Rates
|
Checking Type |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
*APY = Annual Percentage Yield. Rates are effective as of 7/19/2023. **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. |
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|
Checking Type |
Min. to Open $0 |
Dividend Rate 0.05% |
APY* 0.05% |
|
Checking Type |
Min. to Open $0 |
Dividend Rate 0.05% |
APY* 0.05% |
|
Checking Type |
Min. to Open $0 |
Dividend Rate 0.05% |
APY* 0.05% |
|
Checking Type |
Min. to Open $0 |
Dividend Rate 0.10% |
APY* 0.10%** |
|
Savings Type |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
*APY=Annual Percentage Yield. Rates are effective as of 7/19/2023. 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. |
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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 0.10% |
APY* 0.10% |
|
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% |
|
Balance |
Dividend Rate* |
APY** |
|---|---|---|
|
*Rates shown are “as high as” amounts. **APY=Annual Percentage Yield. Rates are effective as of 7/19/2023. 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. |
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|
Balance $2,500-$9,999 |
Dividend Rate* 1.00% |
APY** 1.00% |
|
Balance $10,000-$24,999 |
Dividend Rate* 1.14% |
APY** 1.15% |
|
Balance $25,000-$99,999 |
Dividend Rate* 1.39% |
APY** 1.40% |
|
Balance $100,000-$500,000 |
Dividend Rate* 1.64% |
APY** 1.65% |
|
Terms Up To |
Minimum credit limit |
Maximum credit limit |
APR as Low As |
|---|---|---|---|
|
APR=Annual Percentage Rate. Rate as of 7/27/2023. 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. |
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|
Terms Up To Open End |
Minimum credit limit $500 |
Maximum credit limit $5,000 |
APR as Low As 13.74% |
|
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 7/19/2023. Rates subject to change without notice. |
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|
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 Months |
Min. to Open $100,000 |
Dividend Rate 3.93% |
APY** 4.00% |
|
Term 36 Months |
Min. to Open $100,000 |
Dividend Rate 3.45% |
APY** 3.50% |
|
Term 48 Months |
Min. to Open $100,000 |
Dividend Rate 3.45% |
APY** 3.50% |
|
Term 60 Months |
Min. to Open $100,000 |
Dividend Rate 3.70% |
APY** 3.76% |
|
Term 72 Months |
Min. to Open $100,000 |
Dividend Rate 3.70% |
APY** 3.76% |
|
Product |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
*APY=Annual Percentage Yield. Membership required prior to opening certificate accounts. Penalty fees will be incurred for early withdrawals. Fees could reduce earnings. Rates subject to change without notice. Rates effective 7/19/2023. |
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|
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 Months |
Min. to Open $25,000 |
Dividend Rate 3.44% |
APY* 3.50% |
|
Product 36 Months |
Min. to Open $25,000 |
Dividend Rate 2.96% |
APY* 3.00% |
|
Product 48 Months |
Min. to Open $25,000 |
Dividend Rate 2.96% |
APY* 3.00% |
|
Product 60 Months |
Min. to Open $25,000 |
Dividend Rate 3.25% |
APY* 3.30% |
|
Product 72 Months |
Min. to Open $25,000 |
Dividend Rate 3.25% |
APY* 3.30% |
|
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 7/19/23. Rates subject to change without notice.
|
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|
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 Months |
Min. to Open $2,500 |
Dividend Rate 3.44% |
APY** 3.50% |
|
Term 36 Months |
Min. to Open $2,500 |
Dividend Rate 2.96% |
APY** 3.00% |
|
Term 48 Months |
Min. to Open $2,500 |
Dividend Rate 2.96% |
APY** 3.00% |
|
Term 60 Months |
Min. to Open $2,500 |
Dividend Rate 3.25% |
APY** 3.30% |
|
Term 72 Months |
Min. to Open $2,500 |
Dividend Rate 3.25% |
APY** 3.30% |
|
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 7/19/2023. Rates subject to change without notice. |
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|
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 3.35% |
APY** 3.40% |
|
Term 36 Months |
Min. to Open $500 |
Dividend Rate 2.86% |
APY** 2.90% |
|
Term 48 Months |
Min. to Open $500 |
Dividend Rate 2.86% |
APY** 2.90% |
|
Term 60 Months |
Min. to Open $500 |
Dividend Rate 3.15% |
APY** 3.20% |
|
Term 72 Months |
Min. to Open $500 |
Dividend Rate 3.15% |
APY** 3.20% |
|
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 7/19/2023. Rates subject to change without notice. |
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|
Term 36 Months |
Min. to Open $100 |
Dividend Rate 1.65% |
APY** 1.66% |
Mortgages
We offer Fixed Rate, Adjustable Rate, Jumbo Fixed, and Jumbo Adjustable Rate Mortgage Loans.
|
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 8/30/2023. 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. |
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|
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 |
|
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 |
|
Loan Type Home Equity Fixed 10-Year Balloon Loan** |
Minimum Loan $10,000.00 |
APR as Low As 7.25% |
Approximate monthly payment* $170.62* (119 pmts. of $170.62 & 1 Balloon pmt. of $21,747.02) |
|
Loan Type Home Equity Fixed Rate Loan - 5 Year Term |
Minimum Loan $10,000.00 |
APR as Low As 6.24% |
Approximate monthly payment* $486.13* |
|
Loan Type Home Equity Fixed Rate Loan - 10 Year Term |
Minimum Loan $10,000.00 |
APR as Low As 6.75% |
Approximate monthly payment* $287.10* |
|
Loan Type Home Equity Fixed Rate Loan - 15 Year Term |
Minimum Loan $10,000.00 |
APR as Low As 7.40% |
Approximate monthly payment* $230.39* |
|
Loan Type Home Equity Fixed Rate Loan - 20 Year Term |
Minimum Loan $10,000.00 |
APR as Low As 7.75% |
Approximate monthly payment* $205.30* |
|
Term |
APR¹ as low as |
Approximate monthly payment² |
|---|---|---|
|
Rates are effective as of 7/19/2023. 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. |
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Term 36 Months |
APR¹ as low as 5.09% |
Approximate monthly payment² $462.22 |
|
Term 48 Months |
APR¹ as low as 5.39% |
Approximate monthly payment² $357.40 |
|
Term 60 Months |
APR¹ as low as 5.39% |
Approximate monthly payment² $293.40 |
|
Term 72 Months |
APR¹ as low as 5.79% |
Approximate monthly payment² $336.11 |
|
Term 84 Months |
APR¹ as low as 6.59% |
Approximate monthly payment² $378.35 |
|
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 7/19/2023. Rates subject to change without notice. |
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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 |
|
Terms Up To |
Minimum credit limit |
Maximum credit limit |
APR as Low As |
|---|---|---|---|
|
APR=Annual Percentage Rate. Rate as of 7/27/2023. 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. |
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Terms Up To Open End |
Minimum credit limit $500 |
Maximum credit limit $5,000 |
APR as Low As 13.74% |