Rates
New Car/Motorcycle/Truck/Classics/Auto-Up*
Effective Date: Oct 1, 2025
| Credit Score | Term | APR |
|---|---|---|
| 700-800 | 24 Months | 5.050% |
| 36 Months | 5.300% | |
| 48 Months | 5.550% | |
| 60 Months | 5.800% | |
| 72 Months | 6.050% | |
| 84 Months | 6.650% | |
| 620-699 | 24 Months | 5.300% |
| 36 Months | 5.800% | |
| 48 Months | 6.000% | |
| 60 Months | 6.050% | |
| 72 Months | 6.550% | |
| 84 Months | 7.150% | |
| 580-619 | 24 Months | 5.550% |
| 36 Months | 6.300% | |
| 48 Months | 6.800% | |
| 60 Months | 7.050% | |
| 72 Months | 7.550% | |
| 84 Months | 8.150% | |
APR=Annual Percentage Rate 10% down payment may be required on 84 months loans *No discounts on the interest rate if an "Auto-Up" Loan | ||
Used Car/Motorcycle/Truck/Classics/Auto-Up*
Effective Date: Sept 1, 2025
| Credit Score | Term | APR |
|---|---|---|
| 700-800 | 24 Months | 5.300% |
| 36 Months | 5.550% | |
| 48 Months | 5.800% | |
| 60 Months | 6.050% | |
| 72 Months | 6.300% | |
| 84 Months | 6.900% | |
| 620-699 | 24 Months | 5.550% |
| 36 Months | 6.050% | |
| 48 Months | 6.250% | |
| 60 Months | 6.300% | |
| 72 Months | 6.800% | |
| 84 Months | 7.400% | |
| 580-619 | 24 Months | 5.800% |
| 36 Months | 6.550% | |
| 48 Months | 7.050% | |
| 60 Months | 7.300% | |
| 72 Months | 7.800% | |
| 84 Months | 8.400% | |
APR=Annual Percentage Rate 10% down payment may be required on 84 months loans *No discounts on the interest rate if an "Auto-Up" Loan | ||
2024-2025 New Watercraft/Recreational
Effective Date: Oct 1, 2025
Excluding Motorhomes (RVs)
| Credit Score | Term | APR |
|---|---|---|
| 700-800 | 36 Months | 6.250% |
| 48 Months | 6.500% | |
| 60 Months | 6.750% | |
| 72 Months | 7.000% | |
| 84 Months | 7.250% | |
| 620-699 | 36 Months | 6.500% |
| 48 Months | 6.750% | |
| 60 Months | 7.000% | |
| 72 Months | 7.250% | |
| 84 Months | 7.350% | |
| 580-619 | 36 Months | 7.250% |
| 48 Months | 7.750% | |
| 60 Months | 8.250% | |
| 72 Months | 8.500% | |
| 84 Months | 8.600% | |
| APR=Annual Percentage Rate | ||
Used Watercraft/Recreational
Effective Date: Oct 1, 2025
Excluding Motorhomes (RVs)
| Credit Score | Term | APR |
|---|---|---|
| 700-800 | 36 Months | 6.500% |
| 48 Months | 6.750% | |
| 60 Months | 7.000% | |
| 72 Months | 7.250% | |
| 84 Months | 7.500% | |
| 620-699 | 36 Months | 7.000% |
| 48 Months | 7.500% | |
| 60 Months | 7.750% | |
| 72 Months | 8.000% | |
| 84 Months | 8.250% | |
| 580-619 | 36 Months | 8.750% |
| 48 Months | 9.250% | |
| 60 Months | 9.750% | |
| 72 Months | 10.250% | |
| 84 Months | 10.500% | |
APR=Annual Percentage Rate Maximum Loan Amount Not To Exceed NADA Retail Value or Appraised Value | ||
2024-2025 New Motorhomes (RVs)
Effective Date: Oct 1, 2025
Finance up to 70% of the Purchase Price
| Credit Score | Term | APR |
|---|---|---|
| 700-800 | 36 Months | 6.250% |
| 48 Months | 6.500% | |
| 60 Months | 6.750% | |
| 72 Months | 7.250% | |
| 84 Months | 7.750% | |
| 620-699 | 36 Months | 6.750% |
| 48 Months | 7.250% | |
| 60 Months | 7.500% | |
| 72 Months | 7.750% | |
| 84 Months | 8.250% | |
| 580-619 | 36 Months | 8.250% |
| 48 Months | 8.750% | |
| 60 Months | 9.000% | |
| 72 Months | 9.250% | |
| 84 Months | 9.500% | |
| Balloon Minimum $15,000 | ||
| 700-800 | 3 Year Balloon | 5.500% |
| 5 Year Balloon | 6.000% | |
| 620-699 | 3 Year Balloon | 6.000% |
| 5 Year Balloon | 6.500% | |
| 580-619 | 3 Year Balloon | 6.750% |
| 5 Year Balloon | 7.000% | |
| APR=Annual Percentage Rate | ||
Previously Owned Motorhomes (RVs)
Effective Date: Oct 1, 2025
Maximum loan amount not to exceed 70% of JD Power retail value or appraised value
| Credit Score | Term | APR |
|---|---|---|
| 700-800 | 36 Months | 6.250% |
| 48 Months | 6.500% | |
| 60 Months | 6.750% | |
| 72 Months | 7.250% | |
| 84 Months | 7.750% | |
| 620-699 | 36 Months | 6.750% |
| 48 Months | 7.250% | |
| 60 Months | 7.500% | |
| 72 Months | 7.750% | |
| 84 Months | 8.250% | |
| 580-619 | 36 Months | 8.250% |
| 48 Months | 8.750% | |
| 60 Months | 9.000% | |
| 72 Months | 9.250% | |
| 84 Months | 9.500% | |
| Balloon Minimum $15,000 | ||
| 700-800 | 3 Year Balloon | 5.500% |
| 5 Year Balloon | 6.000% | |
| 620-699 | 3 Year Balloon | 6.000% |
| 5 Year Balloon | 6.500% | |
| 580-619 | 3 Year Balloon | 6.750% |
| 5 Year Balloon | 7.000% | |
| APR=Annual Percentage Rate | ||
Member Signature Loans
Effective Date: Sept 1, 2025
| Term | Credit Score | APR |
|---|---|---|
| 12-120 Months | 700-800 | 9.500% |
| 620-699 | 10.500% | |
| 580-619 | 11.500% |
All Other Secured Loans
Effective Date: Oct 1, 2025
| Credit Score | Term | APR |
|---|---|---|
| 700-800 | 36 Months | 6.250% |
| 48 Months | 6.750% | |
| 60 Months | 7.500% | |
| 72 Months | 7.750% | |
| 84 Months | 8.500% | |
| 620-699 | 36 Months | 6.750% |
| 48 Months | 7.500% | |
| 60 Months | 8.000% | |
| 72 Months | 9.000% | |
| 84 Months | 9.750% | |
| 580-619 | 36 Months | 7.250% |
| 48 Months | 7.750% | |
| 60 Months | 8.250% | |
| 72 Months | 9.750% | |
| 84 Months | 10.250% | |
| APR=Annual Percentage Rate | ||
Payback Pro
Effective Date: Oct 1, 2025
Payback Pro Loan - Fully Secured with home, vehicle, etc.
| Type | Term | APR |
|---|---|---|
| Up to $9,999 96 Month AM | 3 Year | 6.500% |
| 5 Year | 7.250% | |
| 7 Year | 8.500% | |
| $10,000 to $39,999 180 Month AM | 3 Year | 7.250% |
| 5 Year | 8.250% | |
| 7 Year | 9.250% | |
| $40,000 to $50,000 240 Month AM | 3 Year | 7.500% |
| 5 Year | 8.500% | |
| 7 Year | 9.500% | |
| APR=Annual Percentage Rate | ||
Certificates & IRA Certificates of Deposit
Effective Date: Sept 18, 2025
Minimum Balance to open: $1,000.00
| Months | APR | APY |
|---|---|---|
| $1,000 to $49,999 | ||
| 6 | 3.900% | 3.957% |
| 12 | 3.800% | 3.854% |
| 18 | 3.700% | 3.752% |
| 24 | 3.600% | 3.649% |
| 30 | 3.550% | 3.598% |
| 36 | 3.500% | 3.546% |
| 48 | 3.450% | 3.495% |
| 60 | 3.400% | 3.444% |
| $50,000 and above | ||
| 6 | 4.000% | 4.060% |
| 12 | 3.900% | 3.957% |
| 18 | 3.800% | 3.854% |
| 24 | 3.700% | 3.752% |
| 30 | 3.650% | 3.700% |
| 36 | 3.600% | 3.649% |
| 48 | 3.550% | 3.598% |
| 60 | 3.500% | 3.546% |
| Rates are subject to change at anytime. Dividends on certificates of deposit are compounded quarterly and paid quarterly. A penalty may be imposed for early withdrawals. Fees may reduce earnings on accounts. Contact us for answers to questions. | ||
Youth Certificates of Deposit
Effective Date: Sept 18, 2025
Minimum Balance to open: $300.00
Additional Deposits of a minimum of $100 are allowed
| Months | APR | APY |
|---|---|---|
| 6 | 1.500% | 1.508% |
| 12 | 1.600% | 1.610% |
| 18 | 1.700% | 1.711% |
| 24 | 1.800% | 1.812% |
| 36 | 1.900% | 1.914% |
| 48 | 2.000% | 2.015% |
| 60 | 2.100% | 2.117% |
| Rates are subject to change at anytime. Dividends on certificates of deposit are compounded quarterly and paid quarterly or monthly. A penalty may be imposed for early withdrawals. Fees may reduce earnings on accounts. Contact us for answers to questions. | ||
Diamond Money Fund
Effective Date: Oct 1, 2025
| Dollar Amount | APR | APY |
|---|---|---|
| $5,000 to $14,999 | 1.500% | 1.510% |
| $15,000 to $24,999 | 1.600% | 1.612% |
| $25,000 to $49,999 | 1.700% | 1.713% |
| $50,000 to $99,999 | 1.800% | 1.815% |
| $100,000 and Above | 1.900% | 1.917% |
Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00. Contact us for answers to questions. APR=Annual Percentage Rate APY=Annual Percentage Yield | ||
Statement Savings
Effective Date: Sept 18, 2025
| APR | APY | Dividend | Minimum Balance | Minimum Balance to obtain APY |
|---|---|---|---|---|
| 0.200% | 0.200% | Compounded/Credited Quarterly | $25.00 | $50.00 |
Contact us for answers to questions. APR=Annual Percentage Rate APY = Annual Percentage Yield | ||||
Share Draft/Checking
Effective Date: Sept 18, 2025
| APR | APY | Dividend | Minimum Balance | Minimum Balance to obtain APY |
|---|---|---|---|---|
| 0.050% | 0.050% | Compounded/Credited Quarterly | None | $250.00 |
Contact us for answers to questions. APR=Annual Percentage Rate APY=Annual Percentage Yield | ||||
Kids Club
Effective Date: Sept 18, 2025
| APR | APY | Dividend | Minimum Balance | Minimum Balance to obtain APY |
|---|---|---|---|---|
| 0.200% | 0.200% | Compounded/Credited Quarterly | $5.00 | $5.00 |
Contact us for answers to questions. APR=Annual Percentage Rate APY=Annual Percentage Yield | ||||
Club Accounts
Effective Date: Sept 18, 2025
| APR | APY | Dividend | Minimum Balance | Minimum Balance to obtain APY |
|---|---|---|---|---|
| 0.200% | 0.200% | Compounded/Credited Quarterly | None | $50.00 |
Contact us for answers to questions. APR=Annual Percentage Rate APY=Annual Percentage Yield | ||||
Christmas Club
Effective Date: Sept 18, 2025
| APR | APY | Dividend | Minimum Balance | Minimum Balance to obtain APY |
|---|---|---|---|---|
| 0.200% | 0.200% | Compounded/Credited Quarterly | None | $50.00 |
Contact us for answers to questions. APR=Annual Percentage Rate APY=Annual Percentage Yield | ||||
Health Savings Accounts
Effective Date: Sept 18, 2025
| APR | APY | Dividend | Minimum Balance | Minimum Balance to obtain APY |
|---|---|---|---|---|
| 0.200% | 0.200% | Compounded/Credited Quarterly | None | $50.00 |
Contact us for answers to questions. APR=Annual Percentage Rate APY=Annual Percentage Yield | ||||
Individual Retirement Savings, Roth, Roth Conversion & Education IRAs
Effective Date: Sept 18, 2025
| APR | APY | Dividend | Minimum Balance | Minimum Balance to obtain APY |
|---|---|---|---|---|
| 0.200% | 0.200% | Compounded/Credited Quarterly | None | $50.00 |
Contact us for answers to questions. APR=Annual Percentage Rate APY=Annual Percentage Yield | ||||
Money Management
Effective Date: Oct 1, 2025
| Dollar Amount | APR | APY |
|---|---|---|
| $2,500 to $4,999 | 1.000% | 1.005% |
| $5,000 to $14,999 | 1.500% | 1.510% |
| $15,000 and Above | 1.600% | 1.612% |
Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00. Contact us for answers to questions. APR=Annual Percentage Rate APY=Annual Percentage Yield | ||
Business Savings
Effective Date: Sept 18, 2025
| APR | APY | Dividend | Minimum Balance | Minimum Balance to obtain APY |
|---|---|---|---|---|
| 0.200% | 0.200% | Compounded/Credited Quarterly | $25.00 | $50.00 |
Contact us for answers to questions. APR=Annual Percentage Rate APY = Annual Percentage Yield | ||||