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Share/Savings Accounts as of September 30, 2026 |
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| Share Accounts |
.05 Div. Rate | .05 APY * | $5 Minimum |
| Club Accounts |
.05 Div. Rate | .05 APY * | $5 Minimum |
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Money Market Accounts as of September 1, 2026 |
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| 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 |
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Share Certificate Accounts as of September 15, 2026 |
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| 6 month CD | 3.78 APR | 3.85 APY | $1000 Minimum |
| 1 year CD | 4.07 APR | 4.15 APY | $1000 Minimum |
| 18 month CD | 4.17 APR | 4.25 APY | $1000 Minimum |
| 2 year CD | 4.17 APR | 4.25 APY | $1000 Minimum |
| 3 year CD | 4.07 APR | 4.15 APY | $1000 Minimum |
| 4 year CD | 4.07 APR | 4.15 APY | $1000 Minimum |
| 5 year CD | 4.07 APR | 4.15 APY | $1000 Minimum |
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Share Draft Accounts |
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| Checking (08) | 0 APR | 0 APY | $5.00 minimum to earn dividend |
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Loan Accounts as of November 1, 2026 |
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| 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 10 or 12 payments per year | |||
| 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
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| 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) |
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| Fixed Rate | 6.25% APR
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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
