| Description | Minimum Amount | Term | Rate | APY* | Compounding Period | Effective |
|---|---|---|---|---|---|---|
| Choice Checking (Business Accounts) | $2,000 | Daily | 0.00% | 0.00% | Monthly | 4th Qtr. 2025 |
| Prestige Checking | $2,000 | Daily | 0.00% | 0.00% | Monthly | 4th Qtr. 2025 |
Annual Percentage Yield (APY).
These accounts do not earn dividends.
Fees may reduce earnings.
| Description | Minimum Dividend Balance | Term | Dividend Rate | APY* | Compounding Period | Effective |
|---|---|---|---|---|---|---|
| Regular Shares (One Share = $5) | $50 | Daily | 0.050% | 0.05% | Quarterly | 4th Qtr. 2025 |
Annual Percentage Yield (APY).
Rates are subject to change without notice.
Penalties may apply for early withdrawal.
Fees may reduce earnings.
$500 minimum, no maximum
| Description | Minimum Amount | Term | APY* | Dividend Rate | Compounding Period |
|---|---|---|---|---|---|
| 03 Month TSC | $500 | 3 Months | 3.55% | 3.49% | Monthly |
Annual Percentage Yield (APY).
Rates are subject to change without notice.
Fees may reduce earnings.
A penalty may apply for early withdrawal.
Dividends are paid monthly.
Effective 12/01/2025.
Relationship Pricing Rates: Must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking
| Description | Minimum Amount | Term | APY* | Dividend Rate | Compounding Period |
|---|---|---|---|---|---|
| 06 Month TSC or IRA TSC | $500 | 6 Months | 3.00% | 2.96% | Monthly |
| 12 Month TSC or IRA TSC | $500 | 12 Months | 3.10% | 3.06% | Monthly |
| 18 MONTH TSC or IRA TSC | $500 | 18 Months | 3.15% | 3.11% | Monthly |
| 24 Month TSC or IRA TSC | $500 | 24 Months | 3.20% | 3.15% | Monthly |
| 30 Month TSC or IRA TSC | $500 | 30 Months | 3.25% | 3.20% | Monthly |
| 36 Month TSC or IRA TSC | $500 | 36 Months | 3.30% | 3.25% | Monthly |
| 48 Month TSC or IRA TSC | $500 | 48 Months | 3.35% | 3.30% | Monthly |
| 60 Month TSC or IRA TSC | $500 | 60 Months | 3.20% | 3.20% | Monthly |
| --- | |||||
| 06 Month TSC or IRA TSC | $10,000 | 6 Months | 3.20% | 3.01% | Monthly |
| 12 Month TSC or IRA TSC | $10,000 | 12 Months | 3.15% | 3.11% | Monthly |
| 18 Month TSC or IRA TSC | $10,000 | 18 Months | 3.20% | 3.15% | Monthly |
| 24 Month TSC or IRA TSC | $10,000 | 24 Months | 3.25% | 3.20% | Monthly |
| 30 Month TSC or IRA TSC | $10,000 | 30 Months | 3.30% | 3.25% | Monthly |
| 36 Month TSC or IRA TSC | $10,000 | 36 Months | 3.35% | 3.30% | Monthly |
| 48 Month TSC or IRA TSC | $10,000 | 48 Months | 3.40% | 3.35% | Monthly |
| 60 Month TSC or IRA TSC | $10,000 | 60 Months | 3.30% | 3.25% | Monthly |
Annual Percentage Yield (APY).
Rates are subject to change without notice.
Fees may reduce earnings.
A penalty may apply for early withdrawal.
Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.
Dividends are paid monthly.
Relationship pricing requires an active checking account with direct deposit or a regular recurring deposit to checking.
Effective 12/01/2025.
Non-Relationship Pricing
| Description | Minimum Amount | Term | APY* | Dividend Rate | Compounding Period |
|---|---|---|---|---|---|
| 06 Month TSC or IRA TSC | $500 | 6 Months | 2.90% | 2.86% | Monthly |
| 12 Month TSC or IRA TSC | $500 | 12 Months | 3.00% | 2.96% | Monthly |
| 18 MONTH TSC or IRA TSC | $500 | 18 Months | 3.05% | 3.01% | Monthly |
| 24 Month TSC or IRA TSC | $500 | 24 Months | 3.10% | 3.06% | Monthly |
| 30 Month TSC or IRA TSC | $500 | 30 Months | 3.15% | 3.11% | Monthly |
| 36 Month TSC or IRA TSC | $500 | 36 Months | 3.20% | 3.15% | Monthly |
| 48 Month TSC or IRA TSC | $500 | 48 Months | 3.25% | 3.20% | Monthly |
| 60 Month TSC or IRA TSC | $500 | 60 Months | 3.15% | 3.11% | Monthly |
| --- | |||||
| 06 Month TSC or IRA TSC | $10,000 | 6 Months | 2.95% | 2.91% | Monthly |
| 12 Month TSC or IRA TSC | $10,000 | 12 Months | 3.05% | 3.01% | Monthly |
| 18 Month TSC or IRA TSC | $10,000 | 18 Months | 3.10% | 3.06% | Monthly |
| 24 Month TSC or IRA TSC | $10,000 | 24 Months | 3.15% | 3.11% | Monthly |
| 30 Month TSC or IRA TSC | $10,000 | 30 Months | 3.20% | 3.15% | Monthly |
| 36 Month TSC or IRA TSC | $10,000 | 36 Months | 3.25% | 3.20% | Monthly |
| 48 Month TSC or IRA TSC | $10,000 | 48 Months | 3.30% | 3.25% | Monthly |
| 60 Month TSC or IRA TSC | $10,000 | 60 Months | 3.20% | 3.15% | Monthly |
Annual Percentage Yield (APY).
Rates are subject to change without notice.
Fees may reduce earnings.
A penalty may apply for early withdrawal.
Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.
Dividends are paid monthly.
Effective 12/01/2025.
| Description | Minimum Amount | Term | APY* | Dividend Rate | Compounding Period |
|---|---|---|---|---|---|
| Flex Money Market | $2,000 | Daily | 0.15% | 0.150% | Quarterly |
| Flex Money Market | $20,000 | Daily | 1.00% | 0.995% | Quarterly |
| Flex Money Market | $50,000 | Daily | 1.25% | 1.242% | Quarterly |
| Flex Money Market | $100,000 | Daily | 1.50% | 1.492% | Quarterly |
Annual Percentage Yield (APY).
Rates are subject to change without notice.
Penalties may apply for early withdrawal.
Fees may reduce earnings.
Effective 12/01/2025.
Start with $100,000.00+
| Description | Minimum Amount | Term | APY* | Dividend Rate | Compounding Period |
|---|---|---|---|---|---|
| MAX Money Market (If your balance falls below) | $99,999.99 | Daily | 0.250% | 0.250% | Quarterly |
| MAX Money Market | $100,000 | Daily | 1.75% | 1.736% | Quarterly |
| MAX Money Market | $250,000 | Daily | 2.25% | 2.231% | Quarterly |
| MAX Money Market | $500,000 | Daily | 2.50% | 2.477% | Quarterly |
| MAX Money Market | $1,000,000 and up | Daily | 3.00% | 2.967% | Quarterly |
Annual Percentage Yield (APY).
Rates are subject to change without notice.
Penalties may apply for early withdrawal.
Fees may reduce earnings.
Effective 12/01/2025.
| Description | Minimum Dividend Balance | Term | APY* | Dividend Rate | Compounding Period | Effective | |
|---|---|---|---|---|---|---|---|
| Regular IRA Shares (One Share = $5) | $50 | Daily | 0.20% | 0.200% | Quarterly | 4th Qtr. 2025 |
Annual Percentage Yield (APY).
Rates are subject to change without notice.
Penalties may apply for early withdrawal.
Fees may reduce earnings.
| Term | Credit Score 740+ | APR as low as |
|---|---|---|
| 0-36 mo. | 4.99% |
APR = Annual Percentage Rate. Rates are subject to change without notice.
Current rates effective December 1, 2025.
Subject to credit approval.
Repayment Terms:
Consumer secured loans are closed-end loans repaid in equal monthly installments over the term of the loan.
Loan terms may range from 0 to 36 months, depending on loan amount, collateral, and creditworthiness.
The actual number of payments, payment amount, and total amount paid will depend on the terms of the loan.
Refinance or Purchase with Rates as Low as 4.99%
| Credit Score | Term | APR with Autopay | APR without Autopay |
|---|---|---|---|
| 720+ | 72 mo. | 5.99% | 6.24% |
| 720+ | 84 mo. | 5.99% | 6.24% |
| 680-719 | 72 mo. | 5.99% | 6.24% |
| 680-719 | 84 mo. | 6.74% | 6.99% |
APR = Annual Percentage Rate. Rates are subject to change without notice.
Current rates effective December 1, 2025.
Additional Notes:
Add 0.25% to rates if autopay is not used.
Subject to credit approval.
Repayment Terms:
Auto loans are repaid in equal monthly installments over the term of the loan.
Loan terms may range from 72 to 84 months, depending on creditworthiness and collateral.
The actual number of payments, payment amount, and total amount paid will vary.
| Annual Percentage Rate (APR) as low as | Term | Amount |
|---|---|---|
| 13.00% | 0 – 48 Months | $100 – $20,000 |
APR = Annual Percentage Rate. Rates are subject to change without notice.
Current rates effective December 1, 2025.
Subject to credit approval.
Repayment Terms:
Signature and overdraft protection loans are closed-end loans repaid in equal monthly installments over the term of the loan.
Loan terms range from 0 to 48 months, based on loan amount and creditworthiness.
The actual number of payments, payment amount, and total amount paid will vary based on the terms of the loan.
| Description | Annual Percentage Rate (APR) as low as |
|---|---|
| Share Secured Loan | 2.50% over current share rate |
| Certificate Secured Loan | 2.50% over current certificate rate |
Rates subject to change without notice.
Current rates effective December 1, 2025.
IRA’s and IRA Certificates cannot be used as collateral.
Repayment Terms:
Share secured and certificate secured loans are repaid in equal monthly installments over the term of the loan.
Loan terms vary based on the loan amount and the term of the pledged share or certificate.
The actual number of payments, payment amount, and total amount paid will depend on the terms of the loan.
| Annual Percentage Rate (APR) as low as | Term | Amount |
|---|---|---|
| 13.00% | 0 – 48 Months | $100 – $20,000 |
APR = Annual Percentage Rate. Rates are subject to change without notice.
Current rates effective December 1, 2025.
Subject to credit approval.
Repayment Terms:
Signature and overdraft protection loans are closed-end loans repaid in equal monthly installments over the term of the loan.
Loan terms range from 0 to 48 months, based on loan amount and creditworthiness.
The actual number of payments, payment amount, and total amount paid will vary based on the terms of the loan.
| Description | Annual Percentage Rate (APR) |
|---|---|
| 9 Month, fixed-rate, Construction Loans | Call or E-mail for quote |
APR = Annual Percentage Rate. Rates are subject to change without notice.
Repayment Terms:
Construction loans typically include an initial construction phase followed by a permanent repayment phase.
During the construction phase, payments may be interest-only based on the amount disbursed.
Upon completion of construction, the outstanding balance is converted to a permanent loan and repaid in equal monthly installments over the remaining loan term.
The number of payments, payment amount, and total amount paid will vary based on loan terms, disbursements, and credit approval.
| Description | Annual Percentage Rate (APR) |
|---|---|
| 10, 15 and 30 year, closed-end, fixed-rate, 1st Mortgage | Call or Email for quote |
APR = Annual Percentage Rate. Rates are subject to change without notice.
Repayment Terms:
Real estate loans are repaid in equal monthly installments over the selected loan term.
Loan terms may include 10, 15, or 30 years, depending on the loan product and credit approval.
The actual number of payments, payment amount, and total amount paid will depend on the terms of the loan.
| Description | Annual Percentage Rate (APR) |
|---|---|
| Up to 85% LTV*, Home Equity Loan, From 7 to 15 years, closed-end, fixed-rate. | Call or Email for quote |
| Up to 85% LTV*, Home Equity Loan. Up to 7 years, closed-end, fixed-rate. | Call or Email for quote |
APR = Annual Percentage Rate. Rates are subject to change without notice.
LTV = Loan-to-Value.
Repayment Terms:
Home equity loans are repaid in equal monthly installments over the selected loan term.
Loan terms may range from 7 to 15 years, depending on the loan product, loan-to-value ratio, and credit approval.
The actual number of payments, payment amount, and total amount paid will depend on the terms of the loan.