Skip to Content
Toggle navigation

Rates

A percentage sign
We're helping our members discover a better banking experience. With low rates on loans and higher interest rates on the money you save, we're confident you'll find the best rate right here.

Click on a rate group below to reveal rates:

Model YearTermAPR* as low as
2016 & newerup to 36 months3.24%
 48 months

3.49%

 60 months3.74%
 75 months3.99%
 84 months 14.99%
2012 - 2015up to 36 months3.49%
 48 months3.74%
 60 months3.99%
 75 months4.24%
 84 months 25.24%
2008 - 2011up to 36 months4.24%
 48 months4.49%
 60 months4.74%
 66 months 34.99%
2007 & olderup to 36 months6.74%
 48 months6.99%
 60 months7.49%

*APR means Annual Percentage Rate. For any loan where the mileage is OVER 100,000 miles, .25% will be added to the APR. The term and rate offered to you will be determined by your credit history. 1 Term 76-84 months only available for loans $30,000 and over. 2 Term 76-84 months only available for loans $30,000 and over and 2015 or newer model years.3 Term 61-66 months only available for 2010 and 2011 model years only.

Boat/Camper/Motor Home Loan Rates*

Model YearTermAPR** as low as
2013 & newerup to 36 months4.49%
 60 months4.99%
 96 months
(minimum loan $25,000)
5.74%
 120 months
(minimum loan $35,000)
6.74%
 180 months
(minimum loan $45,000)
7.74%
2012 & olderup to 36 months6.49%
 60 months6.99%
 96 months
(minimum loan $25,000)
7.74%
 120 months
(minimum loan $35,000)
8.74%

*For recreational purposes only. **APR means Annual Percentage Rate. The term and rate offered to you will be determined by your credit history.

Miscellaneous Collateral Loan Rates

(ATV, Jet Ski and Snowmobile)

TermAPR* as low as
up to 36 months5.99%
48 months6.24%
60 months6.74%
72 months**7.24%

*APR means Annual Percentage Rate. The term and rate offered to you will be determined by your credit history. **Term 61-72 months only available for loans $15,000 and over.

Model YearTermAPR* as low as
2016 & newerup to 36 months3.74%
 48 months3.99%
 60 months4.24%
 72 months4.49%
2012 - 2015up to 36 months3.99%
 48 months4.24%
 60 months4.49%
2011 & olderup to 36 months7.24%
 48 months7.49%
 60 months7.74%

*APR means Annual Percentage Rate. The term and rate offered to you will be determined by your credit history.

Personal (Signature) Loan Rates

TermAPR* as low as
up to 12 months5.49%
24 months6.49%
36 months7.49%
60 months8.49%

*APR means Annual Percentage Rate. The term and rate offered to you will be determined by your credit history.

Personal Line of Credit Rates

TermAPR* as low as
Revolving Line of Credit8.49%

*APR means Annual Percentage Rate. The term and rate offered to you will be determined by your credit history.

Share Secured Loan Rates

TermAPR*
up to 60 months2.24%
120 months3.99%

*APR means Annual Percentage Rate.

TermAPR* as low as
up to 60 months3.49%
120 months4.74%
180 months5.24%

*APR means Annual Percentage Rate. The rate offered to you will be determined by your credit history and the location of your property. Home Equity Loans are not available in some states and amount financed may vary by state. Closing costs are waived unless the loan is discharged within 3 years of the origination date in which case you will be required to pay closing costs, which will range from approximately $300 to $1,800.

Equity Advantage Line of Credit

Current APR* as low as 5.25%
Introductory Limited Time Offer**

Special rate of 2.99% APR fixed for the first 12 months of the loan.

The rate on your loan after the first 12 months will adjust to the below range in effect.

The APR on your loan could adjust between 4% and 18%

*APR means Annual Percentage Rate. This is a variable rate loan. Rates are based on the Prime Rate effective the first of each month and are adjusted monthly at the end of the month. The rate you receive and the loan to value options available are based on your credit history. Homeowner's insurance is required. Home Equity Loans are not available in some states and amount financed may vary by state. Closing costs are waived unless the loan is discharged within 3 years of the origination date in which case you will be required to pay closing costs, which will range from approximately $300 to $1,800. **Promotional rate does not apply to advances for credit life and credit disability insurance premiums.

Financing is offered in FL, MD 1 , NY, NC, and PA.

  • Conventional
  • Construction/Renovation 2
  • Adjustable Rate Options
  • Low Down Payment Options
  • VA (eligible active-duty service members and veterans in NC, NY, PA)
  • Vacation/Second Home
  • Investment Property 2
  • Lot Loans 2
  • Jumbo

* APR means Annual Percentage Rate.

1Maryland residents, please give us a call at 800-677-8506 or email to schedule an appointment by phone to apply.

2Not available through our online application at this time. For more information, or to apply, please give us a call at 800-677-8506 or email us today.

Credit Card Rates

TypeAPR*
Traditional11.49% - 14.49% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.
Platinum Rewards14.49% - 17.49% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.
Signature Rewards+13.49% - 16.49% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.
Balance TransferTraditional
11.49% to 14.49% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.

Platinum Rewards
14.49% to 17.49% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.

Signature Rewards+
13.49% to 16.49% when you open your account, based on your creditworthiness.** This APR will vary with the market based on the Prime Rate.

*APR means Annual Percentage Rate. **The rate offered to you will be determined by your credit history. Approval subject to credit qualifications and lending guidelines. Please refer to the Credit Card Disclosures and Credit Card Agreement (PDF) for additional important information.

Advantage Checking Rates

Rates are effective as of October 1, 2018

Account TypeDividend Rate*APY**
Advantage Share
Draft Checking Account 1
0.05%0.05%

1 Dividends are paid on any day when the balance in the account at the end of the day is $4000 or more.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Windfall® Checking Rates

Rates are effective as of October 1, 2018

Account TypeDividend Rate*APY**
Windfall Checking ®11.98%2.00%

1 Paid on any day on balances up to and including $20,000, provided criteria outlined in the Member Services Disclosures are met.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

All Purpose Savings Rates1

Rates are effective as of November 1, 2018

Account BalanceDividend Rate*APY**
$0 to $2,4990.10%0.10%
$2,500 to $9,9990.20%0.20%
$10,000 to $24,9990.30%0.30%
$25,000 and over0.40%0.40%

1 The dividend rate on the Share Savings, All Purpose and Holiday Club Account is paid on the entire balance in the account as of close of business that day. The dividend rate that is earned is the rate associated with the tier the balance falls in at the end of business that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Holiday Club Rates1

Rates are effective as of  November 1, 2018

Account BalanceDividend Rate*APY**
$0 to $2,4990.10%0.10%
$2,500 to $9,9990.20%0.20%
$10,000 to $24,9990.30%0.30%
$25,000 and over0.40%0.40%

1 The dividend rate on the Share Savings, All Purpose and Holiday Club Account is paid on the entire balance in the account as of close of business that day. The dividend rate that is earned is the rate associated with the tier the balance falls in at the end of business that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

IRA Savings Rates

Rates are effective as of  November 1, 2018

Account TypeDividend Rate*APY**
IRA Savings Account***0.50%0.50%

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

***Maximum Individual IRA contribution is $5500/year with an additional $1000/year contribution allowed if 50 years or older.

Share Savings Rates1

Rates are effective as of  November 1, 2018

Account BalanceDividend Rate*APY**
$0 to $2,4990.10%0.10%
$2,500 to $9,9990.20%0.20%
$10,000 to $24,9990.30%0.30%
$25,000 and over0.40%0.40%

1 The dividend rate on the Share Savings, All Purpose and Holiday Club Account is paid on the entire balance in the account as of close of business that day. The dividend rate that is earned is the rate associated with the tier the balance falls in at the end of business that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion.  Fees  could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Share and IRA Transfer Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, November 8, 2018

$1,000 Minimum Deposit

Certificate Term 1Dividend Rate*APY**
3 months0.60%0.60%
6 months0.80%0.80%
12 months 1.05%1.05%
18 months1.15%1.15%
24 months1.30%1.30%
36 months1.60%1.60%
48 months1.95%1.95%
60 months2.25%2.25%

1 Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share or IRA and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Share and IRA Compounding Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, November 8, 2018

$1,000 Minimum Deposit

Certificate Term 1Dividend Rate*APY**
3 months0.60%0.60%
6 months0.80%0.80%
12 months 1.05%1.05%
18 months1.14%1.15%
24 months1.29%1.30%
36 months1.59%1.60%
48 months1.93%1.95%
60 months2.23%2.25%

1 Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share or IRA and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Jumbo Share and IRA Transfer Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, November 8, 2018

$100,000 Minimum Deposit

Certificate Term 1Dividend Rate*APY**
3 months0.65%0.65%
6 months0.85%0.85%
12 months 1.10%1.10%
18 months1.20%1.20%
24 months1.35%1.35%
36 months1.65%1.65%
48 months2.00%2.00%
60 months2.30%2.30%
1 Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share or IRA and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Jumbo Share and IRA Compounding Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, November 8, 2018

$100,000 Minimum Deposit

Certificate Term 1Dividend Rate*APY**
3 months0.65%0.65%
6 months0.85%0.85%
12 months 1.10%1.10%
18 months1.19%1.20%
24 months1.34%1.35%
36 months1.64%1.65%
48 months1.98%2.00%
60 months2.28%2.30%

1 Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share or IRA and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Money Market Account Rates1

Account BalanceDividend Rate*APY**
$2,500 to $24,9990.40%0.40%
$25,000 to $99,9990.50%0.50%
$100,000 to $249,9990.70%0.70%
$250,000 and over0.80%0.80%

1 The dividend rate on Money Market Accounts is paid on the entire balance in the account as of the close of business that day. Money Market Accounts do not earn a dividend any day the balance falls below $2,500 as of end of business that day. The minimum deposit or withdrawal is $250, unless done by allocation. Dividends are paid monthly.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Business Checking Rates

Account TypeDividend Rate*APY**
Business Checking Account 10.05%0.05%

1 Dividends are paid on any day when the balance in the account at the end of the day is $4,000.00 or more.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Business All Purpose Savings Rates1

Account BalanceDividend Rate*APY**
$0 to $2,4990.10%0.10%
$2,500 to $9,9990.20%0.20%
$10,000 to $24,9990.30%0.30%
$25,000 and over0.40%0.40%

1 The dividend rate on the Business Share Savings and Business All Purpose Account is paid on the entire balance in the account as of close of business that day. The dividend rate that is earned is the rate associated with the tier the balance falls in at the end of business that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Business Savings Rates1

Account BalanceDividend Rate*APY**
$0 to $2,4990.10%0.10%
$2,500 to $9,9990.20%0.20%
$10,000 to $24,9990.30%0.30%
$25,000 and over0.40%0.40%

1 The dividend rate on the Business Share Savings and Business All Purpose Account is paid on the entire balance in the account as of close of business that day. The dividend rate that is earned is the rate associated with the tier the balance falls in at the end of business that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Business Transfer Share Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, November 8, 2018

$1,000 Minimum Deposit

Certificate Term 1Dividend Rate*APY**
3 months0.60%0.60%
6 months0.80%0.80%
12 months1.05%1.05%
18 months1.15%1.15%
24 months1.30%1.30%
36 months1.50%1.50%
48 months1.95%1.95%
60 months2.25%2.25%

1 Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Business Compounding Share Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, November 8, 2018

$1,000 Minimum Deposit

Certificate Term 1Dividend Rate*APY**
3 months0.60%0.60%
6 months0.80%0.80%
12 months1.05%1.05%
18 months1.14%1.15%
24 months1.29%1.30%
36 months1.59%1.60%
48 months1.93%1.95%
60 months2.23%2.25%

1 Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Business Jumbo Transfer Share Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, November 8, 2018

$100,000 Minimum Deposit

Certificate Term 1Dividend Rate*APY**
3 months0.65%0.65%
6 months0.85%0.85%
12 months 1.10%1.10%
18 months1.20%1.20%
24 months1.35%1.35%
36 months1.55%1.55%
48 months2.00%2.00%
60 months2.30%2.30%

1 Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Business Jumbo Compounding Share Certificate Rates

Rates are effective as of 5:00 p.m. (ET) Thursday, November 8, 2018

$100,000 Minimum Deposit

Certificate Term 1Dividend Rate*APY**
3 months0.65%0.65%
6 months0.85%0.85%
12 months 1.10%1.10%
18 months1.19%1.20%
24 months1.34%1.35%
36 months1.64%1.65%
48 months1.98%2.00%
60 months2.28%2.30%

1 Early withdrawal penalties on certificates may apply.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield. The APY for Compounding Certificates assumes that dividends will remain on deposit until maturity. Withdrawal of dividends paid will reduce the actual earnings. APY for Transfer Certificates will be calculated based on the assumption that you will not elect to have your dividends transferred each month to another share and that dividends will not compound during the term of the Certificate Account. For Transfer certificates dividends cannot remain on account and monthly payout of dividends is mandatory. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Business Money Market Account Rates1

Account BalanceDividend Rate*APY**
$2,500 to $24,9990.40%0.40%
$25,000 to $99,9990.50%0.50%
$100,000 to $249,9990.70%0.70%
$250,000 and over0.80%0.80%

1 The dividend rate on Business Money Market Accounts is paid on the entire balance in the account as of close of business for that day. Business Money Market Accounts are subject to all the same terms and conditions as those described for Business Share Savings Accounts in the Business Account Agreement with the exception of the following terms: The minimum deposit or withdrawal is $250, unless done by allocation. Business Money Market Accounts do not earn a dividend any day the balance falls below $2500 as of end of business for that day.

*Deposit Accounts are variable rate accounts. As such, the Credit Union reserves the right to change the rates at any time and at its sole discretion. Fees could reduce earnings on accounts.

**APY = Annual Percentage Yield.

Business Visa® Credit Card Rates

TypeAPR*
Initial Annual Percentage Rate for Purchases5.99% for six months**
Variable Rate9.99% - 12.99%
Annual Percentage Rate for Advances other than Purchases17.99%

*APR means Annual Percentage Rate. The rate offered to you will be determined by your credit history. **This offer is only available for six months and will be charged a 5.99% APR on purchases until the last day of your sixth billing period after six months from the first billing period. After that date, the 5.99% APR will expire and the APR for all outstanding purchases will be the APR you are approved for on such date. All payments will be applied to balances with the highest APRs first. Your APR for all other advances will remain the same. Approval subject to credit qualifications and lending guidelines.
Please refer to the Business Credit Card Disclosures for additional important information.