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
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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% |
| 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
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| 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
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| 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
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| 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.
| 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 |
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
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| 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% |
Click Here to view additional mortgage products and rates.
| 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
| 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
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| 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
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| 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
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| 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
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| 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
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| 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
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| 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
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| 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
| 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.
