Rates

Auto Rates    Mortgage Rates     Credit Card Rates     Savings Rates

Effective 11/2/2024

Vehicle Loans
TypeAPR*
New Auto as low as 5.74%
Used Auto as low as 5.74%
Motorcycle as low as 8.24%
Boat or RV as low as 8.24%

Rate may vary or increase due to collateral conditions or certain adverse credit factors such as bankruptcy or repossession. Rate not to exceed 17.99%. Payment Example: $15,000 loan at 3.99% APR with 60 monthly payments of $293.49. Auto loan rate includes 0.25% APR discount by enrolling in eStatements and Automatic Payments from your Credit Union account. Auto loan rate includes a 0.25% APR discount when using our complimentary Auto Advisors car buying service.

Personal Loans
TypeAPR*
Personal Loan as low as 11.99%
Personal Line of Credit as low as 10.49%
Share Secured Personal Loan Share Rate + 2.50%

Mortgage Loans

Home Equity Loans
TypeAPR*
Home Equity Loan as low as 8.00%
Home Equity Line of Credit (HELOC) as low as 8.00%

Credit Card
TypeAPR*
Green & Gold Visa as low as 13.74%
Rewards Visa as low as 14.74%
Secured Visa 14.49%

Credit cards are variable rate based on Prime. Rate may change after account opening.

Business Loans
TypeTermAPR*Rate TypeLoan Fee
Vehicle and Equipment up to 60 months Prime + 0.75% Fixed $150 ($250 if over $50,000)
Unsecured Installment up to 60 months Prime + 1.25% Fixed $150 ($250 if over $50,000)
Real Estate ask for details ask for details ask for details ask for details
Share Secured Installment up to 60 months Share Rate + 2.00% Variable n/a
Credit Card - Sole Proprietor n/a as low as 9.99% Variable n/a
Credit Card - Business n/a ask for details Variable $150 ($250 if over $25,000)

Share secured installment and credit cards are variable rate based on Prime. Rate may change after account opening.

Primary Savings
minimum to open: $5.00 minimum to earn dividends: $5.00
BalanceRateAPY**
All balances 0.05% 0.05%

Business Savings
minimum to open: $5.00 minimum to earn dividends: $5.00
BalanceRateAPY**
All balances 0.20% 0.20%

Special Savings, Business Special Savings, Holiday Savings and IRA Savings
minimum to open: $5.00 minimum to earn dividends: none
BalanceRateAPY**
All balances 0.20% 0.20%

Classic Checking and Business Checking
minimum to open: $10.00 minimum to earn dividends: none
BalanceRateAPY**
Up to $24,999 0.00% 0.00%
$25,000 and over 0.05% 0.05%

Catalyst Connect Checking2
minimum to open: $10.00 minimum average daily balance to earn dividends: $1,000
Dividends are earned on balances up to but not exceeding $10,000 when account requirements are met.2
TypeRateAPY**
Non-Catalyst Member Rewards 0.20% 0.20%
Catalyst Member Rewards Tier C1 0.25% 0.25%
Catalyst Member Rewards Tier C2 0.30% 0.30%
Catalyst Member Rewards Tier C3 0.35% 0.35%

Traditional Money Market Savings and IRA Money Market Savings
minimum to open: $1,000.00 minimum to earn dividends: none
BalanceRateAPY**
Up to $9,999.99 0.40% 0.40%
$10,000 - $24,999.99 0.60% 0.60%
$25,000 - $49,999.99 0.75% 0.75%
$50,000 - $99,999.99 0.90% 0.90%
$100,000 - $250,000 1.24% 1.25%
$250,000 and over 1.64% 1.65%

High-Yield Money Market Savings
TypeBalanceRateAPY**
Money Market Plus $250,000 - $499,999.99 1.98% 2.00%

Minimum to open and earn dividends: $250,000

Money Market Premium $500,000 - $999,999.99 2.96% 3.00%

Minimum to open and earn dividends: $500,000

Money Market Premier $1,000,000 - $1,999,999.99 3.93% 4.00%

Minimum to open and earn dividends: $1,000,000

Money Market Platinum $2,000,000+ 4.55% 4.65%

Minimum to open and earn dividends: $2,000,000

Share Certificates and IRA Certificates3
minimum to open: $500.00 minimum to earn dividends: $500.00
TermRateAPY**
3 month 3.93% 4.00%
4 month special (renews to 3 month)4 4.43% 4.52%
6 month 3.74% 3.80%
7 month special (renews to 6 month)4 4.27% 4.35%
12 month 3.74% 3.80%
13 month special (renews to 12 month)4 4.27% 4.35%
18 month 3.64% 3.70%
19 month special (renews to 18 month)4 4.07% 4.15%
24 month 3.59% 3.65%
25 month special (renews to 24 month)4 4.07% 4.15%
36 month 3.35% 3.40%
48 month 3.35% 3.40%
60 month 3.35% 3.40%

*APR=Annual Percentage Rate. Loan rates determined by individual creditworthiness, qualifications, term of loan and collateral conditions including age of vehicle. Rates, terms and conditions subject to change.
**APY= Annual Percentage Yield. Rates, terms and conditions are subject to change without notice. Savings, Checking and Money Market accounts are variable rate. Fees and other conditions may reduce earnings on the account. Certificate early withdrawal penalties may apply. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Refer to the Universal Account Agreement for account details.
2Catalyst Connect Checking and Catalyst Member Rewards have account requirements to earn dividends.
3Certificates will automatically renew for the same term and prevailing rate upon maturity.
4“Special Offers” will renew as regular certificates at the terms specified in the special offer. Federally Insured by NCUA.

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