INTEREST RATES

APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Interest Reward Checking

Balance Minimum Required Opening Deposit Rate APY
$0 - $10,000 $100 2.96% 3.00%
$10,000+ $100 0.25% 3.00% to 0.50%
All balances if earnings are not met $100 0.01% 0.01%

Earnings

Earning the full reward is so easy, you’re probably already doing it!
To earn your reward, simply do the following activities and transactions in your Interest Reward account each monthly qualification cycle:

  • Have at least 11 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements

If you don’t meet the earnings one month, don’t worry. There is no penalty, and you still have a free checking account that earns our base interest rate.
Plus, you can get back to earning really high interest the very next month. Rate may change after account is opened.

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Interest Reward Saver

Balance RateAPY
$0 - $9,999.99 0.10% 0.10%
$10,000-$99,999.99 0.20% 0.20%
$100,000+ 0.30% 0.30%

Earnings

The interest rate earned is a tiered rate based upon account balances. The more you have, the more you earn!

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Auto Loans

Automobiles TermRate
2020-2021 Up to 84 months Rates as low as 2.39% APR
2019 Up to 72 months Rates as low as 2.39% APR
2018 Up to 72 months Rates as low as 2.39% APR
2017 Up to 60 months Rates as low as 3.29% APR
2015-2016 Up to 60 months Rates as low as 3.29% APR
2013-2014 Up to 60 months Rates as low as 3.79% APR
2012 & older Up to 60 months Rates as low as 4.09% APR

Rate based on borrower’s credit qualifications at stated term. Your actual APR may differ based on your credit history, approved loan amount, and term. Loan origination fee of $50. Rates are subject to change without notice. Example: $25,000 purchased vehicle loan with a $50 loan origination fee for 60 months equates to 2.42% APR and $470.44 monthly payments.

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Personal Loans

Loan Type Rate
Signature Unsecured Loan Rates as low as 7.50% APR
Signature Secured Loan Rates as low as 4.75% APR
Certificate Secured Loan 2.00% to 4.00% above the certificate rate

Rate based on borrower’s credit qualifications at stated term. Your actual APR may differ based on your credit history, approved loan amount, and term. Loan origination fee of 2% or maximum of $100. Rates are subject to change without notice. Example: $10,000 unsecured loan with a $100 fee for 60 months equates to 7.92% APR.

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