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All Rates

Deposit Rates

Savings
Effective Date: October 1, 2025
Product TypeMinimum Balance**Dividend RateAPY*Dividend PeriodTerm**
IRA Variable Savings $100 0.20% 0.20% M 1 Month
IRA Fixed Certificates $500 3.69% 3.75% Q 1 Year
IRA Fixed Certificates $500 3.69% 3.75% Q 2 Year
IRA Fixed Certificates $500 3.70% 3.76% Q 3 Year
IRA Fixed Certificates $500 3.93% 4.00% Q 5 Year
Regular Savings $100 - $2000 0.05% 0.05% Q Day In/Day Out
Regular Shares $2,005+ 0.10% 0.10% Q Day In/Day Out
Special Savings $100 0.05% 0.05% Q 3 Months
Regular Checking $250 0.05% 0.05% M Day In/Day Out
High-Tide Checking
(Money Market)		 $2,500 - $24,999 0.40% 0.40% M Day In/Day Out
High-Tide Checking
(Money Market)		 $25,000 - $99,999 0.50% 0.50% M Day In/Day Out
High-Tide Checking
(Money Market)		 $100,000+ ​​​​​​​0.60% ​​​​​​​0.60% M Day In/Day Out

*APY = Annual Percentage Yield
**There may be a penalty for early withdrawal for:

1.  Early withdrawal or
2.  Not maintaining a minimum balance

Rates Effective October 1, 2025

Certificates
Effective Date: October 1, 2025
TypeMinimum DepositDividend RateAPYDividend PeriodTerm**
Share Certificates $500 3.00% 3.04% M 6 months**
Share Certificates $500 3.69% 3.75% M 1 year**
Share Certificates $500 3.69% 3.75% M 2 years**
Share Certificates $500 3.70% 3.76% M 3 years**
Share Certificates $500 3.70% 3.76% M 4 years**
Share Certificates $500 3.93% 4.00% M 5 years**
Jumbo Certificates *$100,000 *Add .10% to Regular Share Rates  —  — *Subject to Early Withdrawal Penalty

*May Add .10% To Regular Certificate Rate
**Subject to early withdrawal penalty

Rates Effective October 1, 2025

Loan Rates

Vehicle Loans
Effective Date: October 1, 2025
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-36 Months 2.99% 3.24% 3.74% 4.04% 12.74% 13.84%
37-48 Months 3.24% 3.74% 4.04% 4.74% 13.84% 14.14%
49-60 Months 3.74% 4.04% 4.74% 6.24% 14.14% 14.74%
61-75 Months 4.04% 4.74% 6.24% 6.49% 14.74% 15.24%
76-84 Months 4.74% 6.24% 6.49% 6.74% 15.24% 15.74%
Rates Effective October 1, 2025

Motorcycle Loans
Effective Date: October 1, 2025
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-36 Months 7.49% 7.74% 8.09% 8.24% 14.74% 15.84%
37-48 Months 7.74% 8.09% 8.24% 8.49% 15.84% 16.14%
49-60 Months 8.09% 8.24% 8.49% 8.74% 16.14% 16.75%
Rates Effective October 1, 2025

New and Used Camper/RV Loans
Effective Date: October 1, 2025
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-180 Months 8.49% 9.09% 9.29% 10.25% 16.74% 17.74%
Rates Effective October 1, 2025

New and Used Boat Loans
Effective Date: October 1, 2025
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-120 Months 8.49% 9.09% 9.29% 10.25% 16.74% 17.74%
Rates Effective October 1, 2025

New and Used Farm Equipment Loans
Effective Date: October 1, 2025
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*
0-120 Months 6.99% 7.24% 7.49% 7.74% 16.74%
Rates Effective October 1, 2025

Share Secured Loans
Effective Date: October 1, 2024
*APR = Annual Percentage Rate
Term*APR
0-36 Months 3.25%
37-72 Months 5.25%
Rates Effective October 1, 2025

CD Secured Loans
Effective Date: October 1, 2025
*APR = Annual Percentage Rate
*APR
2.5% Over CD Rate
Rates Effective October 1, 2025

Signature Loans
Effective Date: October 1, 2025
AmountRate
Up to $25,000 As Low As 9.90%
Rates Effective October 1, 2025

Visa Card Loans
Effective Date: October 1, 2025
TypeRateAmount
Visa Platinum 13.9% $5,000
Platinum Plus 11.9% $10,000
Certificate Secured Visa 6.5% Certificate $
Feel Free 8.9% $10,000
Rates Effective October 1, 2025

Home Equity Rates
Effective Date: October 1, 2024
NameTermA+ Credit*A Credit*B Credit*C Credit*D Credit*
1st Lien   Homestead 5 Years 6.25% 6.50% 6.75% 7.00% 7.50%
  10 Years 6.50% 6.75% 7.00% 7.50% 7.75%
  15 Years 6.75% 7.00% 7.50% 7.75% 8.00%
  20 Years 7.00% 7.50% 7.75% 8.00% 8.25%
  30 Years 7.50% 7.75% 8.00% 8.25% 8.50%
2nd Lien   Homestead 5 Years 7.00% 7.50% 7.75% 8.00% 8.25%
  10 Years 7.50% 7.75% 8.00% 8.25% 8.50%
  15 Years 7.75% 8.00% 8.25% 8.50% 8.75%
  20 Years 8.00% 8.25% 8.50% 8.75% 9.00%

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