Rates

Savings Rates Money Market Rates Checking Rates Certificate Rates Auto Loan Rates RV and Boat Loan Rates Motorcycle Loan Rates Home Loan Rates Personal Loan Rates Credit Card Rates

Savings Accounts

Primary Savings Account	0.10% APY
High Yield Savings Account³	1.70% APY
Secondary Savings Account¹	0.10% APY
IRA Savings Account²	0.15% APY
Holiday Savings Account⁴	0.15% APY
Vacation Club Account⁴	0.10% APY

^{*APY = Annual Percentage Yield.

1}Transfer Limits
²IRA Withdrawal Limts Apply
³Rate is variable and subject to change. No monthly service charge if your account falls below $10,000. You will not earn dividends if your account falls below $10,000. Terms and conditions of this offer are subject to change without notice. Withdrawal limitations apply. Maximum of six electronic withdrawals a month allowed per Federal Regulation D. E-statement required with a High Yield Savings Account. You will be assessed a $2 fee per month if you opt-out or cancel your E-Statement service. (IRA/Roth IRA High-Yield Savings notice: withdrawal limits apply and may be subject to IRS penalties. Consult your Tax Advisor for guidance.)
⁴Minimum opening deposit of $10.00. Unlimited additional deposits. Minimum add-on amount of $10.00 per month. No withdrawals allowed. Renewed automatically. Convertible feature not available.

Money Market Account¹

$0 - $2,499.99	0.10% APY
$2,500 - $4,999.99	0.50% APY
$5,000 - $9,999.99	1.10% APY
$10,000 +	1.70% APY

^{*APY = Annual Percentage Yield.

1}Withdrawal and Transfer Limits Apply

Checking Account Rates

Best Free Checking ($0 - $2,499.99)¹	0.00% APY
Best Free Checking ($2,500.00 +)¹	0.01% APY
Clean Start Checking¹	0.00% APY

^{*APY = Annual Percentage Yield.

1}No Transfer Limits

Certificate Rates**

6 Months¹	4.75% APY
1 Year¹	4.25% APY
18 Months¹	5.10% APY
2 years¹	3.50% APY
3 Years¹	3.25% APY

^{*APY = Annual Percentage Yield.}

**Name Your Own Term. You can set your certificate with a term that best suits your needs. The term must be set in full-month increments and cannot be less than 6 months or greater than 4 years. The rate you receive is the same as the rate of the certificate preceding it. For example, a 10 month certificate will earn the 6-month rate and a 40-month certificate will would earn the 3-year rate.

1. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all certificate accounts, the dividend rate and APY are fixed and will be in effect for the term of the account. The APY is based on an assumption that dividends will remain on deposit until maturity. A withdrawal will reduce earnings. Fees could reduce earnings on the account.

Certificate of Deposit Minimum Opening Deposits:
6 Month Savings Certificate: $1,000
1 Year Savings Certificate: $500
18 Month Savings Certificate: $500
2 Year Savings Certificate: $500
3 Year Savings Certificate: $500

Auto Loan Rates

New and Used Models 2018 and Newer
Up to 36 Months	6.24% APR*
Up to 48 Months	6.59% APR*
New and Used Models 2020 and Newer
Up to 66 Months	6.74% APR*
Up to 75 Months	7.29% APR*
Used Models 2017
Up to 36 Months	11.40% APR*

*APR = Annual Percentage Rate. APR quoted "as low as" and are subject to change. Must qualify for the lowest rate. Payments on an Auto Loan of $15,000 financed at 6.24% APR for 36 months would be $457.96 per month or $30.53 per $1,000 borrowed. The term of repayment affects the monthly payment obligation.

RV and Boat Loan Rates

Models 2018 and Newer
Up to 72 Months	9.55% APR*
Up to 120 Months	10.55% APR*
Models 2020 and Newer
Up to 144 Months	11.55% APR*

*APR = Annual Percentage Rate. APR quoted "as low as" and are subject to change. Must qualify for the lowest rate. Payments on a Boat or RV Loan of $15,000 financed at 9.55% APR for 72 months would be $274.50 per month or $18.30 per $1,000 borrowed. The term of repayment affects the monthly payment obligation.

Motorcycle Loan Rates

New Models 2022 and Newer
Up to 60 Months	9.10% APR*
Used Models 2019 - 2021
Up to 48 Months	11.20% APR*

*APR = Annual Percentage Rate. APR quoted "as low as" and are subject to change. Must qualify for the lowest rate. Payments on an Motorcycle Loan of $15,000 financed at 9.10% APR for 60 months would be $312.10 per month or $20.80 per $1,000 borrowed. The term of repayment affects the monthly payment obligation.

Home Loan Rates

Mortgages	Rate
Terms vary by Product	Rates Vary Daily
Home Equity Line of Credit	Rate
Terms vary	Variable

Personal Loan Rates

Signature & Lifestyle Loans
Up to 12 Months	8.24% APR*
Up to 24 Months	9.74% APR*
Up to 36 Months	10.24% APR*
Up to 48 Months	11.74% APR*
Up to 60 Months	14.74% APR*
Savings Certificate Secured Loan
Up to 36 Months**	4.00% APR*
Line of Credit
Variable	13.00% APR*
Cash Advance Loan
Monthly, Semi-Monthly, Weekly or Semi-Weekly Terms	18.00% APR*

*APR = Annual Percentage Rate. APR quoted "as low as" and are subject to change. Must qualify for the lowest rate. Payments on a Personal Loan of $5,000 financed at 7.24% APR for 12 months would be $433.19 per month or $86.63 per $1,000 borrowed. Payments are due on the 25th of the month.
**APR for this type of loan is 2% above Account Dividend Rate up to 36 months with a floor rate of 4.00%.

Credit Card Rates

VISA® Gold Credit Card	7.90% APR*
VISA® Classic Credit Card	11.90% APR*
VISA® Savings Secured Credit Card	13.90% APR*
VISA® Starter Credit Card	17.90* APR*

*APR = Annual Percentage Rate. APR quoted "as low as" and are subject to change. Must qualify for the lowest rate.
±View more VISA® disclosures here.

Rates effective as of April 15, 2024.