APY = Annual Percentage Yield. Fees may reduce earnings.

Savings Rates effective as of 01/03/2023.

Loan Rates effective as of 01/03/2023.

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 1.34% 1.35%
6 month $1,000 1.83% 1.85%
12 month $1,000 2.72% 2.75%
24 month $1,000 2.76% 2.80%
36 month $1,000 3.11% 3.15%
48 month $1,000 3.20% 3.25%
60 month $1,000 3.40% 3.45%

Penalty for early withdrawal.

Petite Share Certificates Learn More

Term Minimum Opening Deposit Rate APY
12 month $40,000 2.72% 2.75%
24 month $40,000 2.76% 2.80%
36 month $40,000 3.11% 3.15%
48 month $40,000 3.20% 3.25%
60 month $40,000 3.40% 3.45%

Penalty for early withdrawal.

Jumbo Share Certificates Learn More

Term Minimum Opening Deposit Rate APY
12 month $75,000 2.76% 2.80%
24 month $75,000 3.01% 3.05%
36 month $75,000 3.20% 3.25%
48 month $75,000 3.49% 3.55%
60 month $75,000 3.59% 3.65%

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 2.72% 2.75%
24 month $1,000 2.76% 2.80%
36 month $1,000 3.11% 3.15%
48 month $1,000 3.20% 3.25%
60 month $1,000 3.40% 3.45%

Penalty for early withdrawal.

Money Market Account Learn More

Balance Minimum Opening Deposit Rate APY
$2,500-$9,999.99 $2,500 0.90% 0.90%
$10,000-$24,999.99 $2,500 0.95% 0.95%
$25,000-$39,999.99 $2,500 1.00% 1.00%
$40,000-$74,999.99 $2,500 1.04% 1.05%
$75,000-$149,999.99 $2,500 1.09% 1.10%
$150,000+ $2,500 1.09% 1.10%

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
Residential Lot Loan As Low as 7.00% 7.224%
Adjustable Rate Home Equity Line of Credit As Low as 7.50% 7.50%
Home Equity Loan / Home Improvement Loan As Low as 6.25% 6.45%

Click Here to view additional mortgage products and rates.

New Vehicle Loans Learn More

Term Fixed APR as low as
36 months 4.45%
48 months 4.50%
60 months 4.65%
72 months 4.90%
84 months 5.85%

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 2022 and newer

Used Vehicle Loans Learn More

Term Fixed APR as low as
36 months 4.80%
48 months 4.85%
60 months 5.00%
72 months 5.15%
84 months 6.10%

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 2017 - 2021 and newer

Older Model Auto Loans Learn More

Term Fixed APR as low as
36 months 5.34%
48 months 5.64%
60 months 5.84%

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 2016 and older

New and Used Motorcycle Loans Learn More

Term Fixed APR as low as
36 months 5.24%
48 months 5.24%
60 months 5.74%
72 months 5.90%
84 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 2015 and newer

New and Used Boat Loans Learn More

Term Fixed APR as low as
36 months 4.60%
48 months 4.60%
60 months 5.30%
72 months 5.40%
84 months 5.49%
96 months 5.55%
108 months 5.60%
120 months 5.60%
180 months 6.24%

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 Learn More

Term Fixed APR as low as
36 months 6.74%
48 months 6.84%
60 months 7.24%
72 months 7.44%

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 Learn More

Term Fixed APR as low as
36 months 5.00%
48 months 5.25%
60 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 2015 and newer

New and Used Travel Trailer / Fifth Wheel Learn More

Term Fixed APR as low as
36 months 5.00%
48 months 5.25%
60 months 5.50%
72 months 5.60%
84 months 6.00%
96 months 6.25%
108 months 6.74%
120 months 7.24%

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 Learn More

Term Fixed APR as low as
36 months 4.50%
48 months 4.50%
60 months 5.25%
72 months 5.30%
84 months 5.49%
96 months 5.65%
108 months 5.65%
120 months 5.65%
180 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

Additional Loans Learn More

Loan Type Term Fixed APR as low as
Line of Credit Varies 11.74%
Personal 36 months 8.50%
  48 months 9.50%
  60 months 9.75%
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.