Rates

Savings and Checking Rates

Account Type Balance Requirements Rate APY
Savings $25-$10,000 0.05% 0.05%
$10,001-$50,000 0.10% 0.10%
$50,001 or more 0.15% 0.15%
Share Draft (Checking Account) None 0.05% 0.05%

APY = Annual Percentage Yield. Fees could reduce earnings. Rates are subject to change without notice. Effective as of 2/1/2018.

IRAs Rates

Account Type Balance Requirements Rate APY
IRA $25-$50,000 0.75% 0.75%
$50,001-$100,000 1.00% 1.00%
$100,001 or more 1.25% 1.26%

APY = Annual Percentage Yield. Fees could reduce earnings. Rates are subject to change without notice. Effective as of 2/1/2018.

Money Market Rates

Account Type Balance Requirements Rate APY
Money Market $250-$75,000 0.25% 0.25%
$75,001-$150,000 0.35% 0.35%
$150,001-$250,000 0.40% 0.40%
$250,001 or more 0.50% 0.50%

APY = Annual Percentage Yield. Fees could reduce earnings. Rates are subject to change without notice. Effective as of 2/1/2018.

Christmas Club Rates

Account Type Balance Requirements Rate APY
Christmas Club $5-$10,000 0.20% 0.20%

APY = Annual Percentage Yield. Fees could reduce earnings. Rates are subject to change without notice. Effective as of 2/1/2018.

Certificates of Deposit (CDs)

Account Type Balance Requirements Rate APY
6 Month CD $2,500 Minimum 0.30% 0.30%
9 Month CD $2,500 Minimum 0.45% 0.45%
12 Month CD $2,500 Minimum 0.55% 0.55%
24 Month CD $5,000 Minimum 0.70% 0.70%
36 Month CD $10,000 Minimum 0.95% 0.95%
48 Month CD $10,000 Minimum 1.10% 1.11%
60 Month CD $10,000 Minimum 1.25% 1.26%

APY = Annual Percentage Yield. Dividends accrue daily and pay monthly. Early withdrawal fees apply to CDs. Rates are subject to change without notice. Effective as of 2/1/2018.

Loan Rates

Account Type Notes APR
New Auto Loans 2019 or with 10K Miles or less As Low As 3.75%
Used Auto Loans 2018 or older As Low As 4.75%
Used Auto Loans Classic Models As Low As 7.75%
Credit Cards Classic Cash Back As Low As 12.00%
Recreation Loans New (Motorcycles, Camper/Travel Trailers, Boat, Motor, Trailers, Motorhomes, Airplanes, Farm Equipment) As Low As 5.75%
Used (Motorcycles, Camper/Travel Trailers, Boat, Motor, Trailers, Motorhomes, Airplanes, Farm Equipment) As Low As 6.75%
New (Golf Carts, ATVs, Wave Runners, Mowers) As Low As 6.75%
Used (Golf Carts, ATVs, Wave Runners, Mowers) As Low As 7.75%
Personal Loans Signature As Low As 9.75%
Single Payment As Low As 9.75%
Shared Secured As Low As 2.50%
Overdraft Line of Credit As Low As 17.95%
Loan Protection As Low As 6.00%
New Financial Freedom H.E.L.P. Loan As Low As 4.75%

APR = Annual Percentage Rate. Rates are subject to change without notice. Effective as of 5/20/2019.