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All Rates

Deposit Rates

Savings
Effective Date: October 20,2026
Product TypeMinimum Balance**Dividend RateAPY*Dividend PeriodTerm**
IRA Fixed Certificates $500 3.65% 3.72% Q 1 Year
IRA Fixed Certificates $500 3.37% 3.43% Q 2 Year
IRA Fixed Certificates $500 3.35% 3.41% Q 3 Year
IRA Fixed Certificates $500 3.45% 3.51% Q 5 Year
Regular Savings $100 - $2000 0.06% 0.06% Q Day In/Day Out
Regular Shares $2,001+ 0.13% 0.13% Q Day In/Day Out
Special Savings $100 0.06% 0.06% Q 3 Months
Regular Checking $250 0.03% 0.03% M Day In/Day Out
High-Tide Checking
(Money Market)		 $2,500 - $24,999 0.61% 0.61% M Day In/Day Out
High-Tide Checking
(Money Market)		 $25,000 - $99,999 1.23% 1.23% M Day In/Day Out
High-Tide Checking
(Money Market)		 $100,000+ 1.64% 1.65% M Day In/Day Out

*APY = Annual Percentage Yield
**There may be a penalty for early withdrawal for:

1.  Early withdrawal or
2.  Not maintaining a minimum balance

Rates Effective July 21, 2026

Advantage Plus Checking $250.00 0.03% 0.03% M Day In/Day Out

Certificates
Effective Date: October 20,2026
TypeMinimum DepositDividend RateAPYDividend PeriodTerm**
Share Certificates $500 3.53% 3.59% M 6 months**
Share Certificates $500 3.57% 3.63% M 1 year**
Share Certificates $500 3.29% 3.35% M 2 years**
Share Certificates $500 3.27% 3.33% M 3 years**
Share Certificates $500 3.08% 3.13% M 4 years**
Share Certificates $500 3.37% 3.42% M 5 years**
Jumbo Certificates *$100,000 3.67% 3.74% M 1 year **
Jumbo Certificates *$100,000 3.39% 3.45% M 2 years **
Jumbo Certificates *100,000 3.37% 3.43% M 3 years **
Jumbo Certificates *100,000 3.18% 3.23% M 4 years **
Jumbo Certificates *100,000 3.47% 3.53% M 5 years **

Loan Rates

Vehicle Loans
Effective Date: Sunday, November 1st, 2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-36 Months 3.59% 3.81% 4.31% 4.61% 13.31% 14.41%
37-48 Months 3.81% 4.31% 4.61% 5.31% 14.41% 14.71%
49-60 Months 4.31% 4.61%% 5.31% 6.81% 14.71% 15.31%
61-75 Months 4.61% 5.31% 6.81% 7.02% 15.31% 15.81%
76-84 Months 5.31% 6.81% 7.06% 7.31% 15.81% 16.31%

Motorcycle Loans
Effective Date: October 20,2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-36 Months 6.06% 6.31% 6.66% 6.81% 13.31% 14.41%
37-48 Months 6.31% 6.66% 6.81% 7.06% 14.41% 14.71%
49-60 Months 6.66% 6.81% 7.06% 7.31% 14.71% 15.32%

New and Used Camper/RV Loans
Effective Date: October 20,2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-180 Months 7.06% 7.66% 7.86% 8.82% 15.31% 16.31%

New and Used Boat Loans
Effective Date: October 20,2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-84 Months 7.06% 7.66% 7.86% 8.82% 15.31% 16.31%

New and Used Farm Equipment Loans
Effective Date: October 20,2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-72 Months 5.46% 5.56% 5.81% 6.06% 6.31% 15.31%

Share Secured Loans
Effective Date: October 20,2026
*APR = Annual Percentage Rate
Term*APR
0-36 Months 3.75%
37-84 Months 5.75%
Certificate Rate 3.00% Above Rate

CD Secured Loans
Effective Date: October 20,2026
*APR = Annual Percentage Rate
*APRProduct Type
3% Above Rate Certificate Secured
6.50% Certificate Secured Visa

Signature Loans
Effective Date: October 20,2026
AmountRate
$25,000 8.47%
$20,000 10.47%
$15,000 12.47%
$5,000 14.47%
$2,500 16.57%
$1,500 16.57%

Visa Card Loans
Effective Date: October 20,2026
TypeRateAmount
Visa Platinum 13.9% $5,000
Platinum Plus 11.9% $10,000
Certificate Secured Visa 6.5%  
Feel Free 8.9% $10,000

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