Personal Rates
Deposit Rates
Savings Accounts Rates
Effective Date: Friday, October 31st, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield | Dividend Rate |
|---|---|---|
| Prime Savings* | 0.05% | 0.05% |
| Special Savings | 0.05% | 0.05% |
| Vacation Club | 0.05% | 0.05% |
| Christmas Club | 0.05% | 0.05% |
| *$5 minimum opening deposit required. $5 minimum balance required after account opening. | ||
| Minimum to earn dividends is $50 | ||
Health Savings Account Rates
Effective Date: Friday, October 31st, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|---|
| HSA Savings | 0.05% | 0.05% | $50 |
| HSA Checking Tiered Rates | |||
| 0.25% | 0.25% | $1 - $4,999.99 | |
| 1.00% | 1.00% | $5,000 - $9,999.99 | |
| 1.11% | 1.10% | $10,000+ | |
Money Market Account Rates
Effective Date: Friday, October 31st, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
| Annual Percentage Yield | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|
| 0.05% | 0.05% | $2,500 - $9,999.99 |
| 0.15% | 0.15% | $10,000 - $24,999.99 |
| 0.20% | 0.20% | $25,000 - $49,999.00 |
| 1.00% | 1.00% | $50,000 - $99,999.99 |
| 1.25% | 1.24% | $100,000+ |
IRA Share Rates
Effective Date: Friday, October 31st, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield | Dividend Rate |
|---|---|---|
| Coverdell ESA | 0.50% | 0.50% |
| Traditional | 0.50% | 0.50% |
| Roth | 0.50% | 0.50% |
| *$1 minimum opening deposit required | ||
| Minimum to earn dividends is $1 | ||
Certificate Rates
Effective Date: Friday, October 31st, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
| Certificates Terms | APY | Dividend Rate | APY | Dividend Rate |
|---|---|---|
| Minimum balance to open a certificate is $500 | ||
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| 90-Day Certificate | 0.80% | 0.80% | 0.55% | 0.55% |
| 6-Month Certificate | 0.85% | 0.85% | 0.60% | 0.60% |
| 9-Month Certificate | 1.50% | 1.49% | 1.25% | 1.24% |
| 12-Month Certificate | 4.25% | 4.17% | 4.00% | 3.93% |
| 18-Month Certificate | 3.50% | 3.44% | 3.25% | 3.20% |
| 24-Month Certificate | 3.50% | 3.44% | 3.25% | 3.20% |
| 30-Month Certificate | 3.25% | 3.20% | 3.00% | 2.96% |
| 36-Month Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
| 48-Month Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
| 60-Month Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
Traditional, Roth & Coverdell Certificates Rates
Effective Date: Friday, October 31st, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
| Traditional, Roth & Coverdell Certificate Term | APY | Dividend Rate | APY | Dividend Rate |
|---|---|---|
| Minimum balance to open an IRA certificate is $500 | ||
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| 12-Month IRA/ESA Certificate | 4.50% | 4.41% | 4.25% | 4.17% |
| 18-Month IRA/ESA Certificate | 3.50% | 3.44% | 3.25% | 3.20% |
| 24-Month IRA/ESA Certificate | 3.50% | 3.44% | 3.25% | 3.20% |
| 30-Month IRA/ESA Certificate | 3.25% | 3.20% | 3.00% | 3.20% |
| 36-Month IRA/ESA Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
| 48-Month IRA/ESA Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
| 60-Month IRA/ESA Certificate | 3.00% | 2.96% | 2.75% | 2.72% |
Checking Accounts
Effective Date: Friday, October 31st, 2025
Subject to change. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|---|
| Interest Checking | 0.10% | 0.10% | $500 |
| HSA Checking Tiered Rates | 0.25% | 0.25% | $0 - $4,999.99 |
| 1.00% | 1.00% | $5,000 - $9,999.99 | |
| 1.11% | 1.10% | $10,000+ |
Visa® Credit Card Rates
Visa® Credit Cards Rates
Effective Date: Friday, October 31st, 2025
| Name | Annual Percentage Rate (APR) |
|---|---|
| Visa® Platinum | As low as 11.99% (Prime + 4.74)* |
| Visa® Signature | As low as 14.15% (Prime + 6.90)* |
| *Rates are based on credit score. Your rate may be higher. | |
Loan Rates
Personal Loan Rates
Effective Date: Friday, October 31st, 2025
Subject to change.
| intentionally empty table header | Signature Loans | Share/Certificate Secured Loan | Credit Builder Plus Loan | Open End Line of Credit |
|---|---|---|---|---|
| Amount | $1,500 minimum | $1,000 minimum | $1,000 - $5,000 | $500 - $8,000 |
| Annual Percentage Rate (APR) | As low as 12.24%* | 2% over share or certificate rate | 7.25% | 11.90% |
| *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR. | ||||
Vehicle Loan Rates
Effective Date: Friday, October 31st, 2025
Subject to change. Vehicle Loans include Autos, Boats, RVs, Motorcycles, Tractors, etc.
| Loan | Annual Percentage Rate (APR) | Minimum Amount |
|---|---|---|
| New Vehicle Loans | As low as 4.49% | $5,000 |
| Used Vehicle Loans | As low as 5.49% | $5,000 |
| *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR. | ||
| New vehicle rates include model years 2020-2025, used vehicle rates include model years 2015-2019 | ||
Student Loan Refinance Rate
Effective Date: Friday, October 31st, 2025
Subject to change.
| Annual Percentage Rate | Loan Amount | Maximum Term |
|---|---|---|
| As low as 5.74% | $5,000 - $100,000 | 10 years |
| Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes automatic payment discount of 2.00% APR. | ||
Home Loan Rates
Home Equity Rates
Effective Date: Friday, October 31st, 2025
Subject to change. All rates shown as Annual Percentage Rate (APR).
| intentionally empty table header | Home Equity Loan | Home Equity Visa® Line of Credit* |
|---|---|---|
| Amount | $5,000 minimum | $5,000 minimum |
| Annual Percentage Rate (APR) | As low as 6.74% APR | Prime rate + 0% variable rate with 5.99% floor |
| Early Closure Fee | Fee charged equal to closing fees if closed in the first two years | |
| *Interest rate is adjusted annually. | ||
Mortgage Rates (Fixed)
Effective Date: Friday, October 31st, 2025
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Fixed Rate Loans Conforming and Government | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 30-Year Fixed | 6.375% | 6.565% |
| 20-Year Fixed | 6.000% | 6.247% |
| 15-Year Fixed | 5.750% | 6.058% |
| 30-Year USDA | 6.750% | 7.529% |
| Home Ready | 6.750% | 6.946% |
| 1-Time Construction (Other) | 6.375% | 6.568% |
| 30-Year FHA | 6.625% | 7.705% |
| 30-Year VA | 6.500% | 6.843% |
| Lot loans - Please contact our morgtage department for rates. | ||
Mortgage Rates (Adjustable)
Effective Date: Friday, October 31st, 2025
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Adjustable-Rate Mortgages | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 30-Year 1/1 ARM | 5.500% | 5.680% |
| 15-Year 1/1 ARM | 5.375% | 5.680% |
| 30-Year 3/1 ARM | 5.750% | 5.933% |
| 15-Year 3/1 ARM | 5.500% | 5.806% |
| 30-Year 5/1 ARM | 5.875% | 6.059% |
| 15-Year 5/1 ARM | 5.625% | 5.932% |
| 30-Year 5/5 ARM | 6.250% | 6.439% |
| 15-Year 5/5 ARM | 5.750% | 6.058% |
| 30-Year 7/1 ARM | 6.500% | 6.691% |
| 15-Year 7/1 ARM | 5.750% | 6.058% |
Private Banking Professional Mortgage Rates
Effective Date: Friday, October 31st, 2025
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
| Name | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 15-Year Fixed | 5.750% | 6.058% |
| 30-Year 5/1 ARM | 5.500% | 5.806% |
| 30-Year 7/1 ARM | 5.875% | 6.185% |
Business Rates
Deposit Rates
Savings Rates
Effective Date: Friday, October 31st, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|---|
| Business Prime Savings* | 0.05% | 0.05% | $50 |
| Business Money Market Accounts** Tiered Rates | |||
| 0.05% | 0.05% | $100 - $9,999.99 | |
| 0.15% | 0.15% | $10,000 - $24,999.99 | |
| 0.25% | 0.25% | $25,000 - $49,999.99 | |
| 0.35% | 0.35% | $50,000 - $99,999.99 | |
| 3.00% | 2.96% | $100,000+ | |
| *$5 minimum opening deposit required | |||
| **$100 minimum opening deposit | |||
Certificate Rates
Effective Date: Friday, October 31st, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
| Certificates Terms | Annual Percentage Yield | Dividend Rate |
|---|---|---|
| 12-Month Business Certificate | 4.00% | 3.93% |
| 18-Month Business Certificate | 3.25% | 3.20% |
| 24-Month Business Certificate | 3.25% | 3.20% |
| 30-Month Business Certificate | 3.00% | 2.96% |
| 36-Month Business Certificate | 2.75% | 2.72% |
| 48-Month Business Certificate | 2.75% | 2.72% |
| 60-Month Business Certificate | 2.75% | 2.72% |
| Minimum balance to open a Business Certificate is $500 | ||
Checking Rates
Effective Date: Friday, October 31st, 2025
Subject to change. APY = Annual Percentage Yield. Dividends are calculated daily and credited monthly.
| Type of Account | Annual Percentage Yield | Dividend Rate | Minimum to Earn Dividends |
|---|---|---|---|
| Business Checking* | 0.15% | 0.15% | $10,000 |
| Non-Profit Checking* Tiered Rates | |||
| 0.15% | 0.15% | $5,000 - $24,999.99 | |
| 0.25% | 0.25% | $25,000 - $49,999.99 | |
| 0.35% | 0.35% | $50,000 - $99,999.99 | |
| 3.00% | 2.96% | $100,000+ | |
| *$100 minimum opening deposit | |||