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Rates And Disclosures

Loan Rates

Auto-&-Motorcycle-Loans-2016-to-2017
Auto & Motorcycle Loans — 2021 to 2023
Rates Effective September 26, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
24 Months 6.79% $44.81
36 Months 6.79% $30.87
48 Months 6.94% $23.99
60 Months 7.20% $19.96
72 Months 7.70% $17.45
84 Months* 8.45% $15.87
auto-and-motorcycle-loans-2014-to-2015
Auto & Motorcycle Loans — 2011 to 2020
Rates Effective September 26, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
24 Months 6.94% $44.88
36 Months 6.94% $30.94
48 Months 7.19% $24.11
60 Months 7.65% $20.18
72 Months 8.45% $17.82
auto-and-motorcycle-loans-2008-and-older
Auto & Motorcycle Loans — 2010 and Older
Rates Effective September 26, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
24 Months 8.19% $45.47
36 months 8.35% $31.61
48 Months 8.50% $24.74
60 Months 9.00% $20.84
other-secured-loans
Boats and RV’s 2021 - 2023
Rates Effective September 26, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
63 Months 8.74% $19.93
87 Months 9.24% $15.78
120 Months ($25,000.00 Min) 10.49% $13.55
180 Months ($40,000.00 Min) 11.74% $11.90
boats-rv-used
Boats and RVs 2013-2020
Rates Effective September 26, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
63 Months 9.24% $20.18
87 Months 9.50% $16.02
120 Months ($25,000.00 Min) 10.75% $13.70
180 Months ($40,000.00 Min) 11.75% $11.91
powersports-new
Powersports 2021-2023
Rates Effective September 26, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
39 Months 8.74% $29.66
63 Months 9.24% $20.18
87 Months 9.49% $16.01
120 Months 11.49% $14.13
powersports-used
Powersports 2013-2020
Rates Effective September 26, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
39 Months 8.99% $29.78
63 Months 9.49% $20.30
87 Months 10.24% $16.41
120 Months 12.24% $14.57
express-home-refinance
Express Home Refinance Rates
Rates Effective September 26, 2023
More Information Apply
TYPE AND TERM APR (as low as)1 Monthly Payment
8 Year Fixed 7.250% $13.81
12 Year Fixed 7.375% $10.52
20 Year Fixed 7.500% $8.09
home-equity-line-of-credit-up-to-70%-ltv
Home Equity Line of Credit — Up to 70% LTV (Variable/Fixed)
Rates Effective September 26, 2023
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
3-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 8.00% 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 6.49% $19.62
Fixed 120 Months2 7.49% $11.92
Fixed 180 Months2 8.99% $10.18
home-equity-line-of-credit-up-to-80%-ltv
Home Equity Line of Credit — Up to 80% LTV (Variable/Fixed)
Rates Effective September 26, 2023
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
3-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 8.25% 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 6.49% $19.62
Fixed 120 Months2 7.49% $11.92
Fixed 180 Months2 8.99% $10.18
home-equity-line-of-credit-up-to-90%-ltv
Home Equity Line of Credit — Up to 90% LTV (Variable/Fixed)
Rates Effective September 26, 2023
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
3-Month Fixed Intro Rate4 1.49% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Variable, Revolving3 9.00% 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 7.49% $20.10
Fixed 120 Months2 8.49% $12.45
Fixed 180 Months2 9.49% $10.49
home-equity-line-of-credit-up-to-100%-ltv
Home Equity Line of Credit — Up to 100% LTV (Variable/Fixed)
Rates Effective September 26, 2023
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
3-Month Fixed Intro Rate4 4.49% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Variable, Revolving3 11.50% Prime + 3% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Fixed 60 Months2 10.48% $21.59
Fixed 120 Months2 11.88% $14.36
Fixed 180 Months2 12.23% $12.22
home-equity-loans-up-to-80%-ltv
Home Equity Loans — Up to 80% LTV
Rates Effective September 26, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
36 Months 6.49% $30.74
48 Months 6.49% $23.78
60 Months 6.49% $19.62
84 Months 6.99% $15.15
120 Months 7.49% $11.92
180 Months 8.99% $10.18
home-equity-loans-up-to-90%-ltv
Home Equity Loans — Up to 90% LTV
Rates Effective September 26, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
36 Months 7.49% $31.21
48 Months 7.49% $24.26
60 Months 7.49% $20.10
84 Months 7.99% $15.64
120 Months 8.49% $12.45
180 Months 9.49% $10.49
home-equity-loans-up-to-100%-ltv
Home Equity Loans — Up to 100% LTV
Rates Effective September 26, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
36 Months 10.48% $32.65
48 Months 10.48% $25.72
60 Months 10.48% $21.59
84 Months 10.63% $17.01
120 Months 11.88% $14.36
180 Months 12.23% $12.22
personal-loan-rates
Personal Loan Interest Rates
Rates Effective September 26, 2023
More Information Apply
TERM(up to) APR(as low as)1 Monthly Payment2
24 Months 12.50% $47.55
36 Months 12.50% $33.63
48 Months 12.75% $26.85
60 Months 13.25% $23.01
personal-line-of-credit
Personal Lines of Credit
Rates Effective September 26, 2023
More Information Apply
Type and Term APR1 VPR2 Monthly Payment
Personal Line of Credit, revolving 12.50% 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 September 26, 2023
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 September 26, 2023
More Information Apply
Term (up to) APR1 Monthly Payment2
60 Months 9.75% $21.22
180 Months 10.50% $11.11

Savings, Investment & Checking Rates

certificates
CERTIFICATE RATES
Rates Effective September 26, 2023
More Information Apply
TYPE AND TERM MINIMUM BALANCE TO EARN APY3 DIVIDEND RATE ANNUAL PERCENTAGE YIELD
13-Month Special* $5000 5.22% 5.35%
22-Month Special* $5000 5.13% 5.25%
9 Months $500 4.89% 5.00%
36 Months $500 4.41% 4.50%
60 Months $500 1.39% 1.40%
48 Months $500 1.19% 1.20%
24 Months $500 1.00% 1.00%
18 Months $500 0.70% 0.70%
12 Months $500 0.70% 0.70%
6 Months $500 0.50% 0.50%
3 Months $500 0.30% 0.30%
certificates
CERTIFICATE PLUS RATES
Rates Effective September 26, 2023
More Information Apply
TYPE AND TERM MINIMUM BALANCE TO EARN APY3 DIVIDEND RATE ANNUAL PERCENTAGE YIELD
24-Month Certificate Plus $250 0.75% 0.75%
18-Month Certificate Plus $250 0.45% 0.45%
12-Month Certificate Plus $250 0.45% 0.45%
6-Month Certificate Plus $250 0.25% 0.25%
Ultimate-money-market-account
Ultimate Money Market Account Rates
Rates Effective September 26, 2023
More Information Schedule Appointment
Minimum Balance to Earn APY1 Dividend Rate APY1
$200,000 1.48% 1.49%
$150,000 1.38% 1.39%
$100,000 1.38% 1.39%
$75,000 1.28% 1.29%
$50,000 0.40% 0.40%
$0 0.00% 0.00%
money-market-plus-account
Money Market Plus Account Rates
Rates Effective September 26, 2023
More Information Schedule Appointment
Minimum Balance to Earn APY2 Dividend Rate APY1
$100,000 0.23% 0.23%
$50,000 0.20% 0.20%
$25,000 0.18% 0.18%
$10,000 0.17% 0.17%
$2,500 0.14% 0.14%
$0 0.12% 0.12%
Money Market Plus Promo 
SCHEDULE APPOINTMENT

4.25%

apy2

Balances of $25,000 or more

4.17%

special rate until June 30,20242

Balances of $25,000 or more
money-market-max
Money Market Maximizer
Rates Effective September 26, 2023
More Information Schedule Appointment
Minimum Balance to Earn APY1 Dividend Rate APY
$1,000,000 3.06% 3.10%
$500,000 2.81% 2.85%
$250,000 2.57% 2.60%
$150,000 1.74% 1.75%
$75,000 1.34% 1.35%
ira-savings-rates
IRA Savings Interest Rates
Rates Effective September 26, 2023
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 September 26, 2023
More Information Apply
Type and Term2 Minimum Balance to Earn APY1 Dividend Rate Annual Percentage Yield
Ultimate Checking $2,500 0.10% 0.10%
Dividend Checking $25 0.10% 0.10%
business-dividend-checking-account
Business Dividend Checking Account
Rates Effective September 26, 2023
More Information Apply
Minimum Balance to Earn APY1 Dividend Rate APY1
$2,500 0.10% 0.10%
SAVINGS
Rates Effective September 26, 2023
More Information Apply
TYPE AND TERM3 MINIMUM BALANCE TO EARN APY1 DIVIDEND RATE ANNUAL PERCENTAGE YIELD
Savings2 $25 0.10% 0.10%
2nd Savings $25 0.10% 0.10%
Holiday Savings $25 0.10% 0.10%
gosave
GoSave Account Rates
Rates Effective September 26, 2023
More Information Open An Account
Minimum Balance to Earn APY2 Dividend Rate APY1
$10,000 0.08% 0.08%
$1,000 0.09% 0.09%
$25 0.10% 0.10%
health-savings
HEALTH SAVINGS ACCOUNT
Rates Effective September 26, 2023
More Information Open An Account
Minimum Balance to Earn APY Dividend Rate APY1
$0 0.06% 0.06%
$2,500 0.07% 0.07%
$5,000 0.09% 0.09%
$10,000 0.10% 0.10%