APY = Annual Percentage Yield. Fees may reduce earnings.

Deposit Rates effective as of 11/09/2023.

Loan Rates effective as of 11/14/2023.

Home Loans

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Home Purchase - 30 Year Fixed - Example 20% Down - Loan Amount $200,000 - 740 Credit Score - Maximum Loan $726,200
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment
7.125% 0.000% 0.000% $4,186 7.210% $1347.44
Home Purchase - 15 Year Fixed - Example 20% Down -  Loan Amount $200,000 - 740 Credit Score - Maximum Loan $726,200
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment
6.750% 0.000% 0.000% $4,381 6.875% $1769.82
Home Refinance - 15-Year No Cash Out - Example 20% Down -  Loan Amount $200,000 - 740 Credit Score - Maximum Loan $726,200
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment
7.000% 0.00% 0.00% $3,920 7.127% $1797.66
Home Refinance - 30-Year No Cash Out - Example 20% Down -  Loan Amount $200,000 - 740 Credit Score - Maximum Loan $726,200
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment
7.375% 0.00% 0.00% $3,950 7.457% $1381.35
Rental Home Purchase - 30-Year Term - Example 20% Down - Loan Amount $200,000 - 740 Credit Score - Maximum Loan $726,200
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment
7.750% 1.00% 0.00% $6,920 7.941% $1432.82
Home Improvement Loan - Fixed Rate 15-Year Term - Example 20% Equity - Loan Amount $150,000 (2nd Mortgage) - 740 Credit Score - Maximum Loan $150,000
Interest Rate Origination Fees Disc. Points Loan Fees APR Payment
6.750% 0.00% 0.00% $1,500 6.956% $1,327.36
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
7.00% 0.00% 0.00% $4,366.00 7.131% $1797.66

Home Equity Loan - Home Equity Line of Credit. Click here for more information

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

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%
Youth Certificates

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Account Term Rate APY
Sand Dollar Club 12 Month 3.63% 3.70%
Wave Riders Club 12 Month 3.63% 3.70%

$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 1.83% 1.85%
6 month $1,000 2.32% 2.35%
12 month $1,000 3.63% 3.70%
18 month $1,000 3.63% 3.70%
24 month $1,000 3.83% 3.90%
36 month $1,000 3.83% 3.90%
48 month $1,000 3.34% 3.40%
60 month $1,000 3.34% 3.40%

 

Penalty for early withdrawal.

Petite Share Certificates

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Term Minimum Opening Deposit Rate APY
12 month $40,000 3.68% 3.75%
18 month $40,000 3.68% 3.75%
24 month $40,000 3.87% 3.95%
36 month $40,000 3.87% 3.95%
48 month $40,000 3.39% 3.45%
60 month $40,000 3.39% 3.45%

Penalty for early withdrawal.

Jumbo Share Certificates

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Term Minimum Opening Deposit Rate APY
12 month $75,000 3.73% 3.80%
18 month $75,000 3.73% 3.80%
24 month $75,000 3.92% 4.00%
36 month $75,000 3.92% 4.00%
48 month $75,000 3.44% 3.50%
60 month $75,000 3.44% 3.50%

Penalty for early withdrawal.

IRA Share Savings

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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 3.63% 3.70%
24 month $1,000 3.83% 3.90%
36 month $1,000 3.83% 3.90%
48 month $1,000 3.34% 3.40%
60 month $1,000 3.34% 3.40%

Penalty for early withdrawal.

Money Market Account

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Balance Minimum Opening Deposit Rate APY
$2,500-$9,999.99 $2,500 0.95% 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%
New Vehicle Loans

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Term Fixed APR as low as
36 months 5.74%
48 months 5.79%
60 months 5.94%
72 months 6.19%
84 months 7.14%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2022 and newer

Used Vehicle Loans

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Term Fixed APR as low as
36 months 6.20%
48 months 6.25%
60 months 6.40%
72 months 6.55%
84 months 7.50%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2017 - 2021 and newer

Older Model Auto Loans

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Term Fixed APR as low as
36 months 7.99%
48 months 8.29%
60 months 8.49%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2016 and older

New and Used Motorcycle Loans

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Term Fixed APR as low as
36 months 6.79%
48 months 6.79%
60 months 7.29%
72 months 7.45%
84 months 7.55%

 

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2016 and newer

New and Used Boat Loans

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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 2016 and newer

New and Used Personal Watercraft

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Term Fixed APR as low as
36 months 6.99%
48 months 7.09%
60 months 7.49%
72 months 7.69%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2016 and newer

New and Used Camping Trailer Loans - 18 feet max

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Term Fixed APR as low as
36 months 6.65%
48 months 6.90%
60 months 7.15%

 

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2016 and newer

New and Used Travel Trailer / Fifth Wheel

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Term Fixed APR as low as
36 months 6.45%
48 months 6.70%
60 months 6.95%
72 months 7.15%
84 months 7.45%
96 months 7.70%
108 months 8.19%
120 months 8.69%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2016 and newer

New and Used RV / Motor Home Loans

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Term Fixed APR as low as
36 months 5.85%
48 months 6.05%
60 months 6.80%
72 months 7.10%
84 months 7.29%
96 months 7.45%
108 months 7.55%
120 months 7.75%
180 months 8.35%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2016 and newer

Additional Loans

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Loan Type Term Fixed APR as low as
Line of Credit Varies 11.99%
Personal 36 months 9.50%
  48 months 10.50%
  60 months 10.75%
Share/CD Secured Varies  

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