APY = Annual Percentage Yield. Fees may reduce earnings.

Savings Rates effective as of 03/24/2023.

Loan Rates effective as of 05/03/2023.

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 3.30% 3.35%
Wave Riders Club 12 Month 3.30% 3.35%

$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 2.42% 2.45%
12 month $1,000 3.30% 3.35%
24 month $1,000 3.35% 3.40%
36 month $1,000 3.69% 3.75%
48 month $1,000 3.74% 3.80%
60 month $1,000 3.83% 3.90%

Penalty for early withdrawal.

Petite Share Certificates Learn More

Term Minimum Opening Deposit Rate APY
12 month $40,000 3.30% 3.35%
24 month $40,000 3.35% 3.40%
36 month $40,000 3.69% 3.75%
48 month $40,000 3.74% 3.80%
60 month $40,000 3.83% 3.90%

Penalty for early withdrawal.

Jumbo Share Certificates Learn More

Term Minimum Opening Deposit Rate APY
12 month $75,000 3.35% 3.40%
24 month $75,000 3.59% 3.65%
36 month $75,000 3.78% 3.85%
48 month $75,000 3.83% 3.90%
60 month $75,000 3.98% 4.05%

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 3.30% 3.35%
24 month $1,000 3.35% 3.40%
36 month $1,000 3.69% 3.75%
48 month $1,000 3.74% 3.80%
60 month $1,000 3.83% 3.90%

Penalty for early withdrawal.

Money Market Account Learn More

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%

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 8.25% 8.25%
Home Equity Loan / Home Improvement Loan As Low as 6.75% 6.92%

Click Here to view additional mortgage products and rates.

New Vehicle Loans Learn More

Term Fixed APR as low as
36 months 4.70%
48 months 4.75%
60 months 4.90%
72 months 5.15%
84 months 6.10%

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

Used Vehicle Loans Learn More

Term Fixed APR as low as
36 months 5.40%
48 months 5.45%
60 months 5.60%
72 months 5.75%
84 months 6.70%

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 Learn More

Term Fixed APR as low as
36 months 6.09%
48 months 6.39%
60 months 6.59%

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 Learn More

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. Model Year 2016 and newer

New and Used Boat Loans Learn More

Term Fixed APR as low as
36 months 4.85%
48 months 4.85%
60 months 5.55%
72 months 5.85%
84 months 5.99%
96 months 6.30%
108 months 6.45%
120 months 6.65%
180 months 6.99%

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 Learn More

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 Learn More

Term Fixed APR as low as
36 months 5.25%
48 months 5.50%
60 months 5.75%

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 Learn More

Term Fixed APR as low as
36 months 5.25%
48 months 5.50%
60 months 5.75%
72 months 5.95%
84 months 6.25%
96 months 6.50%
108 months 6.99%
120 months 7.49%

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 Learn More

Term Fixed APR as low as
36 months 4.75%
48 months 4.75%
60 months 5.50%
72 months 5.80%
84 months 5.99%
96 months 6.15%
108 months 6.25%
120 months 6.45%
180 months 7.05%

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

Additional Loans Learn More

Loan Type Term Fixed APR as low as
Line of Credit Varies 11.99%
Personal 36 months 8.75%
  48 months 9.75%
  60 months 10.00%
Share/CD Secured Varies Floor of 6.00%

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