Rates
Rates Last Updated: May 26, 2026
Dividend Rates
*All rates are subject to change at any time. All rates are listed as APY. Minimum $100 balance to earn dividends. Fees may reduce earnings on accounts.
Account type
|
Regular Shares |
0.10% |
|
Special Shares |
0.10% |
|
Club Shares |
0.20% |
|
HSA |
0.25% |
CD Rates
|
3-month term |
3.85% |
|
6-month term |
3.75% |
|
12-month term |
3.50% |
|
24-month term |
3.25% |
Gold Savers Shares
|
Tier 1 ($500 minimum balance) |
0.20% |
|
Tier 2 ($10,000 minimum balance) |
0.25% |
|
Tier 3 ($25,000 minimum balance) |
0.35% |
|
Tier 4 ($50,000 minimum balance) |
0.75% |
|
Tier 5 ($100,000 minimum balance) |
1.25% |
|
Tier 6 ($200,000 minimum balance) |
1.75% |
IRA Shares
|
IRA Shares |
3.04% |
Auto Rates
*All rates are listed as APR and are subject to change at any time. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. Other terms and conditions may apply.
NEW
|
12-42 months |
5.25% |
|
43-66 months |
5.50% |
|
67-90 months |
5.75% |
|
91-102 months |
6.00% |
2022-2025
|
12-42 months |
5.75% |
|
43-66 months |
6.00% |
|
67-90 months |
6.25% |
|
91-102 months |
6.50% |
2016-2021
|
12-42 months |
6.25% |
|
43-66 months |
6.50% |
|
67-90 months |
6.75% |
|
91-102 months |
7.00% |
2010-2015
|
12-42 months |
8.00% |
|
43-66 months |
8.25% |
|
67-78 months |
8.50% |
2009-Older
|
12-66 months |
9.25% |
Salvaged
Boats and RV Rates
*All rates are listed as APR and are subject to change at any time. Rates, terms and amounts borrowed are dependent on credit, collateral, and loan type. Other terms and conditions may apply.
NEW
|
12-42 months |
7.00% |
|
43-66 months |
7.25% |
|
67-90 months |
7.50% |
|
91-126 months |
7.75% |
|
127-186 months |
8.25% |
|
187-246months |
8.25% |
2022-2025
|
12-42 months |
8.00% |
|
43-66 months |
8.25% |
|
67-90 months |
8.50% |
|
91-126 months |
8.75% |
|
127-186 months |
9.25% |
|
187-246months |
9.25% |
2016-2021
|
12-42 months |
9.00% |
|
43-66 months |
9.25% |
|
67-90 months |
9.50% |
|
91-126 months |
9.75% |
2010-2015
|
12-42 months |
9.75% |
|
43-66 months |
10.00% |
|
67-78 months |
10.25% |
2009-Older
|
12-66 months |
10.75% |
Salvaged
New Misc Secure Loans
|
12-60 months |
8.00% |
Used Misc Secure Loans
|
12-60 months |
9.00% |
Other Loans
Unsecured -Closed End Personal
*All rates are subject to change at any time. All rates are listed as APY. Minimum $100 balance to earn dividends. Fees may reduce earnings on accounts.
Closed End Personal
|
Up to 24 months |
11.00% |
|
35-36 months |
11.50% |
|
37-48 months |
12.00% |
|
49-60 months |
12.50% |
|
61-72 months |
13.50%* |
|
94-120 months |
14.50%* |
*Terms and Conditions Apply
Complete Cards
*All rates are subject to change at any time. All rates are listed as APY. Minimum $100 balance to earn dividends. Fees may reduce earnings on accounts.
|
Ruby / Secured |
2% of balance |
14.99% |
|
Emerald / C credit score or below |
2% of balance |
12.99% |
|
Sapphire / B credit score |
2% of balance |
10.99% |
|
Diamond / A credit score |
2% of balance |
8.99% |
|
Balance Transfers |
2% of balance |
-1% from regular rates |
Emergency and Mulligan Loans
*All rates are subject to change at any time. All rates are listed as APY. Minimum $100 balance to earn dividends. Fees may reduce earnings on accounts.
|
Mulligan Loan |
9 months |
18.00% |
|
Emergency Loan |
9 months |
15.00% |
Misc Loan Rates
*All rates are subject to change at any time. All rates are listed as APY. Minimum $100 balance to earn dividends. Fees may reduce earnings on accounts.
|
Share Secured Loans |
16-60 Months |
2.00% |
|
Home Equity Line of Credit |
5 year draw / 15 year |
Prime / 6.75% |
|
Closed End Student Loan Cons (Variable) |
15 year |
Prime / 6.75% |
|
Closed End Student Loans Cons (Fixed) |
5 – 15 year |
8.00% |
|
Undergraduate Line of Credit |
20-25 Year |
Prime / 6.75% |
|
Business Loans |