Check out the best rates in town for Savings Accounts Checking Accounts Vacation Club Accounts Christmas Club Accounts or Certificates of Deposit
Rates
Whether you’re looking to take out a loan, explore savings options or invest in yourself we’ve got the right loan for you.
Need a new or used vehicle? Perhaps you need to take out a home improvement loan, apply for a Mortgage or Personal Loan we can help. Flexible terms and low interest rates on loans.
Saving and Earning go hand in hand and with our high yield rates you can find the savings or investment account that works for you! Savings, Checking, Money Market, Certificates of Deposit you’ve come to the right place.
Your savings are insured to at least $250,000 by the NCUA
Rates Effective as of
1st 2024. Rates are subject to change during the month at the discretion of the Board of Directors
Savings, Checking & Club Accounts
(Share) Savings Account
| Account | Dividend Rate | APY |
|---|---|---|
| $0.00 - $4,499.99 | 0.0625% | 0.0625% |
| $5,000.00 - $12,499.99 | 0.0775% | 0.0775% |
| $12,500.00 - Over | 0.0975% | 0.0975% |
| * APR = Annual Percentage Rate * APY = Annual Percentage Yield |
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Checking (Share Draft)
| ACCOUNT | DIVIDEND RATE | APY |
|---|---|---|
| $1,000.00 min or more | 0.05% | 0.05% |
| APR = Annual Percentage Rate APY = Annual Percentage Yield |
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Certificates of Deposit
| Rate | APY | Rate | APY | Rate | APY | |
|---|---|---|---|---|---|---|
| BALANCE | $1,000 - $9,999.99 | $10,000 - $24,999.99 | $25,000 & Over | |||
| 6 MONTH | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% |
| 12 MONTH | 1.65% | 1.65% | 1.69% | 1.69% | 1.74% | 1.74% |
| 18 MONTH | 1.69% | 1.70% | 1.74% | 1.75% | 1.79% | 1.81% |
| 24 MONTH | 1.84% | 1.86% | 1.89% | 1.91% | 1.94% | 1.96% |
| 36 MONTH | 2.04% | 2.06% | 2.09% | 2.11% | 2.14 | 2.16% |
| 48 MONTH | 2.09% | 2.11% | 2.14% | 2.16% | 2.19% | 2.21% |
| 60 MONTH | 2.29% | 2.31% | 2.29% | 2.31% | 2.34% | 2.37% |
| 15 MONTH (New Money Only) | 4.99% | 5.00% | 4.99% | 5.00% | 4.99% | 5.00% |
| $1000 minimum balance required. Penalty for early withdrawal. Rates are subject to change during the month at the discretion of the Board of Directors * APR = Annual Percentage Rate * APY = Annual Percentage Yield |
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Holiday Club
| Account | Dividend Rate | APY |
|---|---|---|
| 0.05% | 0.05% | |
| * APR = Annual Percentage Rate * APY = Annual Percentage Yield |
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Vacation Club
| Account | Dividend Rate | APY |
|---|---|---|
| 0.05% | 0.05% | |
| * APR = Annual Percentage Rate * APY = Annual Percentage Yield |
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Loan Rates
Home Equity Fixed-Rate Loans
| Fixed Rate Terms | 80% | 80% | 90% | 90% | 100% | 100% |
|---|---|---|---|---|---|---|
| With or Without Payroll Deduction | Market value | w/Payroll deduct | Market value | w/Payroll deduct | Market value | w/Payroll deduct |
| 3 years | 5.79% APR* | 5.54% APR* | 6.79% APR* | 6.54% APR* | 7.79% APR* | 7.54% APR* |
| 4 years | 6.09% APR* | 5.84% APR* | 7.09% APR* | 6.84% APR* | 8.09% APR* | 7.84% APR* |
| 5 years | 6.20% APR* | 5.95% APR* | 7.45% APR* | 7.20% APR* | 8.45% APR* | 8.20% APR* |
| 7 years | 6.50% APR* | 6.25% APR* | 7.75% APR* | 7.50% APR* | 8.75% APR* | 8.50% APR* |
| 10 years | 6.80% APR* | 6.55% APR* | 8.05% APR* | 7.80% APR* | 9.05% APR* | 8.80% APR* |
| 15 years | 7.00% APR* | 6.75% APR* | 8.25% APR* | 8.00% APR* | 9.25% APR* | 9.00% APR* |
| ** Please call our Loan Department at 609-393-1100 for complete details. Additional Savings of .25% if Payroll Deducted |
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| * APR = Annual Percentage Rate | ||||||
Home Equity Credit Line
| MARKET VALUE | RATE |
|---|---|
| 80% | 8.50% APR* |
| 90% | 9.00% APR* |
| 100% | 10.00% APR* |
| * Annual Percentage Rate | |
Share Secured Loan
| Term | Rate |
|---|---|
| Up to 60 MO Term | 7.00% APR* |
| * APR = Annual Percentage Rate | |
Personal Loan
| Term | APR* |
|---|---|
| Up to 48 MO Term | Up to $10,000 maximum |
| Closed End | 7.49% - 15.49% APR* |
| Open End - Credit Line | 10.00% - 14.00% APR* |
Student Loan
| Amount | Rate |
|---|---|
| $5000 - $15000 | 11.25% (Prime Rate PLUS 3.00%) APR* |
| *Annual Percentage Rate | |
New Auto Loans
| Auto Loans - New | Rates | .25% discount if payroll deducted |
|---|---|---|
| 24 to 84 Month Term | 4.69% - 15.79% APR* | Rate is determined by credit risk score. |
| We lend 100% of Kelly Blue Book - New Car Guide Additional Savings of .25% if Payroll Deducted * APR = Annual Percentage Rate / All rates subject to change at any time |
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Used Auto Loans
| Auto Loans - Used | Rates | .25% discount if payroll deducted |
|---|---|---|
| 24 to 72 Month Term | 5.69% - 18.39% APR* | Rate is determined by credit risk score. |
| We lend 100% of Kelly Blue Book - Used Car Guide Terms Determined by Age of Car - Up to 7 years Additional Savings of .25% if Payroll Deducted * APR = Annual Percentage Rate / All rates subject to change at any time |
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Title Loan (Auto)
| Auto Loans - New | Rates | .25% discount if payroll deducted |
|---|---|---|
| Up to 72 Month Term | 5.50% - 14.50% APR* | Rate is determined by credit risk score. |
| We lend 100% of Kelly Blue Book - New Car Guide * APR = Annual Percentage Rate / All rates subject to change at any time |
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Visa Credit Cards
Visa Credit Cards
| Visa Cards | APR* | Credit Limit |
|---|---|---|
| Gold Card | 12.90% APR* | $5000 - $15,000 |
| Classic Card | 14.90% APR* | $500 - $5000 |
| * APR = Annual Percentage Rate | ||