current rates

Savings Rates          Loan Rates

savings rates

last dividend declaration date: November 17, 2025

^*APY = Annual Percentage Yield. Rates are subject to change without prior notification. Fees may reduce earnings.

^**$100 minimum balance to avoid a service fee. Minimum shares balance fee will be charged on aggregate savings balances of <$100 and no other services. The minimum shares balance fee is waived if the member has any different additional account under the same membership, and for primary account holders under the age of 18.

^***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.

^*APY = Annual Percentage Yield. Rates are subject to change without prior notification. Fees may reduce earnings.

^*APY = Annual Percentage Yield. Rates are subject to change without prior notification. Fees may reduce earnings.

^*APY = Annual Percentage Yield. Fees may reduce earnings. Federally insured by the NCUA.

^**APY = Annual Percentage Yield. APY is accurate as of  October 13, 2025. Fees may reduce earnings. To receive the promotional rate of 3.90% APY, the 9-month CD must be opened with a minimum of $500. Rates are subject to change without prior notification. Penalties will apply for withdrawal before the maturity date of the CD. Dividends are posted monthly. Limited-time offer. Federally insured by the NCUA.

^***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.

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loan rates

Current Mortgage Rates

^*APR = Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Regular monthly payments will be determined based on the rate, term selected, and individual loan amount. Payment Example: $100,000 at 4.375% is a monthly principal and interest payment of $499.29. or $4.99 for each $1,000.00 borrowed. This is based on a loan-to-value ratio of 80% and 20% down.

^**APR = Annual Percentage Rate. The promotional period begins March 1, 2025. The introductory rate applies to new Home Equity Lines of Credit (HELOC) only. The rate offered will depend on the applicant's creditworthiness. All rates are subject to applicable loan term limits, and certain restrictions may apply. For full promotional details, click here.

^*APR = Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Payment Example: $20,000 at 6.25% APR for 60 months equals $389.03 per month. 60-month financing requires a minimum loan amount of $5,000. 61-72-month financing requires a minimum loan amount of $15,000. 73-84-month financing requires a minimum loan amount of $20,000.

^*APR = Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Payment Example: $20,000 at 6.75% for 84 months equals $299.47 monthly. 84-month financing requires a minimum loan amount of $5,000. 85-120-month financing requires a minimum loan amount of $35,000. >120 months of financing requires a minimum loan amount of $50,000.

^*APR = Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Payment Example: $12,000 at 6.75% for 48 months equals $476.65 monthly. 48-month financing requires a minimum loan amount of $5,000. 49-60-month financing requires a minimum loan amount of $10,000. 72-month financing requires a minimum loan amount of $15,000.

^*APR = Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Payment Example: $5,000 at 9.25% for 24 months equals $229.02 monthly. 24-month financing requires a minimum loan amount of $2,000. The Maximum Personal Loan amount is $50,000.

^*APR = Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Regular monthly payments will be determined based on the rate, term selected, and individual loan amount. Payment Example: $100,000 at 4.375% is a monthly principal and interest payment of $499.29. or $4.99 for each $1,000.00 borrowed. This is based on a loan-to-value ratio of 80% and 20% down.

^**APR = Annual Percentage Rate. After the six-month introductory period, the rate is the same as the purchase rate. There are no Balance Transfers or Cash Advance fees. Foreign Transaction Fees are 1.00% of each transaction in US Dollars. If you are charged interest, the charge will be no less than $1.00. Late Payment Fees are up to $29.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles after the initial payment, you will be charged $40.00 or the amount of the minimum payment, whichever is less.  All rates are variable, based on Prime Rate. Actual APR based on credit history. Subject to credit approval. Rates are subject to change without notice. 0.00% Introductory APR for 12 billing cycles from the date of account opening of balance transfers. After that, the standard APR will be 9.99% to 15.99%, depending on your credit history. 

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