Rates

Home Equity Line of Credit (HELOC) - as low as 8.00% APR*

*APR=Annual Percentage Rate. Home Equity Lines of Credit are variable-rate loans. Rates as low as 8.00% APR are based on creditworthiness, so your rate may differ. The plan has a maximum APR of 18%. No annual or advance fees. No closing costs. Proof of property insurance is required. All loans subject to approval. All terms and conditions are subject to change without notice. Additional restrictions may apply.

*APR= Annual Percentage Rate. All loans subject to credit approval. Rate may vary based on individual creditworthiness. Lowest available loan rate is 6.74% APR financed over a 63-month term is for 2022 model year auto or newer and includes a .25% discount for GAP purchase and a .25% discount for warranty purchase. Payment example based on the terms above: Estimated monthly payment for auto loan of $20,000 at 6.74% APR for 63 months is $377.89. All terms and conditions are subject to change without notice. Additional restrictions may apply.

Motorcycle/Boat/RV & Camper Loans:

*APY=Annual Percentage Yield. Rates are reviewed weekly and are subject to change. A $500 minimum balance is required for all certificate accounts to earn the disclosed APY. Dividends will be posted to your account on the last day of each calendar quarter and/or upon maturity. Alternatively, you may choose to have dividends paid to you or to another account quarterly rather than credited to this account. Certificates are subject to penalty for early withdrawal. Fees may reduce earnings. APYs stated are accurate as of today’s date.

*APY=Annual Percentage Yield. APYs are accurate as of the last dividend declaration date. Rates may change after account is opened. You must maintain the amount stated in each tier to earn the disclosed APY for that tier. Fees may reduce earnings. Personal Reserve has a minimum balance requirement of $5,000.

*APY= Annual Percentage Yield. APYs accurate as of last dividend declaration date. Rate may change after account is opened. Fees may reduce earnings. Minimum opening deposit of $25,000 is required.  Must maintain a minimum average daily balance of $25,000 in account to obtain the disclosed APY, otherwise the applicable dividend tier rate will apply. Each withdrawal exceeding six per month will be assessed a fee of $5.00. Fees may reduce earnings. Minimum withdrawal amount is $250.00. Account not meeting minimum balance requirement for two consecutive months is subject to closure and transfer of funds to Regular Shares.

*APY = Annual Percentage Yield. No minimum balance is required to open or maintain a Rate Rewards Checking Account. Rate Rewards Checking Accounts earn dividends. Dividends are calculated using a tiered dividend rate based on the average daily balance. Your average daily balance for the month that corresponds to the applicable account balance tier will earn the stated dividend rate and be paid on the full account balance when all Rate Rewards Checking requirements are met. The applicable dividend tier rate will be paid monthly on any amount over $25,000 and will be paid on all balances if Rate Rewards Checking requirements are not met. This is a variable rate account and is subject to a rate cap. All dividend tier rates, APYs, Rate Rewards bonus basis points given for qualifying products, and the rate cap applied to the account, are subject to change monthly. A Rate Rewards Checking account is limited to one per member. Failure to comply with these requirements will make you ineligible for a Rate Rewards Checking account and/or earning Rate Rewards Checking bonus dividends.

Qualifying Rate Rewards Checking Account dividend rates will apply as long as at least one qualifying product is maintained on the account.  The qualifying products are as follows:

• Credit Union mortgage, home equity line of credit, home equity loan, auto loan, secured personal loan, personal loan, or a credit card that has ten (10) completed transactions per statement cycle or a credit balance of $5,000 or more;
• Cumulative direct deposit(s) of $1,000 or more per statement cycle;
• Enrollment in electronic statements
• Debit Card Usage of a minimum of 10 debit card transactions per statement cycle, or;
• Online BillPay with a payment originated through NetTeller or automatic ACH withdrawals or cleared paper checks (any combination of the three of ten (10) or more per month). 

*APY = Annual Percentage Yield. APYs accurate as of last dividend declaration date. Rates are subject to change after account is opened. No minimum deposit required to open account.  Prestige Checking requires an active Transcend loan or Prestige VISA credit card, an active SmartCash debit card, and direct deposit of at least $800 per month. Your average daily balance for the month that corresponds to the applicable account balance tier will earn the stated dividend rate and be paid on the full account balance when all Prestige Checking requirements are met. The applicable tier rate will be paid on any amount of $25,000 or more and will be paid on all balances if Prestige Checking requirements are not met. Fees may reduce earnings.