APY = Annual Percentage Yield. Fees may reduce earnings.
Savings Rates effective as of 05/13/2022.
Loan Rates effective as of 05/13/2022.
Regular Savings Account
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| Account |
Rate |
APY |
| Regular Share Savings |
0.10% |
0.10% |
Custom Savings Account
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| Account |
Rate |
APY |
| Custom Share Savings |
0.10% |
0.10% |
Christmas Club Account
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| Account |
Rate |
APY |
| Christmas Club Account |
0.10% |
0.10% |
| 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
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| Term |
Minimum Opening Deposit |
Rate |
APY |
| 3 month |
$1,000 |
0.15% |
0.15% |
| 6 month |
$1,000 |
0.35% |
0.35% |
| 12 month |
$1,000 |
0.50% |
0.50% |
| 24 month |
$1,000 |
0.65% |
0.65% |
| 36 month |
$1,000 |
0.85% |
0.85% |
| 48 month |
$1,000 |
0.95% |
0.95% |
| 60 month |
$1,000 |
1.00% |
1.00% |
Penalty for early withdrawal.
Petite Share Certificates
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| Term |
Minimum Opening Deposit |
Rate |
APY |
| 12 month |
$40,000 |
0.50% |
0.50% |
| 24 month |
$40,000 |
0.65% |
0.65% |
| 36 month |
$40,000 |
0.85% |
0.85% |
| 48 month |
$40,000 |
0.95% |
0.95% |
| 60 month |
$40,000 |
1.00% |
1.00% |
Penalty for early withdrawal.
Jumbo Share Certificates
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| Term |
Minimum Opening Deposit |
Rate |
APY |
| 12 month |
$75,000 |
0.64% |
0.64% |
| 24 month |
$75,000 |
0.79% |
0.79% |
| 36 month |
$75,000 |
0.89% |
0.89% |
| 48 month |
$75,000 |
0.99% |
0.99% |
| 60 month |
$75,000 |
1.09% |
1.10% |
Penalty for early withdrawal.
| Account |
Rate |
APY |
| IRA Share Savings |
0.25% |
0.25% |
Roth IRA Savings Account
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| Account |
Rate |
APY |
| Roth IRA Share Savings |
0.25% |
0.25% |
IRA Share Certificates
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| Term |
Minimum Opening Deposit |
Rate |
APY |
| 12 month |
$1,000 |
0.50% |
0.50% |
| 24 month |
$1,000 |
0.65% |
0.65% |
| 36 month |
$1,000 |
0.85% |
0.85% |
| 48 month |
$1,000 |
0.95% |
0.95% |
| 60 month |
$1,000 |
1.00% |
1.00% |
Penalty for early withdrawal.
Money Market Account
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| 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% |
| Term |
Fixed APR as low as |
| 36 months |
2.79% |
| 48 months |
2.84% |
| 60 months |
2.94% |
| 72 months |
3.24% |
| 84 months |
4.19% |
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 2021 and newer
| Term |
Fixed APR as low as |
| 36 months |
2.84% |
| 48 months |
3.29% |
| 60 months |
3.39% |
| 72 months |
3.59% |
| 84 months |
4.59% |
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 2016 - 2020 and newer
Older Model Auto Loans
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| Term |
Fixed APR as low as |
| 36 months |
5.09% |
| 48 months |
5.39% |
| 60 months |
5.59% |
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 older
New and Used Motorcycle Loans
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| Term |
Fixed APR as low as |
| 36 months |
5.49% |
| 48 months |
5.49% |
| 60 months |
5.99% |
| 72 months |
6.15% |
| 84 months |
6.25% |
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 2015 and newer
New and Used Boat Loans
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| Term |
Fixed APR as low as |
| 36 months |
4.85% |
| 48 months |
4.85% |
| 60 months |
5.09% |
| 72 months |
5.35% |
| 84 months |
5.59% |
| 96 months |
5.60% |
| 108 months |
5.85% |
| 120 months |
5.85% |
| 180 months |
6.35% |
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 Personal Watercraft
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| Term |
Fixed APR as low as |
| 36 months |
6.19% |
| 48 months |
6.19% |
| 60 months |
6.19% |
| 72 months |
6.19% |
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 Camping Trailer Loans - 18 feet max
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| Term |
Fixed APR as low as |
| 36 months |
4.65% |
| 48 months |
4.65% |
| 60 months |
4.65% |
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 Travel Trailer / Fifth Wheel
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| Term |
Fixed APR as low as |
| 36 months |
4.90% |
| 48 months |
4.90% |
| 60 months |
4.90% |
| 72 months |
5.40% |
| 84 months |
5.40% |
| 96 months |
5.65% |
| 108 months |
5.90% |
| 120 months |
5.90% |
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 RV / Motor Home Loans
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| Term |
Fixed APR as low as |
| 36 months |
4.65% |
| 48 months |
4.65% |
| 60 months |
4.65% |
| 72 months |
4.90% |
| 84 months |
5.15% |
| 96 months |
5.90% |
| 108 months |
5.90% |
| 120 months |
5.90% |
| 180 months |
6.15% |
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
| Loan Type |
Term |
Fixed APR as low as |
| Line of Credit |
Varies |
11.99% |
| Signature |
Varies |
7.99% |
| 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.
