Consumer Loan Rates
Checking & Savings Account Rates
Consumer Loan Rates
- Credit Card Rates
Enjoy everyday purchasing power with our competitive credit union credit card rates, providing you with flexibility and value in every swipe. Keep your finances in check while enjoying a card that works as hard as you do.
Card Type Annual Percentage Rate* (as low as) Visa Platinum Low Rate 12.49% APR* Visa Platinum Rewards 13.49% APR* *APR = Annual Percentage Rate are based on credit worthiness and prime rate. Your APR will vary with the market based on the Wall Street Journal prime rate.
- Personal Loan Rate
Whether you’re planning a major purchase or handling unexpected expenses, our credit union personal loan rates are here to help you reach your goals with affordable, flexible financing options.
Description Annual Percentage Rate* (as low as) Personal Loan 9.99% APR* * APR = Annual Percentage Rate. Debt consolidation available only for loans financed by institutions other than SAFE. Proof of address and verification of income are required. Minimum loan amount is $250. Payment Example: for $10,000 at 7.99% APR for 60 months your payment would be $203/month. All loans are subject to creditworthiness and credit approval. Maximum unsecured loan limits apply. Conditions and terms are subject to change without notice.
- Other Consumer Loan Rates
Description Term (in months) Annual Percentage Rate* (as low as) Share Secured 36 Share rate plus 3% APR* Share Certificate 36 CD rate plus 3% APR* Checking Overdraft Open Ended ($15,000 max. loan) 17.95% APR* * APR = Annual Percentage Rate. Subject to member credit approval. Rate is determined by credit score and term. Personal loan payment example: on a $7,500 personal loan at 9.99% APR for 60 months, your payment would be $153/month. Overdraft Protection loan payments are equal to 4% of the balance and a minimum payment amount of $20/month. Share certificate and share secured loans payment example: on a $5,500 share certificate/secured loan at 3.20% APR for 36 months, your payment would be $73/month. Conditions and terms are subject to change without notice.
Mortgage Loan Rates
- Mortgage Rates
Find a place to call your own with our attractive credit union mortgage rates, crafted to make homeownership more affordable. Start your journey with rates that support your dreams of settling into the perfect space.
Description Interest Rate (as low as) Annual Percentage Rate* (as low as) 30-Year Fixed 6.50% 6.603% APR* 10-Year Fixed 5.75% 5.972% APR* 30-Year Construction to Permanent 7.00% 7.439% APR* 5/1 ARM 5.50% 6.403% APR* Freedom 15 6.375% 6.460% APR* HELoan 15 7.875% 7.900% APR* *APR= Annual Percentage Rate. Loans are subject to credit union membership, eligibility and verification of information provided on the application. Some restrictions apply. All loans subject to credit approval. For fixed-rate mortgages, Annual Percentage Rates (APRs) are not subject to increase after consummation. An example of a typical 30-year fixed rate mortgage with a down payment of 20% is as follows: a loan amount of $250,000 with a note rate of 6.625% with an APR of 6.667% would result in a monthly principal and interest payment of $1,600.78. The stated monthly payment amount does not include taxes or insurance costs. If an escrow account is required, your actual monthly payment will also include amounts for real estate taxes, homeowner's insurance premiums, and/or Private Mortgage Insurance (PMI), therefore your payment amount will be higher than the example given. Terms and conditions are subject to change at any time without prior notice.
Auto Loan Rates
- New and Used Auto Loan Rates
Hit the road with confidence, knowing our credit union auto loan rates are designed to keep your journey affordable. Discover competitive rates that make car ownership accessible and stress-free.
Description Term (in months) Annual Percentage Rate* (as low as) 2023 and Newer 12-36 months 4.24% APR* 2023 and Newer 37-60 months 4.99% APR* 2023 and Newer 61-75 months 5.24% APR* 2023 and Newer 76-84 months ($30,000 min. loan) 6.74% APR* 2020-2022 60 months 6.24% APR* 2020-2022 61-75 months 6.49% APR* 2020-2022 76-84 months ($30,000 min. loan) 6.49% APR* 2017-2019 60 months 6.49% APR* 2015-2016 54 months 7.49% APR* 2014 and Older 42 months 9.24% APR* * APR = Annual Percentage Rate. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Minimum loan amount is $5,000. Rate is determined by credit score, term, and vehicle model year. Payment example: on a $35,000 auto at 5.49% APR for 60 months, your payment would be $670/month. On a $35,000 auto at 6.24% APR for 84 months, your monthly payment would $520/ month. Financing up to 84 months available for qualifying vehicles. Maximum loan-to-value limits apply. Conditions and terms are subject to change without notice.
Recreational Vehicle Loan Rates
- Boat, Motor, and Trailer Loans
Set sail with ease through our credit union boat loan rates, offering affordable options to get you on the water. Explore financing designed to make your maritime adventures smooth and budget-friendly.
Description Term (in months) Annual Percentage Rate* (as low as) 2022 or Newer 84 6.50% APR* 2019 - 2021 72 7.50% APR* 2014 - 2018 60 8.00% APR* 2013 & Older 48 8.00% APR* *APR= Annual Percentage Rate. Subject to member credit approval. Rate is determined by credit score, term, and model year of vehicle. Payment example: on a $15,000 loan at 5.50% APR for 60 months, your payment would be $287/month. Conditions and terms are subject to change without notice
- Motorcycle Loans
Feel the thrill of the open road with our competitive credit union motorcycle loan rates. Get behind the handlebars with financing that fuels your passion without breaking the bank.
Description Term (in months) Annual Percentage Rate* (as low as) 2022 or Newer 84 6.50% APR* 2019 - 2021 72 7.50% APR* 2014 - 2018 60 8.00% APR* 2013 & Older 48 8.00% APR* *APR= Annual Percentage Rate. Subject to member credit approval. Rate is determined by credit score, term, and model year of vehicle. Payment example: on a $15,000 loan at 5.50% APR for 60 months, your payment would be $287/month. Conditions and terms are subject to change without notice
- Off-Road Vehicle Loans
Embrace the rugged outdoors with our credit union off-road vehicle loan rates, tailored for those who seek adventure off the beaten path. Finance your next ride with rates that support your drive for excitement.
Description Term (in months) Annual Percentage Rate* (as low as) 2022 or Newer 60 7.50% APR* 2021 or Older 48 8.00% APR* *APR= Annual Percentage Rate. Subject to member credit approval. Rate is determined by credit score, term, and model year of vehicle. Payment example: on a $15,000 loan at 5.50% APR for 60 months, your payment would be $287/month. Conditions and terms are subject to change without notice.
- RV/Camper Loans
Ready for adventure? Our credit union RV loan rates make it easier to hit the road and explore in comfort. Enjoy competitive rates that bring the freedom of the open road within reach.
Description Term (in months) Annual Percentage Rate* (as low as) 2022 or Newer 84 7.00% APR* 2019 - 2021 84 7.50% APR* 2014 - 2018 72 8.00% APR* 2013 & Older 60 8.50% APR* *APR= Annual Percentage Rate. Subject to member credit approval. Rate is determined by credit score, term, and model year of vehicle. Payment example: on a $15,000 loan at 5.50% APR for 60 months, your payment would be $287/month. Conditions and terms are subject to change without notice.
Certificate Rates
- Youth Investment Certificates
Description Term (in months) Minimum to Open Minimum to Earn Dividends Annual Percentage Yield* (as high as) Millionaires of Tomorrow (Ages 0-12) 12 $100 $100 2.15% APY* Y Account (Ages 13-17) 12 $500 $500 2.15% APY* U29 Account (Ages 18-29) 12 $500 $500 2.15% APY* *Rates are subject to change at any time without notice. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Early withdrawal penalties may apply. Certificate rates are fixed for the term of the account. Other restrictions may apply. APY = Annual Percentage Yield.
- Easy Street Account Certificate (Ages 50+)
Deposit Amount Term (in months) Minimum to Open Minimum to Earn Dividends Annual Percentage Yield* (as high as) Up to $50,000 24 $1,000 $1,000 2.20% APY* $50,000+ 24 $1,000 $1,000 2.25% APY* $100,000+ 24 $1,000 $1,000 2.35% APY* **Rates are subject to change at any time without notice. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Early withdrawal penalties may apply. Certificate rates are fixed for the term of the account. Other restrictions may apply. APY = Annual Percentage Yield.
- Share Investment Certificate
Deposit Amount Term (in months) Minimum to Open Minimum to Earn Dividends Annual Percentage Yield* (as high as) Up to $50,000 3 $1,000 $1,000 0.75% APY* $50,000+ 3 $1,000 $1,000 0.80% APY* $100,000+ 3 $1,000 $1,000 0.90% APY* Up to $50,000 6 $1,000 $1,000 3.85% APY* $50,000+ 6 $1,000 $1,000 3.90% APY* $100,000+ 6 $1,000 $1,000 4.00% APY* **Rates are subject to change at any time without notice. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Early withdrawal penalties may apply. Certificate rates are fixed for the term of the account. Other restrictions may apply. APY = Annual Percentage Yield.
- Investment Certificate
Deposit Amount Term (in months) Minimum to Open Minimum to Earn Dividends Annual Percentage Yield* (as high as) Up to $50,000 12 $1,000 $1,000 2.10% APY* $50,000+ 12 $1,000 $1,000 2.15% APY* $100,000+ 12 $1,000 $1,000 2.25% APY* Up to $50,000 18 $1,000 $1,000 2.35% APY* $50,000+ 18 $1,000 $1,000 2.40% APY* $100,000+ 18 $1,000 $1,000 2.50% APY* Up to $50,000 24 $1,000 $1,000 2.10% APY* $50,000+ 24 $1,000 $1,000 2.15% APY* $100,000+ 24 $1,000 $1,000 2.25% APY* Up to $50,000 36 $1,000 $1,000 1.10% APY* $50,000+ 36 $1,000 $1,000 1.15% APY* $100,000+ 36 $1,000 $1,000 1.25% APY* Up to $50,000 48 $1,000 $1,000 1.00% APY* $50,000+ 48 $1,000 $1,000 1.05% APY* $100,000+ 48 $1,000 $1,000 1.15% APY* Up to $50,000 60 $1,000 $1,000 0.95% APY* $50,000+ 60 $1,000 $1,000 1.00% APY* $100,000+ 60 $1,000 $1,000 1.10% APY* **Rates are subject to change at any time without notice. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Early withdrawal penalties may apply. Certificate rates are fixed for the term of the account. Other restrictions may apply. APY = Annual Percentage Yield.
- Special Rate Share Certificates
Deposit Amount Term (in months) Minimum to Open Minimum to Earn Dividends Annual Percentage Yield* (as high as) Up to $250,000 9 $1,000 $1,000 3.25% APY* Up to $50,000 6 $1,000 $1,000 3.85% APY* $50,000+ 6 $1,000 $1,000 3.90% APY* $100,000+ 6 $1,000 $1,000 4.00% APY* **Limited time offer share certificate. Additional conditions and restrictions apply and are subject to change. Maximum deposit $250,000 per certificate. Click the link to see the Truth-in-Savings Disclosures and Additional Account Terms and Conditions for: 9- month Special Rate Share Certificates.
- IRA Certificate
Deposit Amount Term (in months) Minimum to Open Minimum to Earn Dividends Annual Percentage Yield* (as high as) Up to $50,000 12 $1,000 $1,000 2.10% APY* $50,000+ 12 $1,000 $1,000 2.15% APY* $100,000+ 12 $1,000 $1,000 2.25% APY* Up to $50,000 18 $1,000 $1,000 2.35% APY* $50,000+ 18 $1,000 $1,000 2.40% APY* $100,000+ 18 $1,000 $1,000 2.50% APY* Up to $50,000 24 $1,000 $1,000 2.10% APY* $50,000+ 24 $1,000 $1,000 2.15% APY* $100,000+ 24 $1,000 $1,000 2.25% APY* Up to $50,000 36 $1,000 $1,000 1.10% APY* $50,000+ 36 $1,000 $1,000 1.15% APY* $100,000+ 36 $1,000 $1,000 1.25% APY* Up to $50,000 48 $1,000 $1,000 1.00% APY* $50,000+ 48 $1,000 $1,000 1.05% APY* $100,000+ 48 $1,000 $1,000 1.15% APY* Up to $50,000 60 $1,000 $1,000 0.95% APY* $50,000+ 60 $1,000 $1,000 1.00% APY* $100,000+ 60 $1,000 $1,000 1.10% APY* **Rates are subject to change at any time without notice. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Early withdrawal penalties may apply. Certificate rates are fixed for the term of the account. Other restrictions may apply. APY = Annual Percentage Yield.
Checking and Savings Account Rates
- Savings Account Rates
Description Minimum Deposit Minimum to Earn Dividends Annual Percentage Yield* (as high as) Regular Savings $5.00 $0.01 0.10% APY* Flexible Savings $1.00 $0.01 0.15% APY* Holiday Club $1.00 $0.01 0.25% APY* IRA Accumulator $1.00 $0.01 0.15% APY* Coverdell Education Savings $1.00 $0.01 0.15% APY* Millionaires of Tomorrow Youth Account (Ages 0-12) $5.00 $0.01 0.10% APY* Y Account (Ages 13-17) $5.00 $0.01 0.10% APY* U29 Account (Ages 18-29) $5.00 $0.01 0.10% APY* Health Savings Account (HSA) $0.00 $0.01 0.10% APY* *Rates are subject to change at any time without notice. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Other restrictions may apply. APY = Annual Percentage Yield.
- Checking Account Rates
Description Minimum Suggested Deposit Minimum to Earn Dividends Annual Percentage Yield* (as high as) Regular Checking $25.00 $500.00 0.05% APY* PowerUp Checking $25.00 $0.01 3.00% APY* Y Account Checking $25.00 $500.00 0.05% APY* U 29 Checking $25.00 $500.00 0.05% APY* Health Savings Account (HSA) $25.00 $500.00 0.05% APY* **Rates are subject to change at any time without notice. APY = Annual Percentage Yield.
- Money Market Account Rates
Deposit Tiers Annual Percentage Yield* (as high as) $0.01 - $25,000 0.50% APY* $25,000.01 - $50,000 0.85% APY* $50,000.01 - $100,000 1.65% APY* $100,000.01 - $250,000 2.30% APY* $250,000.01 - $500,000 2.45% APY* $500,000 + 2.70% APY* **Rates are subject to change at any time without notice. APY = Annual Percentage Yield.