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
| Product | Term | APR* (as low as) | |
| Car or Light Truck Loan | up to 48 months | 4.24% | |
| Car or Light Truck Loan | up to 66 months | 4.44% | |
| Car or Light Truck Loan | up to 72 months | 4.84% | |
| Car or Light Truck Loan | up to 78 months | 5.09% | |
| Car or Light Truck Loan | up to 84 months | 5.84% | |
Footnotes |
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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, 4.24% 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 our Preferred Dealer Network.
Payment example based on a $35,000.00 loan: $794.03 at a 4.24% APR with 48 month term; $598.66 at a 4.44% APR with 66 month term; $561.08 at a 4.84% APR with 72 month term; $527.98 at a 5.09% APR with 78 month term; and $508.62 at an 5.84% APR with 84 month term. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
| Product | APR* (as low as) | |||
| Home Equity Loan | 7.50% | |||
Footnotes |
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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 6.75%. Maximum APR is 18%.
| Product | APR* (as low as) | |||
Footnotes |
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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 8.50%.
Rate effective as of 07/01/2026. 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 6.99% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 6.99% 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 6.99% 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 6.75%.
| Product | Annual Fee | APR* (as low as) | ||
| Essential Mastercard® | No Annual Fee | 12.49% | ||
| Cash Rewards Mastercard® | No Annual Fee | 14.49% | ||
| Flex Rewards Mastercard® | No Annual Fee | 16.49% | ||
Footnotes |
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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
| Product | Term | APR* (as low as) | |
| Motorcycle Loan Rates | up to 48 months | 7.24% | |
| Motorcycle Loan Rates | up to 66 months | 7.74% | |
| Motorcycle Loan Rates | up to 72 months | 7.99% | |
| Motorcycle Loan Rates | up to 78 months | 8.24% | |
| Motorcycle Loan Rates | up to 84 months | 9.49% | |
Footnotes |
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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, 7.24% 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: $842.02 at a 7.24% APR with 48 month term; $652.85 at a 7.74% APR with 66 month term; $613.49 at a 7.99% APR with 72 month term; $581.06 at a 8.24% APR with 78 month term; and $571.86 at an 9.49% 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
| Product | Term | APR* (as low as) | |
| Recreational Vehicle Loan Rates | up to 48 months | 6.74% | |
| Recreational Vehicle Loan Rates | up to 66 months | 7.24% | |
| Recreational Vehicle Loan Rates | up to 72 months | 7.49% | |
| Recreational Vehicle Loan Rates | up to 78 months | 7.74% | |
| Recreational Vehicle Loan Rates | up to 84 months | 8.99% | |
Footnotes |
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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, 6.74% 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: $833.90 at a 6.74% APR with 48 month term; $644.45 at a 7.24% APR with 66 month term; $604.98 at a 7.49% APR with 72 month term; $572.43 at a 7.74% APR with 78 month term; and $562.94 at an 8.99% 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
| Product | Term | APR* (as low as) | |
| Watercraft Loan Rates | up to 48 months | 6.24% | |
| Watercraft Loan Rates | up to 66 months | 6.74% | |
| Watercraft Loan Rates | up to 72 months | 6.99% | |
| Watercraft Loan Rates | up to 78 months | 7.24% | |
| Watercraft Loan Rates | up to 84 months | 8.49% | |
Footnotes |
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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, 6.24% 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: $825.83 at a 6.24% APR with 48 month term; $636.12 at a 6.74% APR with 66 month term; $596.55 at a 6.99% APR with 72 month term; $563.88 at a 7.24% APR with 78 month term; and $554.10 at an 8.49% 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
| Product | Term | Rate | APR | Points* |
| 30 Year Fixed Rate | 360 |
6.375%
payment example |
6.525% | 0.941 |
| 360 |
6.625%
payment example |
6.695% | 0.090 | |
| 20 Year Fixed Rate | 240 |
6.125%
payment example |
6.291% | 0.708 |
| 240 |
6.500%
payment example |
6.546% | -0.258 | |
| 15 Year Fixed Rate | 180 |
5.750%
payment example |
5.953% | 0.618 |
| 180 |
6.125%
payment example |
6.192% | -0.271 | |
| 10 Year Fixed Rate | 120 |
5.750%
payment example |
6.021% | 0.539 |
| 120 |
6.125%
payment example |
6.226% | -0.241 | |
Footnotes Fixed Rate |
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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.
| Product | Term | Rate | APR | Points* |
| 10-Year ARM | 360 |
5.875%
payment example |
6.177% | -0.125 |
| 360 |
6.125%
payment example |
6.296% | -0.875 | |
| 7-Year ARM | 360 |
5.750%
payment example |
6.292% | 0.625 |
| 360 |
6.000%
payment example |
6.349% | -0.125 | |
| 5-Year ARM | 360 |
5.500%
payment example |
6.285% | 0.500 |
| 360 |
5.750%
payment example |
6.324% | -0.125 | |
Footnotes Adjustable Rate Mortgage |
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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
| Product | Term | Rate | APR | Points* |
| 30 Year Fixed Rate Mortgage | 360 |
6.250%
payment example |
6.342% | 0.280 |
| 360 |
6.750%
payment example |
6.826% | 0.078 | |
Footnotes Fixed Rate Mortgage |
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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
| Product | Term | Rate | APR | Points |
| 15yr Jumbo Fixed Rate Conventional | 180 |
5.625%
payment example |
5.860% | 1.125 |
| 180 |
6.000%
payment example |
6.062% | 0.000 | |
| 30yr Jumbo Fixed Rate Mortgage | 360 |
6.000%
payment example |
6.120% | 0.875 |
| 360 |
6.250%
payment example |
6.265% | -0.250 | |
Footnotes Jumbo - Fixed Rate Mortgage |
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| Product | Term | Rate | APR | Points |
| 5-Year Jumbo ARM | 360 |
5.125%
payment example |
6.545% | 1.875 |
| 360 |
5.500%
payment example |
6.563% | 0.500 | |
| 7-Year Jumbo ARM | 360 |
5.375%
payment example |
6.427% | 1.750 |
| 360 |
5.625%
payment example |
6.460% | 0.750 | |
| 10-Year Jumbo ARM | 360 |
5.625%
payment example |
6.328% | 1.625 |
| 360 |
5.875%
payment example |
6.373% | 0.375 | |
Footnotes Jumbo - Adjustable Rate Mortgage |
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VHDA
| Product | Term | Rate | APR | Points* |
| 30 Year FHA Fixed Rate | 360 |
6.500%
payment example |
6.545% | -0.250 |
| 360 |
6.625%
payment example |
6.625% | -0.750 | |
| FHA Plus 30 Year Fixed Rate Second Mortgage | 360 |
6.625%
payment example |
6.720% | 0.250 |
| 360 |
6.750%
payment example |
6.797% | -0.250 | |
Footnotes VHDA |
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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
| Product | Term | Rate | APR | Points* |
| 30 Year USDA-Rural Development Fixed Rate | 360 |
6.000%
payment example |
6.151% | 0.881 |
| 360 |
6.250%
payment example |
6.281% | -0.405 | |
Footnotes USDA-Rural Development |
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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
| Product | Term | Rate | APR | Points* |
| 30 Year Fixed Rate | 360 |
5.875%
payment example |
6.082% | 1.739 |
| 360 |
6.250%
payment example |
6.366% | 0.738 | |
Footnotes VA |
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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
| Product | Term | Rate | APR | Points* |
| 30 Year No Closing Cost Refinance Fixed Rate | 360 |
7.500%
payment example |
7.566% | 0.338 |
| 360 |
7.875%
payment example |
7.875% | -0.635 | |
| 15 Year No Closing Cost Refinance Fixed Rate | 180 |
6.500%
payment example |
6.755% | 1.326 |
| 180 |
7.375%
payment example |
7.464% | 0.245 | |
Footnotes No Closing Cost Refinance Fixed Rate |
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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
| Product | Term | Rate | APR | Points* |
| 30 Year Fixed Rate | 360 |
6.375%
payment example |
6.575% | 1.441 |
| 360 |
6.625%
payment example |
6.744% | 0.590 | |
| 20 Year Fixed Rate | 240 |
6.000%
payment example |
6.286% | 1.662 |
| 240 |
6.375%
payment example |
6.538% | 0.664 | |
| 15 Year Fixed Rate | 180 |
5.750%
payment example |
6.033% | 1.118 |
| 180 |
6.250%
payment example |
6.354% | -0.042 | |
| 10 Year Fixed Rate | 120 |
5.750%
payment example |
6.133% | 1.039 |
| 120 |
6.250%
payment example |
6.375% | -0.141 | |
Footnotes Conventional |
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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.
| Product | Term | Rate | APR | Points* |
| 10-Year ARM | 360 |
5.625%
payment example |
6.189% | 1.750 |
| 360 |
5.875%
payment example |
6.271% | 0.875 | |
| 7-Year ARM | 360 |
5.500%
payment example |
6.258% | 1.625 |
| 360 |
5.750%
payment example |
6.315% | 0.875 | |
| 5-Year ARM | 360 |
5.250%
payment example |
6.328% | 2.000 |
| 360 |
5.500%
payment example |
6.344% | 1.125 | |
Footnotes Adjustable Rate Mortgage |
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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
| Product | Term | Rate | APR | Points |
| 15yr Jumbo Fixed Rate Conventional | 180 |
5.625%
payment example |
5.999% | 2.000 |
| 180 |
6.000%
payment example |
6.200% | 0.875 | |
| 30yr Jumbo Fixed Rate Mortgage | 360 |
6.000%
payment example |
6.203% | 1.750 |
| 360 |
6.250%
payment example |
6.348% | 0.625 | |
Footnotes Jumbo - Fixed Rate Mortgage |
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| Product | Term | Rate | APR | Points |
| 5-Year Jumbo ARM | 360 |
5.125%
payment example |
6.569% | 2.125 |
| 360 |
5.500%
payment example |
6.586% | 0.750 | |
| 7-Year Jumbo ARM | 360 |
5.375%
payment example |
6.450% | 2.000 |
| 360 |
5.625%
payment example |
6.484% | 1.000 | |
| 10-Year Jumbo ARM | 360 |
5.625%
payment example |
6.351% | 1.875 |
| 360 |
5.875%
payment example |
6.397% | 0.625 | |
Footnotes Jumbo - Adjustable Rate Mortgage |
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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.?
| Product | Minimum Opening Deposit | Minimum to Earn APY | Rate | Annual Percentage Yield (APY)* | Compounding Frequency |
| Checking Plus | $20 | $1 | 0.050% | 0.05% | Monthly |
| Checking Plus | $20 | $5000 | 0.250% | 0.25% | Monthly |
| Enhanced Benefit Checking | $20 | $1 | 0.050% | 0.05% | Monthly |
| Enhanced Benefit Checking | $20 | $5000 | 0.250% | 0.25% | Monthly |
| Extra Credit Checking (ages 13-22)** | $20 | $1 | 0.050% | 0.05% | Monthly |
| Extra Credit Checking (ages 13-22) | $20 | $5000 | 0.250% | 0.25% | Monthly |
Checking Rates Footnotes |
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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
| Product | Minimum Opening Deposit | Minimum to Earn APY | Rate | Annual Percentage Yield (APY)* | Compounding Frequency |
| Regular Savings | $5 | $100 | 0.050% | 0.05% | Quarterly |
| Regular Savings | $5 | $500 | 0.400% | 0.40% | Quarterly |
Regular Savings Rates Footnotes |
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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.
| Product | Minimum Opening Deposit | Minimum to Earn APY | Rate | Annual Percentage Yield (APY)* | Compounding Frequency |
| Premium Money Market | $10000 | $100 | 0.050% | 0.05% | Monthly |
| Premium Money Market | $10000 | $10000 | 1.240% | 1.25% | Monthly |
| Premium Plus Money Market | $25000 | $100 | 0.050% | 0.05% | Monthly |
| Premium Plus Money Market | $25000 | $25000 | 1.736% | 1.75% | Monthly |
| Premium Plus Money Market | $25000 | $50000 | 1.982% | 2.00% | Monthly |
| Premium Plus Money Market | $25000 | $100000 | 2.227% | 2.25% | Monthly |
| Premium Plus Money Market | $25000 | $250000 | 2.570% | 2.60% | Monthly |
Money Market Savings Rates Footnotes |
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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.
| Product | Minimum Opening Deposit | Minimum to Earn APY | Rate | Annual Percentage Yield (APY)* | Compounding Frequency |
| 6 month certificate** | $500 | $500 | 2.133% | 2.15% | Quarterly |
| 6 month certificate | $5000 | $5000 | 2.133% | 2.15% | Monthly |
| 6 month certificate | $50000 | $50000 | 2.227% | 2.25% | Monthly |
| 6 month certificate | $100000 | $100000 | 2.325% | 2.35% | Monthly |
| 12 month certificate*** | $500 | $500 | 3.698% | 3.75% | Quarterly |
| 12 month certificate | $5000 | $5000 | 3.698% | 3.76% | Monthly |
| 12 month certificate | $50000 | $50000 | 3.784% | 3.85% | Monthly |
| 12 month certificate | $100000 | $100000 | 3.880% | 3.95% | Monthly |
| 24 Month Certificate | $500 | $500 | 3.211% | 3.25% | Quarterly |
| 24 Month Certificate | $5000 | $5000 | 3.211% | 3.26% | Monthly |
| 24 Month Certificate | $50000 | $50000 | 3.300% | 3.35% | Monthly |
| 24 Month Certificate | $100000 | $100000 | 3.397% | 3.45% | Monthly |
| 36 month certificate | $500 | $500 | 3.260% | 3.30% | Quarterly |
| 36 month certificate | $5000 | $5000 | 3.260% | 3.31% | Monthly |
| 36 month certificate | $50000 | $50000 | 3.348% | 3.40% | Monthly |
| 36 month certificate | $100000 | $100000 | 3.445% | 3.50% | Monthly |
| 48 month certificate | $500 | $500 | 3.260% | 3.30% | Quarterly |
| 48 month certificate | $5000 | $5000 | 3.260% | 3.31% | Monthly |
| 48 month certificate | $50000 | $50000 | 3.348% | 3.40% | Monthly |
| 48 month certificate | $100000 | $100000 | 3.445% | 3.50% | Monthly |
| 60 month certificate | $500 | $500 | 3.552% | 3.60% | Quarterly |
| 60 month certificate | $5000 | $5000 | 3.552% | 3.61% | Monthly |
| 60 month certificate | $50000 | $50000 | 3.639% | 3.70% | Monthly |
| 60 month certificate | $100000 | $100000 | 3.735% | 3.80% | Monthly |
| 84 month certificate | $500 | $500 | 3.504% | 3.55% | Quarterly |
| 84 month certificate | $5000 | $5000 | 3.504% | 3.56% | Monthly |
| 84 month certificate | $50000 | $50000 | 3.590% | 3.65% | Monthly |
| 84 month certificate | $100000 | $100000 | 3.687% | 3.75% | Monthly |
Savings Certificate Rates Footnotes |
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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.
| Product | Minimum Opening Deposit | Minimum to Earn APY | Rate | Annual Percentage Yield (APY)* | Compounding Frequency |
| 12 month IRA | $100 | $100 | 3.698% | 3.75% | Quarterly |
| 12 month IRA | $5000 | $5000 | 3.698% | 3.76% | Monthly |
| 12 month IRA | $50000 | $50000 | 3.784% | 3.85% | Monthly |
| 12 month IRA | $100000 | $100000 | 3.880% | 3.95% | Monthly |
| 18 month variable IRA | $500 | $500 | 2.477% | 2.50% | Quarterly |
| 18 month variable IRA | $5000 | $5000 | 2.477% | 2.51% | Monthly |
| 18 month variable IRA | $50000 | $50000 | 2.570% | 2.60% | Monthly |
| 18 month variable IRA | $100000 | $100000 | 2.667% | 2.70% | Monthly |
| 24 month IRA | $100 | $100 | 3.211% | 3.25% | Quarterly |
| 24 month IRA | $5000 | $5000 | 3.211% | 3.26% | Monthly |
| 24 month IRA | $50000 | $50000 | 3.300% | 3.35% | Monthly |
| 24 month IRA | $100000 | $100000 | 3.397% | 3.45% | Monthly |
| 36 month IRA | $100 | $100 | 3.260% | 3.30% | Quarterly |
| 36 month IRA | $5000 | $5000 | 3.260% | 3.31% | Monthly |
| 36 month IRA | $50000 | $50000 | 3.348% | 3.40% | Monthly |
| 36 month IRA | $100000 | $100000 | 3.445% | 3.50% | Monthly |
| 48 month IRA | $100 | $100 | 3.260% | 3.30% | Quarterly |
| 48 month IRA | $5000 | $5000 | 3.260% | 3.31% | Monthly |
| 48 month IRA | $50000 | $50000 | 3.348% | 3.40% | Monthly |
| 48 month IRA | $100000 | $100000 | 3.445% | 3.50% | Monthly |
| 60 month IRA | $100 | $100 | 3.552% | 3.60% | Quarterly |
| 60 month IRA | $5000 | $5000 | 3.552% | 3.61% | Monthly |
| 60 month IRA | $50000 | $50000 | 3.639% | 3.70% | Monthly |
| 60 month IRA | $100000 | $100000 | 3.735% | 3.80% | Monthly |
| 84 month IRA | $100 | $100 | 3.504% | 3.55% | Quarterly |
| 84 month IRA | $5000 | $5000 | 3.504% | 3.56% | Monthly |
| 84 month IRA | $50000 | $50000 | 3.590% | 3.65% | Monthly |
| 84 month IRA | $100000 | $100000 | 3.687% | 3.75% | Monthly |
Individual Retirement Account Rates Footnotes |
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A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account.
For more information, contact us.
Health Savings Account
| Product | Minimum Opening Deposit | Minimum to Earn APY | Rate | Annual Percentage Yield (APY)* | Compounding Frequency | |
| Health Savings Account | $5 | $100 | 1.240% | 1.25% | Quarterly | |
Health Savings Account Rates Footnotes |
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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.?
| Product | Minimum Opening Deposit | Minimum to Earn APY | Rate | Annual Percentage Yield (APY)* | Compounding Frequency |
| Business Money Market | $100 | $100 | 0.050% | 0.05% | Monthly |
| Business Money Market | $100 | $1500 | 0.390% | 0.40% | Monthly |
| Business Money Market | $100 | $10000 | 0.790% | 0.80% | Monthly |
| Commercial Money Market | $100 | $100 | 0.050% | 0.05% | Monthly |
| Commercial Money Market | $100 | $25000 | 1.040% | 1.05% | Monthly |
| Commercial Money Market | $100 | $50000 | 1.190% | 1.20% | Monthly |
| Commercial Money Market | $100 | $100000 | 1.340% | 1.35% | Monthly |
| Commercial Money Market | $100 | $250000 | 1.480% | 1.50% | Monthly |
Business Money Market Rates Footnotes |
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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.
| Product | Minimum Opening Deposit | Minimum to Earn APY | Rate | Annual Percentage Yield (APY)* | Compounding Frequency |
| 6 month certificate** | $500 | $500 | 2.133% | 2.15% | Quarterly |
| 6 month certificate | $5000 | $5000 | 2.133% | 2.15% | Monthly |
| 6 month certificate | $50000 | $50000 | 2.227% | 2.25% | Monthly |
| 6 month certificate | $100000 | $100000 | 2.325% | 2.35% | Monthly |
| 12 month certificate*** | $500 | $500 | 3.698% | 3.75% | Quarterly |
| 12 month certificate | $5000 | $5000 | 3.698% | 3.76% | Monthly |
| 12 month certificate | $50000 | $50000 | 3.784% | 3.85% | Monthly |
| 12 month certificate | $100000 | $100000 | 3.880% | 3.95% | Monthly |
| 24 month certificate | $500 | $500 | 3.211% | 3.25% | Quarterly |
| 24 month certificate | $5000 | $5000 | 3.211% | 3.26% | Monthly |
| 24 month certificate | $50000 | $50000 | 3.300% | 3.35% | Monthly |
| 24 month certificate | $100000 | $100000 | 3.397% | 3.45% | Monthly |
| 36 month certificate | $500 | $500 | 3.260% | 3.30% | Quarterly |
| 36 month certificate | $5000 | $5000 | 3.260% | 3.31% | Monthly |
| 36 month certificate | $50000 | $50000 | 3.348% | 3.40% | Monthly |
| 36 month certificate | $100000 | $100000 | 3.445% | 3.50% | Monthly |
| 48 month certificate | $500 | $500 | 3.260% | 3.30% | Quarterly |
| 48 month certificate | $5000 | $5000 | 3.260% | 3.31% | Monthly |
| 48 month certificate | $50000 | $50000 | 3.348% | 3.40% | Monthly |
| 48 month certificate | $100000 | $100000 | 3.445% | 3.50% | Monthly |
| 60 month certificate | $500 | $500 | 3.552% | 3.60% | Quarterly |
| 60 month certificate | $5000 | $5000 | 3.552% | 3.61% | Monthly |
| 60 month certificate | $50000 | $50000 | 3.639% | 3.70% | Monthly |
| 60 month certificate | $100000 | $100000 | 3.735% | 3.80% | Monthly |
| 84 month certificate | $500 | $500 | 3.504% | 3.55% | Quarterly |
| 84 month certificate | $5000 | $5000 | 3.504% | 3.56% | Monthly |
| 84 month certificate | $50000 | $50000 | 3.590% | 3.65% | Monthly |
| 84 month certificate | $100000 | $100000 | 3.687% | 3.75% | Monthly |
Business Savings Certificate Rates Footnotes |
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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.
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.