Savings Account Rates
Savings Accounts
Rates in effect as of April 16, 2024
| Savings Account | $5 | $5 | 0.20% | 0.20% | Monthly |
Christmas Saver
Rates in effect as of April 16, 2024
| Savings Account | $25.00 | $25 | 0.20% | 0.20% | Monthly |
IRA Savings
Rates in effect as of April 16, 2024
| IRA Savings Account | $25.00 | Balances $500.00 and over | 0.20% | 0.20% | Monthly |
Money Market Account
Rates in effect as of April 16, 2024
| $0.00 - $9,999.99 | 0.40% | 0.40% | Monthly |
| $10,000.00 - $24,999.99 | 0.60% | 0.60% | Monthly |
| $25,000+ | 0.80% | 0.80% | Monthly |
Vacation Saver
Rates in effect as of April 16, 2024
| Savings Account | $25.00 | $25 | 0.20% | 0.20% | Monthly |
Checking Account Rates
Checking Accounts*
Rates in effect as of April 16, 2024
| Checking Account | $25.00 | $25.00 | Balances $1,000.00 to $25,000.00 | 2.50% | 2.53% | Monthly |
| Checking Account | $25.00 | $25.00 | Balances $25,000.01 and up | 0.50% | 0.50% | Monthly |
Share Certificate Rates
Share Certificates
Rates in effect as of April 16, 2024
| Regular or IRA | Term Deposit -3 Months | $1,000.00 | $1,000.00 | 0.75% | 0.75% | Monthly |
| Regular or IRA | Term Deposit -6 Months | $1,000.00 | $1,000.00 | 3.93% | 4.00% | Monthly |
| Smart Teen | Term Deposit -6 Months | $250.00 | $250.00 | 3.93% | 4.00% | Monthly |
| Regular or IRA | Term Deposit -12 Months | $1,000.00 | $1,000.00 | 4.41% | 4.50% | Monthly |
| Regular or IRA | Term Deposit -18 Months | $1,000.00 | $1,000.00 | 2.33% | 2.35% | Monthly |
| Regular or IRA | Term Deposit -24 Months | $1,000.00 | $1,000.00 | 2.47% | 2.50% | Monthly |
| Regular or IRA | Term Deposit -3 Years | $1,000.00 | $1,000.00 | 2.67% | 2.70% | Monthly |
| Regular or IRA | Term Deposit -4 Years | $1,000.00 | $1,000.00 | 2.76% | 2.80% | Monthly |
| Regular or IRA | Term Deposit -5 Years | $1,000.00 | $1,000.00 | 2.96% | 3.00% | Monthly |
Business Account Rates
Business Savings Features and Fees:
Rates in effect as of April 16, 2024
| Business Savings | No Monthly Fee | $5 | Some exceptions apply. See your Business Services Representative for details. | Yes | Yes |
| Business Share Certificates | No Monthly Fee | $5,000 | Some exceptions apply. See your Business Services Representative for details. | Yes | Yes |
Business Plus Checking
Rates in effect as of April 16, 2024
| Business Plus Checking Account | $25.00 | $100.00 | Balances $1,000.00 to $25,000.00 | 2.50% | 2.53% | Monthly |
| Business Plus Checking Account | $25.00 | $100.00 | Balances $25,000.01 and up | 0.50% | 0.50% | Monthly |
Business Flex Rates:
Rates in effect as of April 16, 2024
| $0.00 to $9,999.99 | 0.40% | 0.40% | Monthly |
| $10,000.00 – $24,999.99 | 0.60% | 0.60% | Monthly |
| $25,000+ | 0.80% | 0.80% | Monthly |
Business Share Certificates
Rates in effect as of April 16, 2024
| Regular | Term Deposit -3 Months | $5,000.00 | $5,000.00 | 0.75% | 0.75% | Monthly |
| Regular | Term Deposit -6 Months | $5,000.00 | $5,000.00 | 3.93% | 4.00% | Monthly |
| Regular | Term Deposit -12 Months | $5,000.00 | $5,000.00 | 4.41% | 4.50% | Monthly |
| Regular | Term Deposit -18 Months | $5,000.00 | $5,000.00 | 2.33% | 2.35% | Monthly |
| Regular | Term Deposit -24 Months | $5,000.00 | $5,000.00 | 2.47% | 2.50% | Monthly |
| Regular | Term Deposit -3 Years | $5,000.00 | $5,000.00 | 2.67% | 2.70% | Monthly |
| Regular | Term Deposit -4 Years | $5,000.00 | $5,000.00 | 2.76% | 2.80% | Monthly |
| Regular | Term Deposit -5 Years | $5,000.00 | $5,000.00 | 2.96% | 3.00% | Monthly |
*APY is Annual Percentage Yield. Account dividends are earned on the daily balance. Rates quoted and corresponding APY's are based on the last paid dividend rates and are subject to change monthly without notice and at the discretion of the Board of Directors. Balances for Smart Plus or Business Plus Checking will be paid out at 2.50% for the first $25,000.00, then 0.50% on any balance above $25,000. For Smart Plus Checking if qualifications are not met, any primary member 55 and older will receive 0.05% APY. Otherwise APY will be 0.00%. Terms and conditions subject to change. See our Truth in Savings Disclosure here.
Auto Loan Rates
Competitive Rates – New & Used Automobiles
Effective April 16, 2024 - rates as low as:
| 100% Financing | 24 Months | 5.50% |
| 100% Financing | 36 Months | 5.50% |
| 100% Financing | 48 Months | 5.50% |
| 100% Financing | 60 Months | 6.00% |
| 100% Financing | 66 Months | 6.25% |
| 100% Financing | 72 Months | 6.50% |
| 100% Financing | 78 Months | 6.75% |
| 100% Financing | 84 Months | 7.00% |
Personal Loan Rates
Personal Loans
Effective April 16, 2024 - Rates as low as:
| Personal | 60 Months | 12.00% |
| Flexible Line of Credit (Variable)* | N/A | 11.75% - 17.25% |
Mortgage Rates
Motorcycles/ATV
Motorcycles/ATV
Effective April 16, 2024 - Rates as low as:
| New & Used | 24 Months | 8.00% |
| New & Used | 36 Months | 8.00% |
| New & Used | 48 Months | 8.00% |
| New & Used | 60 Months | 8.75% |
| New & Used | 66 Months | 9.00% |
| New & Used | 72 Months | 9.25% |
Farm Equipment and Other Collateral Rates
Farm Equipment and Other Collateral
Effective April 16, 2024 - Rates as low as:
| New & Used | 24 Months | 8.50% |
| New & Used | 36 Months | 8.50% |
| New & Used | 48 Months | 8.50% |
| New & Used | 60 Months | 9.00% |
| New & Used | 66 Months | 9.50% |
| New & Used | 72 Months | 10.00% |
Share Loan Rates
Share Loans
Rates in effect as of April 16, 2024
| Monthly Payments | 60 Months | 2% Over Share |
| Single Payments | 6 Months | 2% Over Share |
| Rave Financial Certificate Loan | Same as Certificate | 2% Over CD |
Marine Loan Rates
Marine Loans
Effective April 16, 2024 - Rates as low as:
| New & Used | 24 Months | 6.00% |
| New & Used | 36 Months | 6.00% |
| New & Used | 48 Months | 6.00% |
| New & Used | 60 Months | 6.75% |
| New & Used | 66 Months | 7.00% |
| New & Used | 72 Months | 7.25% |
| New & Used | 78 Months | 7.50% |
| New & Used | 84 Months | 7.50% |
| New & Used | 120 Months | 7.75% |
| New & Used | 144 Months | 8.00% |
| New & Used | 180 Months | 8.25% |
Recreational Loan Rates
Recreational Loans
Effective April 16, 2024 - Rates as low as:
| New & Used | 24 Months | 6.00% |
| New & Used | 36 Months | 6.00% |
| New & Used | 48 Months | 6.00% |
| New & Used | 60 Months | 6.75% |
| New & Used | 66 Months | 7.00% |
| New & Used | 72 Months | 7.25% |
| New & Used | 78 Months | 7.50% |
| New & Used | 84 Months | 7.50% |
| New & Used | 120 Months | 7.75% |
| New & Used | 144 Months | 8.00% |
| New & Used | 180 Months | 8.25% |
*APR is Annual Percentage Rate. Rates disclosed may be different based on credit underwriting and/or services used. These rates reflect our best rates. All loan rates are subject to change without prior notice. Rates are updated every morning at 9:00 AM. Flexible Lines of Credit are variable rate products. Loan terms are dependent on amount financed and member/collateral. Terms and conditions subject to change. See our Truth in Savings Disclosure here.
Spend. Save. Thrive.
5.9% APR on all balance transfers for the life of the balance!
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