Online Banking
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Share/Savings Accounts as of September 30, 2026
Share Accounts
 .05 Div. Rate .05 APY * $5 Minimum
Club Accounts
 .05 Div. Rate .05 APY * $5 Minimum

Money Market Accounts as of September 1,  2026
TIER 1 1.88 APR 1.90 APR $2500 Minimum $24999 Maximum
TIER 2 2.13 APR 2.15 APR $25000 Minimum $74999 Maximum
TIER 3 2.37 APR 2.40 APR $75000 Minimum

Share Certificate Accounts as of November 1, 2026
6 month CD 4.07 APR 4.15 APY $1000 Minimum
1 year CD 4.17 APR 4.25 APY $1000 Minimum
18 month CD 4.41 APR 4.50 APY $1000 Minimum
2 year CD 4.65 APR 4.75 APY $1000 Minimum
3 year CD 4.89 APR 5.00 APY $1000 Minimum
4 year CD 4.89 APR 5.00 APY $1000 Minimum
5 year CD 4.89 APR 5.00 APY $1000 Minimum

Share Draft Accounts
Checking (08) 0 APR 0 APY $5.00 minimum to earn dividend
  1. ANNUAL YIELD = (APY) = ANNUAL PERCENTAGE YIELD.
  2. RATE = (APR) = ANNUAL PERCENTAGE RATE.
  3. DIVIDENDS ARE CALCULATED ON THE AVERAGE DAILY BALANCE METHOD.
  4. DIVIDENDS ARE CALCULATED AND POSTED ON THE LAST DAY OF THE QUARTER, EXCEPT CHECKING, WHICH IS POSTED ON THE LAST DAY OF THE MONTH.
  5. NO DIVIDEND IS APPLIED TO ANY ACCOUNT THAT IS CLOSED PRIOR TO THE POSTING DATE.
  6. DIVIDENDS ARE PAID FROM AVAILABLE EARNINGS.
  7. YOU MUST MAINTAIN A MINIMUM DAILY BALANCE OF $5.00 IN YOUR ACCOUNT EACH DAY TO EARN A DIVIDEND.

Loan Accounts as of November 1, 2026

Loans can be paid 10 or 12 months per year
Unsecured Loans (Signature) – Personal Loans    10 or 12 payments per year 
First Year in the District 9.95% – 11.95% APR Up to 60 Months Maximum $1000 (With cosigner Maximum $3500)
2 or more years in the District 9.95% – 11.95% APR Up to 60 Months Maximum $20,000
Secured Loans                                                                
Share Secured Last Div + 2.00% APR, rounded to nearest 1/2% Maximum term is 10 Years You may borrow up to 100% of your available Share balance
Auto Loans       Credit Score:   750+       <750           10 or 12 payments per year
New Car         5.25%      5.75% Maximum term is 84 Months  Maximum loan is $60,000

 
Used Car: 2024-2025         5.50%      6.00% Maximum term is 72 Months Maximum loan is $50,000

100% of JD Power Retail Value
Used Car: 2021-2023         5.95%      6.45% Maximum term is 60 Months Maximum loan is $50,000

100% of JD Power Retail Value
Used Car: 2018-2020         6.45%      6.95% Maximum term is 48 Months Maximum loan is $45,000

100% of JD Power Retail Value
Auto Loan rates based on primary account holder/applicant’s Equifax credit score

Home Equity Loans (Up to 80% loan to value)

Loans must be paid 12 months per year
Fixed Rate 6.25% APR

 

 5 Years $10,000 Minimum $150,000 Maximum
Fixed Rate 6.75% APR 10 Years

$10,000 Minimum $150,000 Maximum
Fixed Rate 7.25% APR 15 Years $10,000 Minimum $150,000 Maximum
Variable Rate Line of Credit (5 Year Draw Period)

Interest only payments required during draw period

Only pay on balance you are using

 6.75% APR ** 20 Years

$10,000 Minimum $100,000 Maximum, **Prime minus .25%. Prime rate is 7.00% as of 10/28/26. Rate changes when Prime changes.

Click here for Fees and Disclosures

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

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