Rates
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Deposit Rates
Share Savings Accounts
Effective 1/4/2021
| Account Type | Rate | APY† | Min. Deposit to Open |
|---|---|---|---|
| Fat Cat | 0.15 | 0.15 | $5 |
| Holiday Cash Club | 0.15 | 0.15 | $0 |
| Money Market | 0.20 | 0.20 | $250 |
| Share Savings | 0.15 | 0.15 | $25 |
| Zard Savings | 0.15 | 0.15 | $25 |
†APY: Annual Percentage Yield
Checking Accounts
Effective 1/4/2021
| Account Type | Rate | APY† | Min. Deposit to Open |
|---|---|---|---|
| Checking | 0.10 | 0.10 | None |
†APY: Annual Percentage Yield
Share Term Certificates
Effective 1/4/2021
| Account Type | Rate | APY† | Term | Min. Deposit to Open |
|---|---|---|---|---|
| Share Term Certificate 6 | 0.40 | 0.40 | 6 months | $250 |
| Share Term Certificate 12 | 0.45 | 0.45 | 12 months | $250 |
| Share Term Certificate 18 | 0.45 | 0.45 | 18 months | $250 |
| Share Term Certificate 24 | 0.50 | 0.50 | 24 months | $250 |
| Share Term Certificate 30 | 0.50 | 0.50 | 30 months | $250 |
| Share Term Certificate 36 | 0.60 | 0.60 | 36 months | $250 |
| Share Term Certificate 48 | 0.60 | 0.60 | 48 months | $250 |
| Share Term Certificate 60 | 0.65 | 0.65 | 60 months | $250 |
Dividend Rates Information
Dividend rates on shares and IRAs have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. Please call your local branch for current rates.
†APY: Annual Percentage Yield
Individual Retirement Accounts (IRA)
Effective 1/4/2021
| Account Type | Rate | APY† |
|---|---|---|
| Roth IRA | 0.45 | 0.45 |
| SEP IRA | 0.45 | 0.45 |
| Traditional IRA | 0.45 | 0.45 |
Dividend Rates Information
Dividend rates on shares and IRAs have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. Please call your local branch for current rates.
†APY: Annual Percentage Yield
Coverdell Education Savings Account
Effective 1/4/2021
| Account Type | Rate | APY† |
|---|---|---|
| Coverdell Education Savings Account | 0.45 | 0.45 |
†APY: Annual Percentage Yield
Health Savings Account
Effective 1/4/2021
| Account Type | Rate | APY† |
|---|---|---|
| Health Savings Account | 0.45 | 0.45 |
†APY: Annual Percentage Yield
Mortgage Rates
Adjustable Rate Mortgages (ARM)
Effective 12/1/2020
| Account Type | Rate | APR* | Term |
|---|---|---|---|
| 5-Year First-Time Homebuyers 100% LTV | 4.375 | 4.380 | 30 Years |
| 5-Year ARM 100.1% to 110% LTV | 5.375 | 5.387 | 30 Years |
| 5-Year ARM 90.1% to 100% LTV | 4.375 | 4.380 | 30 Years |
| 5-Year ARM 80.1% to 90% LTV | 3.875 | 3.877 | 30 Years |
| 5-Year ARM 80% or Less LTV | 3.375 | 3.373 | 30 Years |
*APR: Annual Percentage Rate
Fixed-Rate Mortgages
Effective 12/1/2020
| Account Type | Rate | APR* | Term |
|---|---|---|---|
| 10-Year Fixed 90.1% to 100% LTV | 3.25 | 3.460 | 10 Years |
| 10-Year Fixed 90% or Less LTV | 2.95 | 3.158 | 10 Years |
| 15-Year Fixed 90.1% to 100% LTV | 3.75 | 3.897 | 15 Years |
| 15-Year Fixed 90% or Less LTV | 3.25 | 3.394 | 15 Years |
| 20-Year Fixed 90.1% to 100% LTV | 4.25 | 4.366 | 20 Years |
| 20-Year Fixed 90% or Less LTV | 3.75 | 3.864 | 20 Years |
*APR: Annual Percentage Rate
Loan Rates
Auto Loans
Effective 1/4/2021
| Account Type | APR* | Term |
|---|---|---|
| New Vehicle 36 | 3.75 | Up to 36 Months |
| New Vehicle 60 | 4.25 | 37 to 60 Months |
| New Vehicle 72 | 4.50 | 61 to 72 Months |
| New Vehicle 96 | 5.75 | 73 to 96 Months |
| Used Vehicle | 4.50 | Up to 72 Months |
Rates are subject to change without notice. Please check with a branch office for current rates.
New vehicle is defined as prior, current or upcoming year model with 10,000 miles or less. May finance loan-to-value of 100% of MSRP plus an additional 10% for purchase-related expenses such as tax, tags and extended warranties.
Used vehicle may not be older than 10 years or have mileage in excess of 150,000 at time of loan origination. Vehicles that meet either of the following conditions are limited to a maximum term of 48 months: Model years between 6 and 10 years old, or mileage that exceeds 100,000 up to maximum of 150,000. May finance 100% of the NADA value, plus an additional 10% to cover other purchase-related expenses such as tax, tags and extended warranties.
*APR: Annual Percentage Rate
Credit Cards
Effective 1/4/2021
| Account Type | APR* |
|---|---|
| Visa® Credit Card | 9.75 |
Rates are subject to change without notice. Please check with a branch for current rates.
*APR: Annual Percentage Rate
Home Equity Line of Credit (HELOC)
Effective 1/4/2021
| Account Type | APR* |
|---|---|
| HELOC | 2.75 |
Initial/opening rates are subject to change without notice. Please check with a branch for current rates.
*APR: Annual Percentage Rate
Personal Loans
Effective 1/4/2021
| Account Type | APR* | Term |
|---|---|---|
| Signature Personal Loan | 10.75 | Varies |
| Share Secured 24 | 5.00 | Up to 24 Months |
| Share Secured 48 | 5.50 | 25 to 48 Months |
| Share Secured 120 | 8.75 | 49 to 120 Months |
| Term Note | 6.50 | 6 Months |
Rates are subject to change without notice. Please check with a branch for current rates.
*APR: Annual Percentage Rate
Salary Advance Loan (SALO)
Effective 1/4/2021
| Account Type | APR* | Term |
|---|---|---|
| SALO Cash Account less than $500 | 12.00 | Open-end |
| SALO Cash Account ≥ $500 | 5.50 | Open-end |
*APR: Annual Percentage Rate. Rate subject to change. The APR cannot increase by more than 1% each quarter over the previous quarter and cannot exceed 18%. The APR is calculated by adding the index rate to the loan margin. When the Salary Advance Cash Account balance is at least $500, the loan margin is 5.25%. When the Salary Advance Cash Account balance is less than $500, the loan margin is 11.75%. The index rate is the 26-week Treasury Bill Rate set at the first auction held on or after the 15th day of the second month of the previous quarter adjusted up to the nearest ¼%. The index rate cannot be less than 0.25%.