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APY = Annual Percentage Yield. Rates effective as of November 22, 2019. Fees may reduce earnings.


CD Rates/IRA Rates Learn More

Term Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rate Annual Percentage Yield
6 month (N/A IRA) $2,500.00 $2,500.00 1.95% 2.00%
12 month $500.00 $500.00 1.37% 1.40%
15 month SPECIAL! $500.00 $500.00 1.95% 2.00%
18 month $500.00 $500.00 1.18% 1.20%
24 month $500.00 $500.00 1.18% 1.20%
30 month $500.00 $500.00 1.18% 1.20%
31 month (One Time Rate Change Option) $500.00 $500.00 1.18% 1.20%
36 month $500.00 $500.00 1.32% 1.35%
48 month $500.00 $500.00 1.18% 1.20%
59 month $500.00 $500.00 1.18% 1.20%
60 month (One Time Rate Change Option) $500.00 $500.00 1.27% 1.30%
72 month $500.00 $500.00 1.47% 1.50%

A penalty may be imposed for early withdrawal.

Money Market Rates Learn More

Daily Balance Minimum Opening Deposit Interest Rate Annual Percentage Yield
Up to $2,499.99 $2,500.00 0.00% 0.00%
$2,500.00 - $4,999.99 $2,500.00 0.10% 0.10%
$5,000.00 - $9,999.99 $2,500.00 0.25% 0.25%
$10,000.00 - $39,999.99 $2,500.00 0.25% 0.25%
$40,000.00 - $9,999,999.00 $2,500.00 0.49% 0.50%

The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.

Checking Rates

Account Type Minimum Opening Deposit Minimum Balance* Interest Rate Annual Percentage Yield
50+ Free Interest Checking With Rewards $25.00 $0.00 0.10% 0.10%
VIP Free Interest Checking With Rewards $25.00 $0.00 0.10% 0.10%
High Interest Checking (Balances up to $2,499.99)
With Rewards
$25.00 $0.00 0.10% 0.10%
High Interest Checking (Balances $2,500.00-$25,000)
With Rewards
$25.00 $2,500.00 0.49% 0.50%
High Interest Checking (Balances above $25,001)
With Rewards
$25.00 $25,001 0.10% 0.10%
Free Checking With Rewards $25.00 $0.00 0.00% 0.00%

*Daily balance. The amount of the principal in the account each day.
The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.

Savings Rates

Account Type Minimum Opening Deposit Minimum Balance* Interest Rate Annual Percentage Yield
Statement Savings $10.00 $10.00 0.10% 0.10%

*Daily balance. The amount of the principal in the account each day.
The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.

Mortgage Rates Learn More

Program Name Interest Rate APR Payment
15 YR FRM (15 Yr) 3.750% 3.860% $ 1,090.83
Conventional (30 Yr) 4.250% 4.317% $   737.91
5 YR ARM (30 Yr) 3.850% 3.893% $   703.21
VA Loan (30 Yr) 3.375% 3.601% $   677.29
Rural Devel (30 Yr) 4.387% 4.854% $   749.99

 

Payment calculations are based on Sale Amount: $187,500, 20% Down, $150,000 Loan Amount (Term indicated in product name). Rates are subject to change without notice. Payments do not include amounts for taxes and insurance premiums (if applicable) and your actual payment obligation will be greater.

Auto/Truck Loans

Auto/Trucks Credit Scores (&Fixed Rates)  
  740 Plus 700-739 699 or Less  Maximum Term
2020-2019  4.50% 5.95% 9.45% 66 Months
2018-2017   4.50% 5.95% 9.95% 66 Months
2016-2013   4.50% 5.95% 12.00% 48 Months
2012 & Older     See Personal Loan Rates 48 Months
         

EXAMPLE: A $2,500.00 secured personal loan financed for 60 months at an interest rate of 12.00% = a monthly payment of $55.61

This information is a hypothetical estimate. This is not a guarantee, agreement, or commitment to loan funds or extend credit. Interest rates and terms are accurate as of today and are subject to change at any time without notice. You must submit an application to have your credit request considered. All loan applications are subject to credit approval.

Motorcycles

 

Motorcycles Credit Scores (& Fixed Rates)

 

Model Year  740 Plus 700-739 699 or Less Maximum Term
 2020-2019 6.50% 6.95% 9.45% 66 Months
 2018-2017 6.50% 6.95% 9.95% 66 Months
 2016-2013 6.50% 6.95% 12.00% 48 Months
 2012 & Older See secured Personal Loan Rates 48 Months

EXAMPLE: A $10,000.00 secured personal loan financed for 60 months at an interest rate of 6.5000%  would equal a payment of $195.66.

This information is a hypothetical estimate. This is not a guarantee, agreement, or commitment to loan funds or extend credit. Interest rates and terms are accurate as of today and are subject to change at any time without notice. You must submit an application to have your credit request considered. All loan applications are subject to credit approval.

Personal Loans/Home Improvement/Snowmobiles/Utility Trailers/Jet Ski

 

Personal Loan, Home Improvement, Snowmobile, Lawn Tractor, Jet Ski, Utility Trailer (Over $2,500)
 Category    Credit Scores (& Fixed Rates)   Maximum Term
   740 Plus 700-739 699-680 680/Less  
 Secured 7.25% 8.75%  10.75% 14.25% 5 Years
 Unsecured 8.25% 9.75% 12.75% 17.00% 5 Years
      
Personal Loan, Home Improvement, Snowmobile, Lawn Tractor, Jet Ski, Utility Trailer ($1,500-$2,499)
 Secured 12.00% 12.00%  12.00% 14.25% 5 Years
 Unsecured 17.00% 17.00$ 17.00% 17.00% 5 Years

Boats/Trailers/Travel Trailers/Campers/RV's

Credit Scores & Fixed Rates 
Category 740 Plus 700-739 699 or Less Maximum Term
New: $10,000 and over 5.75% 7.50% 9.95%

10 Years

New: Under $10,000 5.75% 7.50% 8.95%

5 Years

Used: $10,000 and over 5.75% 7.50% 8.95%

5 Years

Used: Under $10,000 5.75% 7.50% 8.95%

5 Years

EXAMPLE: A $10,000.00 secured personal loan financed for 60 months at an interest rate of 7.5000%  would equal a payment of $200.38.

This information is a hypothetical estimate. This is not a guarantee, agreement, or commitment to loan funds or extend credit. Interest rates and terms are accurate as of today and are subject to change at any time without notice. You must submit an application to have your credit request considered. All loan applications are subject to credit approval.