APY = Annual Percentage Yield. Fees may reduce earnings.

Savings Rates effective as of 11/01/2021.

Loan Rates effective as of 11/01/2021.

Regular Savings Account Learn More

Account Rate APY
Regular Share Savings 0.10% 0.10%

Custom Savings Account Learn More

Account Rate APY
Custom Share Savings 0.10% 0.10%

Christmas Club Account Learn More

Account Rate APY
Christmas Club Account 0.10% 0.10%

Youth Certificates Learn More

Account Term Rate APY
Sand Dollar Club 12 Month 0.29% 0.29%
Wave Riders Club 12 Month 0.29% 0.29%

$200 minimum deposit to open. Requires parent/guardian. Penalty for early withdrawal.

Regular Share Certificates Learn More

Term Minimum Opening Deposit Rate APY
3 month $1,000 0.15% 0.15%
6 month $1,000 0.30% 0.30%
12 month $1,000 0.35% 0.35%
24 month $1,000 0.40% 0.40%
36 month $1,000 0.60% 0.60%
48 month $1,000 0.70% 0.70%
60 month $1,000 0.75% 0.75%

Penalty for early withdrawal.

Petite Share Certificates Learn More

Term Minimum Opening Deposit Rate APY
12 month $40,000 0.35% 0.35%
24 month $40,000 0.40% 0.40%
36 month $40,000 0.60% 0.60%
48 month $40,000 0.70% 0.70%
60 month $40,000 0.75% 0.75%

Penalty for early withdrawal.

Jumbo Share Certificates Learn More

Term Minimum Opening Deposit Rate APY
12 month $75,000 0.44% 0.44%
24 month $75,000 0.54% 0.54%
36 month $75,000 0.64% 0.64%
48 month $75,000 0.74% 0.74%
60 month $75,000 0.84% 0.84%

Penalty for early withdrawal.

IRA Share Savings Learn More

Account Rate APY
IRA Share Savings 0.25% 0.25%

Roth IRA Savings Account Learn More

Account Rate APY
Roth IRA Share Savings 0.25% 0.25%

IRA Share Certificates Learn More

Term Minimum Opening Deposit Rate APY
12 month $1,000 0.35% 0.35%
24 month $1,000 0.40% 0.40%
36 month $1,000 0.60% 0.60%
48 month $1,000 0.70% 0.70%
60 month $1,000 0.75% 0.75%

Penalty for early withdrawal.

Money Market Account Learn More

Balance Minimum Opening Deposit Rate APY
$2,500-$9,999.99 $2,500 0.20% 0.20%
$10,000-$24,999.99 $2,500 0.20% 0.20%
$25,000-$39,999.99 $2,500 0.20% 0.20%
$40,000-$74,999.99 $2,500 0.20% 0.20%
$75,000-$149,999.99 $2,500 0.20% 0.20%
$150,000+ $2,500 0.20% 0.20%

Mortgage Rates Learn More

Type of Loan Rate APR
30-Year Fixed Click for Rates Click for Rates
15-Year Fixed Click for Rates Click for Rates
10-Year Fixed Click for Rates Click for Rates
Residential Lot Loan As Low as 7.00% 7.146%
Adjustable Rate Home Equity Line of Credit As Low as 4.00% 4.00%

New and Used Vehicle Loans Learn More

Term Fixed APR as low as
36 months 2.44%
48 months 2.44%
60 months 2.74%
72 months 3.04%
84 months 3.84%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2015 and newer

New and Used Motorcycle Loans Learn More

Term Fixed APR as low as
36 months 5.24%
48 months 5.24%
60 months 5.54%
72 months 5.74%
84 months 5.74%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2014 and newer

Older Model Auto Loans Learn More

Term Fixed APR as low as
36 months 5.04%
48 months 5.04%
60 months 5.04%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2014 and older

New and Used Boat Loans Learn More

Term Fixed APR as low as
36 months 4.50%
48 months 4.50%
60 months 4.50%
72 months 5.00%
84 months 5.00%
96 months 5.25%
108 months 5.50%
120 months 5.50%
180 months 6.00%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2014 and newer

New and Used Personal Watercraft Learn More

Term Fixed APR as low as
36 months 5.74%
48 months 5.74%
60 months 5.74%
72 months 5.74%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2014 and newer

New and Used Camping Trailer Loans - 18 feet max Learn More

Term Fixed APR as low as
36 months 4.25%
48 months 4.25%
60 months 4.25%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2014 and newer

New and Used Travel Trailer / Fifth Wheel Learn More

Term Fixed APR as low as
36 months 4.50%
48 months 4.50%
60 months 4.50%
72 months 5.00%
84 months 5.00%
96 months 5.25%
108 months 5.50%
120 months 5.50%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2014 and newer

New and Used RV / Motor Home Loans Learn More

Term Fixed APR as low as
36 months 4.25%
48 months 4.25%
60 months 4.25%
72 months 4.50%
84 months 4.75%
96 months 5.50%
108 months 5.50%
120 months 5.50%
180 months 5.75%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2014 and newer

Personal Loans Learn More

Loan Type Term Fixed APR as low as
Line of Credit Varies 11.74%
Signature Varies 7.74%
Share/CD Secured Varies Floor of 6.00%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment.