Rates

All rates are subject to change without notice.

Loan Rates

Contact your local office for current rates of all loans including fixed-term or adjustable-rate mortgages, lot and construction loans, other personal installment loans and more!

Loan Options

Additional loan disclosures

Rates are subject to change without notice and based upon credit approval. Please visit a lender for current information about our loan rates. Stated rates are for purchase money transactions or refinance transactions with no cash-out. (Cash-out is defined as any additional funds disbursed other than refinancing the first mortgage). The actual interest rate available to you will be based on your credit history and individual loan to approved value ratio.

Credit Cards

Consumer Visa^® Classic and Platinum Cards

13.650% APR*

Rates are effective as of March 1, 2023.

Annual fee:

Classic: $15
Platinum: fee waived

Personal Credit Cards

Business Visa^®

14.900% APR*

Business Credit Cards

Deposit Interest Rates

*APY = Annual Percentage Yield

Certificate of Deposit note: $50 Minimum add-on amount for Dollars for Scholars, $500 minimum add-on for all other add-on products.

Unless otherwise noted, rates are effective March 30, 2023 - April 5, 2023

Certificates of Deposit - Fixed Rate

Comparison table of Certificates of Deposit - Fixed Rate
	Min. Opening Deposit	Interest Rate	APY*
3 Month	$1,000.00	0.750%	0.750%
6 Month	$1,000.00	1.300%	1.300%
12 Month	$1,000.00	1.800%	1.800%
15 Month One Up	$1,000.00	1.900%	1.900%
15 Month Add On	$1,000.00	1.900%	1.900%
18 Month	$1,000.00	1.950%	1.950%
24 Month	$1,000.00	2.200%	2.200%
36 Month	$1,000.00	2.250%	2.250%
48 Month	$1,000.00	2.300%	2.300%
60 Month	$1,000.00	2.350%	2.350%

Certificates of Deposit - Variable Rate

Comparison table of Certificates of Deposit - Variable Rate
	Min. Opening Deposit	Interest Rate	APY*
21 Month Add On	$1,000.00	2.000%	2.000%
Dollars for Scholars - 36 Month	$300.00	2.300%	2.300%

Variable rate valid through April 26, 2023

IRA Certificates of Deposit

Comparison table of IRA Certificates of Deposit
	Min. Opening Deposit	Interest Rate	APY*
6 Month - Fixed Rate	$1,000.00	1.300%	1.300%
12 Month - Fixed Rate	$1,000.00	1.800%	1.800%
18 Month - Fixed Rate	$1,000.00	1.950%	1.950%
24 Month - Fixed Rate	$1,000.00	2.200%	2.200%
36 Month - Fixed Rate	$1,000.00	2.250%	2.250%
60 Month - Fixed Rate	$1,000.00	2.350%	2.350%
21 Month Add On - Variable Rate	$1,000.00	2.000%	2.000%

Variable rate valid through April 26, 2023

Money Market Account

Comparison table of Money Market Account
	Min. Opening Deposit	Interest Rate	APY*
$0 – $24,999	$0.00	0.750%	0.750%
$25,000 – $49,999	$0.00	1.000%	1.000%
$50,000 – $99,999	$0.00	1.150%	1.160%
$100,000 – $249,999	$0.00	1.500%	1.510%
$250,000 and over	$0.00	1.750%	1.760%

Money Market IRA

Comparison table of Money Market IRA
Tier	Min. Opening Deposit	Interest Rate	APY*
$0 – $24,999	$0.00	0.750%	0.750%
$25,000 – $49,999	$0.00	1.000%	1.000%
$50,000 – $99,999	$0.00	1.150%	1.160%
$100,000 – $249,999	$0.00	1.500%	1.510%
$250,000 and over	$0.00	1.750%	1.760%

Health Savings Accounts

Comparison table of Health Savings Accounts
	Min. Opening Deposit	Interest Rate	APY*
$0 – $24,999	$0.00	0.020%	0.020%
$25,000 – $49,999	$0.00	0.030%	0.030%
$50,000 – $99,999	$0.00	0.050%	0.050%
$100,000 – $249,999	$0.00	0.100%	0.100%
$250,000 and over	$0.00	0.100%	0.100%

Checking Accounts - Personal Interest Bearing & Non-Profit

Comparison table of Checking Accounts - Personal Interest Bearing & Non-Profit
	Min. Opening Deposit	Interest Rate	APY*
$0 – $24,999	$0.00	0.010%	0.010%
$25,000 – $49,999	$0.00	0.020%	0.020%
$50,000 – $99,999	$0.00	0.020%	0.020%
$100,000 – $249,999	$0.00	0.020%	0.020%
$250,000 and over	$0.00	0.030%	0.030%

Checking Accounts - Small Business, Premier Business, Standard Business & Public Funds with Interest

Comparison table of Checking Accounts - Small Business, Premier Business, Standard Business & Public Funds with Interest
	Min. Opening Deposit	Interest Rate	APY*
$0 – $24,999	$0.00	0.010%	0.010%
$25,000 – $49,999	$0.00	0.020%	0.020%
$50,000 – $99,999	$0.00	0.020%	0.020%
$100,000 – $249,999	$0.00	0.020%	0.020%
$250,000 and over	$0.00	0.030%	0.030%

Private Checking

Comparison table of Private Checking
	Min. Opening Deposit	Interest Rate	APY*
$0 – $24,999	$0.00	0.020%	0.020%
$25,000 – $49,999	$0.00	0.030%	0.030%
$50,000 – $99,999	$0.00	0.050%	0.050%
$100,000 – $249,999	$0.00	0.100%	0.100%
$250,000 and over	$0.00	0.100%	0.100%

Savings Accounts

Comparison table of Savings Accounts
	Min. Opening Deposit	Interest Rate	APY*
Statement Savings	$0.00	0.050%	0.050%
Steps Savings ($100 and over)	$0.00	0.150%	0.150%
Holiday Savings	$0.00	0.100%	0.100%