APY = Annual Percentage Yield. Fees may reduce earnings.
Savings Rates effective as of 05/13/2022.
Loan Rates effective as of 05/13/2022.
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 |
0.15% |
0.15% |
6 month |
$1,000 |
0.35% |
0.35% |
12 month |
$1,000 |
0.50% |
0.50% |
24 month |
$1,000 |
0.65% |
0.65% |
36 month |
$1,000 |
0.85% |
0.85% |
48 month |
$1,000 |
0.95% |
0.95% |
60 month |
$1,000 |
1.00% |
1.00% |
Penalty for early withdrawal.
Petite Share Certificates
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Term |
Minimum Opening Deposit |
Rate |
APY |
12 month |
$40,000 |
0.50% |
0.50% |
24 month |
$40,000 |
0.65% |
0.65% |
36 month |
$40,000 |
0.85% |
0.85% |
48 month |
$40,000 |
0.95% |
0.95% |
60 month |
$40,000 |
1.00% |
1.00% |
Penalty for early withdrawal.
Jumbo Share Certificates
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Term |
Minimum Opening Deposit |
Rate |
APY |
12 month |
$75,000 |
0.64% |
0.64% |
24 month |
$75,000 |
0.79% |
0.79% |
36 month |
$75,000 |
0.89% |
0.89% |
48 month |
$75,000 |
0.99% |
0.99% |
60 month |
$75,000 |
1.09% |
1.10% |
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 |
0.50% |
0.50% |
24 month |
$1,000 |
0.65% |
0.65% |
36 month |
$1,000 |
0.85% |
0.85% |
48 month |
$1,000 |
0.95% |
0.95% |
60 month |
$1,000 |
1.00% |
1.00% |
Penalty for early withdrawal.
Money Market Account
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Balance |
Minimum Opening Deposit |
Rate |
APY |
$2,500-$9,999.99 |
$2,500 |
0.20% |
0.20% |
$10,000-$24,999.99 |
$2,500 |
0.20% |
0.20% |
$25,000-$39,999.99 |
$2,500 |
0.20% |
0.20% |
$40,000-$74,999.99 |
$2,500 |
0.20% |
0.20% |
$75,000-$149,999.99 |
$2,500 |
0.20% |
0.20% |
$150,000+ |
$2,500 |
0.20% |
0.20% |
Term |
Fixed APR as low as |
36 months |
2.79% |
48 months |
2.84% |
60 months |
2.94% |
72 months |
3.24% |
84 months |
4.19% |
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 |
2.84% |
48 months |
3.29% |
60 months |
3.39% |
72 months |
3.59% |
84 months |
4.59% |
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 |
5.09% |
48 months |
5.39% |
60 months |
5.59% |
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 |
5.49% |
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. 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 |
4.85% |
48 months |
4.85% |
60 months |
5.09% |
72 months |
5.35% |
84 months |
5.59% |
96 months |
5.60% |
108 months |
5.85% |
120 months |
5.85% |
180 months |
6.35% |
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 |
6.19% |
48 months |
6.19% |
60 months |
6.19% |
72 months |
6.19% |
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 |
4.65% |
48 months |
4.65% |
60 months |
4.65% |
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 |
4.90% |
48 months |
4.90% |
60 months |
4.90% |
72 months |
5.40% |
84 months |
5.40% |
96 months |
5.65% |
108 months |
5.90% |
120 months |
5.90% |
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 |
4.65% |
48 months |
4.65% |
60 months |
4.65% |
72 months |
4.90% |
84 months |
5.15% |
96 months |
5.90% |
108 months |
5.90% |
120 months |
5.90% |
180 months |
6.15% |
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 |
11.99% |
Signature |
Varies |
7.99% |
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.