Account and Loan Rates
Rates last updated June 2026. For any questions, contact our friendly team.
Deposit Rates
Savings Account
.01% APY*
Minimum balance: $10
.025% APY*
Minimum balance: $5,000
Youth Savings Account
.01% APY*
Minimum balance: $10
.025% APY*
Minimum balance: $5,000
Vacation Club
.01% APY*
Minimum balance: $0
Christmas Club
.05% - .10% APY*
Rate depends on account balance
Kasasa Saver
.25% APY*
Balance: $.01-$50,000
.15%-.25% APY*
Balance: $50,000+
.01% APY*
Non-qualifying
Kasasa Cash Checking
5.00% APY*
Balance: $.01-$25,000
1.00%-1.12% APY*
Balance: $25,000+
.01% APY*
Non-qualifying
Premiere Money Market
.05% APY*
Minimum balance: $2,000
IRA Savings
.15% APY*
Minimum balance: $0
6-Month Certificate
.10% APY*
Balance: $2,000-$99,999
.20% APY*
Balance: $100,000+
1-Year Certificate Special
3.75% APY*
Special offer; minimum balance: $2,000
2-Year Certificate
.25% APY*
Balance: $2,000-$99,999
.50% APY*
Balance: $100,000+
3-Year Certificate
.30% APY*
Balance: $2,000-$99,999
.60% APY*
Balance: $100,000+
5-Year Certificate
.35% APY*
Balance: $2,000-$99,999
.70% APY*
Balance: $100,000+
Youth Certificate
.10% APY*
6-month term; minimum balance $1,000
.15% APY*
1-year term; minimum balance $1,000
.25% APY*
2-year term; minimum balance $1,000
.30% APY*
3-year term; minimum balance $1,000
.35% APY*
5-year term; minimum balance $1,000
IRA Certificate
.10% APY*
6-month term
.15% APY*
1-year term
.25% APY*
2-year term
.30% APY*
3-year term
.35% APY*
5-year term
Loan Rates (as low as)
Personal Loans and Lines
Personal (EZ) Line of Credit
3.5% + Prime (variable based on Prime)
Personal Loan
9.99% APR**
Secured Loan
2% above your savings or certificate rate
Empower Loan
17.99% APR**
Rescue Loan
26% APR**
Vehicle Loans
Autos (Newer Models)¹
4.99% APR**
Autos (Older Models)²
8.49% APR**
Boat, RV & Motorcycle Loans
New Loan (model year 2020 and newer)
4.99% APR**
Used Loan (model year 2019 and older)
8.49% APR**
Home Loans and Lines
Mortgages
Rates change daily; please contact us for rates
Home Equity Loan
Rates change daily; please contact us for rates
Home Equity Line of Credit (HELOC)
Rates change daily; please contact us for rates
Visa Credit Cards
Visa Platinum Credit Card
8.9% APR**
Visa Rewards Credit Card
9.9% APR**
Visa Secured Credit Card
18% APR**
Student Loans and Lines
Private Student Loans
Please ask us for details
Education Expense Line of Credit
9.99% APR**
¹< 6 years < 85,000 miles
²> 6 years > 85,000 miles