Rates

Explore our competitive rates.

Savings Accounts Rates effective as of November 3, 2021
  Balance APY 1 Dividend Rate
Primary Share Up to $999.99 0.00% 0.00%
$1,000 - $29,999.99 0.03% 0.03%
$30,000 - $74,999.99 0.07% 0.07%
$75,000 - $99,999.99 0.10% 0.10%
$100,000 - $124,999.99 0.12% 0.12%
$125,000 and greater 0.15% 0.15%
Money Market $0.01 - $9,999.99 0.07% 0.07%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.12% 0.12%
$50,000 - $249,999.99 0.20% 0.20%
$250,000 and greater 0.20% 0.20%
Club Account3 Any 0.05% 0.05%
Regular IRA Any 0.15% 0.15%
Youth Accounts Rates effective as of November 3, 2021
  Balance APY 1 Dividend Rate
Starter Savings $1 or greater 0.05% 0.05%
Adventure Savers $1 or greater 0.05% 0.05%
Frequency Savings $10 or greater 0.05% 0.05%
Certificates      Rates effective as of November 3, 2021

 

Minimum Balance Terms APY 1 Dividend Rate
Regular Share Certificate2
$1,000 6 Months 0.08% 0.08%
9 Months 0.08% 0.08%
12 Months 0.33% 0.33%
18 Months 0.43% 0.43%
24 Months 0.60% 0.60%
36 Months 0.70% 0.70%
Premium Share Certificate2
$10,000 6 Months 0.18% 0.18%
9 Months 0.18% 0.18%
12 Months 0.40% 0.40%
18 Months 0.50% 0.50%
24 Months 0.65% 0.65%
36 Months 0.75% 0.75%
48 Months 0.80% 0.80%
60 Months 0.85% 0.85%
Adventure Savers Share Certificate2 $250 3 Months 0.05% 0.05%
Frequency Share Certificate2 $500 3 Months 0.10% 0.10%
Regular IRA Share Certificate2 $1,000 6 Months 0.08% 0.08%
9 Months 0.08% 0.08%
12 Months 0.33% 0.33%
18 Months 0.43% 0.43%
24 Months 0.60% 0.60%
36 Months 0.70% 0.70%
Premium IRA Share Certificate2 $10,000 6 Months 0.18% 0.18%
9 Months 0.18% 0.18%
12 Months 0.40% 0.40%
18 Months 0.50% 0.50%
24 Months 0.65% 0.65%
36 Months 0.75% 0.75%
48 Months 0.80% 0.80%
60 Months 0.85% 0.85%

1APY=Annual Percentage Yield. APYs accurate as of the last dividend declaration date of 11/3/21. Variable rate accounts. Rates, terms and conditions are subject to change anytime after account opening, as determined by the credit union, except that share certificate accounts remain fixed until maturity. Fees may reduce earnings. For dividend-bearing accounts, dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in your account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
2Term Share (Certificate) Accounts will mature as reflected above (with a maturity ranging from 3 to 60 months) and the maturity date will be stated on the certificate provided to you at the time of opening your account. A penalty may be imposed if any funds are withdrawn from the account prior to the maturity date.
3$25 minimum opening deposit.

Impact Business Checking1
Rates effective as of November 3, 2021
Minimum Balance APY2 Dividend Rate
Up to $249,999.99 0.00% 0.00%
$250,000 or greater 0.15% 0.15%

1$100 minimum balance to open an account.

2APY= Annual Percentage Yield. APYs accurate as of the last dividend declaration date of 11/3/2021. Variable rate accounts. Rates, terms and conditions are subject to change anytime after account opening, as determined by the credit union. Fees may reduce earnings. For dividend-bearing accounts, dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in your account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

 

Auto, Truck, SUV (New & Used 2007 - 2022)1
Mileage cannot exceed 200k miles.
Effective Date: May 2, 2022
Minimum Loan Amount Term in Months APR2
As Low As
$5,000 12-48 2.24%
$7,500 49-60 2.89%
$10,000 61-66 2.89%
$15,000 67-72 3.39%
$15,000 73-84 3.79%

1 APR=Annual Percentage Rate. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval.
For 48 monthly payments at 2.24% APR the repayment amount would be $21.81 per $1,000 borrowed.
For 60 monthly payments at 2.89% APR the repayment amount would be $17.93 per $1,000 borrowed.
For 66 monthly payments at 2.89% APR the repayment amount would be $16.41 per $1,000 borrowed.
For 72 monthly payments at 3.39% APR the repayment amount would be $15.37 per $1,000 borrowed.
For 84 monthly payments at 3.79% APR the repayment amount would be $13.57 per $1,000 borrowed.

 

Recreational Vehicle1
(New & Used Maximum Age Ten Calendar Years) 
Effective Date: December 1, 2020
Minimum Loan Amount Term in Months APR2
As Low As
$2,500 36 6.25%
$5,000 48 6.25%
$7,500 60 6.25%
$15,000 72 6.25%
$20,000 84 6.25%
$20,000 96 6.25%
$20,000 120 6.25%
$40,000 144 6.25%
$40,000 180 6.25%

1 APR=Annual Percentage Rate.  All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval. Add 2% for mileage over 100K or Classic/Custom Motorcycles.
For 36 monthly payments at 6.25% APR the repayment amount would be $30.54 per $1,000 borrowed.
For 48 monthly payments at 6.25% APR the repayment amount would be $23.61 per $1,000 borrowed.
For 60 monthly payments at 6.25% APR the repayment amount would be $19.46 per $1,000 borrowed.
For 72 monthly payments at 6.25% APR the repayment amount would be $16.70 per $1,000 borrowed.
For 84 monthly payments at 6.25% APR the repayment amount would be $14.74 per $1,000 borrowed.
For 96 monthly payments at 6.25% APR the repayment amount would be $13.27 per $1,000 borrowed.
For 120 monthly payments at 6.25% APR the repayment amount would be $11.23 per $1,000 borrowed.
For 144 monthly payments at 6.25% APR the repayment amount would be $9.90 per $1,000 borrowed.
For 180 monthly payments at 6.25% APR the repayment amount would be $8.58 per $1,000 borrowed.

 

Home Equity Line of Credit Effective Date: June 16, 2022
Minimum Loan Amount Maximum Loan Amount APR 1
$25,000 $500,000 5.50% - 15.00%

1APR = Annual Percentage Rate. All loans subject to credit approval. Rates effective as of 6/16/22/22. Rates, terms and conditions subject to change. The minimum APR is 5.50%. The maximum APR is 15.00%. The APR is variable, based on an index and margin. Maximum rate adjustment is 3% each adjustment period. Variable rate is based on the highest commercial prime rate correctly published daily in the Wall Street Journal, Western Edition (the "index"), plus 0.75% to 2.25% depending on FICO score (the "margin"). You may pay certain fees ranging from $300 to $1500 to third parties to open a line of credit. $75 over-the-limit fee. Appraisal fee and Title fee may be required. Please see Schedule of Fees for a full list of potentially applicable fees. Qualification based on credit history, debt, loan-to-value, and the ability to repay. Property insurance required. Minimum loan amount is $25,000. Maximum loan amount is $500,000. $100 minimum draw. The maximum term is 25 years, which includes a 10-year draw period and a 15-year repayment term. Primary Residence: 80% Maximum Combined Loan-To-Value (CLTV). Investment Property: 70% Maximum Combined Loan-To-Value (CLTV). Membership requirements apply. Membership requires a savings account opened with an initial $25.00 deposit plus a $5.00 one-time membership fee, for a total of $30.00. New accounts subject to ChexSystems. Other restrictions may apply.

Mortgage Rates
For today's Mortgage Rates, please click here.
POINTS REWARDS CREDIT CARD Effective June 1, 2022
Interest Rates and Interest Charges
Annual Percentage Rate (APR)1 for Purchases 9.74%-19.74%, based on your creditworthiness at time of application. After account approval, this APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 9.74%-19.74%, based on your creditworthiness at time of application. After account approval, this APR will vary with the market based on the Prime Rate.
APR for Cash Advances 9.74%-19.74%, based on your creditworthiness at time of application. After account approval, this APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay entire balance by the due date each month.
Minimum Interest Charge
If you are charged period interest the charge will be no less than $0.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
FEES
Annual Fees NONE
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Fees
 
Either $5 or 3% of the amount of each transfer, whichever is greater.
Either $10 or 5% of the amount of each Cash Advance, whichever is greater.
Up to 1% of each transaction, regardless of the currency, with the fee charged in U.S. dollars.
Penalty Fees
  • Late Payment
  • Over the Limit Fee
  • Returned Payment
Up to $10
NONE
Up to $20

Other Fees

  • Expedited Phone Payment
  • Rush Card Fee
  • Reissue Fee
 
$10
$40
NONE
CASH BACK CREDIT CARD Effective June 1, 2022
Interest Rates and Interest Charges
Annual Percentage Rate (APR)1 for Purchases 9.74%-19.74%, based on your creditworthiness at time of application. After account approval, this APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 9.74%-19.74%, based on your creditworthiness at time of application. After account approval, this APR will vary with the market based on the Prime Rate.
APR for Cash Advances 9.74%-19.74%, based on your creditworthiness at time of application. After account approval, this APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay entire balance by the due date each month.
Minimum Interest Charge
If you are charged period interest the charge will be no less than $0.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
FEES
Annual Fees NONE
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Fees
 
Either $5 or 3% of the amount of each transfer, whichever is greater.
Either $10 or 5% of the amount of each Cash Advance, whichever is greater.
Up to 1% of each transaction, regardless of the currency, with the fee charged in U.S. dollars.
Penalty Fees
  • Late Payment
  • Over the Limit Fee
  • Returned Payment
Up to $10
NONE
Up to $20

Other Fees

  • Expedited Phone Payment
  • Rush Card Fee
  • Reissue Fee
 
$10
$40
NONE
BUSINESS CASH BACK CREDIT CARD Effective June 1, 2022
Interest Rates and Interest Charges

Annual Percentage Rate (APR)1 for Purchases

0% introductory APR for 12 months from the date of first purchase when purchases are completed within 60 days from the date of the account approval.
 
After that, 14.74%-20.74%, based on your creditworthiness at time of application. After account approval, this APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
14.74%-20.74%
This APR can vary monthly with the market based on the Prime Rate.
APR for Cash Advances
14.74%-20.74%
This APR can vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay entire balance by the due date each month.
Minimum Interest Charge
If you are charged period interest the charge will be no less than $0.50.
FEES
Annual Fees NONE
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Fees
 
Either $5 or 5% of the amount of each transfer, whichever is greater.
Either $15 or 5% of the amount of each Cash Advance, whichever is greater.
NONE
Penalty Fees
  • Late Payment
  • Over the Limit Fee
  • Returned Payment
Up to $40
NONE
Up to $40

Other Fees

  • Expedited Phone Payment
  • Rush Card Fee
  • Reissue Fee
 
$10
$40
NONE
1APR = Annual Percentage Rate. Based on your creditworthiness. All loans are subject to approval. Your APR will vary with the market based on the Prime Rate. See Cardholder Agreement for details.
 
PERSONAL LOANS
Half Off Promotion
Effective Date: April 1, 2022
Minimum Loan Amount Term in Months APR2
Special Rates As Low As
$500 12 4.50%
$1,000 13-24 4.50%
$2,500 25-36 4.50%
$5,000 37-60 4.50%

2 APR=Annual Percentage Rate. 60 monthly payments of $18.65 per $1,000 borrowed at 4.50% fixed APR. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval.