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Deposit Rates

AccountBalance RangeDividend RateAnnual Percentage Yield
Summit Checking+$50.00 to $10,000.00

$10,000.01 or more
3.00%

0.05%
3.03%

0.05%
HSA$5,000.00 or more0.05%0.05%
Tether Checking$0.000.00%0.00%
Explore Youth Checking$0.000.00%0.00%
Replenish Checking$0.000.00%0.00%
*OAC. APY = Annual Percentage Yield.  +To earn the listed APY, you must meet the following requirements during the qualifying cycle: (1) log into online banking at least one time, (2) agree to receive online statements, (3) make fifteen purchases using your debit card (4) and you must have at least one direct deposit post to the account. Listed promotional APY is paid on balances up to $10,000. Rates and offer details are subject to change without notice. Membership fee may apply.

The rates and terms shown are effective as of March 7, 2025.  View the Common Fees disclosure here.
Rates subject to change. For the most current rates available contact us at 800.852.5316.

Loan Rates

AccountAnnual Percentage Rate*Rate Information
Auto / Truck LoansAs low as 6.49%
*OAC. APR = Annual percentage rate. New Money Only. Not applicable on internal refinances. Rate shown applies to 2015 or newer model year vehicles or vehicles valued at $10,000 or greater. Loan rates are available on approved credit. Loan rates are subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance and your credit history. Rates subject to change without notice. Rate displayed is the lowest available to qualified borrowers; your rate may be higher and will be determined by the loan type, model year, term, amount you finance and your credit history. Membership fee and restrictions may apply.

The rates and terms shown are effective as of March 7, 2025.  View the Common Fees disclosure here.
Rates subject to change. For the most current rates available contact us at 800.852.5316.

Home Loan Rates

Rates change daily! Please contact us for today’s rates.

Credit Card Rates

Interest Rates & Charges
Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers13.15% to 21.75% when you open your account. After that, your APR will vary with the market based on the prime rate. Your rate is based on your credit qualification and the VISA Credit Card that you select.
Penalty APR and When it AppliesNone
Paying InterestYour due date is at least 21 days after we mail your billing statement.  We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month.  We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore
Fees
Fees to Open or Maintain Your Account
Annual FeeNone
Application FeeNone
Transaction Fees
Balance Transfer3% of the amount of each transfer (minimum $3.00)
Cash Advance3% of advance amount (minimum $3.00)
Foreign Transaction1% of each transaction in US dollars if the transaction involved a currency conversion
1% of each transaction in US dollars if the transaction does not involve a currency conversion
Penalty Fees
Late Payment$15 or 5% of the minimum payment amount, whichever is greater, if your payment is late 10 days or more.
Over the Credit LimitNone
Returned Payment$15 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called “Average Daily Balance”. The Credit Union figures the FINANCE CHARGE on your Account by applying the Periodic Rate to the “Average Daily Balance” of purchases and cash advances for your Account (including current transactions) and multiplying the result by the number of days in the billing cycle. To get the “Average Daily Balance” we take the beginning balance of your Account each day, add any new purchases, cash advances, cash advance fees, and subtract any payments or credits. This gives us the daily balance,. Since cash advance fees are considered FINANCE CHARGES, you may pay compounded interest on your account. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the “Average Daily Balance.” We reserve the right to amend the VISA Credit Card Agreement as permitted by law.

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

The rates and terms shown are effective as of March 7, 2025.  View the Common Fees disclosure here.
Rates subject to change. For the most current rates available contact us at 800.852.5316.