Rates


Current Savings, Checking, & Certificate 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.

Certificates and IRAs

Smart Saver Certificate Minimum Dividend Rate (%)
APY (%)
12 Month None 1.946 1.96
Share or IRA Certificate Minimum Dividend Rate (%) APY (%)
5 Year $1,000 3.455 3.50
4 Year $1,000 3.455 3.50
3 Year $1,000 3.698 3.75
2 Year $1,000 3.941 4.00
18 Month $1,000 4.184 4.25
12 Month $1,000 4.571 4.65
6 Month (No IRA Available) $1,000 4.523 4.60
3 Month (No IRA Available) $1,000 4.474 4.55
Jumbo Share or IRA Certificate Minimum Dividend Rate (%) APY (%)
5 Year $10,000 3.941 4.00
4 Year $10,000 3.941 4.00
3 Year $10,000 4.184 4.25
2 Year $10,000 4.426 4.50
18 Month $10,000 4.668 4.75
12 Month $10,000 5.053 5.15
6 Month (No IRA Available) $10,000 5.005 5.10
3 Month (No IRA Available) $10,000 4.957 5.05


Variable Rate IRA Minimum Dividend Rate (%)
APY (%)

None 0.499 0.50  


Savings Accounts

Wealth Builder Minimum Dividend Rate (%) APY (%)

None 1.982  2.00
Primary Savings Minimum Dividend Rate (%) APY (%)

$5 0.499 0.50


Secondary Savings Minimum Dividend Rate (%) APY (%)

$5 0.499 0.50


Mortgage Savings Minimum Dividend Rate (%) APY (%)

$5 0.499 0.50

Checking Accounts

Legacy Checking Minimum Dividend Rate (%) APY (%)

Under $500  0.000   0.000

$500 0.025 0.025


Business Checking Minimum Dividend Rate (%) APY (%)

Under $1,000 0.000 0.00

$1,000 0.025 0.025


Organization Checking Minimum Dividend Rate (%) APY (%)

Under $500 0.000 0.00

$500 0.025 0.025


Premier Checking
Qualifications Met*
Minimum Dividend Rate (%) APY (%)

Under $999 0.000 0.00

$1,000 2.960 3.00

$10,000 3.928 4.00

$50,000 4.410 4.50

$100,000 4.889 5.00

$200,000 5.128 5.25
Premier Checking
Qualifications Not Met*
Minimum Dividend Rate (%) APY (%)

Under $9,999 0.000 0.00

$10,000 0.499 0.50

Youth Accounts

Money Minder Savings
12 Years Old And Under
Minimum Dividend Rate (%) APY (%)

$5 0.499 0.50
Money Maker Savings
13 to 17 Years Old
Minimum Dividend Rate (%) APY (%)

$5 0.499 0.50


Hawks Checking
18 Years Old And Under
Minimum Dividend Rate (%) APY (%)

None 0.025 0.025

Club Accounts

Christmas Club
Minimum Dividend Rate (%) APY (%)

$5 0.499 0.50


Vacation Club
Minimum Dividend Rate (%) APY (%)

$5 0.499 0.50


 
*See Checking Product Guide for details.
Dividends are compounded daily and paid quarterly for savings accounts. 
























DISCLOSURES
SAVINGS, CHECKING & CERTIFICATES
APY means annual percentage yield. The Annual Percentage Yield is accurate as of the Effective Date. Rates may change after you open your account. Please call us for current rate information at 1-800-779-5555.
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.

Current Consumer Loan 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.

Cars, Trucks and Motorcycles
Up to 84 months APR (%)*
Our Lowest Auto Loan Rate
As low as 6.99 
Recreational Vehicles
Up to 84 months APR (%)*
Our Lowest Recreational Vehicle Rate As low as 9.09 
Signature Loans
Up to 48 months APR (%)*
Our Lowest Signature Loan Rate As low as 11.39 
Variable Rate Loan APR (%)*
Kwik Cash As low as 5.00% over the index.
Index is the prime lending rate as published in the Wall Street Journal
Share Secured 3.00% above the certificate rate.
3.00% above the share rate with a minimum rate of 6.0%
Index is the prime lending rate as published in the Wall Street Journal.

























DISCLOSURES
CONSUMER LOANS
*APR means annual percentage rate. Consumer loans and credit cards are subject to credit approval. Terms may be limited based upon the age of vehicle and credit history. Motorcycle rates are .75% higher than published Auto or Truck rates.
Loan Payment Example:
A $20,000 automobile loan at 4.39% APR for 60 months (5 years) will have a monthly payment of $371.86.

Current Mortgage 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.

Home Equity Line of Credit (HELOC) APR (%)
Up to 80% loan to value As low as PRIME rate, with lifetime floor of 2.99% APR and ceiling of 18.00% APR. *Fees of up to $220 apply and an appraisal, if required, is an additional $415 - $715, depending on property type. Index is the prime lending rate as published in the Wall Street Journal
Up to 90% loan to value
As low as PRIME +0.99%, with a lifetime floor of 3.99% and ceiling of 18.00% APR. *Fees of up to $220 apply and an appraisal, if required, is an additional $415 - $715, depending on property type. Index is the prime lending rate as published in the Wall Street Journal
Home Equity Fixed Rate Loans APR (%)
Up to 80% loan to value As low as 7.14 
Up to 90% loan to value As low as 8.14 

























DISCLOSURES
Home Equity Lines of Credit & 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.
See our home equity brochure and disclosures for more information.
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 1-800-779-5555.
APR means annual percentage rate. Loans and credit cards are subject to credit approval.

Current Credit Card 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.

Local First Credit Card APR (%)*
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers
13.50% - 19.50% APR

This APR will vary with the market based on the Prime Rate* and credit history.


Great Rate Credit Card APR (%)*
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers
13.50% - 19.50% APR

This APR will vary with the market based on the Prime Rate* and credit history.
REWARD$ Credit Card APR (%)*
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers
14.50% - 22.50% APR

This APR will vary with the market based on the Prime Rate* and credit history.
Legacy Credit Card (No longer offered) APR (%)*
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers
13.00%

This APR will vary with the market based on the Prime Rate* and credit history.

How We Will Calculate Your Balance: An Average Daily Balance Method is used to calculate your balance for purchase balances and cash advance balances. See your account agreement for more details.
 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
 
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.
 
Credit Card Tips from the Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.
 
























DISCLOSURES
Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers: (APR) is a variable rate, that may increase or decrease when the Prime Rate, as identified in the ‘Money Rates’ column of the Wall Street Journal, changes. We calculate the APR based on the Prime Rate (Index), plus a margin of 4.50%-24.00%. The APR is subject to change quarterly and will take effect on the first day of your January, April, July and October billing cycles, following a change in the Prime Rate. The APR will never be more than the maximum rate allowed by applicable law. Any increase in the APR may increase your Interest Charges and your Minimum Payment until what you owe has been repaid.

Current Business Credit Card 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.

Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers
14.70% - 16.70% APR

This APR will vary with the market based on the Prime Rate* and credit history.
Penalty APR and When It Applies None
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.
Minimum Interest Charge $.50
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.


Annual Fee None
Transaction Fees:
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
  • None
  • None
  • 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.
Penalty Fees
  • Late Payment
  • Returned 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.
  • Up to $15 if your payment is returned for any reason
How We Will Calculate Your Balance: An Average Daily Balance Method is used to calculate your balance for purchase balances and cash advance balances. See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

























DISCLOSURES
VISA Credit Cards:
Business
Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers: (APR) is a variable rate, that may increase or decrease when the Prime Rate, as identified in the ‘Money Rates’ column of the Wall Street Journal, changes. We calculate the APR based on the Prime Rate (Index), plus a margin of 6.20%-8.20% based on credit worthiness. The APR is subject to change quarterly and will take effect on the first day of your January, April, July and October billing cycles, following a change in the Prime Rate. The APR will never be more than the maximum rate allowed by applicable law. Any increase in the APR may increase your Interest Charges and your Minimum Payment until what you owe has been repaid.