Personal Rates

 

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of today. Rates last updated September 1, 2020. Fees may reduce earnings. Rates are subject to change without notice.

Checking

ProductMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / Paid
Basic Checking$15N/AN/AN/AN/AN/A
Varsity / College Checking$5N/AN/AN/AN/AN/A
Secure Checking$10$1,5000.05%0.05%VariableMonthly

Savings

ProductMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / Paid
Regular Share/Savings$0$1000.10%0.10%VariableQuarterly
College Savings$0$1000.10%0.10%VariableQuarterly
Buddy Bee / Varsity Savings$0$250.15%0.15%VariableQuarterly

Club Accounts

ProductMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / Paid
Christmas Club$10$100.20%0.20%VariableMonthly
Vacation Club$5$50.20%0.20%VariableQuarterly

Individual Retirement Accounts (IRAs)

TermMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / Paid
Share / Savings$50$500.25%0.25%VariableQuarterly
12 Month$500$5000.45%0.45%FixedQuarterly
24 Month$500$5000.50%0.50%FixedQuarterly
36 Month$500$5000.55%0.55%FixedQuarterly
48 Month$500$5000.60%0.60%FixedQuarterly
60 Month$500$5000.65%0.65%FixedQuarterly

Money Market Accounts

ProductMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / Paid
Tier 1$2,500$2,500 - $49,999.990.25%0.25%VariableMonthly
Tier 2-$50,000 - $99,999.990.30%0.30%VariableMonthly
Tier 3-$100,000 - $249,999.990.35%0.35%VariableMonthly
Tier 4-$250,000+0.40%0.40%VariableMonthly

Term Share Certificates

TermMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / Paid
90 Days$1,000$1,0000.30%0.30%FixedMonthly
6 Month$1,000$1,0000.35%0.35%FixedMonthly
9 Month$1,000$1,0000.40%0.40%FixedMonthly
12 Month$1,000$1,0000.45%0.45%FixedMonthly
18 Month$1,000$1,0000.45%0.45%FixedMonthly
24 Month$1,000$1,0000.50%0.50%FixedMonthly
36 Month$1,000$1,0000.55%0.55%FixedMonthly
48 Month$1,000$1,0000.60%0.60%FixedMonthly
60 Month$1,000$1,0000.65%0.65%FixedMonthly

Personal Loans

ProductLoan TermAPRLoan MinimumLoan Maximum
Signature Loan12 Months7.49%$500$5,000
Signature Loan Up to 36 Months8.00% - 16.75%$500$30,000
Signature Loan37 - 60 Months8.49% - 17.25%$8,000$30,000
Savings Secured LoanUp to 120 months3% over savings rate$1,000As much as held in savings
Debt ConsolidationUp to 36 Months7.49%$500$10,000
Disaster Relief Loan18 Months6.99%$500$5,000
Overdraft Line of CreditN/A9.50% - 18.00%$500$30,000

Adoption Loans

ProductLoan TermAPRLoan MinimumLoan Maximum
Adoption LoanUp to 60 Months6.49% - 13.65%$5,000$30,000
Adoption Loan61 - 72 Months7.49% - 14.65%$5,000$30,000
Adoption Loan73 - 84 Months8.49% - 15.40%$5,000$30,000
Adoption Line of CreditUp to 60 Months7.99% - 14.99%$5,000$30,000

Vehicle Loans

ProductLoan TermAPRLoan MinimumLoan Maximum
New Auto1 - 36 Months2.49% - 16.90%$500$130,000
New Auto37 - 60 Months2.49% - 16.90%$5,000$130,000
New Auto61 - 72 Months2.74% - 16.90%$15,000$130,000
New Auto73 - 84 Months2.99% - 9.49%$25,000$130,000
Used Auto1 - 36 Months2.24% - 16.90%$500$130,000
Used Auto37 - 60 Months2.74% - 16.90%$5,000$130,000
Used Auto 61 - 72 Months2.99% - 16.90%$15,000$130,000
Used Auto73 - 84 Months3.24% - 10.79%$25,000$130,000
First Time Auto Buyer1 - 60 Months8.74% - 10.24%$500$15,000
First Time Auto Buyer61 - 72 Months8.99% - 10.49%$500$15,000
Fresh Start Auto60 Months16.90%$5,000$30,000

Education Loans

ProductLoan TermAPRRate TypeLoan MinimumLoan Maximum
Private Student LoanUp to 10 Years3.50% - 8.25%Variable$1,000$30,000
Parent Loan5 Years4.62% - 8.25%Fixed$1,000$30,000
Parent Loan10 Years5.72% - 9.44%Fixed$1,000$30,000
Student Loan Refinance5 Years2.75% - 4.75%Variable$5,000$30,000
Student Loan Refinance10 Years3.75% - 5.75%Variable$5,000$30,000
Student Loan Refinance15 Years4.75% - 7.25%Variable$5,000$30,000
Student Loan Refinance5 Years3.30% - 5.90%Fixed$5,000$30,000
Student Loan Refinance10 Years3.80% - 6.40%Fixed$5,000$30,000
Student Loan Refinance 15 Years5.30% - 7.75%Fixed$5,000$30,000
Graduate Line of Credit20 or 25 years3.50% - 9.25%Variable$1,000$30,000

Home Equity Line of Credit (HELOC)

ProductLoan TermAPRLoan Minimum
HELOC Quarterly Adjustable30 Years3.25% - 7.00%$20,000
HELOC Annual Adjustable30 Years3.75% - 7.75%$20,000
HELOC 3-Year Re-Price30 Years4.49% - 8.25%$20,000
HELOC Non-Owner Occupied30 Years5.25% - 8.50%$20,000

Credit Cards

Card TypeAPRMinimum Credit Line AvailableMaximum Credit Line Available
VISA® Signature Rewards10.40% - 18.40%$5,000$30,000
VISA® Platinum Rewards11.15% - 16.15%$1,000$30,000
VISA® Platinum10.65% - 15.65%$1,000$30,000
Share-Secured VISA®18.24% - 22.75%$1,000$10,000