Financial Accounts
Share (Savings) Account
RATE
$50.00 to unlimited
0.10%
Money Market Account
Maximum 6 withdrawals/month
RATE
APY
$2,500.00
minimum to earn APY
0.25%
0.25%
$10,000.00
minimum to earn APY
0.30%
0.30%
$25,000.00
minimum to earn APY
0.50%
0.50%
$50,000.00
minimum to earn APY
0.75%
0.75%
HD (Rewards) Checking
No monthly fee | Monthly qualifications
RATE
APY
$75,000.00 Maximum
2.00%
2.02%
HD Plus (Rewards) Checking
No monthly fee | Monthly qualifications
RATE
APY
$75,000.00 Maximum
3.00%
3.04%
Regular Checking
No minimum balance No monthly fee
RATE
APY
0.00%
0.00%
Christmas & Vacation Clubs
RATE
$1.00 to unlimited
0.10%
0.10%
IRA's
Regular Rates
RATE
APY
1 Year Certificate
1.50%
1.51%
18 Month Certificate
1.75%
1.76%
3 Year Certificate
1.75%
1.76%
5 Year Certificate
2.25%
2.27%
1 Year Educational
1.50%
1.51%
Accumulative
0.25%
0.25%
Certificates
Minimum deposit $1,000.00/Rates & Terms vary
RATE
APY
$1,000.00
(3 month)
0.75%
0.75%
$1,000.00
(6 month)
1.25%
1.26%
$1,000.00
(12 month)
1.50%
1.51%
$1,000.00
(24 month)
1.75%
1.76%
$1,000.00
(36 month)
1.75%
1.76%
$1,000.00
(48 month)
2.00%
2.02%
$1,000.00
(60 month)
2.25%
2.27%
>SPECIAL CD<
$1,000.00 (9 Months)
2.00%
2.02%
>SPECIAL CD<
$1,000.00 (15 Months)
4.00%
4.06%
Loan Rates
Personal Signature
RATE
5 year max. term
9.99%*
*The rate listed is based on the applicant’s credit worthiness and may vary from that shown above.
Vehicle Loans
As Low As
Up to 84 months
4.99%*
Auto Options
36-72 months up to 120% LTV
36-72 months up to 120% LTV
5.49%*
*The rate listed is based on the applicant’s credit worthiness and may vary from that shown above.
Home Equity Loans
As Low As
up to 80%
81-100%
Fixed – Up to 5 Years
5.75%
5.75%
Fixed – Up to 10 years
5.75%
5.75%
Fixed – Up to 15 years
6.49%
6.49%
Fixed – Up to 20 years
6.99%
6.99%
Variable – Up to 15 years
7.50%
7.50%
Index: Prime Rate + Margin
Application fee: $50
Closing fee: $100
Application fee: $50
Closing fee: $100
Share Secured Loan
3.99%
Credit Cards
VISA UChoose Rewards Credit Card
12.49%
VISA Traditional Credit Card
9.90%
Mortgages
Rates and fees are available through the loan department
Rates & fees are effective as of 01/30/2025 and are subject to change at any time.
Deposit rates are expressed as Annual Percentage Yields. Loan rates are expressed as Annual Percentage Rates.
*Rate is based on credit worthiness.
