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All Rates

Deposit Rates

Savings
Effective Date: September 22,2026
Product TypeMinimum Balance**Dividend RateAPY*Dividend PeriodTerm**
IRA Fixed Certificates $500 3.57% 3.63% Q 1 Year
IRA Fixed Certificates $500 3.28% 3.33% Q 2 Year
IRA Fixed Certificates $500 3.37% 3.43% Q 3 Year
IRA Fixed Certificates $500 3.38% 3.43% Q 5 Year
Regular Savings $100 - $2000 0.08% 0.08% Q Day In/Day Out
Regular Shares $2,001+ 0.16% 0.16% Q Day In/Day Out
Special Savings $100 0.08% 0.08% Q 3 Months
Regular Checking $250 0.03% 0.03% M Day In/Day Out
High-Tide Checking
(Money Market)		 $2,500 - $24,999 0.68% 0.68% M Day In/Day Out
High-Tide Checking
(Money Market)		 $25,000 - $99,999 1.35% 1.36% M Day In/Day Out
High-Tide Checking
(Money Market)		 $100,000+ 1.65% 1.66% 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: September 22, 2026
TypeMinimum DepositDividend RateAPYDividend PeriodTerm**
Share Certificates $500 3.41% 3.47% M 6 months**
Share Certificates $500 3.49% 3.55% M 1 year**
Share Certificates $500 3.20% 3.25% M 2 years**
Share Certificates $500 3.29% 2.34% M 3 years**
Share Certificates $500 3.07% 3.12% M 4 years**
Share Certificates $500 3.30% 3.35% M 5 years**
Jumbo Certificates *$100,000 3.59% 3.65% M 1 year **
Jumbo Certificates *$100,000 3.30% 3.35% M 2 years **
Jumbo Certificates *100,000 3.02% 3.45% M 3 years **
Jumbo Certificates *100,000 3.17% 3.22% M 4 years **
Jumbo Certificates *100,000 3.40% 3.46% M 5 years **

Loan Rates

Vehicle Loans
Effective Date: September 22, 2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-36 Months 3.22% 3.47% 3.97% 4.27% 12.96% 14.07%
37-48 Months 3.47% 3.97% 4.27% 4.97% 14.07% 14.37%
49-60 Months 3.97% 4.27% 4.97% 6.47% 14.37% 14.97%
61-75 Months 4.27% 4.97% 6.47% 6.72% 14.97% 15.47%
76-84 Months 4.97% 6.47% 6.72% 6.97% 15.47% 15.97%

Motorcycle Loans
Effective Date: September 22,2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-36 Months 5.72% 5.97% 6.32% 6.47% 12.97% 14.07%
37-48 Months 5.97% 6.32% 6.47% 6.72% 14.07% 14.37%
49-60 Months 6.32% 6.47% 6.72% 6.97% 14.37% 14.98%

New and Used Camper/RV Loans
Effective Date: September 22, 2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-180 Months 6.72% 7.32% 7.52% 8.48% 14.97% 15.97%

New and Used Boat Loans
Effective Date: September 22,2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-84 Months 6.72% 7.32% 7.52% 8.48% 14.97% 15.97%

New and Used Farm Equipment Loans
Effective Date: September 22,2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-72 Months 5.12% 5.22% 5.47% 5.72% 5.97% 14.97%

Share Secured Loans
Effective Date: September 22, 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: September 22, 2026
*APR = Annual Percentage Rate
*APRProduct Type
3% Above Rate Certificate Secured
6.50% Certificate Secured Visa

Signature Loans
Effective Date: September 22, 2026
AmountRate
$25,000 8.13%
$20,000 10.13%
$15,000 12.13%
$5,000 14.13%
$2,500 16.23%
$1,500 16.23%

Visa Card Loans
Effective Date: September 22, 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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