Competitive Rates & Terms

Enjoy higher savings rates and lower loan rates than traditional banks. As a member-owned credit union, we return profits to you through better rates.

5.00% APY on Savings
5.99% APR Auto Loans
6.25% APR Mortgages

Savings Account Rates

Earn more on your deposits with our competitive savings rates. All accounts are federally insured up to $250,000 by NCUA.

Regular Savings

Everyday savings with great rates

2.50%
APY
Minimum Balance $5
Monthly Fee $0
Minimum to Open $5

Youth Savings

Help kids learn to save with great rates

3.00%
APY
Age Requirement Under 18
Monthly Fee $0
Minimum to Open $5

Money Market

Higher yields with check-writing privileges

4.25%
APY
Minimum Balance $2,500
Monthly Fee $5 (waived with balance)
Minimum to Open $2,500
Important Information

APY (Annual Percentage Yield) is accurate as of January 15, 2025. Rates are subject to change without notice. Fees may reduce earnings.

  • All savings accounts federally insured by NCUA up to $250,000
  • No monthly fees on most accounts
  • Interest compounded daily, paid monthly
  • Access your funds anytime through ATMs, online banking, or branches

Certificate Rates (Share Certificates)

Lock in guaranteed rates with our fixed-term certificates. Higher returns for longer terms.

Term Minimum Deposit APY Actions
3 Months $1,000 3.50% Apply
6 Months $1,000 4.00% Apply
12 Months $1,000 4.75% Apply
18 Months $1,000 5.00% Apply
24 Months $1,000 5.25% Apply
36 Months $1,000 5.50% Apply
60 Months $1,000 5.75% Apply
Certificate Features
  • Fixed rates: Your rate is locked in for the entire term
  • Guaranteed returns: Know exactly what you'll earn
  • Early withdrawal penalty: Fees apply if you withdraw before maturity
  • Automatic renewal: Certificates renew automatically at maturity (you can opt out)
  • IRA options available: Use certificates for your retirement savings

Auto Loan Rates

Drive home with competitive rates on new and used vehicles. Quick approvals and flexible terms.

Used Auto Loans

2018-2022 models

6.49%
APR*
Terms Available Up to 66 months
Maximum Loan $60,000
Rate Type Fixed

Auto Refinance

Lower your current car payment

6.24%
APR*
Terms Available Up to 72 months
Potential Savings $50-200/month
Refinance Fee $0
Auto Loan Benefits
  • Pre-approval in minutes: Shop with confidence knowing your budget
  • No prepayment penalty: Pay off your loan early without fees
  • GAP insurance available: Protect yourself from owing more than the car's value
  • Flexible terms: Choose the payment that fits your budget
  • Dealer financing alternative: Often better rates than dealer financing

Mortgage Rates

Make your homeownership dreams a reality with our competitive mortgage rates and personalized service.

Loan Type Term APR* Est. Monthly Payment**
Fixed-Rate Mortgage 15 Years 5.75% $830 per $100k
Fixed-Rate Mortgage 30 Years 6.25% $616 per $100k
FHA Loan 30 Years 5.99% $599 per $100k
VA Loan 30 Years 5.75% $584 per $100k
Jumbo Mortgage 30 Years 6.50% $632 per $100k
Mortgage Features
  • First-time homebuyer programs: Special assistance for first-time buyers
  • Low down payment options: As low as 3% down
  • Local servicing: Your loan is serviced by us, not sold to another company
  • Competitive closing costs: Transparent fees with no surprises
  • Fast closings: Typically close in 30-45 days

Personal Loan Rates

Flexible financing for any purpose - debt consolidation, home improvements, major purchases, or unexpected expenses.

Personal Loan

Unsecured financing up to $25,000

8.99%
APR*
Loan Amount $1,000 - $25,000
Terms Available 12-60 months
Origination Fee $0

Credit Card Rates

Enjoy competitive rates and rewards with our credit union credit cards. No annual fees.

Classic Visa® Card

Everyday low rate, no frills

10.99%
APR*
Annual Fee $0
Balance Transfer Same low rate
Credit Limit Up to $15,000

Secured Visa® Card

Build or rebuild your credit

15.99%
APR*
Security Deposit $300-$5,000
Annual Fee $0
Credit Reporting All 3 bureaus

Savings Calculator

See how much your savings can grow with our competitive rates

Ready to Get Started?

Take advantage of our competitive rates today. Open an account, apply for a loan, or speak with our team to find the best solution for your financial goals.

*APR = Annual Percentage Rate. **Rates and terms are subject to change without notice and are based on creditworthiness.

All rates are accurate as of January 15, 2025. Actual rate may vary based on credit qualifications, loan amount, loan term, and other factors. All loans subject to approval. Minimum credit score requirements may apply. Member NCUA. Equal Housing Lender.

**Monthly payment estimates are approximate and for illustrative purposes only. Actual payments may vary based on loan amount, term, taxes, insurance, and other factors. Use our loan calculator or contact us for a personalized quote.

Penalty for early withdrawal may apply to certificates. Fees may reduce earnings on deposit accounts. Visit any branch or call (540) 342-3429 for complete rate information, terms, and conditions.