Explore Our Current Rates

Savings Rates

Effective as of April 11, 2026
Account Dividend Rate APY Minimum Balance

Account

High Yield Savings

Dividend Rate

3.25%

APY

3.30%

Minimum Balance

$5.00

Account

Regular Savings

Dividend Rate

0.09%

APY

0.10%

Minimum Balance

$5.00

Certificate Rates

Rates valid as of April 10, 2026
Account Term Dividend Rate APY Minimum Opening Deposit

Account

3-month Certificate

Term

3 Months

Dividend Rate

3.542%

APY

3.600%

Minimum Opening Deposit

$500

Account

6-month Certificate

Term

6 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

9-month Certificate

Term

9 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

12-month Certificate

Term

12 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

18-month Certificate

Term

18 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

24-month Certificate

Term

24 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

30-month Certificate

Term

30 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

36-month Certificate

Term

36 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

48-month Certificate

Term

48 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

60-month Certificate

Term

60 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

24-month Bump-Up Certificate

Term

24 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

48-month Bump-Up Certificate

Term

48 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

6-month Jumbo Certificate

Term

6 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$75,000+

Account

9-month Jumbo Certificate

Term

9 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$75,000+

Account

12-month Jumbo Certificate

Term

12 Months

Dividend Rate

3.397%

APY

3.450%

Minimum Opening Deposit

$75,000+

Account

24-month Jumbo Certificate

Term

24 Months

Dividend Rate

3.397%

APY

3.450%

Minimum Opening Deposit

$75,000+

Account

30-month Jumbo Certificate

Term

30 Months

Dividend Rate

3.397%

APY

3.450%

Minimum Opening Deposit

$75,000+

Account

36-month Jumbo Certificate

Term

36 Months

Dividend Rate

3.397%

APY

3.450%

Minimum Opening Deposit

$75,000+

Account

48-month Jumbo Certificate

Term

48 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$75,000+

Account

60-month Jumbo Certificate

Term

60 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$75,000+

IRA Rates

Rates valid as of April 11, 2026
Account Term Dividend Rate APY Minimum Opening Deposit

Account

6-month Fixed-Rate IRA Only

Term

6 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

9-month Fixed-Rate IRA Only

Term

9 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

12-month Fixed-Rate IRA Only

Term

12 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

15-month Fixed-Rate IRA Only

Term

15 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

18-month Fixed-Rate IRA Only

Term

18 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

24-month Fixed-Rate IRA Only

Term

24 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

30-month Fixed-Rate IRA Only

Term

30 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

36-month Fixed-Rate IRA Only

Term

36 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

48-month Fixed-Rate IRA Only

Term

48 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

60-month Fixed-Rate IRA Only

Term

60 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

24-month Bump-Up IRA

Term

24 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

48-month Bump-Up IRA

Term

48 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

Variable Rate IRA

Term

-

Dividend Rate

0.09%

APY

0.10%

Minimum Opening Deposit

No Minimum

Money Market Accounts

Rates valid as of April 11, 2026
Account Account Balance Dividend Rate APY

Account

S8 Maximizer – $2,500-$9,999.99

Account Balance

$2,500-$9,999.99

Dividend Rate

0.74%

APY

0.75%

Account

S8 Maximizer – $10,000-$24,999.99

Account Balance

$10,000-$24,999.99

Dividend Rate

0.74%

APY

0.75%

Account

S8 Maximizer – $25,000-$74,999.99

Account Balance

$25,000-$74,999.99

Dividend Rate

0.99%

APY

1.00%

Account

S8 Maximizer – $75,000-$99,999.99

Account Balance

$75,000-$99,999.99

Dividend Rate

0.99%

APY

1.00%

Account

S8 Maximizer – $100,000-$249,999.99

Account Balance

$100,000-$249,999.99

Dividend Rate

1.49%

APY

1.50%

Account

S8 Maximizer – $250,000+

Account Balance

$250,000+

Dividend Rate

1.49%

APY

1.50%

Account

S8 Maximizer Special – $10,000+

Account Balance

$10,000+

Dividend Rate

2.57%

APY

2.60%

Account

IRA – $0-$9,999

Account Balance

$0-$9,999

Dividend Rate

0.74%

APY

0.75%

Account

IRA – $10,000-$24,999.99

Account Balance

$10,000-$24,999.99

Dividend Rate

0.74%

APY

0.75%

Account

IRA – $25,000-$74,999.99

Account Balance

$25,000-$74,999.99

Dividend Rate

0.99%

APY

1.00%

Account

IRA – $75,000-$99,999.99

Account Balance

$75,000-$99,999.99

Dividend Rate

0.99%

APY

1.00%

Account

IRA – $100,000-$249,999.99

Account Balance

$100,000-$249,999.99

Dividend Rate

1.49%

APY

1.50%

Account

IRA – $250,000+

Account Balance

$250,000+

Dividend Rate

1.49%

APY

1.50%

Credit Card Rates

Effective as of April 10, 2026
Account APR As Low As

Account

Everyday Elite Visa®

APR As Low As

17.99%

Account

Everyday Rewards Visa®

APR As Low As

12.49%

Account

Everyday Simplified Visa®

APR As Low As

9.49%

Account

Secured Visa® Credit Card

APR As Low As

16.49%

Secured and Signature Loan Rates

Effective as of April 10, 2026
Account Term APR As Low

Account

Term-Share Secured Loan

Term

6 Months to 60 Months

APR As Low

6.25%

Account

Share-Secured Loan

Term

6 Months to 120 Months

APR As Low

1.80%

Account

Unsecured-Installment Signature Loans

Term

12-60 Months $1,000 to $25,000

APR As Low

10.49%

Account

Better Choice

Term

3 months

APR As Low

18.00%

Account

First Credit Loan

Term

12-60 Months $1,000 to $10,000

APR As Low

6.25%

Account

Stock Loans to 75% of Value

Term

Less than 36 Months

APR As Low

8.49%

Account

Stock Loans to 75% of Value

Term

37 Months to 60 Months

APR As Low

8.99%

Account

Stock Loans to 75% of Value

Term

More than 60 Months

APR As Low

9.49%

HELoC Select

Effective as of April 11, 2026
Account Loan Amounts APR As Low As

Account

HELoC Select – Primary

Loan Amounts

$5,000 – $500,000

APR As Low As

5.99%

Account

HELoC Select – Vacation or Secondary

Loan Amounts

$5,000 – $200,000

APR As Low As

5.99%

Account

HELoC Select – Primary

Loan Amounts

$5,000 – $200,000

APR As Low As

6.99%

Account

HELoC Select – Investment Properties

Loan Amounts

$5,000 – $49,999

APR As Low As

7.24%

Fixed Rate Home Equity Loan

Effective as of April 06, 2026
Account Loan Amounts APR As Low As

Account

60 Months Fixed

Loan Amounts

$5,000 – $500,000

APR As Low As

5.99%

Account

84 Months Fixed

Loan Amounts

$5,000 – $500,000

APR As Low As

6.49%

Account

120 Months Fixed

Loan Amounts

$5,000 – $500,000

APR As Low As

6.74%

Account

180 Months Fixed

Loan Amounts

$5,000 – $500,000

APR As Low As

6.99%

Account

240 Months Fixed

Loan Amounts

$5,000 – $500,000

APR As Low As

7.99%

Mortgages

Click here for mortgage rates

Auto Loans

Effective as of April 06, 2026
Account APR As Low As Term

Account

2027 – 2024

APR As Low As

Up to 63 Months

Term

5.54%

Account

2027 – 2024

APR As Low As

76 - 84 Months

Term

6.44%

Account

2027 – 2024

APR As Low As

64 - 75 Months

Term

5.79%

Account

2023 – 2022

APR As Low As

Up to 63 Months

Term

5.79%

Account

2023 – 2022

APR As Low As

76 - 84 Months

Term

6.44%

Account

2023 – 2022

APR As Low As

64 - 75 Months

Term

6.04%

Account

2021 – 2018

APR As Low As

Up to 63 Months

Term

6.19%

Account

2021 – 2018

APR As Low As

64 - 72 Months

Term

6.54%

Motorcycle, Boat, and RV Loans

Effective as of April 11, 2026
Account APR As Low As Term

Account

Motorcycle

APR As Low As

12 – 72 Months

Term

6.99%

Account

Boat

APR As Low As

12 – 84 Months

Term

7.74%

Account

RV

APR As Low As

12 – 120 Months

Term

7.49%

Student Loans

View rates from Student Choice

Business Certificate Rates

Rates valid as of April 12, 2026
Account Term Dividend Rate APY Minimum Opening Deposit

Account

6-month Certificate

Term

6 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

9-month Certificate

Term

9 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

12-month Certificate

Term

12 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

18-month Certificate

Term

18 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

24-month Certificate

Term

24 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

30-month Certificate

Term

30 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

36-month Certificate

Term

36 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

48-month Certificate

Term

48 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

60-month Certificate

Term

60 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

6-month Jumbo Certificate

Term

6 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$75,000+

Account

9-month Jumbo Certificate

Term

9 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$75,000+

Account

12-month Jumbo Certificate

Term

12 Months

Dividend Rate

3.397%

APY

3.450%

Minimum Opening Deposit

$75,000+

Account

24-month Jumbo Certificate

Term

24 Months

Dividend Rate

3.397%

APY

3.450%

Minimum Opening Deposit

$75,000+

Account

30-month Jumbo Certificate

Term

30 Months

Dividend Rate

3.397%

APY

3.450%

Minimum Opening Deposit

$75,000+

Account

36-month Jumbo Certificate

Term

36 Months

Dividend Rate

3.397%

APY

3.450%

Minimum Opening Deposit

$75,000+

Account

48-month Jumbo Certificate

Term

48 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$75,000+

Account

60-month Jumbo Certificate

Term

60 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$75,000+

Business Money Market Rates

Valid as of April 10, 2026
Account Balance Dividend Rate APY

Account

Business Maximizer Money Market

Balance

$25,000-$74,999.99

Dividend Rate

0.99%

APY

1.00%

Account

Business Maximizer Money Market

Balance

$75,000-$99,999.99

Dividend Rate

0.99%

APY

1.00%

Account

Business Maximizer Money Market

Balance

$100,000-$249,999.99

Dividend Rate

1.49%

APY

1.50%

Account

Business Maximizer Money Market

Balance

$250,000+

Dividend Rate

1.49%

APY

1.50%

Account

Business Money Market Special

Balance

$10,000+

Dividend Rate

2.57%

APY

2.60%