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Rates

APY = Annual Percentage Yield. Fees may reduce earnings.
Deposit Rates effective as of 08/15/2025.
Loan Rates effective as of 01/12/2026.
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Home Loans

Home Purchase – 30 Year Fixed – Example 20% Down – Loan Amount $200,000 – 740 Credit Score – Maximum Loan $832,750

Interest Rate
Origination Fees
Disc. Points
Loan Fees
APR
Payment
5.750%
0.000%
0.000%
$5,244.90
5.834%
$1,167.15

Home Purchase – 15 Year Fixed – Example 20% Down – Loan Amount $200,000 – 760 Credit Score – Maximum Loan $832,750

Interest Rate
Origination Fees
Disc. Points
Loan Fees
APR
Payment
5.500%
0.000%
0.000%
$5,244.90
5.635%
$1,634.17
All rates and loan programs subject to change without notice and are available upon approved credit only.

Home Refinance – 15-Year No Cash Out – Up to 80% LTV – Loan Amount $200,000 – 760 Credit Score – Maximum Loan $832,750

Interest Rate
Origination Fees
Disc. Points
Loan Fees
APR
Payment
5.625%
0.00%
0.00%
$5,014.90
5.762%
$1,647.46

Home Refinance – 30-Year No Cash Out – Up to 80% LTV – Loan Amount $200,000 – 760 Credit Score – Maximum Loan $832,750

Interest Rate
Origination Fees
Disc. Points
Loan Fees
APR
Payment
5.875%
0.00%
0.00%
$5,014.90
5.958%
$1,183.08

All rates and loan programs subject to change without notice and are available upon approved credit only.

Rental Home Purchase – 30-Year Term – Example 25% Down – Loan Amount $200,000 – 760 Credit Score – Maximum Loan $832,750

Interest Rate
Origination Fees
Disc. Points
Loan Fees
APR
Payment
6.500%
1.00%
0.00%
$7,244.90
6.689%
$1,264.14
All rates and loan programs subject to change without notice and are available upon approved credit only.

Home Equity Loan – Fixed Rate 15-Year Term – Example 20% Equity – Loan Amount $200,000 (2nd Mortgage) – 730 Credit Score – Maximum Loan $200,000

Interest Rate
Origination Fees
Disc. Points
Loan Fees
APR
Payment
6.875%
0.00%
0.00%
$3,000
7.164%
$1,783.71
All rates and loan programs subject to change without notice and are available upon approved credit only.

Home Equity Line of Credit – 15-Year Term – Maximum Amount $100,000 – 730+ Credit Score = Prime + 0% (Adjustable Rate Program)

Interest Rate
Origination Fees
Disc. Points
Loan Fees
APR
Payment
6.75%
0.00%
0.00%
$1,093.65
6.75%
$884.91
*payment if entire line is pulled at closing – rate is tied to prime and can adjust without notice, payment will change with balance and rate change – see disclosure for details.
Residential Lot Loan – Fixed Rate 15-year – Example 20% Down – Loan Amount $250,000 – 700 Credit Score – Maximum Loan $250,000
Interest Rate
Origination Fees
Disc. Points
Loan Fees
APR
Payment
7.000%
0.000%
0.000%
$5,061.90
7.156%
$1,797.66

All rates and loan programs subject to change without notice and are available upon approved credit only.

Auto Loans

Term
Fixed APR as low as
36 months
4.69%
48 months
4.89%
60 months
5.04%
72 months
5.24%
84 month
5.99%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2025 and newer.

Term
Fixed APR as low as
36 months
5.30%
48 months
5.49%
60 months
5.54%
72 months
5.79%
84 months
6.79%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2020 – 2024.

Term
Fixed APR as low as
36 months
7.30%
48 months
7.49%
60 months
7.54%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2019 and older

Visa Rates

Type
Rates (APR) as low as
Visa Classic Credit Card
8.95%
Visa Rewards Credit Card
12.15%

APR = Annual Percentage Rate. Subject to individual credit worthiness.

Fico Range
Rewards Margin
Prime
Monthly Periodic Rate
Rewards APR
PSCU Strategy Code
Non Rewards Margin
Prime
Monthly Periodic Rate
Non Rewards APR
PSCU Strategy Code
599 or <
13.65%
6.75%
1.5000%
18.00%
RQRF
11.65%
6.75%
1.5000%
18.00%
RQPF
600 – 639
9.65%
6.75%
1.3667%
16.40%
RQRE
7.65%
6.75%
1.2000%
14.40%
RQPE
640 – 669
8.65%
6.75%
1.2833%
15.40%
RQRD
6.65%
6.75%
1.1167%
13.40%
RQPD
670 – 699
7.40%
6.75%
1.1792%
14.15%
RQRC
4.90%
6.75%
0.9708%
11.65%
RQPC
700 – 729
6.40%
6.75%
1.0958%
13.15%
RQRB
3.20%
6.75%
0.8292%
9.95%
RQPB
730 +
5.40%
6.75%
1.0125%
12.15%
RQRA
2.20%
6.75%
0.7458%
8.95%
RQPA

Boat & Watercraft Loans

Term
Fixed APR as low as
36 months
5.85%
48 months
5.85%
60 months
6.55%
72 months
6.85%
84 months
6.99%
96 months
7.30%
108 months
7.45%
120 months
7.65%
180 months
7.99%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2019 and newer.

Term
Fixed APR as low as
36 months
6.89%
48 months
6.99%
60 months
7.25%
72 months
7.69%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2019 and newer.

Recreational Vehicle Loans

Term
Fixed APR as low as
36 months
6.04%
48 months
6.24%
60 months
6.74%
72 months
6.90%
84 months
7.00%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2019 and newer.

Term
Fixed APR as low as
36 months
7.65%
48 months
7.90%
60 months
8.15%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2019 and newer.

Term
Fixed APR as low as
36 months
6.60%
48 months
6.85%
60 months
7.10%
72 months
7.30%
84 months
7.60%
96 months
7.85%
108 months
8.35%
120 months
8.85%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2019 and newer.

Term
Fixed APR as low as
36 months
5.85%
48 months
6.05%
60 months
6.50%
72 months
6.80%
84 months
6.99%
96 months
7.15%
108 months
7.30%
120 months
7.45%
180 months
8.35%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2019 and newer.

Savings Accounts

Account
Rate
APY
Regular Share Savings
0.10%
0.10%
Account
Rate
APY
Custom Share Savings
0.10%
0.10%
Account
Rate
APY
Christmas Club Account
0.10%
0.10%
Balance
Minimum Opening Deposit
Rate
APY
$2,500-$9,999.99
$2,500
0.95%
0.95%
$10,000-$24,999.99
$2,500
1.04%
1.05%
$25,000-$39,999.99
$2,500
1.09%
1.10%
$40,000-$74,999.99
$2,500
1.14%
1.15%
$75,000-$149,999.99
$2,500
1.19%
1.20%
$150,000+
$2,500
1.19%
1.20%

Certificates

Account
Term
Rate
APY
Sand Dollar Club
12 Month
3.68%
3.75%
Wave Riders Club
12 Month
3.68%
3.75%
$200 minimum deposit to open. Requires parent/guardian. Penalty for early withdrawal.
Term
Minimum Opening Deposit
Rate
APY
3 month
$1,000
2.96%
3.01%
6 month
$1,000
3.44%
3.50%
12 month
$1,000
3.68%
3.75%
18 month
$1,000
3.68%
3.75%
24 month
$1,000
3.83%
3.90%
36 month
$1,000
3.54%
3.60%
48 month
$1,000
3.39%
3.45%
60 month
$1,000
3.29%
3.34%
Penalty for early withdrawal.
Term
Minimum Opening Deposit
Rate
APY
12 month
$40,000
3.73%
3.80%
18 month
$40,000
3.73%
3.80%
24 month
$40,000
3.87%
3.95%
36 month
$40,000
3.58%
3.64%
48 month
$40,000
3.44%
3.50%
60 month
$40,000
3.34%
3.40%
Penalty for early withdrawal.
Term
Minimum Opening Deposit
Rate
APY
12 month
$75,000
3.78%
3.85%
18 month
$75,000
3.78%
3.85%
24 month
$75,000
3.92%
4.00%
36 month
$75,000
3.63%
3.70%
48 month
$75,000
3.49%
3.55%
60 month
$75,000
3.39%
3.45%
Penalty for early withdrawal.

IRAs

Account
Rate
APY
IRA Share Savings
0.25%
0.25%
Account
Rate
APY
Roth IRA Share Savings
0.25%
0.25%
Term
Minimum Opening Deposit
Rate
APY
12 month
$1,000
3.68%
3.75%
24 month
$1,000
3.83%
3.90%
36 month
$1,000
3.54%
3.60%
48 month
$1,000
3.39%
3.45%
60 month
$1,000
3.29%
3.34%
Penalty for early withdrawal.

Additional Loans

Loan Type
Term
Fixed APR as low as
Line of Credit
Varies
11.99%
Personal
36 months
10.00%
48 months
10.70%
60 months
10.95%
Share/CD Secured
Varies
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary.

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