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Rates

Loan Rates

Say goodbye to high monthly payments. Our loan rates are some of the lowest around, and that’s because we want your money to go further.?

Car or Light Truck Loan

ProductTermAPR* (as low as)
Car or Light Truck Loanup to 48 months5.74%
Car or Light Truck Loanup to 66 months5.94%
Car or Light Truck Loanup to 72 months6.34%
Car or Light Truck Loanup to 78 months6.59%
Car or Light Truck Loanup to 84 months7.34%

Footnotes

*

Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.5% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) that is 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 5.74% is the minimum APR offered. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in Credit Union Direct Lending (CUDL).

Payment example based on a $35,000.00 loan: $817.81 at a 5.74% APR with 48 month term; $622.94 at a 5.94% APR with 66 month term; $585.68 at a 6.34% APR with 72 month term; $552.87 at a 6.59% APR with 78 month term; and $534.08 at an 7.34% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.

ProductAPR* (as low as)
Home Equity Line of Credit**8.50%
Home Equity Loan7.50%

Footnotes

*

Your APR will be determined based on our internal credit criteria. Listed APRs are based on a loan to value of 70% or less, assume an excellent credit rating, and for Equity Loan include a .50% discount for repaying by an automated payment method approved by us. Property insurance required. If account is closed or paid off within 36 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs originally paid by VACU. Minimum and maximum loan or credit limits apply. Please contact us for specific term options and rates.

**

APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 8.50%. Maximum APR is 18%.

ProductAPR* (as low as)
Personal Line of Credit**10.25%
Personal Loan***7.74%
Deposit Secured Personal Loan****8.50%

Footnotes

*

Minimum and maximum loan amounts or credit limits apply.

**

APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 10.25%.

***

Rate effective as of 6/18/2024. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit, a 0.5% discount for an automated payment method approved by us, and a 3.0% discount for personal loans. Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 7.74% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 7.74% is the minimum APR offered which includes maximum discounts. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $240.58 at 7.74% APR with a 48 month term. Other options are available with APR based on loan amount, repayment method, term and other factors. This example is an estimate only and assumes all payments are made on time.

For loan amounts between $100 and $2,000, you will be directed to the Express Personal Loan with an APR of 28.00%, subject to credit approval. Repay an Express Personal Loan in a minimum of 1 month to a maximum of 12 months. No more than one VACU Express Personal Loan is allowed to be open at a time, and Express Personal Loans cannot be refinanced to other VACU loans. No application fee. Payment example: Based on a $1,500 loan with a monthly payment of $144.76 at 28.00% APR with a 12 month term. This example is an estimate only and assumes all payments are made on time.

****

APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 8.50%.

ProductAnnual FeeAPR* (as low as)
Essential Mastercard®No Annual Fee14.24%
Cash Rewards Mastercard®No Annual Fee16.24%
Flex Rewards Mastercard®No Annual Fee17.99%

Footnotes

*

Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal.

Motorcycle Loan Rates

ProductTermAPR* (as low as)
Motorcycle Loan Ratesup to 48 months8.74%
Motorcycle Loan Ratesup to 66 months9.24%
Motorcycle Loan Ratesup to 72 months9.49%
Motorcycle Loan Ratesup to 78 months9.74%
Motorcycle Loan Ratesup to 84 months10.99%

Footnotes

*

Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 8.74% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts.

Payment example based on a $35,000.00 loan: $866.66 at a 8.74% APR with 48 month term; $678.41 at a 9.24% APR with 66 month term; $639.44 at a 9.49% APR with 72 month term; $607.41 at a 9.74% APR with 78 month term; and $599.10 at an 10.99% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.

Recreational Vehicle Loan Rates

ProductTermAPR* (as low as)
Recreational Vehicle Loan Ratesup to 48 months8.24%
Recreational Vehicle Loan Ratesup to 66 months8.74%
Recreational Vehicle Loan Ratesup to 72 months8.99%
Recreational Vehicle Loan Ratesup to 78 months9.24%
Recreational Vehicle Loan Ratesup to 84 months10.49%

Footnotes

*

Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 8.24% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts.

Payment example based on a $35,000.00 loan: $858.40 at a 8.24% APR with 48 month term; $669.83 at a 8.74% APR with 66 month term; $630.72 at a 8.99% APR with 72 month term; $598.55 at a 9.24% APR with 78 month term; and $589.94 at an 10.49% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.

Watercraft Loan Rates

ProductTermAPR* (as low as)
Watercraft Loan Ratesup to 48 months7.74%
Watercraft Loan Ratesup to 66 months8.24%
Watercraft Loan Ratesup to 72 months8.49%
Watercraft Loan Ratesup to 78 months8.74%
Watercraft Loan Ratesup to 84 months9.99%

Footnotes

*

Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit, a 0.500% discount for an automated payment method approved by us, a 1.00% discount for a loan-to-value (LTV) of less than 115% or less, 0.5% discount for a loan-to-value (LTV) that is between 115.1-125%, 1.5% discount for a loan amount of $35,000 or more, 1.0% discount for a loan amount between $20,000-34,999, and .25% for a loan amount between $10,000 - $19,999. Regardless of available discounts, 7.74% is the minimum APR offered. Minimum and maximum loan amounts apply. Please contact us for specific terms, rates, and available discounts.

Payment example based on a $35,000.00 loan: $850.19 at a 7.74% APR with 48 month term; $661.30 at a 8.24% APR with 66 month term; $622.07 at a 8.49% APR with 72 month term; $589.77 at a 8.74% APR with 78 month term; and $580.86 at an 9.99% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.


Home Purchase Rates

Virginia Credit Union offers some of the best mortgage rates around and a variety of mortgage programs to meet your needs.?

Conventional

ProductTermRateAPRPoints*
30 Year Fixed Rate360 6.500%


payment example
6.672%1.146
360 6.875%


payment example
6.971%0.330
20 Year Fixed Rate240 6.000%


payment example
6.221%1.153
240 6.375%


payment example
6.467%0.106
15 Year Fixed Rate180 6.250%


payment example
6.446%0.535
180 6.625%


payment example
6.700%-0.244
10 Year Fixed Rate120 5.875%


payment example
6.136%0.487
120 6.375%


payment example
6.484%-0.220

Footnotes Fixed Rate

*

Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.

ProductTermRateAPRPoints*
10-Year ARM360 7.125%


payment example
7.538%-0.125
360 7.375%


payment example
7.653%-0.875
7-Year ARM360 7.000%


payment example
7.707%0.625
360 7.250%


payment example
7.765%-0.125
5-Year ARM360 6.875%


payment example
7.792%0.500
360 7.125%


payment example
7.832%-0.125

Footnotes Adjustable Rate Mortgage

*

Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer

FHA

30 Year Fixed Rate Mortgage

ProductTermRateAPRPoints*
30 Year Fixed Rate Mortgage360 6.500%


payment example
6.659%0.933
360 7.500%


payment example
7.596%0.198

Footnotes Fixed Rate Mortgage

*

Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer

Jumbo

VHDA

ProductTermRateAPRPoints*
30 Year FHA Fixed Rate360 7.125%


payment example
7.162%-0.375
360 7.250%


payment example
7.250%-0.875
FHA Plus 30 Year Fixed Rate Second Mortgage360 7.250%


payment example
7.339%0.125
360 7.375%


payment example
7.413%-0.375

Footnotes VHDA

*

Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.

USDA-Rural Development

30 Year USDA-Rural Development Fixed Rate

ProductTermRateAPRPoints*
30 Year USDA-Rural Development Fixed Rate360 6.375%


payment example
6.525%0.813
360 6.500%


payment example
6.585%0.141

Footnotes USDA-Rural Development

*

Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.

VA

30 Year Fixed Rate

ProductTermRateAPRPoints*
30 Year Fixed Rate360 6.000%


payment example
6.294%2.614
360 6.250%


payment example
6.467%1.778

Footnotes VA

*

Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.


Home Refinancing Rates

Refinance for a low-rate mortgage and put more money toward the things that matter most to you.?

No Closing Cost Refinance

ProductTermRateAPRPoints*
30 Year No Closing Cost Refinance Fixed Rate360 7.625%


payment example
7.777%1.149
360 8.125%


payment example
8.206%0.422
15 Year No Closing Cost Refinance Fixed Rate180 6.625%


payment example
7.021%2.176
180 7.125%


payment example
7.417%1.496

Footnotes No Closing Cost Refinance Fixed Rate

*

Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.

Conventional

ProductTermRateAPRPoints*
30 Year Fixed Rate360 6.500%


payment example
6.722%1.646
360 7.000%


payment example
7.102%0.380
20 Year Fixed Rate240 6.000%


payment example
6.285%1.653
240 6.750%


payment example
6.885%0.413
15 Year Fixed Rate180 6.125%


payment example
6.405%1.070
180 7.375%


payment example
7.429%-0.413
10 Year Fixed Rate120 5.875%


payment example
6.248%0.987
120 6.500%


payment example
6.665%0.024

Footnotes Conventional

*

Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.

ProductTermRateAPRPoints*
10-Year ARM360 6.875%


payment example
7.558%1.750
360 7.125%


payment example
7.639%0.875
7-Year ARM360 6.750%


payment example
7.676%1.625
360 7.000%


payment example
7.733%0.875
5-Year ARM360 6.625%


payment example
7.842%2.000
360 6.875%


payment example
7.856%1.125

Footnotes Adjustable Rate Mortgage

*

Points are a percentage of the loan amount. For example, when your loan officer mentions one point on a $100,000 loan, the loan officer is talking about one percent of the loan or $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all. This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also known as a lender credit) and use them to cover some of your closing costs. Please note that an origination fee may be included in the APR. To discuss your options, talk to a mortgage loan officer.

Jumbo


Deposit Rates

Whether you’re just getting started on your savings or you’re actively building a nest egg, you can earn extra money with great yields on federally insured deposits.?

ProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency
Checking Plus$20$10.05%0.05%Monthly
Checking Plus$20$50000.50%0.50%Monthly
Enhanced Benefit Checking$20$10.05%0.05%Monthly
Enhanced Benefit Checking$20$50000.50%0.50%Monthly
Extra Credit Checking (ages 13-22)**$20$10.05%0.05%Monthly
Extra Credit Checking (ages 13-22)$20$50000.50%0.50%Monthly

Checking Rates Footnotes

*

APYs may change after account is opened. Fees may reduce earnings on your accounts.

Please contact us if we can help you in any way.

**

Applicants under age 15 must have a joint owner on the account.

Regular Savings

ProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency
Regular Savings$5$1000.05%0.05%Quarterly
Regular Savings$5$5000.50%0.50%Quarterly

Regular Savings Rates Footnotes

*

APYs may change after account is opened. Fees may reduce earnings on your accounts. For Regular Savings there is no minimum balance to earn APY for members under age 23.

Please contact us if we can help you in any way.

ProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency
Premium Money Market$10000$1000.05%0.05%Monthly
Premium Money Market$10000$100001.88%1.90%Monthly
Premium Plus Money Market$25000$1000.05%0.05%Monthly
Premium Plus Money Market$25000$250002.37%2.40%Monthly
Premium Plus Money Market$25000$500002.62%2.65%Monthly
Premium Plus Money Market$25000$1000002.86%2.90%Monthly
Premium Plus Money Market$25000$2500003.20%3.25%Monthly

Money Market Savings Rates Footnotes

*

APYs may change after account is opened. Fees may reduce earnings on your accounts.

Please contact us if we can help you in any way.

ProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency
6 month certificate**$500$5002.62%2.65%Quarterly
6 month certificate$5000$50002.62%2.66%Monthly
6 month certificate$50000$500002.82%2.86%Monthly
6 month certificate$100000$1000003.02%3.07%Monthly
12 month certificate***$500$5004.18%4.25%Quarterly
12 month certificate$5000$50004.18%4.27%Monthly
12 month certificate$50000$500004.38%4.47%Monthly
12 month certificate$100000$1000004.58%4.68%Monthly
24 Month Certificate$500$5003.80%3.85%Quarterly
24 Month Certificate$5000$50003.80%3.86%Monthly
24 Month Certificate$50000$500004.00%4.07%Monthly
24 Month Certificate$100000$1000004.20%4.28%Monthly
36 month certificate$500$5003.89%3.95%Quarterly
36 month certificate$5000$50003.89%3.96%Monthly
36 month certificate$50000$500004.09%4.17%Monthly
36 month certificate$100000$1000004.29%4.38%Monthly
48 month certificate$500$5003.89%3.95%Quarterly
48 month certificate$5000$50003.89%3.96%Monthly
48 month certificate$50000$500004.09%4.17%Monthly
48 month certificate$100000$1000004.29%4.38%Monthly
60 month certificate$500$5003.99%4.05%Quarterly
60 month certificate$5000$50003.99%4.06%Monthly
60 month certificate$50000$500004.19%4.27%Monthly
60 month certificate$100000$1000004.39%4.48%Monthly

Savings Certificate Rates Footnotes

*

A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us.

**

If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates.

***

If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates.

ProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency
12 month IRA$100$1004.18%4.25%Quarterly
12 month IRA$5000$50004.18%4.27%Monthly
12 month IRA$50000$500004.38%4.47%Monthly
12 month IRA$100000$1000004.58%4.68%Monthly
18 month variable IRA$500$5003.70%3.75%Quarterly
18 month variable IRA$5000$50003.70%3.76%Monthly
18 month variable IRA$50000$500003.90%3.97%Monthly
18 month variable IRA$100000$1000004.10%4.18%Monthly
24 month IRA$100$1003.80%3.85%Quarterly
24 month IRA$5000$50003.80%3.86%Monthly
24 month IRA$50000$500004.00%4.07%Monthly
24 month IRA$100000$1000004.20%4.28%Monthly
36 month IRA$100$1003.89%3.95%Quarterly
36 month IRA$5000$50003.89%3.96%Monthly
36 month IRA$50000$500004.09%4.17%Monthly
36 month IRA$100000$1000004.29%4.38%Monthly
48 month IRA$100$1003.89%3.95%Quarterly
48 month IRA$5000$50003.89%3.96%Monthly
48 month IRA$50000$500004.09%4.17%Monthly
48 month IRA$100000$1000004.29%4.38%Monthly
60 month IRA$100$1003.99%4.05%Quarterly
60 month IRA$5000$50003.99%4.06%Monthly
60 month IRA$50000$500004.19%4.27%Monthly
60 month IRA$100000$1000004.39%4.48%Monthly

Individual Retirement Account Rates Footnotes

*

A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account.

For more information, contact us.

Health Savings Account

ProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency
Health Savings Account$5$1001.89%1.90%Quarterly

Health Savings Account Rates Footnotes

*

APY is subject to change after account is opened. Fees may reduce earnings on your account.

Please contact us if we can help you in any way.


Business Deposit Rates

Whether your organization is a startup, in growth mode, or established, our flexible deposit options can help your business thrive.?

ProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency
Business Money Market Checking$100$1000.05%0.05%Monthly
Business Money Market Checking$100$15001.65%1.65%Monthly
Business Plus Money Market Checking$100$1000.05%0.05%Monthly
Business Plus Money Market Checking$100$250001.69%1.70%Monthly
Business Plus Money Market Checking$100$500001.83%1.85%Monthly
Business Plus Money Market Checking$100$1000001.98%2.00%Monthly
Business Plus Money Market Checking$100$2500002.13%2.15%Monthly

Business Money Market Checking Rates Footnotes

*

APYs may change after account is opened. Fees may reduce earnings on your accounts.

Please contact us if we can help you in any way.

ProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency
6 month certificate**$500$5002.62%2.65%Quarterly
6 month certificate$5000$50002.62%2.66%Monthly
6 month certificate$50000$500002.82%2.86%Monthly
6 month certificate$100000$1000003.02%3.07%Monthly
12 month certificate***$500$5004.18%4.25%Quarterly
12 month certificate$5000$50004.18%4.27%Monthly
12 month certificate$50000$500004.38%4.47%Monthly
12 month certificate$100000$1000004.58%4.68%Monthly
24 month certificate$500$5003.80%3.85%Quarterly
24 month certificate$5000$50003.80%3.86%Monthly
24 month certificate$50000$500004.00%4.07%Monthly
24 month certificate$100000$1000004.20%4.28%Monthly
36 month certificate$500$5003.89%3.95%Quarterly
36 month certificate$5000$50003.89%3.96%Monthly
36 month certificate$50000$500004.09%4.17%Monthly
36 month certificate$100000$1000004.29%4.38%Monthly
48 month certificate$500$5003.89%3.95%Quarterly
48 month certificate$5000$50003.89%3.96%Monthly
48 month certificate$50000$500004.09%4.17%Monthly
48 month certificate$100000$1000004.29%4.38%Monthly
60 month certificate$500$5003.99%4.05%Quarterly
60 month certificate$5000$50003.99%4.06%Monthly
60 month certificate$50000$500004.19%4.27%Monthly
60 month certificate$100000$1000004.39%4.48%Monthly

Business Savings Certificate Rates Footnotes

*

A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us.

**

For savings certificates of $25,000 or more and maturities 12 months or less, you may elect one of two options at account opening/renewal: 1) earn the rate in effect for the applicable minimum balance/term and make additional deposits only at maturity; or 2) earn the rate in effect for a $5,000 minimum balance certificate for the applicable term in order to make additional deposits to the certificate any time during the term.

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For savings certificates of $25,000 or more and maturities 12 months or less, you may elect one of two options at account opening/renewal: 1) earn the rate in effect for the applicable minimum balance/term and make additional deposits only at maturity; or 2) earn the rate in effect for a $5,000 minimum balance certificate for the applicable term in order to make additional deposits to the certificate any time during the term.

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