%
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure

      Certificates

      Rewards APY Dividend Rate Regular APY Dividend Rate
      3-month term 0.40% 0.39% 0.30% 0.29%
      6-month term 0.85% 0.84% 0.75% 0.74%

      Special: 11-month term

      2.25% 2.23% 2.25% 2.23%
      12-month term 1.35% 1.34% 1.25% 1.24%
      24-month term 1.70% 1.68% 1.45% 1.44%
      36-month term 1.90% 1.88% 1.65% 1.63%
      48-month term 2.00% 1.98% 1.75% 1.73%
      60-month term 2.30% 2.28% 2.05% 2.03%

      36-month Kid's Certificate

      N/A N/A 2.20% 2.18%
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure

      Money Market Special

      Money Market Special

      APY Dividend Rate

      $15,000+

      1.75% 1.74%

      Less than $15,000

      0.05% 0.05%
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure

      Investor Money Market

      Investor Money Market

      APY Dividend Rate

      All Balances

      2.00% 1.98%
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure

      Regular Money Market

      Regular Money Market

      APY Dividend Rate
      $500,000 and above 0.80% 0.80%
      $250,000-$499,999 0.65% 0.65%
      $100,000-$249,999 0.25% 0.25%

      $25,000-$99,999

      0.20% 0.20%

      $1,000-$24,999

      0.10% 0.10%
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure

      Savings

      Rainy Day Savings APY Dividend Rate
      first consecutive 12 months 1.25% 1.24%
      after first 12 months
      on balances up to $25,000 2.50% 2.47%
      on remainder over $25,000 0.25% 0.25%

      Regular Savings

      APY Dividend Rate
      Regular Savings 0.05% 0.05%
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure
    • Auto Loans

      Loan Term APR - 2018 & Newer APR - 2014 - 2017*

      0 - 48 Months

      as low as 2.24% as low as 2.74%

      49 - 60 Months

      as low as 2.74% as low as 3.24%

      61 - 75 Months

      as low as 2.84% as low as 3.34%

      76 - 84 Months

      as low as 5.24% N/A

      *Please call for rates on model years 2013 or older.

      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure

      Recreational Vehicles

      Loan Term APR-2018 & Newer APR-2014-2017*

      0 - 48 months

      as low as 4.74% as low as 5.24%

      49 - 60 months

      as low as 5.24% as low as 5.74%

      61 - 75 months

      as low as 5.34% as low as 5.84%

      76 - 84 months

      as low as 7.74% N/A

      *Please call for rates on model years 2013 or older.

      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure

      Credit Cards

      APR

      Cash Rewards Visa

      12.90% - 18.00%

      Travel Rewards Visa

      12.90% - 18.00%

      Simply Visa

      10.00% - 18.00%

      LAUNCH™ Visa

      18.00% - 18.00%

      Visa Business

      11.75% - 20.00%
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure

      Home Equity

      APR

      Home Equity Variable

      as low as 4.50%

      Home Equity Fixed

      as low as 4.625%
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield

      Other Loans

      APR
      Personal Loans as low as 7.49%
      Share Secured Loans as low as 3.24%
      Stock Secured Loans as low as 4.24%
      Secured Line of Credit as low as 4.75%
      Unsecured Line of Credit as low as 6.50%
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      Disclosure

      Mortgages

      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
      APR = Annual Percentage Rate
      APY = Annual Percentage Yield
Annual Percentage Yields (APYs) effective as of 12/1/19.