APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com.

Source: https://www.americu.org/current-rates/
Read: 2026-10-22T16:20:45.000Z

AmeriCONNECT Visa Signature Rewards Card** | APR* | Annual Fee
Introductory Variable APR for purchases within the first 12 months of opening | 0% | $0
Introductory Variable APR for balance transfers within the first 60 days of opening | 0% | $0
Standard Variable APR | 14.90%-17.99% | $0
**0% Introductory APR is valid on purchases made within the first 12-months and balance transfers made within the first 60-days of card opening. Offer is not valid on existing cards or balance transfers made from existing AmeriCU credit cards or loans. When the introductory period expires, APR will revert back to the Standard APR. Standard APR may vary and is based on adding a margin to the Prime Rate. Standard APR will not exceed 17.99% APR. A 3% APR balance transfer fee will be applied to any balance transfers made within the first 60 days of account opening. The APR range for purchases and balance transfers following the introductory period is 14.90%-17.99%. Rates are determined by creditworthiness and other factors at time of application. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July, and October) and changes are effective as of the first date of your next billing cycle. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee is $10.00 or 3% of the amount of each cash advance, whichever is greater. 20,000 Bonus Reward Points applied when $1,000 is spent in the first 90-days.
AmeriCONNECT Visa Secured Card** | APR* | Annual Fee
Non-Variable APR | As low as 15.90% | $0
**Rates are determined by creditworthiness and other factors at time of application. The Annual Percentage Rate (APR) for purchases and balance transfers is 15.90%. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater.
AmeriCONNECT Visa Rewards Card** | APR* | Annual Fee
Introductory Variable APR for purchases within the first 12 months of opening | 0% | $0
Introductory Variable APR for balance transfers within the first 60 days of opening | 0% | $0
Standard Variable APR | 16.90%-17.99% | $0
**0% Introductory APR is valid on purchases made within the first 12-months and balance transfers made within the first 60-days of card opening. Offer is not valid on existing cards or balance transfers made from existing AmeriCU credit cards or loans. When the introductory period expires, APR will revert back to the Standard APR. Standard APR may vary and is based on adding a margin to the Prime Rate. Standard APR will not exceed 17.99% APR. A 3% APR balance transfer fee will be applied to any balance transfers made within the first 60 days of account opening. The APR range for purchases and balance transfers following the introductory period is 16.90%-17.99%. Rates are determined by creditworthiness and other factors at time of application. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July, and October) and changes are effective as of the first date of your next billing cycle. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee is $10.00 or 3% of the amount of each cash advance, whichever is greater. 10,000 Bonus Reward Points applied when $500 is spent in the first 90-days.
AmeriCONNECT Visa Card** | APR* | Annual Fee
Introductory Variable APR for purchases within the first 6 months of opening | 1.99%-4.99% | $0
Introductory Variable APR for balance transfers within the first 60 days of opening | 1.99%-4.99% | $0
Standard Variable APR | 11.90%-17.99% | $0
**1.99-4.99% Introductory APR is based on credit score and is valid on purchases made within the first 6-months and balance transfers made within the first 60-days of card opening. Offer is not valid on existing cards or balance transfers made from existing AmeriCU credit cards or loans. When introductory period expires, APR will revert back to the Standard APR. Standard APR may vary and is based on adding a margin to the Prime Rate. Standard APR will not exceed 17.99% APR. The APR range for purchases and balance transfers following the introductory period is 11.90%-17.99%. Rates are determined by creditworthiness and other factors at time of application. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July, and October) and changes are effective as of the first date of your next billing cycle. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater.
Share Savings | Minimum to Earn APY | APY* | Dividend Yield
$0.01 min. balance to open | $50 – $999.99 | 0.01% | 0.01%
$1,000 – $2,499.99 | 0.03% | 0.03%
$2,500.00 – $4,999.99 | 0.05% | 0.05%
$5,000 and up | 0.10% | 0.10%
Stars and Stripes Share Savings | Minimum to Earn APY | APY* | Dividend Yield
For members age 0-12. | $0.01 – $999.99 | 0.01% | 0.01%
$0.01 min. balance to open | $1,000 – $2,499.99 | 0.03% | 0.03%
$2,500.00 – $4,999.99 | 0.05% | 0.05%
$5,000 and up | 0.10% | 0.10%
Rising Stars Share Savings | Minimum to Earn APY | APY* | Dividend Yield
For members age 13-17. | $0.01 – $999.99 | 0.01% | 0.01%
$0.01 min, balance to open. | $1,000 – $2,499.99 | 0.03% | 0.03%
$2,500.00 – $4,999.99 | 0.05% | 0.05%
$5,000 and up | 0.10% | 0.10%
Holiday & Vacation Clubs | Minimum to Earn APY | APY* | Dividend Yield
$50 – $999.99 | 0.01% | 0.01%
$1,000 – $2,499.99 | 0.03% | 0.03%
$2,500.00 – $4,999.99 | 0.05% | 0.05%
$5,000 and up | 0.10% | 0.10%
Health Savings Accounts** | Minimum to Earn APY | APY* | Dividend Yield
$25.00 to $2,499.99 | 1.00% | 1.00%
$2,500.00 to $4,999.99 | 1.10% | 1.09%
$5,000.00 to $9,999.99 | 1.20% | 1.19%
$10,000.00 to $49,999.99 | 1.30% | 1.29%
$50,000.00 to $99,999.99 | 1.40% | 1.39%
$100,000.00 and up | 1.50% | 1.49%
Secured Visa Savings Share Accounts*** | Minimum to Earn APY | APY* | Dividend Yield
$50 – $999.99 | 0.01% | 0.01%
$1,000 – $2,499.99 | 0.03% | 0.03%
$2,500.00 – $4,999.99 | 0.05% | 0.05%
$5,000.00 and up | 0.10% | 0.10%
*APY = Annual Percentage Yield. Savings accounts have variable rates and, if applicable, pay dividends compounded and paid monthly. Rates current as of 22nd October 2026. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings.
MINIMUM TO EARN APY | PREMIUM DIVIDEND RATE | PREMIUM APY* | STANDARD DIVIDEND RATE | STANDARD APY*
$0.01 – $9,999.99 | 0.25% | 0.25% | 0.25% | 0.25%
$10,000.00 – $24,999.99 | 1.24% | 1.25% | 0.40% | 0.40%
$25,000.00 – $49,999.99 | 1.49% | 1.50% | 0.50% | 0.50%
$50,000.00 – $99,999.99 | 1.98% | 2.00% | 0.60% | 0.60%
$100,000.00 – $249,999.99 | 2.47% | 2.50% | 0.80% | 0.80%
$250,000.00 – $999,999.99 | 2.72% | 2.75% | 0.90% | 0.90%
$1,000,000.00 and up | 2.96% | 3.00% | 1.00% | 1.00%
*Annual Percentage Yields (APYs) accurate as of 4/1/26 and are subject to change without notice. Rates may change after the account is opened. Fees may reduce earnings. Minimum balance requirements apply to each tier. To earn the premium APY you must be enrolled in e-statements and have a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle. If all requirements are met you will earn the premium APY: $0.01 – $9,999.99: 0.25% APY, $10,000.00 – $24,999.99: 1.25% APY, $25,000.00 – $49,999.99: 1.50% APY, $50,000.00 – $99,999.99: 2.00% APY, $100,000.00 – $249,999.99: 2.50% APY, $250,000.00 – $999,999.99: 2.75% APY, $1,000,000.00 and over: 3.00% APY. If requirements are NOT met: $0.01 – $9,999.99: 0.25% APY, $10,000.00 – $24,999.99: 0.40% APY, $25,000.00 – $49,999.99: 0.50% APY, $50,000.00 – $99,999.99: 0.60% APY, $100,000.00 – $249,999.99: 0.80% APY, $250,000.00 – $999,999.99: 0.90% APY, $1,000,000.00 and over: 1.00% APY. Membership eligibility required. Insured by NCUA.
Minimum to Earn APY | APY* | Dividend Rate
$0.01 – $499.99 | 0.01% | 0.01%
$500.00 – $999.99 | 0.01% | 0.01%
$1,000.00 – $2,499.99 | 0.03% | 0.03%
$2,500.00 – $9,999.99 | 0.25% | 0.25%
$10,000.00 – $24,999.99 | 0.40% | 0.40%
$25,000.00 – $49,999.99 | 0.50% | 0.50%
$50,000.00 – $99,999.99 | 0.60% | 0.60%
$100,000.00 – $249,999.99 | 0.80% | 0.80%
$250,000.00 – $999,999.99 | 0.90% | 0.90%
$1,000,000.00 and up | 1.00% | 1.00%
*APY = Annual Percentage Yield. This variable rate savings option pays dividends compounded and paid monthly. Rates current as of 22nd October 2026. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings on account.
Minimum to Earn APY | APY* | Dividend Yield
$25.00 to $2,499.99 | 1.00% | 1.00%
$2,500.00 to $4,999.99 | 1.24% | 1.25%
$5,000.00 to $9,999.99 | 1.49% | 1.50%
$10,000.00 to $49,999.99 | 1.74% | 1.75%
$50,000.00 to $99,999.99 | 1.98% | 2.00%
$100,000.00 and up | 2.23% | 2.25%
*APY = Annual Percentage Yield. This variable rate savings option pays dividends compounded and paid monthly. Rates current as of 22nd October 2026. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings on account.
Traditional, Tax-Free Roth & Coverdell ESAS | Minimum to Earn APY | APY* | Dividend Rate
Note-These are variable rate savings accounts. Rates are subject to change without notice. | $50 – $999.99 | 0.01% | 0.01%
$1,000 – $2,499.99 | 0.03% | 0.03%
$2,500 – $4,999.99 | 0.05% | 0.05%
$5,000 and up | 0.10% | 0.10%
*APY = Annual Percentage Yield. These accounts have variable rates and, if applicable, pay dividends compounded and paid monthly. Rates are current as of 22nd October 2026 and may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings.
CHECKING ACCOUNT | MINIMUM TO EARN APY | APY* | DIVIDEND RATE
Freedom Checking | 0 | 0.00% | 0.00%
Rewards Checking | 0 | 0.00% | 0.00%
High Rate Checking (Qualifications Met and Qualifying Loan)** | $0.01 – $10,000.00 | 7.00% | 6.78%
High Rate Checking (Qualifications Met)** | $0.01- $10,000.00 | 6.00% | 5.84%
High Rate Checking (No Qualify)** | $0.01- $10,000.00 | 0.05% | 0.05%
High Rate Checking (Qualifications Met and Qualifying Loan)** | $10,000.01 and Greater | 0.15% to 7.00% | 0.15%
High Rate Checking (Qualifications Met)** | $10,000.01 and Greater | 0.15% to 6.00% | 0.15%
High Rate Checking (No Qualify)** | $10,000.01 and Greater | 0.05% to 0.15% | 0.15%
HSA Checking*** | $25.00 to $2,499.99 | 1.00% | 1.00%
$2,500.00 to $4,999.99 | 1.10% | 1.09%
$5,000.00 to $9,999.99 | 1.20% | 1.19%
$10,000.00 to $49,999.99 | 1.30% | 1.29%
$50,000.00 to $99,999.99 | 1.40% | 1.39%
$100,000.00 and up | 1.50% | 1.49%
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates current as of 22nd October 2026 and are subject to change without notice. Rates may change after account is opened.
**Annual Percentage Yields (APY) are current as of February 1, 2025 and the rate may change after the account is opened. Earn 7.00% APY on balances up to $10,000 and 0.15% to 7.00% APY on balances over $10,000 in your account by meeting the below three requirements:
Have a minimum $5,000 loan in good standing (not including credit cards or student loans. The rate is 6.00% APY without a qualifying loan.)
If you don’t meet the above requirements, you’ll earn 0.05% APY on balances up to $10,000, and 0.05% to 0.15% APY on balances over $10,000.
TERM | APR* | PAYMENT PER $1,000
60 months | as low as 5.49% | $19.10
120 months | as low as 5.99% | $11.11
180 months | as low as 6.49% | $8.71
240 months | as low as 6.99% | $7.75
*APR = Annual Percentage Rate. Loan rates and terms are current as of August 19, 2025, and are based on each applicant’s credit history and underwriting guidelines, are subject to change without notice, and may vary from those shown. Extra .25% off with automatic payments from AmeriCU checking account.
Applications are subject to credit approval. Rates are based on a loan-to-value (LTV) up to 80%. 1st Lien or Home Equity loans are secured by a loan on property. Offer valid for primary and secondary/vacation residences in NY & FL only. For New York State properties, at loan closing, the Borrower will be required to pay the New York State Mortgage Tax due that exceeds 1% of the mortgage amount. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $269 to $5,510. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.
TERM | APR* | PAYMENT PER $1,000
60 months | as low as 5.74% | $19.22
120 months | as low as 6.24% | $11.23
180 months | as low as 6.74% | $8.85
240 months | as low as 7.24% | $7.90
*APR = Annual Percentage Rate. Loan rates and terms are current as of August 19, 2025, and are based on each applicant’s credit history and underwriting guidelines, are subject to change without notice, and may vary from those shown. Extra .25% off with automatic payments from AmeriCU checking account.
Applications are subject to credit approval. Rates are based on a loan-to-value (LTV) less first mortgage up to 100%. 2nd Lien or Home Equity loans are secured by a loan on property. Offer valid for primary and secondary/vacation residences in NY & FL only. For New York State properties, at loan closing, the Borrower will be required to pay the New York State Mortgage Tax due that exceeds 1% of the mortgage amount. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $269 to $5,510. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.
TERM | APR* | PAYMENT PER $1,000
60 | 7.74% | $20.16
120 | 8.24% | $12.27
180 | 8.74% | $10.00
240 | 8.99% | $9.00
*APR = Annual Percentage Rate. Loan rates and terms are current as of 22nd October 2026 and are based on each applicant’s credit history and underwriting guidelines, are subject to change without notice, and may vary from those shown. Extra .25% off with automatic payments from AmeriCU checking account.
Home Equity Line of Credit | Term in Months | APR* | Loan to Value | Draw Period
Introductory Rate | First 6 months | as low as 3.99% (After first 6 months, the APR will be 6.50% to 10.50% APR*) | Up to 80% | 120 months
As low as rate | 300 | Prime Rate | Up to 100% | 120 months
*Rates current as of December 15, 2025. Minimum line of credit is $7,500. Offer valid for primary residences in NY & FL only. The introductory rate is available on Home Equity Lines of Credit with a loan-to-value ratio, less first mortgage, of no more than 80%. After first 6 months, the variable APR may vary monthly based on the Prime Rate published in the Wall Street Journal and may be subject to change thereafter in accordance with the line of credit documents, not to exceed 15% APR. Prime Rate is 7.00% APR, effective September 18, 2026. Applications are subject to credit approval. Rates and terms are determined by overall credit history, loan-to-value and term of loan, and are subject to change without notice. Up to 100% CLTV: The advertised rate is available on Home Equity Lines of Credit with a loan-to-value ratio, less first mortgage, of no more than 100%. The variable rate APR would be equal to the Prime Rate, and may increase or decrease but not to exceed 15.00% APR. For New York State properties, at loan closing, the Borrower will be required to pay the New York State Mortgage Tax due that exceeds 1% of the mortgage amount. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $269-$5,510. A Home Equity Line of Credit is secured by a lien on real property. Property insurance is required to open a Home Equity Line of Credit. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.
LOAN AMOUNT | TERM | APR*
$2,000 Max | up to 12-Months | 17.99%
*Must be a member of AmeriCU Credit Union for at least 6 months prior to submitting a Quick Cash loan application. Automatic payments are required. Limit of one Quick Cash loan per member. Credit is extended based on deposit history. Must apply for a Quick Cash loan through Online and Mobile Banking. A typical Quick Cash loan of $2,000 at 17.99% APR would have 12 monthly payments of $182.06 each month, with total repayment of $2,184.65.
TERM* | APR*
Up to 66 months | starting at 15.49%
*APR = Annual Percentage Rate. Loan rates and terms are current as of 22nd October 2026 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Rates are based on a loan-to-value (LTV) up to 80%. Applications are subject to credit approval. A typical first-time car buyer loan of $20,000 at 15.49% APR would have 48 monthly payments of $ 561.60 each month, total repayment will vary. Maximum loan amount of $28,000 and LTV of 100%. Age and LTV does not impact rate adjustments.
Term | APR*
Up to 60 months | as low as 9.49%
61-84 months | as low as 9.74%
85-108 months | as low as 9.99%
109-120 months | as low as 10.24%
121-180 months | as low as 10.49%
181-240 months | as low as 11.49%
*A typical Home Renovation Loan of $10,000 at 9.49% APR would have 48 monthly payments of $251.18 each month, with total repayment of $12,056.81. Rates are current as of 22nd October 2026 and are subject to change without notice.
Term* | APR*
Up to 48 | as low as 4.74%
49-60 months | as low as 4.99%
61-72 months | as low as 5.24%
73-84 months** | as low as 5.74%
85-96 months*** | as low as 6.24%
*APR = Annual Percentage Rate. Loan rates and terms are current as of 22nd October 2026 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Rates are based on a loan-to-value (LTV) up to 80%. Applications are subject to credit approval. A typical auto loan of $20,000 at 4.74% APR would have 48 monthly payments of $ 458.23 each month, with total repayment of $21,995.23 ** Terms of 84 months require a minimum loan amount of $40,000. Exceptions must be approved by Level 3 or 4 Underwriter. *** Terms of 96 months require a minimum loan amount of $50,000, max LTV of 100%, and age must be new to 3 years old max. No Exceptions.
Term* | APR*
Up to 48 months | as low as 6.49%
49-60 months | as low as 6.49%
61-72 months | as low as 7.49%
73-84 months | as low as 8.99%
*APR = Annual Percentage Rate. Loan rates and terms are current as of 22nd October 2026 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Rates are based on a loan-to-value (LTV) up to 80%. Applications are subject to credit approval. A typical Recreation Equipment loan of $15,000 at 6.49% APR would have 48 monthly payments of $355.66 each month, with total repayment of $17,071.45. * Terms of 84 months require a minimum loan amount of $40,000.
Term* | APR*
Up to 24 months | as low as 9.24%
25-36 months | as low as 9.74%
37-48 months | as low as 10.24%
49-60 months | as low as 10.74%
*APR = Annual Percentage Rate. Loan rates and terms are current as of 22nd October 2026 and determined by each individual’s credit history, underwriting factors, and are subject to change without notice. Applications are subject to credit approval. A typical unsecured loan of $5,000 at 9.25% APR would have 48 monthly payments of $125.02 each month, with total repayment of $6,000.94. Maximum loan amounts up to $50,000 based on credit score.
Term | APR*
Up to 144 months | 4% above share rate
*APR = Annual Percentage Rate. Loan rates and terms are current as of 22nd October 2026 and determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Secured by any share account (except checking or IRA). A typical Share Pledge of $2,000 at 4.70% APR would have 24 monthly payments of $84.48 each with total repayment of $2099.43.
Term* | APR*
Up to 48 months | as low as 6.49%
49-60 months | as low as 6.49%
61-72 months | as low as 7.49%
73-84 months | as low as 8.99%
*APR = Annual Percentage Rate. Loan rates and terms are current as of 22nd October 2026 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Rates are based on a loan-to-value (LTV) up to 80%. Applications are subject to credit approval. A typical Residential Equipment loan of $25,000 at 6.49% APR would have 48 monthly payments of $592.76 each month, with total repayment of 28,452.41.
Term* | APR*
Up to 48 months | as low as 6.49%
49-60 months | as low as 6.74%
61-72 months | as low as 6.99%
73-84 months | as low as 7.49%
85-120 months** | as low as 7.74%
121-180 months*** | as low as 7.99%
181-240 months**** | as low as 8.24%
*APR = Annual Percentage Rate. Loan rates and terms are current as of 22nd October 2026 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Rates are based on a loan-to-value (LTV) up to 80%. Applications are subject to credit approval. A typical RV loan of $25,000 at 6.49% APR would have 48 monthly payments of $592.76 each month, with total repayment of $28,452.41. ** Minimum loan amount $35k to finance for term of 120 months *** Minimum loan amount $45k to finance for term of 180 months **** Minimum loan amount $75k to finance for term of 240 months. Maximum LTV 100% Front End,120% Back End.
APR* | Amount Financed
as low as 10.75% | up to $5,000
Term* | APR*
Up to 48 months | as low as 4.74%
49-60 months | as low as 4.99%
61-72 months | as low as 5.24%
73-84 months** | as low as 5.74%
85-96 months*** | as low as 6.24%
*APR = Annual Percentage Rate. Loan rates and terms are current as of 22nd October 2026 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Rates are based on a loan-to-value (LTV) up to 80%. Applications are subject to credit approval. A typical auto loan of $20,000 at 4.74% APR would have 48 monthly payments of $ 458.23 each month, with total repayment of $21,995.23. ** Terms of 84 months require a minimum loan amount of $40,000. Exceptions must be approved by Level 3 or 4 Underwriter. *** Terms of 96 months require a minimum loan amount of $50,000, max LTV of 100%, and age must be new to 3 years old max. No Exceptions.
Term* | APR*
Up to 48 months | as low as 6.49%
49-60 months | as low as 6.74%
61-72 months | as low as 6.99%
73-84 months | as low as 7.49%
85-120 months** | as low as 7.74%
121-180 months*** | as low as 7.99%
181-240 months**** | as low as 8.24%
*APR = Annual Percentage Rate. Loan rates and terms are current as of 22nd October 2026 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Rates are based on a loan-to-value (LTV) up to 80%. Applications are subject to credit approval. A typical RV loan of $25,000 at 6.49% APR would have 48 monthly payments of $592.76 each month, with total repayment of $28,452.41. ** Minimum loan amount $35k to finance for term of 120 months *** Minimum loan amount $45k to finance for term of 180 months **** Minimum loan amount $75k to finance for term of 240 months. Maximum LTV 100% Front End, 120% Back End
Term | APR*
Limited to date of certificate maturity | 3% above certificate rate
*APR = Annual Percentage Rate. Loan rates and terms are current as of 22nd October 2026 and determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Secured by a share certificate account. A typical Certificate Pledge of $2,000 at 5.81% APR would have 24 monthly payments of $88.48 each with total repayment of $2,123.33.
TERM* | APR*
Up to 48 | as low as 5.74%
49-60 months | as low as 5.99%
61-72 months | as low as 6.24%
*APR = Annual Percentage Rate. Loan rates and terms are current as of 22nd October 2026 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Rates are based on a loan-to-value (LTV) up to 80%. Applications are subject to credit approval . A typical auto loan of $30,000 at 5.74 % APR would have 48 monthly payments of $477 . 00 each month and would include a balloon payment due at loan maturity of $ 12,610 .0 0 .   Please note that your balloon payment is dependent on the residual value of the financed vehicle. The residual value is impacted by items such as estimated mileage usage, vehicle year, make and model.
Share Certificates | Minimum Balance to Open | APY* | Dividend Rate
3 Month Certificate | $50 | 4.50% | 4.40%
6 Month Certificate | $50 | 4.50% | 4.40%
12 Month Certificate | $50 | 4.50% | 4.40%
24 Month Certificate | $500 | 3.75% | 3.68%
36 Month Certificate | $500 | 3.50% | 3.44%
48 Month Certificate | $500 | 3.50% | 3.44%
60 Month Certificate | $500 | 3.50% | 3.44%
Traditional, Tax-Free Roth & Coverdell ESAS | Minimum Balance to Open | APY* | Dividend Rate
3 Month Certificate | $500 | 4.50% | 4.40%
6 Month Certificate | $500 | 4.50% | 4.40%
12 Month Certificate | $500 | 4.50% | 4.40%
24 Month Certificate | $500 | 3.75% | 3.68%
36 Month Certificate | $500 | 3.50% | 3.44%
48 Month Certificate | $500 | 3.50% | 3.44%
60 Month Certificate | $500 | 3.50% | 3.44%
Share Certificate Special | Minimum Balance to Open | APY* | Dividend Rate
18-Month | $500 | 4.00% | 3.92%
CHECKING ACCOUNT | MINIMUM TO EARN APY | APY* | DIVIDEND RATE
Business High Rate Checking (Qualifies) | $0.01- $10,000.00 | 7.00% | 6.20%
Business High Rate Checking (Not Qualified) | $0.01- $10,000.00 | 0.05% | 0.05%
Business High Rate Checking (Qualifies) | $10,000.01-$25,000.00 | 7.00% | 6.20%
Business High Rate Checking (Not Qualified) | $10,000.01-$25,000.00 | 0.10% | 0.10%
Business High Rate Checking (Qualifies) | $25,000.01-$50,000.00 | 3.58%- 7.00% | 0.15%
Business High Rate Checking (Not Qualified) | $25,000.01-$50,000.00 | 0.15% | 0.15%
Business High Rate Checking (Qualifies) | $50,000.01 and Greater | 0.20%-3.57% | 0.20%
Business High Rate Checking (Not Qualified) | $50,000.01 and Greater | 0.20% | 0.20%
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates are current as of 22nd October 2026 and are subject to change without notice. Rates may change after account is opened.
Annual Percentage Yields (APY) are current as of February 1, 2025 and the rate may change after the account is opened. Earn 7.00% APY on checking account balances up to $25,000, 3.58% APY to 7.00% APY on balances of $25,000.01 to $50,000, and 0.20% APY to 3.57% APY on balances $50,000.01 and over when you meet the three requirements below:
If you do not meet the above requirements, you will earn 0.05% APY on balances $.01 to $10,000, 0.10% APY on balances $10,000.01 – $25,000, 0.15% APY on balances of $25,000.01 to $50,000, and 0.20% APY on balances $50,000.01 and over.
MINIMUM TO EARN APY | APY* | DIVIDEND RATE
Business Rewards Checking | – | 0.00% | 0.00%
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates are current as of 22nd October 2026 and are subject to change without notice. Rates may change after account is opened.
MINIMUM TO EARN APY | APY* | DIVIDEND RATE
Select Business Freedom Checking | – | 0.00% | 0.00%
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates are current as of 22nd October 2026 and are subject to change without notice. Rates may change after account is opened.
Minimum to Earn APY | APY* | Dividend Rate
$0.01 – $499.99 | 1.00% | 1.00%
$500.00 – $999.99 | 1.00% | 1.00%
$1,000 – $2,499.99 | 1.00% | 1.00%
$2,500 – $9,999.99 | 1.00% | 1.00%
$10,000 – $24,999.99 | 1.00% | 1.00%
$25,000 – $49,999.99 | 2.00% | 1.98%
$50,000 – $99,999.99 | 2.00% | 1.98%
$100,000 – $249,999.99 | 2.50% | 2.47%
$250,000 – $999,999.99 | 3.50% | 3.45%
$1,000,000 and up | 3.50% | 3.45%
*APY = Annual Percentage Yield. This variable rate savings option pays dividends compounded and paid monthly. Rates are current as of 22nd October 2026 and are subject to change without notice. Rates may change after account is opened. Fees may reduce earnings on account.
Minimum to Earn APY | APY* | Dividend Rate
$50 – $999.99 | 0.01% | 0.01%
$1,000 – $2,499.99 | 0.03% | 0.03%
$2,500 – $4,999.99 | 0.05% | 0.05%
$5,000 and up | 0.10% | 0.10%
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates are current as of 22nd October 2026 and are subject to change without notice. Rates may change after account is opened.
Minimum to Earn APY | Minimum Balance to Open | APY* | Dividend Rate
3 Months Term | $500 | 4.50% | 4.40%
6 Months Term | $500 | 4.50% | 4.40%
12 Months Term | $500 | 4.50% | 4.40%
24 Months Term | $500 | 3.75% | 3.68%
36 Months Term | $500 | 3.50% | 3.44%
48 Months Term | $500 | 3.50% | 3.44%
60 Months Term | $500 | 3.50% | 3.44%
*APY = Annual Percentage Rate. Rates are current as of 22nd October 2026 and are subject to change without notice. The minimum balance to earn APY is the same as the minimum opening deposit. A penalty may be imposed for early withdrawal.