APY = Annual Percentage Yield. Fees may reduce earnings.

Savings Rates effective as of 08/19/2022.

Loan Rates effective as of 09/13/2022.

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 0.50% 0.50%
6 month $1,000 0.70% 0.70%
12 month $1,000 1.04% 1.05%
24 month $1,000 1.39% 1.40%
36 month $1,000 1.59% 1.60%
48 month $1,000 1.98% 2.00%
60 month $1,000 2.08% 2.10%

Penalty for early withdrawal.

Petite Share Certificates Learn More

Term Minimum Opening Deposit Rate APY
12 month $40,000 1.04% 1.05%
24 month $40,000 1.39% 1.40%
36 month $40,000 1.59% 1.60%
48 month $40,000 1.98% 2.00%
60 month $40,000 2.08% 2.10%

Penalty for early withdrawal.

Jumbo Share Certificates Learn More

Term Minimum Opening Deposit Rate APY
12 month $75,000 1.14% 1.15%
24 month $75,000 1.49% 1.50%
36 month $75,000 1.69% 1.70%
48 month $75,000 2.08% 2.10%
60 month $75,000 2.18% 2.20%

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 1.04% 1.05%
24 month $1,000 1.39% 1.40%
36 month $1,000 1.59% 1.60%
48 month $1,000 1.98% 2.00%
60 month $1,000 2.08% 2.10%

Penalty for early withdrawal.

Money Market Account Learn More

Balance Minimum Opening Deposit Rate APY
$2,500-$9,999.99 $2,500 0.30% 0.30%
$10,000-$24,999.99 $2,500 0.35% 0.35%
$25,000-$39,999.99 $2,500 0.40% 0.40%
$40,000-$74,999.99 $2,500 0.45% 0.45%
$75,000-$149,999.99 $2,500 0.50% 0.50%
$150,000+ $2,500 0.50% 0.50%

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 5.50% 5.50%

Click Here to view additional mortgage products and rates.

New Vehicle Loans Learn More

Term Fixed APR as low as
36 months 3.50%
48 months 3.55%
60 months 3.70%
72 months 3.85%
84 months 5.30%

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

Used Vehicle Loans Learn More

Term Fixed APR as low as
36 months 4.20%
48 months 4.25%
60 months 4.30%
72 months 4.40%
84 months 5.64%

 

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 Learn More

Term Fixed APR as low as
36 months 4.84%
48 months 5.14%
60 months 5.34%

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 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 4.50%
48 months 4.55%
60 months 5.24%

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 Travel Trailer / Fifth Wheel Learn More

Term Fixed APR as low as
36 months 4.65%
48 months 4.65%
60 months 5.24%
72 months 5.35%
84 months 5.35%
96 months 6.04%
108 months 6.24%
120 months 6.74%

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 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

Personal Loans Learn More

Loan Type Term Fixed APR as low as
Line of Credit Varies 11.74%
Signature 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.