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Rates

Simply Free, 50 Prestige, Direct Pay, & Pinnacle Checking

Checking Type

Min. to Open

Dividend Rate

APY*

*APY = Annual Percentage Yield. Rates are effective as of 11/01/2023. **Pinnacle Checking has a $9.00 per month charge if balance falls below $1,500.00. Rates may change without notice. Fees may reduce earnings on accounts.

Checking Type

Simple Free Checking

Min. to Open

$0

Dividend Rate

0.05%

APY*

0.05%

Checking Type

50 Prestige Checking

Min. to Open

$0

Dividend Rate

0.05%

APY*

0.05%

Checking Type

Direct Pay Checking

Min. to Open

$0

Dividend Rate

0.05%

APY*

0.05%

Checking Type

Pinnacle Checking

Min. to Open

$0

Dividend Rate

0.10%

APY*

0.10%**

Open Now
Savings Accounts

Savings Type

Min. to Open

Dividend Rate

APY*

*APY=Annual Percentage Yield. Rates are effective as of 11/29/2023. Rates subject to change without notice. Fees may reduce earnings on accounts. APY is accurate as of the last dividend declaration date.

**Holiday Club accounts offer a withdrawal period of November 15th through January 31st of each year.

***Please visit your local branch to open these accounts.

Savings Type

Regular Savings with Balance of $100 - $499.99

Min. to Open

$5.00

Dividend Rate

0.50%

APY*

0.50%

Savings Type

Regular Savings with Balance of $500 - $24,999.99

Min. to Open

$5.00

Dividend Rate

0.50%

APY*

0.50%

Savings Type

Regular Savings with Balance of $25,000 - $500,000

Min. to Open

$5.00

Dividend Rate

0.50%

APY*

0.50%

Savings Type

Vacation, Holiday Club**, Pledge & Extra Share with Balance of $0 - $99.99

Min. to Open

$0

Dividend Rate

0.00%

APY*

0.00%

Savings Type

Vacation, Holiday Club**, Pledge & Extra Share with Balance of $100 - $500,000

Min. to Open

$0

Dividend Rate

0.10%

APY*

0.10%

Savings Type

Roth IRA*** with Balance up to $500,000

Min. to Open

$1.00

Dividend Rate

0.15%

APY*

0.15%

Savings Type

Traditional IRA*** with Balance up to $500,000

Min. to Open

$1.00

Dividend Rate

0.15%

APY*

0.15%

Savings Type

Coverdell ESA*** with Balance $2,000/year

Min. to Open

$1.00

Dividend Rate

0.25%

APY*

0.25%

Open Now
Money Market Plus & IRA Money Market Plus Accounts

Balance

Dividend Rate*

APY**

*Rates shown are “as high as” amounts.

**APY=Annual Percentage Yield. Rates are effective as of 11/29/2023. Rates subject to change without notice. Fees may reduce earnings on accounts. Variable rate account, dividend rates may change after account opening. For any withdrawal from your Money Market Plus account in excess of 3 per month, you will be charged a fee as stated in the fee schedule. The minimum amount of each withdrawal is $100.

Balance

$2,500-$9,999

Dividend Rate*

1.00%

APY**

1.00%

Balance

$10,000-$24,999

Dividend Rate*

1.29%

APY**

1.30%

Balance

$25,000-$99,999

Dividend Rate*

1.54%

APY**

1.55%

Balance

$100,000-$500,000

Dividend Rate*

1.79%

APY**

1.80%

Open Now
NextLine - Personal Line of Credit Tied to your Checking Account

Terms Up To

Minimum credit limit

Maximum credit limit

APR as Low As

APR=Annual Percentage Rate. Rate as of 11/01/2023. The rate is variable and may change. The rate you qualify to receive may vary depending on individual credit history and underwriting factors. Fees could be imposed. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Terms Up To

Open End

Minimum credit limit

$500

Maximum credit limit

$5,000

APR as Low As

13.74%

Apply Now
24-Month Bump-Up Twice* - Limited Time Only

Term

Min. to Open

Dividend Rate

APY*

*APY=Annual Percentage Yield. The Bump-Up Twice Certificate allows the account holder to raise, or “bump up” their interest rate up to two times during the certificate’s term if product rates increase. You must call the credit union to request the bump-up. Penalty fees will be incurred for early withdrawals. Fees could reduce earnings. Rates subject to change without notice. Rates effective 11/01/2023.

Term

24 Month Bump-Up

Min. to Open

$2,500

Dividend Rate

3.93%

APY*

4.00%

Term

24 Month Bump-Up

Min. to Open

$25,000

Dividend Rate

4.41%

APY*

4.50%

Term

24 Month Bump-Up

Min. to Open

$100,000

Dividend Rate

4.89%

APY*

5.00%

Open Now
Certificates and IRA* Certificates with Balances of $100,000 and Above

Term

Min. to Open

Dividend Rate

APY**

*Please visit your local branch to open IRA Certificates.

**APY=Annual Percentage Yield. Penalty fees may be incurred for early withdrawals from share certificates. Fees could reduce earnings. Rates effective as of 11/29/2023. Rates subject to change without notice.1If you wish to open a new 24 month certificate, we are currently offering the Bump-Up Twice option. Current 24 month certificate holders will be rolled into the same product upon maturity.

Term

3 Months

Min. to Open

$100,000

Dividend Rate

1.98%

APY**

2.00%

Term

6 Month Propel 100

Min. to Open

$100,000

Dividend Rate

2.96%

APY**

3.00%

Term

9 Month Explore 100

Min. to Open

$100,000

Dividend Rate

4.89%

APY**

5.00%

Term

12 Month Thrive 100

Min. to Open

$100,000

Dividend Rate

4.89%

APY**

5.00%

Term

24 Months1

Min. to Open

$100,000

Dividend Rate

4.89%

APY**

5.00%

Term

36 Months

Min. to Open

$100,000

Dividend Rate

4.17%

APY**

4.25%

Term

48 Months

Min. to Open

$100,000

Dividend Rate

4.17%

APY**

4.25%

Term

60 Months

Min. to Open

$100,000

Dividend Rate

4.17%

APY**

4.25%

Term

72 Months

Min. to Open

$100,000

Dividend Rate

4.17%

APY**

4.25%

Open Now
Certificates & IRA Certificates* with Balances $25,000 - $99,999.99

Product

Min. to Open

Dividend Rate

APY*

*APY=Annual Percentage Yield. Penalty fees will be incurred for early withdrawals. Fees could reduce earnings. Rates subject to change without notice. Rates effective 11/29/2023. 1If you wish to open a new 24 month certificate, we are currently offering the Bump-Up Twice option. Current 24 month certificate holders will be rolled into the same product upon maturity.

Product

3 Months

Min. to Open

$25,000

Dividend Rate

1.49%

APY*

1.50%

Product

6 Month Propel 25

Min. to Open

$25,000

Dividend Rate

2.47%

APY*

2.50%

Product

9 Month Explore 25

Min. to Open

$25,000

Dividend Rate

4.41%

APY*

4.50%

Product

12 Month Thrive 25

Min. to Open

$25,000

Dividend Rate

4.41%

APY*

4.50%

Product

24 Months1

Min. to Open

$25,000 

Dividend Rate

4.41%

APY*

4.50%

Product

36 Months

Min. to Open

$25,000

Dividend Rate

3.69%

APY*

3.75%

Product

48 Months

Min. to Open

$25,000

Dividend Rate

3.69%

APY*

3.75%

Product

60 Months

Min. to Open

$25,000

Dividend Rate

3.69%

APY*

3.75%

Product

72 Months

Min. to Open

$25,000

Dividend Rate

3.69%

APY*

3.75%

Open Now
Certificates & IRA Certificates* with Balances of $2,500 - $24,999.99

Term

Min. to Open

Dividend Rate

APY**

*Please visit your local branch to open IRA Certificates.**APY=Annual Percentage Yield. Penalty fees may be incurred for early withdrawals from share certificates. Fees could reduce earnings. Rates effective as of 11/29/2023. Rates subject to change without notice. 1If you wish to open a new 24 month certificate, we are currently offering the Bump-Up Twice option. Current 24 month certificate holders will be rolled into the same product upon maturity.

 

Term

3 Months

Min. to Open

$2,500

Dividend Rate

1.00%

APY**

1.00%

Term

6 Month Propel

Min. to Open

$2,500

Dividend Rate

1.98%

APY**

2.00%

Term

9 Month Explore

Min. to Open

$2,500

Dividend Rate

3.44%

APY**

3.50%

Term

12 Month Thrive

Min. to Open

$2,500

Dividend Rate

3.93%

APY**

4.00%

Term

24 Months1

Min. to Open

$2,500

Dividend Rate

3.93%

APY**

4.00%

Term

36 Months

Min. to Open

$2,500

Dividend Rate

3.21%

APY**

3.25%

Term

48 Months

Min. to Open

$2,500

Dividend Rate

3.20%

APY**

3.25%

Term

60 Months

Min. to Open

$2,500

Dividend Rate

3.20%

APY**

3.25%

Term

72 Months

Min. to Open

$2,500

Dividend Rate

3.20%

APY**

3.25%

Open Now
IRA Certificates* with Balances of $500 - $2,499.99

Term

Min. to Open

Dividend Rate

APY**

*Please visit your local branch to open IRA Certificates.

**APY=Annual Percentage Yield. Penalty fees may be incurred for early withdrawals from share certificates. Fees could reduce earnings. Rates effective as of 11/29/2023. Rates subject to change without notice.

Term

3 Months

Min. to Open

$500

Dividend Rate

0.90%

APY**

0.90%

Term

6 Months

Min. to Open

$500

Dividend Rate

1.88%

APY**

1.90%

Term

9 Months

Min. to Open

$500

Dividend Rate

3.35%

APY**

3.40%

Term

12 Months

Min. to Open

$500

Dividend Rate

3.83%

APY**

3.90%

Term

24 Months

Min. to Open

$500

Dividend Rate

3.83%

APY**

3.90%

Term

36 Months

Min. to Open

$500

Dividend Rate

3.11%

APY**

3.15%

Term

48 Months

Min. to Open

$500

Dividend Rate

3.11%

APY**

3.15%

Term

60 Months

Min. to Open

$500

Dividend Rate

3.11%

APY**

3.15%

Term

72 Months

Min. to Open

$500

Dividend Rate

3.11%

APY**

3.15%

Special Certificates

Term

Min. to Open

Dividend Rate

APY**

*APY=Annual Percentage Yield. Penalty fees may be incurred for early withdrawals from share certificates. Rates effective as of 11/29/2023. Rates subject to change without notice.

Term

36 Months

Min. to Open

$100

Dividend Rate

1.98%

APY**

2.00%

Open Now

Mortgages

We offer Fixed Rate, Adjustable Rate, Jumbo Fixed, and Jumbo Adjustable Rate Mortgage Loans.

Begin a Mortgage application

Visit our  mortgage centeR

 

Home Equity Loans & Lines of Credit

Loan Type

Minimum Loan

APR as Low As

Approximate monthly payment*

APR=Annual Percentage Rate. 1Variable rate product. Rate is tied to the Wall Street Journal Prime rate.

*Monthly payment estimates based on a $25,000.00.  Rates effective as of 11/29/2023. Rates subject to change without notice.

**The Home Equity 10 yr Balloon contains a balloon provision. This means that even if you make all payments in full and on time, the loan will not be paid in full by the end of the final payment date. A single balloon payment covering the remaining outstanding balance will be due and payable. Only 2nd position lien loans qualify. Loan payment example is based on a $25,000 loan amount.

Loan Type

Home Equity Easy Payment Line (30-year term)1

Minimum Loan

$10,000.00

APR as Low As

8.25%

Approximate monthly payment*

Varies
(On a $25,000 draw, your estimated monthly payment would be $225).

Loan Type

Home Equity Easy Payment Line (40-year term)1

Minimum Loan

$10,000.00

APR as Low As

8.50%

Approximate monthly payment*

Varies
(On a $25,000 draw, your estimated monthly payment would be $200).

Loan Type

Home Equity Fixed 10-Year Balloon Loan**

Minimum Loan

$10,000.00

APR as Low As

7.50%

Approximate monthly payment*

$174.89*

(119 pmts. of $174.89 & 1 Balloon pmt. of $21,877.53)

Loan Type

Home Equity Fixed Rate Loan - 5 Year Term

Minimum Loan

$10,000.00

APR as Low As

6.49%

Approximate monthly payment*

$489.08*

Loan Type

Home Equity Fixed Rate Loan - 10 Year Term

Minimum Loan

$10,000.00

APR as Low As

7.00%

Approximate monthly payment*

$290.33*

Loan Type

Home Equity Fixed Rate Loan - 15 Year Term

Minimum Loan

$10,000.00

APR as Low As

7.65%

Approximate monthly payment*

$233.96*

Loan Type

Home Equity Fixed Rate Loan - 20 Year Term

Minimum Loan

$10,000.00

APR as Low As

8.00%

Approximate monthly payment*

$209.19*

Apply Now
Visa® Credit Cards

Account

APR as low as

APR=Annual Percentage Rate. Rate effective as of 11/1/2023. Not all applicants qualify for lowest loan rate. Rate based on credit worthiness. All programs, rates, terms, and conditions are subject to change without notice. Interest rate is variable and based on the Wall Street Journal Prime Rate. A 3% or $5 fee (whichever is greater) of the  balance transfer or cash advance amount will be imposed.

View Visa Terms & Conditions

Account

Visa® Platinum Rewards

APR as low as

14.24%

Account

Visa® Secured

APR as low as

18%

Apply Now
New and Used Auto Loans - Cars, Trucks, Vans, Motorcycles, and RVs

Term

APR¹ as low as

Approximate monthly payment²

Rates are effective as of 11/01/2023. Rates subject to change without notice.

¹APR = Annual Percentage Rate. APR reflects a .25% discount with automatic payments from a NextMark checking account. Rates based on credit worthiness.

²For 36, 48, and 60 months, payment estimates based on a $15,000 auto loan. 72 month payment estimate based on minimum $20,000. 84 month payment estimate based on minimum $25,000.

Term

36 Months

APR¹ as low as

5.59%

Approximate monthly payment²

$465.60

Term

48 Months

APR¹ as low as

5.89%

Approximate monthly payment²

$360.86

Term

60 Months

APR¹ as low as

5.89%

Approximate monthly payment²

$296.92

Term

72 Months

APR¹ as low as

6.29%

Approximate monthly payment²

$340.87

Term

84 Months

APR¹ as low as

6.99%

Approximate monthly payment²

$383.23

Apply Now

 

New and Used Electric Vehicle* Loans

Term

APR¹ as low as

Approximate monthly payment²

Rates are effective as of 11/01/2023. Rates subject to change without notice.

*Electric Vehicles must possess the Plug-In feature with an external charging source. This includes Electric Vehicles (EVs), Plug-in Hybrid Electric Vehicles (PHEVs), and Electric Plug-in Motorcycles. 

¹APR = Annual Percentage Rate. APR reflects a .25% discount with automatic payments from a NextMark checking account and a .25% discount for electric vehicles. Rates based on credit worthiness.

²For 36, 48, and 60 months, payment estimates based on a $15,000 auto loan. 72 month payment estimate based on minimum $20,000. 84 month payment estimate based on minimum $25,000. The 96 month term requires a $50,000 minimum loan balance.

Term

36 Months

APR¹ as low as

5.34%

Approximate monthly payment²

$451.86

Term

48 Months

APR¹ as low as

5.64%

Approximate monthly payment²

$349.80

Term

60 Months

APR¹ as low as

5.64%

Approximate monthly payment²

$287.49

Term

72 Months

APR¹ as low as

6.04%

Approximate monthly payment²

$331.84

Term

84 Months

APR¹ as low as

6.74%

Approximate monthly payment²

$374.15

Term

96 Months

APR¹ as low as

7.74%

Approximate monthly payment²

$700.24

Apply Now
Signature (Personal Loan)

Terms Up To

APR as Low As*

Approximate monthly payment**

*APR=Annual Percentage Rate. APR reflects a .25% discount with automatic payments from a NextMark checking account. Loan maximum is $50,000.

**Monthly payment estimates based on a $5,000.00 signature loan.

Rates are effective as of 11/01/2023. Rates subject to change without notice.

Terms Up To

12 Months

APR as Low As*

9.74%

Approximate monthly payment**

$439.05

Terms Up To

24 Months

APR as Low As*

9.99%

Approximate monthly payment**

$230.77

Terms Up To

36 Months

APR as Low As*

10.24%

Approximate monthly payment**

$161.95

Terms Up To

48 Months

APR as Low As*

10.75%

Approximate monthly payment**

$128.67

Terms Up To

60 Months

APR as Low As*

11.25%

Approximate monthly payment**

$109.38

Apply Now
NextLine - Personal Line of Credit Tied to your Checking Account

Terms Up To

Minimum credit limit

Maximum credit limit

APR as Low As

APR=Annual Percentage Rate. Rate as of 11/01/2023. The rate is variable and may change. The rate you qualify to receive may vary depending on individual credit history and underwriting factors. Fees could be imposed. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Terms Up To

Open End

Minimum credit limit

$500

Maximum credit limit

$5,000

APR as Low As

13.74%

Apply Now

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