Deposit rates

Share Savings Accounts

Effective 11/23/22
Account type
Rate
APY
Min. deposit to open
0.65%
0.65%
$5
0.65%
0.65%
$0
1.55%
1.56%
$250
0.65%
0.65%
$25
0.65%
0.65%
$25

APY: Annual Percentage Yield

Checking Accounts

Effective 11/23/22
Account type
Rate
APY
Min. deposit to open
0.15%
0.15%
None

APY: Annual Percentage Yield

Share Term Certificates

Effective 11/23/22
Account type
Rate
APY
Term
Min. deposit to open
1.75%
1.75%
6 months
$250
1.85%
1.85%
12 months
$250
1.95%
1.95%
18 months
$250
2.05%
2.05%
24 months
$250
2.20%
2.20%
30 months
$250
2.35%
2.35%
36 months
$250
2.65%
2.65%
48 months
$250
3.00%
3.00%
60 months
$250

Dividend Rates Information
Dividend rates on Share Term Certificates have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. Please call your local branch for current rates.

APY: Annual Percentage Yield

Individual Retirement Accounts (IRA)

Effective 11/23/22
Account type
Rate
APY
1.85%
1.87%
1.85%
1.87%
1.85%
1.87%

Dividend Rates Information
Dividend rates on IRAs have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. Please call your local branch for current rates.

APY: Annual Percentage Yield

Coverdell Education Savings Account

Effective 11/23/22
Account type
Rate
APY

APY: Annual Percentage Yield

Health Savings Account

Effective 11/23/22
Account type
Rate
APY

APY: Annual Percentage Yield

Mortgage rates

Adjustable Rate Mortgages (ARM)

Effective 11/1/22
Account type
Rate
APR*
Term
5.900%
6.506%
30 Years
5.900%
6.506%
30 Years
5.700%
6.127%
30 Years
5.500%
5.745%
30 Years

*APR: Annual Percentage Rate

Fixed-Rate Mortgages

Effective 11/1/22
Account type
Rate
APR*
Term
5.925%
6.145%
10 Years
6.125%
6.346%
10 Years
6.125%
6.282%
15 Years
6.425%
6.583%
15 Years
6.700%
6.828%
20 Years
7.250%
7.381%
20 Years
7.000%
7.099%
30 Years

*APR: Annual Percentage Rate

Loan rates

Auto Loans

Effective 12/1/22
Account type
APR*
Term
5.25%
Up to 36 Months
5.75%
37 to 60 Months
6.25%
61 to 72 Months
7.50%
73 to 96 Months
6.50%
Up to 72 Months

Rates are subject to change without notice. Please check with a branch office for current rates. 

New vehicle is defined as prior, current or upcoming year model with 10,000 miles or less. May finance loan-to-value of 100% of MSRP plus an additional 10% for purchase-related expenses such as tax, tags and extended warranties.

Used vehicle may not be older than 10 years or have mileage in excess of 150,000 at time of loan origination. Vehicles that meet either of the following conditions are limited to a maximum term of 48 months: Model years between 6 and 10 years old, or mileage that exceeds 100,000 up to maximum of 150,000. May finance 100% of the NADA value, plus an additional 10% to cover other purchase-related expenses such as tax, tags and extended warranties.

*APR: Annual Percentage Rate

Credit Cards

Effective 12/1/22
Account type
APR*

Rates are subject to change without notice. Please check with a branch for current rates.

*APR: Annual Percentage Rate

Home Equity Line of Credit (HELOC)

Effective 12/1/22
Account type
APR*
4.00%

Initial/opening rates are subject to change without notice. Please check with a branch for current rates.

*APR: Annual Percentage Rate

Personal Loans

Effective 12/1/22
Account type
APR*
Term
10.75%
Varies
5.00%
Up to 24 Months
5.50%
25 to 48 Months
8.75%
49 to 120 Months
6.50%
6 Months

Rates are subject to change without notice. Please check with a branch for current rates.

*APR: Annual Percentage Rate

Salary Advance Loan (SALO)

Effective 12/1/22
Account type
APR*
Term

*APR: Annual Percentage Rate. Rate subject to change. The APR cannot increase by more than 1% each quarter over the previous quarter and cannot exceed 18%. The APR is calculated by adding the index rate to the loan margin. When the Salary Advance Cash Account balance is at least $500, the loan margin is 5.25%. When the Salary Advance Cash Account balance is less than $500, the loan margin is 11.75%. The index rate is the 26-week Treasury Bill Rate set at the first auction held on or after the 15th day of the second month of the previous quarter adjusted up to the nearest ¼%. The index rate cannot be less than 0.25%.