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Rates And Disclosures

Loan Rates

Auto-&-Motorcycle-Loans-2016-to-2017
Auto & Motorcycle Loans — 2017 to 2018
Rates Effective October 15, 2018
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
24 Months 3.39% $43.22
36 Months 3.39% $29.30
48 Months 3.39% $22.34
60 Months 3.59% $18.26
72 Months 3.99% $15.67
84 Months* 4.95% $14.15
auto-and-motorcycle-loans-2014-to-2015
Auto & Motorcycle Loans — 2006 to 2016
Rates Effective October 15, 2018
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
24 Months 3.64% $43.33
36 Months 3.64% $29.42
48 Months 3.84% $22.55
60 Months 4.14% $18.52
72 Months 5.20% $16.24
auto-and-motorcycle-loans-2008-and-older
Auto & Motorcycle Loans — 2005 and Older
Rates Effective October 15, 2018
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
24 Months 9.35% $46.03
36 months 9.35% $32.09
48 Months 9.60% $25.27
60 Months 9.85% $21.26
other-secured-loans
Other Secured Loans — Includes Boats and RVs
Rates Effective October 15, 2018
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
24 Months 3.95% $43.48
36 Months 4.05% $29.61
48 Months 4.15% $22.69
60 Months 4.25% $18.57
72 Months 5.50% $16.14
120 Months (Boats & RVs only; $25,000 min.) 6.60% $11.44
180 Months (Boats & RVs only; $40,000 min.) 7.10% 9.08
express-home-refinance
Express Home Refinance Rates
Rates Effective October 15, 2018
More Information Apply
TYPE AND TERM APR (as low as)1 Monthly Payment
8 Year Fixed2 3.750% $12.10
12 Year Fixed2 3.875% $8.71
home-equity-line-of-credit-up-to-80%-ltv
Home Equity Line of Credit — Up to 80% LTV (Variable/Fixed)
Rates Effective October 15, 2018
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
Variable, Revolving 4.75% Prime - 0.50% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Fixed, up to 48 Months2 3.74% $22.50
Fixed, 49 to 60 Months2 4.24% $18.56
Fixed, 61 to 120 Months2 4.74% $10.51
Fixed, 121 to 180 Months2 6.24% $8.60
home-equity-line-of-credit-up-to-90%-ltv
Home Equity Line of Credit — Up to 90% LTV (Variable/Fixed)
Rates Effective October 15, 2018
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
Variable Revolving 5.75% Prime + 0.50% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Fixed, up to 48 Months2 4.74% $22.97
Fixed, 49 to 60 Months2 4.99% $18.91
Fixed, 61 to 120 Months2 5.74% $11.00
Fixed, 121 to 180 Months2 6.74% $8.88
home-equity-line-of-credit-up-to-100%-ltv
Home Equity Line of Credit — Up to 100% LTV (Variable/Fixed)
Rates Effective October 15, 2018
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
Variable, Revolving3 8.25% Prime + 3% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Fixed up to 36 Months2 8.24% $31.56
Fixed, 37 to 60 Months2 8.74% $20.71
Fixed, 61 to 120 Months2 9.24% $12.86
Fixed, 121 to 180 Months2 9.74% $10.64
home-equity-loans-up-to-80%-ltv
Home Equity Loans — Up to 80% LTV
Rates Effective October 15, 2018
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 4.49% $18.68
84 Months 4.99% $14.16
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 October 15, 2018
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 5.24% $19.03
84 Months 5.99% $14.65
120 Months 5.99% $11.13
180 Months 6.99% $9.02
home-equity-loans-up-to-100%-ltv
Home Equity Loans — Up to 100% LTV
Rates Effective October 15, 2018
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
48 Months 8.99% $24.98
60 Months 8.99% $20.84
84 Months 9.49% $16.41
120 Months 9.49% $12.99
180 Months 9.99% $10.80
36 Months 8.49% $31.68
personal-loan-rates
Personal Loan Interest Rates
Rates Effective October 15, 2018
More Information Apply
TERM(up to) APR(as low as)1 Monthly Payment2
24 Months 9.85% $46.26
36 Months 9.85% $32.33
48 Months 10.10% $25.52
60 Months 10.35% $21.51
personal-line-of-credit
Personal Lines of Credit
Rates Effective October 15, 2018
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 October 15, 2018
More Information Apply
Terms APR1
Installment loan or single-payment note that is due at the certificate's maturity date. Annual Percentage Yield + 3.00%
Special Energy Efficient Loans
Solar and Energy Efficiency Loan Rates
Rates Effective October 15, 2018
More Information Apply
Term (up to) APR1 Monthly Payment2
180 Months 7.25% $9.16
60 Months 6.50% $19.63

Savings, Investment & Checking Rates

certificates
CERTIFICATE RATES
Rates Effective October 15, 2018
More Information Apply
TYPE AND TERM MINIMUM BALANCE TO EARN APY3 DIVIDEND RATE ANNUAL PERCENTAGE YIELD
3 Months $500 0.40% 0.40%
6 Months $500 0.50% 0.50%
9 Months $500 0.55% 0.55%
12 Months $500 0.65% 0.65%
13-Month Special $500 1.79% 1.80%
13-Month IRA Special $500 1.79% 1.80%
18 Months $500 0.70% 0.70%
24 Months $500 0.80% 0.80%
36 Months $500 0.90% 0.90%
48 Months $500 1.29% 1.30%
60 Months $500 1.98% 2.00%
6-Month Certificate Plus $250 0.15% 0.15%
12-Month Certificate Plus $250 0.40% 0.40%
18-Month Certificate Plus $250 0.45% 0.45%
24-Month Certificate Plus $250 0.55% 0.55%
24-Month Rate Riser2 $1000 0.55% 0.55%
money-market-plus-account
Money Market Plus Account Rates
Rates Effective October 15, 2018
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Minimum Balance to Earn APY2 Dividend Rate APY1
$100,000 0.25% 0.25%
$25,000 0.25% 0.25%
$50,000 0.25% 0.25%
$10,000 0.20% 0.20%
$2,500 0.15% 0.15%
$0 0.10% 0.10%
Ultimate-money-market-account
Ultimate Money Market Account Rates
Rates Effective October 15, 2018
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Minimum Balance to Earn APY2 Dividend Rate APY1
$200,000 0.80% 0.80%
$150,000 0.75% 0.75%
$100,000 0.70% 0.70%
$75,000 0.65% 0.65%
$50,000 0.60% 0.60%
$0 0.00% 0.00%
ira-savings-rates
IRA Savings Interest Rates
Rates Effective October 15, 2018
More Information Apply
Type and Term2 Minimum Balance to Earn APY1 Dividend Rate Annual Percentage Yield
IRA Savings $25 0.20% 0.20%
checking
Checking
Rates Effective October 15, 2018
More Information Apply
Type and Term2 Minimum Balance to Earn APY1 Dividend Rate Annual Percentage Yield
Dividend Checking $25 0.05% 0.05%
Ultimate Checking $2,500 0.25% 0.25%
business-dividend-checking-account
Business Dividend Checking Account
Rates Effective October 15, 2018
More Information Apply
Minimum Balance to Earn APY1 Dividend Rate APY1
$2,500 0.05% 0.05%
SAVINGS
Rates Effective October 15, 2018
More Information Apply
TYPE AND TERM3 MINIMUM BALANCE TO EARN APY1 DIVIDEND RATE ANNUAL PERCENTAGE YIELD
2nd Savings $25 0.10% 0.10%
Holiday Savings $25 0.10% 0.10%
Savings2 $25 0.10% 0.10%
gosave
GoSave Account Rates
Rates Effective October 15, 2018
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Minimum Balance to Earn APY2 Dividend Rate APY1
$10,000 0.10% 0.10%
$1,000 0.15% 0.15%
$25 0.15% 0.15%
health-savings
HEALTH SAVINGS ACCOUNT
Rates Effective October 15, 2018
More Information Open An Account
Minimum Balance to Earn APY Dividend Rate APY1
$0 0.55% 0.55%
$2,500 0.75% 0.75%
$5,000 0.95% 0.95%
$10,000 1.15% 1.15%