APY = Annual Percentage Yield. Fees may reduce earnings.
Deposit Rates effective as of 01/04/2024.
Loan Rates effective as of 03/18/2024
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 |
6.750% |
0.000% |
0.000% |
$4,186 |
6.826% |
$1,297.20 |
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 |
6.375% |
0.000% |
0.000% |
$4,381 |
6.496% |
$1,728.50 |
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 |
6.500% |
0.00% |
0.00% |
$3,920 |
6.622% |
$1,742.21 |
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 |
6.875% |
0.00% |
0.00% |
$3,950 |
6.952% |
$1,313.86 |
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 |
7.500% |
1.00% |
0.00% |
$6,920 |
7.687% |
$1,398.43 |
Home Equity 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% |
$1,000 |
6.956% |
$1,327.36 |
Home Equity Line of Credit - 15-Year Term - Maximum Amount $100,000 - 740+ Credit Score = Prime +0% (Adjustable Rate Program) |
Interest Rate |
Origination Fees |
Disc. Points |
Loan Fees |
APR |
Payment |
8.500% |
0.00% |
0.00% |
$723.75 |
8.50% |
$984.74* |
*payment if entire line is pulled at closing - rate is tied to prime and can adjust without notice, payment will change with balance and rate change - see disclosure for details.
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 |
7.000% |
0.00% |
0.00% |
$4,366.00 |
7.131% |
$1,797.66 |
All rates and loan programs subject to change without notice and are available upon approved credit only.
Account |
Rate |
APY |
Regular Share Savings |
0.10% |
0.10% |
Account |
Rate |
APY |
Custom Share Savings |
0.10% |
0.10% |
Account |
Rate |
APY |
Christmas Club Account |
0.10% |
0.10% |
Account |
Term |
Rate |
APY |
Sand Dollar Club |
12 Month |
3.68% |
3.75% |
Wave Riders Club |
12 Month |
3.68% |
3.75% |
$200 minimum deposit to open. Requires parent/guardian. Penalty for early withdrawal.
Term |
Minimum Opening Deposit |
Rate |
APY |
3 month |
$1,000 |
2.96% |
3.01% |
6 month |
$1,000 |
3.44% |
3.50% |
12 month |
$1,000 |
3.68% |
3.75% |
18 month |
$1,000 |
3.68% |
3.75% |
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.
Term |
Minimum Opening Deposit |
Rate |
APY |
12 month |
$40,000 |
3.73% |
3.80% |
18 month |
$40,000 |
3.73% |
3.80% |
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.
Term |
Minimum Opening Deposit |
Rate |
APY |
12 month |
$75,000 |
3.78% |
3.85% |
18 month |
$75,000 |
3.78% |
3.85% |
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.
Account |
Rate |
APY |
IRA Share Savings |
0.25% |
0.25% |
Account |
Rate |
APY |
Roth IRA Share Savings |
0.25% |
0.25% |
Term |
Minimum Opening Deposit |
Rate |
APY |
12 month |
$1,000 |
3.68% |
3.75% |
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.
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% |
Term |
Fixed APR as low as |
36 months |
5.99% |
48 months |
6.04% |
60 months |
6.19% |
72 months |
6.44% |
84 months |
7.39% |
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2023 and newer
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 2018 - 2022 and newer
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 2017 and older
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 2017 and newer
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 2017 and newer
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 2017 and newer
Term |
Fixed APR as low as |
36 months |
7.65% |
48 months |
7.90% |
60 months |
8.15% |
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2017 and newer
Term |
Fixed APR as low as |
36 months |
6.60% |
48 months |
6.85% |
60 months |
7.10% |
72 months |
7.30% |
84 months |
7.60% |
96 months |
7.85% |
108 months |
8.35% |
120 months |
8.85% |
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2017 and newer
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 |
7.65% |
108 months |
7.75% |
120 months |
7.95% |
180 months |
8.35% |
APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Model Year 2017 and newer
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.