Rates

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.

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.

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.

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.

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%

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