Rates

Home Equity Loan Rates

TermAPR1Monthly Payment per $10,000 Borrowed
1 - 60 mos.as low as 2.99%$179.70
61 - 120 mos.as low as 3.99%$101.25
121 - 180 mos.as low as 4.24%$75.20

Home Equity Line of Credit

3.99% Variable APR Home Equity Line Amounts2Monthly Payment Examples
$10,000$102
$20,000$203
$30,000$222

Auto Loans

TypeTermAPRMinimumMaximum
New, Used, Refinance1 - 48 mos.as low as 2.99%3$3,000$75,000
New, Used, Refinance49 - 66 mos.as low as 2.99%3$3,000$75,000
New, Used, Refinance67 - 75 mos.as low as 3.99%3$15,000$75,000
New76 - 84 mos.4.994$20,000$75,000

Credit Card Rates

ProductAPR5
Visa Classic or Gold CardFixed & as low as 8.9%6
Student Visa Card with payWave11.90%
Share Secured Visa15.90%

Personal Loan Rates

Loan TypeAPR7
Share Secured Loan7.00%
Personal/Signature LoanFixed & as low as 7.99%8
Term Share Certificate Secured Loan7.00%9
Overdraft/Line of CreditFixed & as low as 10.90%10

Checking & Savings Rates

Account11Dividend RateAnnual Percentage Yield (APY)Min. Deposit to Open
Checking.10%.10%$0
Primary Savings.20%.20%$5
Club Savings.20%.20%$0
IRA Savings.20%.20%$0
Education Savings.20%.20%$0
Health Savings.10%.10%$0
Money Market

Tier 1: $0 to $9,999.99
Tier 2: $10,000.00 and up


.20%
.30%


.20%
.30%


$0
$10,000

CDs & IRA Rates

TermAnnual Dividend Rate12Annual Percentage Yield (APY)13
6 mos..30.30
12 mos..45.45
18 mos..60.60
24 mos.1.001.00
36 mos.1.491.50
48 mos.1.791.80
60 mos.2.132.15

Rates may change after accounts are opened.

Fees may reduce earnings.


1. Annual Percentage Rate (APR) applies to Loan-to-Value (LTV) less than or equal to 80%. APR will not be less than 2.99% or greater than 6.24%. The interest rate you receive will be based on your credit history. Hazard Insurance is required. For loans over $100,000, Title Insurance is required. Low, all-services fee of $95. Loan subject to final approval. Terms and rates subject to change without notice and apply to loans in the 2nd lien position.


2. Annual Percentage Rate (APR) applies to Loan-to-Value (LTV) less than or equal to 80%. Home Equity Line of Credit is subject to a Variable Rate which is based on the highest Prime Rate as published in the Wall Street Journal and will be the rate 10 days prior to the first day of each calendar quarter of each year. Rate will never be less than 3.99% nor greater than 18%. The interest rate you receive will be based on your credit history. APR as low as Prime Rate - 0.01% Margin. Rates accurate since 10/1/12. Hazard Insurance is required. For loans over $100,000, Title Insurance is required. Low, all services fee of $95. Line of Credit subject to final approval. Terms and rates subject to change without notice.


3. APR=Annual Percentage Rate. Rates accurate since 7/25/12. The interest rate you receive will be based on your credit history. APR will not be less than 2.99%, or greater than 11.99%. Satisfactory vehicle insurance required. Freedom Loans and Lines of Credit can't be refinanced and other conditions may apply. Terms and rates are subject to change without notice.


4. APR=Annual Percentage Rate. Rates accurate since 7/25/12. Terms and rates are subject to change without notice.


5. APR=Annual Percentage Rate. Rates accurate since 9/19/13. The maximum total unsecured debt per Member is $30,000. Terms and rates are subject to change without notice. For Credit Cards, an eligible co-borrower will be required unless the Cardholder has independent means of repaying any credit extended.


6. The interest rate you receive will be based on your credit history. APR will not be less than 8.9% or greater than 15.9%. It will remain fixed for at least 12 months from Card opening.


7. APR=Annual Percentage Rate. Rates accurate since 9/19/13. The maximum total unsecured debt per Member is $30,000. Terms and rates are subject to change without notice. For Credit Cards, an eligible co-borrower will be required unless the Cardholder has independent means of repaying any credit extended.


8. The interest rate you receive will be based on your credit history. APR will not be less than 7.99% or greater than 16.99%. Loan minimum is $500. If you are refinancing a Freedom Loan or Line of Credit, a minimum of $500 in new borrowing is required.


9. The greater of 7% APR or 2% above the Term Share Certificate rate.


10. The interest rate you receive will be based on your credit history. APR will not be less than 10.9% or greater than 17.9%.


11. Dividends on IRA, Savings, Club, and Checking Accounts are computed monthly on average daily balances of $5 or more and posted monthly. The Money Market Account has a variable rate which will be greater than our regular savings rate, and subject to daily adjustments. Dividends will be paid monthly on the average daily balance, based upon the current tier level rates. Fees may reduce earnings. Regulations prohibit payment in excess of available earnings. Rates accurate since 10/1/13. Rates subject to change without notice and may change after account is opened. View our Rate and Fee Schedule.


12. Regulations prohibit payment in excess of available earnings. Penalty required for early withdrawal. Rates accurate since 8/15/14. Terms and rates are subject to change without notice. Fees may reduce earnings. View our Rate and Fee Schedule.


13. APY=Annual Percentage Yield. No minimum is required for opening. Rates accurate since 8/15/14. Dividends are computed monthly on average daily balances of $5 or more and posted monthly. Rate may change after Account is opened. Fees may reduce earnings. Terms and rates are subject to change without notice. View our Rate and Fee Schedule.