APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
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Source: https://www.westmark.org/rates/
Read: 2026-10-22T16:25:59.000Z

Effective October 22, 2026 Model Year | APR*
2022 & Newer | 5.99%
2019 – 2021 | 6.44%
2016 – 2018 | 8.04%
2015 & Older | 9.54%
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Effective October 22, 2026 Model Year | APR*
2022 & Newer | 7.79%
2019 – 2021 | 8.54%
2017 – 2018 | 9.29%
2016 & Older | 10.04%
Effective October 22, 2026 Model Year | APR*
2022 & Newer | 7.09%
2019 – 2021 | 7.84%
2017 – 2018 | 8.34%
2016 & Older | 8.59%
Effective October 22, 2026 Loan Type | APR*
Lifestyle Loan – 36 Months | 11.49%
Lifestyle Loan – 48 Months | 11.99%
Lifestyle Loan – 60 Months | 12.99%
Personal Line of Credit | 18.00%
Card Type | APR Range
Cobalt Edge Credit Card | 11.50% – 17.50%
Cobalt Rewards Credit Card | 15.50% – 21.50%
Business Obsidian Credit Card | 12.50% – 16.50%
Business Obsidian Elite Credit Card | 16.50% – 20.50%
Effective October 22, 2026 Product | APR*
VISA Home Equity – 6 Month Intro Rate | 3.99%
VISA Home Equity – 12 Month Intro Rate | 4.99%
VISA Home Equity (Standard Variable) | 8.75%
VISA Home Equity + Premium Checking Discount** | 8.50%
Loan Type | Rate | APR*
10 Year Fixed | 6.125% | 6.383%
15 Year Fixed | 6.375% | 6.559%
20 Year Fixed | 6.625% | 6.822%
30 Year Fixed | 7.000% | 7.153%
Effective October 22, 2026 Loan Type | Rate | APR*
8 Year No Fee** | 7.125% | 7.125%
10 Year No Fee** | 7.125% | 7.125%
15 Year No Fee*** | 7.375% | 7.456%
20 Year No Fee*** | 7.625% | 7.691%
30 Year No Fee*** | 8.000% | 8.052%
Effective October 22, 2026 Loan Type | Rate | APR*
30 Year First-Time Homebuyer | 7.500% | 7.619%
Effective September 21, 2026 Term | 1st Lien APR* | 2nd Lien APR*
60 Months | 6.24% | 7.99%
61 – 120 Months | 6.74% | 8.74%
121 – 180 Months | 6.74% | 8.74%
APY = Annual Percentage Yield. Rates are tiered based on deposit.
Term | APY
90 Days | 1.50%
180 Days | 2.00%
8 Months | 4.00%
9 Months | 3.80%
11 Months | 3.90%
12 Months | 3.95%
13 Months | 4.25%
Term | APY
18 Months | 4.25%
23 Months | 3.75%
24 Months | 4.35%
36 Months | 4.40%
48 Months | 4.40%
60 Months | 4.40%
Term | APY
15 Months | 3.75%
Term | APY
12 Months | 3.95%
24 Months | 4.25%
Account Type | APY
Primary Savings | 0.10%
Daily Dividend Savings | 0.10%
Medical Savings | 1.00%
First Time Home Buyer Savings | 4.00%
IRA Money Market | 1.00%
Premium Checking | 0.10%
Premium Money Market | 2.00%
Platinum Money Market | 1.50%
BlueBirds Savings | 0.25%
Balance Tier | APY
Below $1,000 | 0.00%
$1,000 – $99,999 | 2.20%
$100,000 – $249,999 | 2.30%
$250,000 – $499,999 | 2.40%
$500,000+ | 2.45%
Deposit Rate Disclosures Rates are set by the Board of Directors and are subject to change without notice. Rates are quoted as Annual Percentage Yield (APY). Early withdrawal of funds may affect the APY.
Minimum balance for a Term Certificate is $500 unless otherwise noted. Certain balances are required to earn Share Deposit APY. A penalty may be imposed for early withdrawal and could reduce the earnings of this account.