Rates

*APR = Annual Percentage Rate. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting. No annual fee; 25 day grace period on purchases if payment is made in full by due date. See application for complete terms and conditions.

1) Rates may vary with the market based on the Prime Rate quoted in the Wall Street Journal. The Prime Rate plus the margin equal the Annual Percentage Rate (APR). The margin will be based on creditworthiness. APR can change on the first day of the billing cycle in the month following a change in the Prime Rate. We will use the Prime Rate as of the 15th day of the month before the month of any APR adjustment.

2) Credit lines starting at $10,000. Click for introductory rate.

3) Minimum $500 limit.

*APR = Annual Percentage Rate. Rates effective July 23, 2025. Rates, and terms and conditions subject to change without notice on new loans. Rates posted are estimates only and are subject to change without notice. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan.

The quotes above are based on a specific loan amount for the purchase of a single family primary residence.

1) 15 and 30 Year Fixed Rate loan payments are based on a loan amount of $150,000.00

2) 15 Year Choice Home Equity loan payments are based on a loan amount of $25,000.00

3) 15 and 30 Year JUMBO loan payments are based on a $806,500.00 loan amount

4) *APR (Annual Percentage Rate) effective 7/19/2024 introductory rate applicable for first twelve months following open date. After introductory period, APR is based on the Prime Rate (7.50%), or Prime Rate (7.50%) plus a margin based on underwriting & Loan To Value (LTV) and may vary with Prime Rate after account opening: Floor = 2.00% APR, Cap = 15.0% APR. Loan features 10-year draw and 15-year repayment period. Current 5.990% APR reflects best rate available based on less than 90% LTV & individual creditworthiness.

No credit union closing costs incurred for lines of credit up to $249,999 when automated value model is used for underwriting; loans using alternate valuation sources could incur closing costs up to $600 depending on property location, type and loan amount. Loans greater than $249,999 subject to standard lending practices with a closing cost between $0.00 – $4,000. City/county/state fees may apply.

Membership eligibility is required. Loan subject to approval. Equity limits and underwriting requirements vary by state. We do business in accordance to the Federal Fair Housing Law and Equal Credit Opportunity Act. NMLS#401252.

1- *APY=Annual Percentage Yield. Interest is paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

1- *APY= Annual Percentage Yield. Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.

2- *APY=Annual Percentage Yield. For the Accelerate It Savings account, the dividend rate and annual percentage yield are subject to change without notice after account opening. APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number.

For Accelerate It Savings accounts, you must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account.

Rate offers accurate as of 06/01/2025. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required.

3- *APY=Annual Percentage Yield. Assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account. Earn and Learn available to members up through age 21. APY dividend of 2.96% is earned on balances $5.00- $1,000.00. Balances over $1,000.00 and above will receive APY of 0.20%.

Rate offers accurate as of 06/01/2025. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required.

1- *APY=Annual Percentage Yield Withdrawals and fees may reduce earnings on the account. Interest is compounded and credited monthly based on the average daily balance (ADB) method. APY is accurate as of 06/01/2025. Rates subject to change without notice. A monthly $5.00 fee applies if ADB falls below $1,000.

To meet monthly qualification requirements for the high interest rate, you must: (1) make 15 debit card purchases that post and settle your account, (2) have one ACH credit or direct deposit post to your account, and (3) be enrolled in eStatements.

Balances $0 to $25,000 earn 5.00% APY; balances $25,000.01 and above earn standard APY (0.20%). Membership eligibility required. Other rates and terms available.

*APY= Annual Percentage Yield. Penalty for early withdrawal. Fees may reduce earnings on the account. See "Truth-in-Savings Disclosure" for further information.