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Rates And Disclosures

Loan Rates

Auto-&-Motorcycle-Loans-2016-to-2017
Auto & Motorcycle Loans — 2021 to 2023
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
24 Months 5.34% $39.49
36 Months 5.34% $28.06
48 Months 5.59% $22.13
60 Months 5.70% $18.46
72 Months 5.95% $16.05
84 Months* 6.75% $15.03
auto-and-motorcycle-loans-2014-to-2015
Auto & Motorcycle Loans — 2011 to 2020
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
24 Months 5.59% $39.60
36 Months 5.59% $28.18
48 Months 5.84% $22.25
60 Months 6.20% $18.70
72 Months 6.60% $16.37
auto-and-motorcycle-loans-2008-and-older
Auto & Motorcycle Loans — 2010 and Older
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
24 Months 6.99% $44.90
36 months 7.15% $31.04
48 Months 7.30% $24.16
60 Months 7.80% $20.25
other-secured-loans
Boats and RV’s 2021 - 2023
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
63 Months 6.99% $19.01
87 Months 7.49% $14.93
120 Months ($25,000.00 Min) 8.74% $12.53
180 Months ($40,000.00 Min) 9.49% $10.44
240 Months ($50,000.00 Min) 9.99% $9.64
boats-rv-used
Boats and RVs 2013-2020
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
63 Months 7.99% $19.49
87 Months 8.25% $15.31
120 Months ($25,000.00 Min) 9.00% $12.67
180 Months ($40,000.00 Min) 9.50% $10.44
240 Months ($50,000.00 Min) 10.25% $9.82
powersports-new
Powersports 2021-2023
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
39 Months 7.49% $28.97
63 Months 7.99% $19.49
87 Months 8.24% $15.31
120 Months 10.24% $13.35
powersports-used
Powersports 2013-2020
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
39 Months 8.49% $29.43
63 Months 8.99% $19.97
87 Months 9.74% $16.07
120 Months 11.74% $14.20
express-home-refinance
Express Home Refinance Rates
Rates Effective February 7, 2023
More Information Apply
TYPE AND TERM APR (as low as)1 Monthly Payment
8 Year Fixed 5.250% $12.81
12 Year Fixed 5.375% $9.47
20 Year Fixed 6.000% $7.19
home-equity-line-of-credit-up-to-70%-ltv
Home Equity Line of Credit — Up to 70% LTV (Variable/Fixed)
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
Variable, Revolving3 7.00% Prime - 0.50% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Fixed 60 Months2 7.00% $19.86
Fixed 120 Months2 8.00% $12.18
Fixed 180 Months2 9.50% $10.49
6-Month Fixed Intro Rate4 2.99% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
home-equity-line-of-credit-up-to-80%-ltv
Home Equity Line of Credit — Up to 80% LTV (Variable/Fixed)
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
6-Month Fixed Intro Rate4 2.99% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Variable, Revolving3 7.25% Prime - 0.25% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Fixed 60 Months2 7.00% $19.86
Fixed 120 Months2 8.00% $12.18
Fixed 180 Months2 9.50% $10.49
home-equity-line-of-credit-up-to-90%-ltv
Home Equity Line of Credit — Up to 90% LTV (Variable/Fixed)
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
6-Month Fixed Intro Rate4 3.99% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Variable Revolving3 8.00% Prime + 0.50% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Fixed 60 Months2 8.00% $20.34
Fixed 120 Months2 9.00% $12.72
Fixed 180 Months2 10.00% $10.79
home-equity-line-of-credit-up-to-100%-ltv
Home Equity Line of Credit — Up to 100% LTV (Variable/Fixed)
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR (as low as)1 VPR (as low as)3 Monthly Payment
Variable, Revolving3 10.50% Prime + 3% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
6-Month Fixed Intro Rate4 6.99% Minimum $50 or 1.25% of the principal balance as of the time of the draw, whichever is greater
Fixed 60 Months2 10.99% $21.83
Fixed 120 Months2 12.39% $17.27
Fixed 180 Months2 12.74% $12.55
home-equity-loans-up-to-80%-ltv
Home Equity Loans — Up to 80% LTV
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
36 Months 7.00% $30.96
48 Months 7.00% $24.01
60 Months 7.00% $19.86
84 Months 7.50% $15.39
120 Months 8.00% $12.18
180 Months 9.50% $10.49
home-equity-loans-up-to-90%-ltv
Home Equity Loans — Up to 90% LTV
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
36 Months 8.00% $31.44
48 Months 8.00% $24.49
60 Months 8.00% $20.34
84 Months 8.50% $15.90
120 Months 9.00% $12.72
180 Months 10.00% $10.79
home-equity-loans-up-to-100%-ltv
Home Equity Loans — Up to 100% LTV
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR (as low as)1 Monthly Payment2
36 Months 10.99% $32.87
48 Months 10.99% $25.95
60 Months 10.99% $21.83
84 Months 11.14% $17.27
120 Months 12.39% $14.65
180 Months 12.74% $12.55
personal-loan-rates
Personal Loan Interest Rates
Rates Effective February 7, 2023
More Information Apply
TERM(up to) APR(as low as)1 Monthly Payment2
24 Months 10.75% $46.70
36 Months 10.75% $32.77
48 Months 11.00% $25.97
60 Months 11.25% $21.97
personal-line-of-credit
Personal Lines of Credit
Rates Effective February 7, 2023
More Information Apply
Type and Term APR1 VPR2 Monthly Payment
Personal Line of Credit, revolving 11.50% Prime + 4% Minimum $15 or 2.5% of the outstanding principal balance
Overdraft Protection Line of Credit 18.00% n/a Minimum $15 or 2.5% of the outstanding principal balance
certificate-secured-loans
Certificate Secured Loans
Rates Effective February 7, 2023
More Information Apply
Terms APR1
Installment loan or single-payment note that is due at the certificate's maturity date. Certificate Dividend Rate + 3.00%
Special Energy Efficient Loans
Solar and Energy Efficiency Loan Rates
Rates Effective February 7, 2023
More Information Apply
Term (up to) APR1 Monthly Payment2
60 Months 8.75% $20.71
180 Months 9.50% $10.49

Savings, Investment & Checking Rates

certificates
CERTIFICATE RATES
Rates Effective February 7, 2023
More Information Apply
TYPE AND TERM MINIMUM BALANCE TO EARN APY3 DIVIDEND RATE ANNUAL PERCENTAGE YIELD
3 Months $500 0.15% 0.15%
6 Months $500 0.25% 0.25%
9 Months $500 2.91% 2.95%
12 Months $500 0.35% 0.35%
18 Months $500 0.35% 0.35%
24 Months $500 0.45% 0.45%
36 Months $500 4.41% 4.50%
22-Month Special* $5000 4.31% 4.40%
15-Month Special* $5000 4.12% 4.20%
48 Months $500 0.60% 0.60%
60 Months $500 0.70% 0.70%
6-Month Certificate Plus $250 0.15% 0.15%
12-Month Certificate Plus $250 0.30% 0.30%
18-Month Certificate Plus $250 0.30% 0.30%
24-Month Certificate Plus $250 0.40% 0.40%
INTRO RATE ULTIMATE MONEY MARKET SPECIAL
SCHEDULE APPOINTMENT

3.00%

apy2

Balances of $50,000 or more

2.96%

intro rate until June 30,20232

Balances of $50,000 or more
Ultimate-money-market-account
Ultimate Money Market Account Rates
Rates Effective February 7, 2023
More Information Schedule Appointment
Minimum Balance to Earn APY1 Dividend Rate APY1
$200,000 1.48% 1.49%
$150,000 1.38% 1.39%
$100,000 1.38% 1.39%
$75,000 1.28% 1.29%
$50,000 0.40% 0.40%
$0 0.00% 0.00%
money-market-plus-account
Money Market Plus Account Rates
Rates Effective February 7, 2023
More Information Schedule Appointment
Minimum Balance to Earn APY2 Dividend Rate APY1
$100,000 0.23% 0.23%
$50,000 0.20% 0.20%
$25,000 0.18% 0.18%
$10,000 0.17% 0.17%
$2,500 0.14% 0.14%
$0 0.12% 0.12%
money-market-max
Money Market Maximizer
Rates Effective February 7, 2023
More Information Schedule Appointment
Minimum Balance to Earn APY1 Dividend Rate APY
$1,000,000 3.06% 3.10%
$500,000 2.81% 2.85%
$250,000 2.57% 2.60%
$150,000 1.74% 1.75%
$75,000 1.34% 1.35%
ira-savings-rates
IRA Savings Interest Rates
Rates Effective February 7, 2023
More Information Apply
Type and Term2 Minimum Balance to Earn APY1 Dividend Rate Annual Percentage Yield
IRA Savings $25 0.10% 0.10%
checking
Checking
Rates Effective February 7, 2023
More Information Apply
Type and Term2 Minimum Balance to Earn APY1 Dividend Rate Annual Percentage Yield
Ultimate Checking $2,500 0.05% 0.05%
Dividend Checking $25 0.03% 0.03%
business-dividend-checking-account
Business Dividend Checking Account
Rates Effective February 7, 2023
More Information Apply
Minimum Balance to Earn APY1 Dividend Rate APY1
$2,500 0.03% 0.03%
SAVINGS
Rates Effective February 7, 2023
More Information Apply
TYPE AND TERM3 MINIMUM BALANCE TO EARN APY1 DIVIDEND RATE ANNUAL PERCENTAGE YIELD
Savings2 $25 0.03% 0.03%
2nd Savings $25 0.03% 0.03%
Holiday Savings $25 0.03% 0.03%
gosave
GoSave Account Rates
Rates Effective February 7, 2023
More Information Open An Account
Minimum Balance to Earn APY2 Dividend Rate APY1
$10,000 0.03% 0.03%
$1,000 0.05% 0.05%
$25 0.07% 0.07%
health-savings
HEALTH SAVINGS ACCOUNT
Rates Effective February 7, 2023
More Information Open An Account
Minimum Balance to Earn APY Dividend Rate APY1
$0 0.05% 0.05%
$2,500 0.07% 0.07%
$5,000 0.09% 0.09%
$10,000 0.10% 0.10%