Rates

Our Current Rates

Credit unions are known for "giving back" to their communities with competitive rates on savings, checking, loans, and credit cards. It is just another benefit of belonging to a cooperative!
 
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Current Savings, Certificate and IRA Rates

 

Savings Accounts

Savings Account Minimum Dividend Rate (%) APY (%)
Primary & Secondary $5 0.449 0.45
Wealth Builder None 1.440 1.45
See disclosures for details.

Club Savings Accounts

Club Account Minimum Dividend Rate (%) APY (%)
Christmas Club $5 0.499 0.50
Vacation Club $5 0.499 0.50
Challenge Club See Deposit Amount Chart Fill In for 2026/7 Fill In for 2026/7
See disclosures for details.

Youth Savings Accounts

Youth Savings Account Minimum Dividend Rate (%) APY (%)
Money Minder (Ages 12 & under) $5 0.499 0.50
Money Maker (Ages 13 to 17) $5 0.499 0.50
Money Maker (Ages 13 to 17) $1,000 0.996 1.00
See disclosures for details.

Certificates & IRAs

Certificate/IRA Minimum  Dividend Rate (%)  APY (%) 
Smart Saver Certificate (12 Month) None 1.946 1.96
Share or IRA Certificate (5 Year) $1,000 3.893 3.95
Share or IRA Certificate (4 Year) $1,000 3.844 3.90
Share or IRA Certificate (3 Year) $1,000 3.796 3.85
Share or IRA Certificate (2 Year) $1,000 3.796 3.85
Share or IRA Certificate (18 Month) $1,000 3.650 3.70
Share or IRA Certificate (12 Month) $1,000 3.552 3.60
Share Certificate (6 Month)* $1,000 3.455 3.50
Share Certificate (3 Month)* $1,000 3.357 3.40
Jumbo Share or IRA Certificate (5 Year) $10,000 4.378 4.45
Jumbo Share or IRA Certificate (4 Year) $10,000 4.329 4.40
Jumbo Share or IRA Certificate (3 Year) $10,000 4.281 4.35
Jumbo Share or IRA Certificate (2 Year) $10,000 4.281 4.35
Jumbo Share or IRA Certificate (18 Month) $10,000 4.135 4.20
Jumbo Share or IRA Certificate (12 Month) $10,000 4.038 4.10
Jumbo Share Certificate (6 Month)* $10,000 3.941 4.00
Jumbo Share Certificate (3 Month)* $10,000 3.844 3.90
Variable Rate IRA None 0.499 0.50
*No IRA Available.
Dividends are compounded daily and paid quarterly for Savings Accounts.
Certificates: A penalty may be imposed if you withdraw any of the funds before the maturity date. Rates are subject to change without notice and may change after account is opened. Fees may reduce the earnings on all accounts.
See disclosures for details.

Current Checking Account Rates

 

Checking Accounts

Checking Account Minimum Dividend Rate (%) APY (%)
Legacy Checking Under $500 0.000 0.000
Legacy Checking $500 0.025 0.025
Checking Account
(Qualifications Met*)		 Minimum Dividend Rate (%) APY (%)
Premier Checking Under $999 0.000 0.00
Premier Checking $1,000 to $9,999 1.736 1.75
Premier Checking $10,000 to $49,999 2.716 2.75
Premier Checking $50,000 to $99,999 3.203 3.25
Premier Checking $100,000 to $199,999 3.687 3.75
Premier Checking $200,000 3.928 4.00
Checking Account
(Qualifications Not Met*)		 Minimum Dividend Rate (%) APY (%)
Premier Checking Under $9,999 0.000 0.00
Premier Checking $10,000 0.499 0.50
*See Checking Product Guide for details. See disclosures for details.

Youth Checking Account

Checking Account Minimum Dividend Rate (%) APY (%)
Hawks Checking (Ages 18 & under) None 0.025 0.03
See disclosures for details.

Business Checking Accounts

Checking Account Minimum Dividend Rate (%) APY (%)
Business Checking Under $1,000 0.000 0.000
Business Checking $1,000 0.025 0.025 
Organization Checking Under $500 0.000 0.000
Organization Checking $500 0.025 0.025
See disclosures for details.

Current Consumer Loan Rates

 

Auto Loans

Loan Type Available Terms Our Lowest APR*
Automobiles
Cars, Trucks, & Motorcycles
 Up to 84 Months As Low as 5.39%
Recreational Vehicles
Snowmobiles, ATVs, Jet Skis, Ski-Doos & Golf Carts
 Up to 84 Months As Low as 8.49%
*APR means Annual Percentage Rate. Consumer loans are subject to credit approval. Terms may be limited based upon the age of vehicle and credit history. See disclosures for details.

Consumer Loans

Loan Type Available Terms Our Lowest APR*
Signature Loan Up to 60 Months As low as 10.91%
*APR means Annual Percentage Rate. Consumer loans are subject to credit approval. Terms may be limited based upon credit history. See disclosures for details.

Variable Rate Loans

Loan Type Our Lowest APR*
Kwik Cash
As Low as Prime + 5.00%
(Rate is based on the Prime Lending Rate as published in The Wall Street Journal)
*APR means Annual Percentage Rate. Consumer loans are subject to credit approval. Terms may be limited based upon credit history. See disclosures for details.

Fixed Rate Loans

Loan Type Our Lowest APR*
Share Secured
Share + 3.00%
(Rate is 3.00% above the applicable share rate, with a minimum rate of 6.00%)
(Rate is based on the Prime Lending Rate as published in The Wall Street Journal)
*APR means Annual Percentage Rate. Consumer loans are subject to credit approval. Terms may be limited based upon credit history. See disclosures for details.

Current Home Equity Rates

 

Home Equity Line of Credit (HELOC)

Loan-to-Value APR*
Up to 80% LTV
As Low as Prime
Up to 90% LTV As Low as Prime + 0.99%
*APR means Annual Percentage Rate. Loans are subject to credit approval. Terms may be limited based upon credit history. See disclosures for details.
 
Rate Details
  • Up to 80% LTV: Lifetime floor of 2.99% APR and ceiling of 18.00% APR.
  • Up to 90% LTV: Lifetime floor of 3.99% APR and ceiling of 18.00% APR.
  • Rate is based on the Prime Lending Rate as published in The Wall Street Journal.

Home Equity Fixed Rate Loans

Loan-to-Value APR*
Up to 80% LTV As Low as 6.01%
Up to 90% LTV As Low as 7.51%
*APR means Annual Percentage Rate. Loans are subject to credit approval. Terms may be limited based upon credit history. See disclosures for details.
 
  • Rate is based on the Prime Lending Rate as published in The Wall Street Journal.
  • For more information, view our Home Equity Brochure (PDF) and Home Equity Disclosures (PDF).
  • These rates are an indication of our current rates and are subject to change without notice. Your rate may be different than the rates shown here. Call one of our Mortgage Loan Specialists to get a customized quote at 800.779.5555.

Exploring a Mortgage?

Find Current Mortgage Rates
From buying your first home to refinancing your current home, our Mortgage Team is here to help you find a financing option that fits your needs.
  • Mortgage rates change frequently, so check today's rates before you get started.
 
Looking for more than rates? Visit our Mortgage Center to explore mortgage options, payment information, and helpful home-buying resources.
Rates are subject to change. Additional terms, conditions, and fees may apply.
See disclosures for details.

Current Credit Card Rates

 

Personal Credit Cards

Credit Card APR* Details
Local First Credit Card 12.00% – 18.00% Explore Local First Credit Card
Great Rate Credit Card 12.00% – 18.00% Explore Great Rate Credit Card
REWARD$ Credit Card 13.00% – 21.00% Explore REWARD$ Credit Card
Legacy Credit Card 11.50% The Legacy Credit Card is no longer offered to new applicants. Existing cardholders remain subject to the terms of their current credit card agreement.
*APR means Annual Percentage Rate. APR applies to purchases, cash advances, and balance transfers. APR is based upon credit history. Credit Cards are subject to credit approval. See disclosures for details.
 

Business Credit Cards

Credit Card APR* Details
Visa® Business Credit Card
13.20% – 15.20%
*APR means Annual Percentage Rate. APR applies to purchases, cash advances, and balance transfers. This APR will vary with the market based on the Prime Rate and credit history. Penalty APR and when it applies: none. Credit Cards are subject to credit approval. See disclosures for details.
 
Interest
Minimum Interest Charge: $0.50
Paying Interest: Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases or balance transfers if you pay your entire new purchase or balance transfer balance by the due date each month. For Cash Advances, we will begin charging interest on the transaction date.
 
Fees
Annual Fee: None
Transaction Fees Penalty Fees

Balance Transfer: None

Cash Advance: None

Foreign Transaction: A 1% Visa® International Service Assessment Fee will be assessed on all transactions the merchant processes outside the United States (which may include internet transactions), regardless of whether you are located inside or outside the United States at the time of the transaction.

Late Payment: Up to $25 per month, if your minimum payment is not received by the end of the billing cycle as shown on your periodic statement.

Returned Payment: Up to $15 if your payment is returned for any reason.



















































Financial Wellness Terms & Resources

Annual Percentage Yield (APY) reflects the amount you can expect to earn on your account over a one-year period, assuming the funds remain in the account and dividends are compounded according to the account's terms. APY can help you compare the potential earnings of different savings products.
  • The APY is accurate as of the Effective Date.
  • Rates may change after you open your account.


The Dividend Rate is the annual rate used to calculate the dividends you earn on your account. Your actual dividend earnings may vary based on your account balance, the amount of time funds remain in the account, and the account's terms.
  • The Dividend Rate is accurate as of the Effective Date.
  • Rates may change after you open your account.


Dividends are calculated and paid according to the terms of each account. Compounding allows dividends you earn to remain in your account and potentially earn additional dividends. Refer to the applicable account disclosures for specific dividend calculation and payment details.
  • Dividends are compounded daily and paid quarterly for Savings Accounts.


Annual Percentage Rate (APR) is the yearly cost of borrowing money, expressed as a percentage. APR can help you compare the cost of different loan options. Your actual APR and payment may vary based on the loan amount, term, creditworthiness, and other factors.
  • Loan Payment Example: A $20,000 Auto Loan at 4.39% APR for 60 months (5 years) would have an estimated monthly payment of $371.86.
Rates are subject to change. Additional terms, conditions, and fees may apply.


Credit Card Tips from the Federal Reserve Board


Rates, APYs, minimum balances, terms, fees, and other account details are subject to change.

Additional terms and conditions may apply. Please review the applicable account disclosures for complete information, including early withdrawal penalties, minimum balance requirements, dividend payment terms, and other applicable fees or restrictions.
  • Certificates: A penalty may be imposed if you withdraw any of the funds before the maturity date. Rates are subject to change without notice and may change after account is opened. Fees may reduce the earnings on all accounts.
  • Home Equity Lines of Credit (HELOC) & Fixed 2nd Mortgages: A payoff period of 240 monthly payments (20 years) will be used to calculate the payment. Payments will be set to repay the balance after an advance, at the current annual percentage rate, within the payoff period. Payments may also change if the annual percentage rate increases or decreases. Consult your tax professional regarding interest deductibility.
    • The rate is based upon the value of an index. The index is the highest rate identified as the Prime Rate in the Money Rates section of the Wall Street Journal.
    • The Annual Percentage Rate can change daily based on the index value 20 days prior to the change date. Based upon the LTV ratio, a margin is added to the value of the index. The floor rate is 2.99%, and the maximum rate will never exceed 18.00%. You can obtain credit advances for 5 years.
    • Your payment will be set to pay off any balance after the initial draw period for a period of 240 months from your last advance. Minimum payments will never be smaller than $100. Payments will remain the same unless an advance is made. There is a minimum advance amount of $250. The maximum home equity line depends on the home value and total loans secured by the home. You must consult a tax advisor regarding the deductibility of interest.














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Questions About Rates, Products, or Services?

Connect with our local team. We're here to answer your questions, explain your options, and help you find the products and services that fit your financial goals.
  • Please Call Us for Current Rate Information at 800.779.5555.