summit-bracket2 bracket2 atm-outline location-pin-outline location-pin-filled atm-filled calendar2 bracket google-play[2] app-store summit-location-pin-lg code lock user worksheets phone print programs open pdf checkmark-form close-x close download checkmark-chart checklists blog-tools social-facebook social-google-plus social-pinterest LInkedIn-2C-128px-R instagram-rainbow social-twitter social-youtube ehl calendar calculators bracket22 checkmark email text-area-corner external-link success error information warning calendar-add-event auto-rates mortgage-rates home-equity new-certificates ncua summit-logo-itmoi arrow-left arrow-right checkmark2 summit-logo-white summit-bracket silhouette arrow-down arrow-up auto-rates2 blog calculators2 call ehl2 home-equity2 itmoi locate mortgage-rates2 new-certificates2 programs2 search summit-location-pin-sm tools clock

Rates And Disclosures

Loan Rates

Auto-&-Motorcycle-Loans-2016-to-2017
Auto & Motorcycle Loans — 2020 to 2022
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
24 Months 2.74% $42.93
36 Months 2.74% $29.01
48 Months 2.99% $22.16
60 Months 3.15% $18.06
72 Months 3.30% $15.36
84 Months* 4.25% $13.82
auto-and-motorcycle-loans-2014-to-2015
Auto & Motorcycle Loans — 2010 to 2019
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
24 Months 2.99% $43.04
36 Months 2.99% $29.12
48 Months 3.24% $22.28
60 Months 3.70% $18.32
72 Months 4.74% $16.02
auto-and-motorcycle-loans-2008-and-older
Auto & Motorcycle Loans — 2009 and Older
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
24 Months 9.05% $48.55
36 months 9.05% $31.95
48 Months 9.05% $25.01
60 Months 9.55% $21.12
other-secured-loans
Boats and RV’s 2020 -2022
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
63 Months 4.15% $17.73
87 Months 5.40% $13.95
120 Months ($25,000.00 Min) 6.50% $11.39
180 Months ($40,000.00 Min) 7.00% $9.02
240 Months ($50,000.00 Min) 7.24% $7.93
boats-rv-used
Boats and RVs 2012-2019
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
63 Months 4.65% $17.96
87 Months 5.90% $14.19
120 Months ($25,000.00 Min) 7.00% $11.65
180 Months ($40,000.00 Min) 7.50% $9.30
240 Months ($50,000.00 Min) 7.74% $8.23
powersports-new
Powersports 2020-2022
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
39 Months 2.49% $26.75
63 Months 2.49% $16.97
87 Months 3.24% $12.94
120 Months 5.24% $10.75
powersports-used
Powersports 2012-2019
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
39 Months 2.74% $26.86
63 Months 2.74% $17.08
87 Months 3.74% $13.17
120 Months 5.74% $17.73
express-home-refinance
Express Home Refinance Rates
Rates Effective July 1, 2022
More Information Apply
TYPE AND TERM APR (as low as)1 Monthly Payment
8 Year Fixed 4.875% $12.63
12 Year Fixed 5.250% $9.40
20 Year Fixed 5.750% $7.04
home-equity-line-of-credit-up-to-70%-ltv
Home Equity Line of Credit — Up to 70% LTV (Variable/Fixed)
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
6-Month Fixed Intro Rate4 0.00% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Variable, Revolving3 3.99% Prime - 0.50% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Fixed 60 Months2 3.99% $18.45
Fixed 120 Months2 4.99% $10.63
Fixed 180 Months2 6.49% $8.74
home-equity-line-of-credit-up-to-80%-ltv
Home Equity Line of Credit — Up to 80% LTV (Variable/Fixed)
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
6-Month Fixed Intro Rate4 0.00% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Variable, Revolving3 4.49% Prime - 0.25% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Fixed 60 Months2 3.99% $18.45
Fixed 120 Months2 4.99% $10.63
Fixed 180 Months2 6.49% $8.74
home-equity-line-of-credit-up-to-90%-ltv
Home Equity Line of Credit — Up to 90% LTV (Variable/Fixed)
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
12-Month Fixed Intro Rate4 2.99% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Variable Revolving3 4.99% Prime + 0.50% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Fixed 60 Months2 4.99% $18.91
Fixed 120 Months2 5.99% $11.13
Fixed 180 Months2 6.99% $9.02
home-equity-line-of-credit-up-to-100%-ltv
Home Equity Line of Credit — Up to 100% LTV (Variable/Fixed)
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
12-Month Fixed Intro Rate4 5.99% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Variable, Revolving3 7.99% Prime + 3% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Fixed 60 Months2 8.49% $20.59
Fixed 120 Months2 9.89% $13.21
Fixed 180 Months2 10.24% $10.95
home-equity-loans-up-to-80%-ltv
Home Equity Loans — Up to 80% LTV
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
36 Months 3.99% $29.58
48 Months 3.99% $22.62
60 Months 3.99% $18.45
84 Months 4.49% $13.93
120 Months 4.99% $10.63
180 Months 6.49% $8.74
home-equity-loans-up-to-90%-ltv
Home Equity Loans — Up to 90% LTV
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
36 Months 4.99% $30.03
48 Months 4.99% $23.08
60 Months 4.99% $18.91
84 Months 5.49% $14.40
120 Months 5.99% $11.13
180 Months 6.99% $9.01
home-equity-loans-up-to-100%-ltv
Home Equity Loans — Up to 100% LTV
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
36 Months 8.49% $31.68
48 Months 8.49% $24.73
60 Months 8.49% $20.59
84 Months 8.64% $15.79
120 Months 9.89% $13.21
180 Months 10.24% $10.95
personal-loan-rates
Personal Loan Interest Rates
Rates Effective July 1, 2022
More Information Apply
TERM(up to) APR(as low as)1 Monthly Payment2
24 Months 10.25% $46.46
36 Months 10.25% $32.53
48 Months 10.50% $25.72
60 Months 10.75% $21.72
personal-line-of-credit
Personal Lines of Credit
Rates Effective July 1, 2022
More Information Apply
Type and Term APR1 VPR2 Monthly Payment
Personal Line of Credit, revolving 10.00% Prime + 4% Minimum $15 or 2.5% of the outstanding principal balance
Overdraft Protection Line of Credit 18.00% n/a Minimum $15 or 2.5% of the outstanding principal balance
certificate-secured-loans
Certificate Secured Loans
Rates Effective July 1, 2022
More Information Apply
Terms APR1
Installment loan or single-payment note that is due at the certificate's maturity date. Certificate Dividend Rate + 3.00%
Special Energy Efficient Loans
Solar and Energy Efficiency Loan Rates
Rates Effective July 1, 2022
More Information Apply
Term (up to) APR1 Monthly Payment2
60 Months 6.00% $19.39
180 Months 6.75% $8.88

Savings, Investment & Checking Rates

certificates
CERTIFICATE RATES
Rates Effective July 1, 2022
More Information Apply
TYPE AND TERM MINIMUM BALANCE TO EARN APY3 DIVIDEND RATE ANNUAL PERCENTAGE YIELD
3 Months $500 0.10% 0.10%
6 Months $500 0.20% 0.20%
9 Months $500 0.20% 0.20%
12 Months $500 0.30% 0.30%
18 Months $500 0.30% 0.30%
24 Months $500 0.40% 0.40%
17-Month Special $500 1.50% 1.50%
36 Months $500 0.50% 0.50%
48 Months $500 0.55% 0.55%
60 Months $500 0.65% 0.65%
6-Month Certificate Plus $250 0.10% 0.10%
12-Month Certificate Plus $250 0.25% 0.25%
18-Month Certificate Plus $250 0.25% 0.25%
24-Month Certificate Plus $250 0.35% 0.35%
money-market-plus-account
Money Market Plus Account Rates
Rates Effective July 1, 2022
More Information Schedule Appointment
Minimum Balance to Earn APY2 Dividend Rate APY1
$100,000 0.13% 0.13%
$50,000 0.10% 0.10%
$25,000 0.08% 0.08%
$10,000 0.07% 0.07%
$2,500 0.04% 0.04%
$0 0.02% 0.02%
Ultimate-money-market-account
Ultimate Money Market Account Rates
Rates Effective July 1, 2022
More Information Schedule Appointment
Minimum Balance to Earn APY2 Dividend Rate APY1
$200,000 0.22% 0.22%
$150,000 0.17% 0.17%
$100,000 0.16% 0.16%
$75,000 0.12% 0.12%
$50,000 0.10% 0.10%
$0 0.00% 0.00%
ira-savings-rates
IRA Savings Interest Rates
Rates Effective July 1, 2022
More Information Apply
Type and Term2 Minimum Balance to Earn APY1 Dividend Rate Annual Percentage Yield
IRA Savings $25 0.10% 0.10%
checking
Checking
Rates Effective July 1, 2022
More Information Apply
Type and Term2 Minimum Balance to Earn APY1 Dividend Rate Annual Percentage Yield
Ultimate Checking $2,500 0.05% 0.05%
Dividend Checking $25 0.03% 0.03%
business-dividend-checking-account
Business Dividend Checking Account
Rates Effective July 1, 2022
More Information Apply
Minimum Balance to Earn APY1 Dividend Rate APY1
$2,500 0.03% 0.03%
SAVINGS
Rates Effective July 1, 2022
More Information Apply
TYPE AND TERM3 MINIMUM BALANCE TO EARN APY1 DIVIDEND RATE ANNUAL PERCENTAGE YIELD
Savings2 $25 0.03% 0.03%
2nd Savings $25 0.03% 0.03%
Holiday Savings $25 0.03% 0.03%
gosave
GoSave Account Rates
Rates Effective July 1, 2022
More Information Open An Account
Minimum Balance to Earn APY2 Dividend Rate APY1
$10,000 0.03% 0.03%
$1,000 0.05% 0.05%
$25 0.07% 0.07%
health-savings
HEALTH SAVINGS ACCOUNT
Rates Effective July 1, 2022
More Information Open An Account
Minimum Balance to Earn APY Dividend Rate APY1
$0 0.05% 0.05%
$2,500 0.07% 0.07%
$5,000 0.09% 0.09%
$10,000 0.10% 0.10%