Rates

Risk-Based | Loans | Savings | Certificates


Signature
Credit Rating A
APR*
B
APR*
Open-end 11.9% 16.9%

Vehicle Loans
Credit Rating A+
APR*
A
APR*
B
APR*
C
APR*
D
APR*
E
APR*
0-36 mos 1.74% 1.99% 2.29% 6.99% 7.29% 9.99%
37-60 mos 1.99% 2.29% 2.49% 7.29% 7.49% 10.29%
61-72 mos    2.29% 2.49% 2.99% 7.49% 7.99% 10.49%
73-84 mos   3.99% 4.99% 5.99% 8.99% 9.99% 11.99%
*APR = Annual Percentage Rate
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Rates posted are the lowest possible rates.
Rates may vary depending on past credit history and term,
down payment, and approximate term.
Rates are subject to change.
Loans

Rate

APR*

Term

 

Signature Loans (11.9% to 16.9%)

11.9% 11.9% 36 Calculator
Visa Platinum 13.9% 13.9% n/a Calculator
Visa Gold   11.9% 11.9% n/a Calculator
Certificate Secured Visa 6.5% 6.5% n/a Calculator
Feel Free 8.9% 8.9% n/a Calculator 
*APR = Annual Percentage Rate
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Rates Effective October 2016
Savings

Minimum
Balance

Dividend Rate

APY*

Dividend Period Term
I.R.A. Variable Savings $100 0.45% 0.45% M 1
Regular Shares

$100 - $2000

0.20% 0.20% Q 3
Regular Shares $2000+ 0.30% 0.30% Q 3
Special Savings $100 0.20% 0.20% Q 3
Regular Checking $250 0.10% 0.10% M 1
High-Tide (Money Market) Checking $2500+ 0.40% 0.40% M 1
*APY = Annual Percentage Yield
There may be a penalty for early withdrawal.
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Rates Effective February 2017
Certificates

Minimum
Deposit

Dividend Rate

APY*

Dividend Period Term
Share Certificate $500 0.70% 0.70% M 6
Share Certificate $500 0.90% 0.90% M 12
Share Certificate $500 1.29% 1.30% M 24
Share Certificate $500 1.59% 1.60% M 36
Share Certificate $500 1.74% 1.75% M 48
Share Certificate $500 1.98% 2.00% M 60
IRA Certificate $500 0.90% 0.90% M 12
IRA Certificate $500 1.24% 1.25% M 24
IRA Certificate $500 1.49% 1.50% M 36
IRA Certificate $500 1.98% 2.00% M 60
Jumbo Certificate $50,000 0.80% 0.80% M 6
Jumbo Certificate $50,000 1.00% 1.00% M 12
Jumbo Certificate $50,000 1.29% 1.30% M 24
Jumbo Certificate $50,000 1.39% 1.40% M 36
Jumbo Certificate $50,000 1.59% 1.60% M 48
Jumbo Certificate $50,000 1.98% 2.00% M 60
*APY = Annual Percentage Yield
There may be a penalty for early withdrawal.

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