Loan Rates

Loan Rates
Deposit Rates

Rates are effective as of July 1, 2025.

Rates are effective as of April 18, 2025.

All rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications.

Checking Accounts

Account Type
Dividend Rate
APY*
Min/Max Balance
Notes
No items found.

Savings Accounts

Account Type
Dividend Rate
APY*
Notes
Main Share
Dividend Rate
0.050%
APY*
0.05%
Notes

If average daily balance is over $100

‍

Holiday Club
Dividend Rate
0.050%
APY*
0.05%
Notes
Rising Tide Youth Share
Dividend Rate
9.569%
APY*
10.00%
Notes

Balance: $5 - $1,000

‍

Rate = 0.050% | APY* 0.05% for

balances $1,000.01 & over.

Money Market ($1,000-$9,999)
Dividend Rate
0.499%
APY*
0.50%
Notes
Money Market ($10,000-$24,999)
Dividend Rate
0.747%
APY*
0.75%
Notes
Money Market ($25,000-$49,999)
Dividend Rate
0.995%
APY*
1.00%
Notes
Money Market ($50,000-$99,999)
Dividend Rate
1.243%
APY*
1.25%
Notes
Money Market ($100,000-$249,999)
Dividend Rate
1.490%
APY*
1.50%
Notes
Money Market ($250,000 +)
Dividend Rate
2.960%
APY*
3.00%
Notes

‍Share Certificates

Account Type
Dividend Rate
APY*
Notes
60-Month Share Certificate
Dividend Rate
2.472%
APY*
2.50%
Notes
48-Month Share Certificate
Dividend Rate
2.618%
APY*
2.65%
Notes
36-Month Share Certificate
Dividend Rate
2.960%
APY*
3.00%
Notes
24-Month Share Certificate
Dividend Rate
2.960%
APY*
3.00%
Notes
12-Month Share Certificate
Dividend Rate
3.542%
APY*
3.60%
Notes
6-Month Share Certificate
Dividend Rate
3.784%
APY*
3.85%
Notes
90-Day Share Certificate
Dividend Rate
3.445%
APY*
3.50%
Notes

IRAs

Account Type
Dividend Rate
APY*
Notes
IRA Accumulation
Dividend Rate
0.955%
APY*
1.00%
Notes
60-Month IRA Certificate
Dividend Rate
2.472%
APY*
2.50%
Notes
48-Month IRA Certificate
Dividend Rate
2.618%
APY*
2.65%
Notes
36-Month IRA Certificate
Dividend Rate
2.960%
APY*
3.00%
Notes
24-Month IRA Certificate
Dividend Rate
2.960%
APY*
3.00%
Notes
12-Month IRA Certificate
Dividend Rate
3.542%
APY*
3.60%
Notes
6-Month IRA Certificate
Dividend Rate
3.784%
APY*
3.85%
Notes
90-Day IRA Certificate
Dividend Rate
3.445%
APY*
3.50%
Notes

Auto Loans

Loan Type
APR* as low as
Terms
Notes
Autos (New 2024-2025)
APY*
3.95%
-
18.00%
Terms Up To
Up to 84 Months
Notes
Autos (Used 2021-2025)
APY*
4.95%
-
18.00%
Terms Up To
Up to 84 Months
Notes
Autos (Used 2016-2020)
APY*
5.95%
-
18.00%
Terms Up To
Up to 72 Months
Notes

Motorcycle, Boat, RVs

Loan Type
APR* as low as
Terms
Notes
Motorcycles
APY*
5.55%
-
18.00%
Terms Up To
Up to 72 Months
Notes
Boats
APY*
5.55%
-
18.00%
Terms Up To
Up to 180 Months
Notes
Recreational Vehicles
APY*
5.55%
-
18.00%
Terms Up To
Up to 180 Months
Notes

Personal Loans

Loan Type
APR* as low as
Terms
Notes
Credit Builder Loan
APY*
14.70%
 
Terms Up To
12 Months
Notes
First-Chance Loan
APY*
12.70%
 
Terms Up To
Notes

Call for Terms

Lifestyle Loan
APY*
7.10%
 
Terms Up To
Up to 48 Months
Notes
Signature Loan
APY*
9.30%
 
18.00%
Terms Up To
Up to 60 Months
Notes

Student Loans

Loan Type
APR*
Terms
Notes
No items found.

Business Loans

Loan Type
APR*
Terms
Notes
No items found.