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Share Rates

 

Checking

DescriptionMinimum AmountTermRateAPY*Compounding PeriodEffective
Choice Checking (Business Accounts)$2,000Daily0.00%0.00%Monthly1st Qtr. 2023
Prestige Checking$2,000Daily0.00%0.00%Monthly1st Qtr. 2023

*Annual Percentage Yield. Fees may reduce earnings.

Regular Shares

DescriptionMinimum Dividend BalanceTermDividend RateAPY*Compounding PeriodEffective
Regular Shares (One Share = $5)$50Daily0.050%0.05%Quarterly1st Qtr. 2023

*Annual Percentage Yield
Rates are subject to change without notice. Penalties may apply for early withdrawal. Fees may reduce earnings.

Term Share Certificates TSCs (and IRA TSCs)

Relationship Pricing Rates: Must have Checking and Direct Deposit or Regular Reoccurring Deposit to Checking

DescriptionMinimum AmountTermAPY*Dividend RateCompounding Period
RATE SPECIAL: 7 Month TSC$5007 Months4.94%4.82%Monthly
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06 Month TSC or IRA TSC$5006 Months3.00%2.96%Monthly
12 Month TSC or IRA TSC$50012 Months3.25%3.20%Monthly
18 MONTH TSC or IRA TSC$50018 Months3.50%3.46%Monthly
24 Month TSC or IRA TSC $50024 Months3.55%3.49%Monthly
30 Month TSC or IRA TSC $50030 Months3.60%3.54%Monthly
36 Month TSC or IRA TSC $50036 Months3.65%3.59%Monthly
48 Month TSC or IRA TSC $50048 Months3.70%3.64%Monthly
60 Month TSC or IRA TSC $50060 Months3.25%3.20%Monthly
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06 Month TSC or IRA TSC$10,0006 Months3.05%3.01%Monthly
12 Month TSC or IRA TSC$10,00012 Months3.30%3.25%Monthly
18 Month TSC or IRA TSC$10,00018 Months3.55%3.49%Monthly
24 Month TSC or IRA TSC$10,00024 Months3.60%3.54%Monthly
30 Month TSC or IRA TSC$10,00030 Months3.65%3.59%Monthly
36 Month TSC or IRA TSC$10,00036 Months3.70%3.64%Monthly
48 Month TSC or IRA TSC$10,00048 Months3.75%3.69%Monthly
60 Month TSC or IRA TSC$10,00060 Months3.30%3.25%Monthly

*Annual Percentage Yield
Paid Monthly. Rates are subject to change without notice. Fees may reduce earning. 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. Contact a Member Service Representative for more details. Effective 10/2/2023

Term Share Certificates TSCs (and IRA TSCs)

Non-Relationship Pricing

DescriptionMinimum AmountTermAPY*Dividend RateCompounding Period
RATE SPECIAL: 7 Month TSC$5007 Months4.94%4.82%Monthly
---
06 Month TSC or IRA TSC$5006 Months2.90%2.86%Monthly
12 Month TSC or IRA TSC$50012 Months3.15%3.11%Monthly
18 MONTH TSC or IRA TSC$50018 Months3.40%3.35%Monthly
24 Month TSC or IRA TSC $50024 Months3.45%3.40%Monthly
30 Month TSC or IRA TSC $50030 Months3.50%3.46%Monthly
36 Month TSC or IRA TSC $50036 Months3.55%3.49%Monthly
48 Month TSC or IRA TSC $50048 Months3.65%3.59%Monthly
60 Month TSC or IRA TSC $50060 Months3.15%3.11%Monthly
---
06 Month TSC or IRA TSC$10,0006 Months2.95%2.91%Monthly
12 Month TSC or IRA TSC$10,00012 Months3.20%3.15%Monthly
18 Month TSC or IRA TSC$10,00018 Months3.45%3.40%Monthly
24 Month TSC or IRA TSC$10,00024 Months3.50%3.46%Monthly
30 Month TSC or IRA TSC$10,00030 Months3.55%3.49%Monthly
36 Month TSC or IRA TSC$10,00036 Months3.60%3.54%Monthly
48 Month TSC or IRA TSC$10,00048 Months3.70%3.64%Monthly
60 Month TSC or IRA TSC$10,00060 Months3.20%3.15%Monthly

*Annual Percentage Yield
Paid Monthly. Rates are subject to change without notice. Fees may reduce earning. 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. Contact a Member Service Representative for more details. Effective 10/2/2023

Flex Money Market Account

Description Minimum AmountTerm APY*Dividend RateCompounding Period
Flex Money Market$2,000Daily0.15%0.150% Quarterly
Flex Money Market$20,000Daily1.00%0.995% Quarterly
Flex Money Market$50,000Daily1.25%1.242%Quarterly
Flex Money Market$100,000Daily1.75%1.736%Quarterly

*Annual Percentage Yield
Rates are subject to change without notice. Penalties may apply for early withdrawal. Fees may reduce earnings. Effective 8/4/2023
The Flex MMA allows you to earn dividends with four different tiers in one account.
-On balances from $2,000 to $19,999.99, you will earn at the $2,000 tier.
-On balances from $20,000 to $49,999.99, you will earn at the $20,000 tier.
-On balances from $50,000 to $99,999.99, you will earn at the $50,000 tier.
-On balances from $100,000 and over, you will earn at the $100,000 tier.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

MAX Money Market Account

Start with $100,000.00+

Description Minimum AmountTerm APY*Dividend RateCompounding Period
MAX Money Market (If your balance falls below)$99,999.99Daily0.250%0.250%Quarterly
MAX Money Market$100,000Daily2.00%1.981% Quarterly
MAX Money Market$250,000Daily2.75%2.716% Quarterly
MAX Money Market$500,000Daily3.25%3.202%Quarterly
MAX Money Market$1,000,000 and upDaily3.75%3.687%Quarterly

*Annual Percentage Yield
Rates are subject to change without notice. Penalties may apply for early withdrawal. Fees may reduce earnings. Effective 8/4/2023
The MAX MMA allows you to earn dividends with four different tiers in one account.
-On balances from $0.01 to $99,999.99, you will earn at the $99,999.99 tier.
-On balances from $100,000 to $249,999.99, you will earn at the $100,000 tier.
-On balances from $250,000 to $499,999.99, you will earn at the $250,000 tier.
-On balances from $500,000 to $999,999.99, you will earn at the $500,000 tier.
-On balances from $1,000,000 and over, you will earn at the $1,000,000 tier.

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Regular IRA Shares

DescriptionMinimum Dividend BalanceTermAPY*Dividend RateCompounding PeriodEffective
Regular IRA Shares (One Share = $5) $50Daily0.20%0.200%Quarterly1st Qtr. 2023

*Annual Percentage Yield
Rates are subject to change without notice. Penalties may apply for early withdrawal. Fees may reduce earnings.

Loan Rates

Auto Loans; Motorcycle Loans; Motorsport Products Loans

Annual Percentage Rate (APR) as low asTermMinimum Finance Amount
6.75% Up To 36 Months-
7.00% 37 – 63 Months-
7.25%64 – 83 Months-
7.64%84 Months-

Rates subject to change without notice. Current rates effective August 1, 2023
Monthly payment example: If you borrow $20,000 for a 60 month term at 7.00%, your monthly payment would be $396.05.

Quoted rates reflect the lowest rate available for new auto loans based on MSRP, 2019 or newer, 740 or higher credit score, 6.75% floor, and max all-in LTV (Loan-To-Value) 135%. Your individual loan rate and LTV will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply.
Maximum loan amount may be affected according to market conditions.
*2016 and older vehicles are subject to a 1.0% rate increase (except where rate prohibits).
*Vehicles with 100k miles or more are subject to a 0.50% rate increase (except where rate prohibits).

-New Vehicles: maximum advance based on MSRP (includes motorcycle type products).
-Used Vehicles: maximum advance based on KBB retail value (includes motorcycle type products).

Hail damaged units are ineligible for financing.
We do not accept salvaged titles.
Terms over 180 months by exception only.

-Bad Credit? Our rates are extremely competitive. We may be able to help you, even if your credit rating is not ideal. Contact us today for more information 520-459-1860.

Boat, Camper, RV Loans and Trucks over 1.5 Tons

Annual Percentage Rate (APR) as low asTermMinimum Finance Amount
8.75% Up To 36 Months-
9.00% 37 – 63 Months-
9.25%64 – 83 Months-
9.64%84 Months-
Inquire for longer terms and/or higher loan amounts. Please Note: Longer terms may have higher rates.Over 84 Months-

Rates subject to change without notice. Current rates effective October 26th, 2023.
Monthly payment example: If you borrow $20,000 for a 60 month term at 8.75%, your monthly payment would be $412.77

Quoted rates reflect the lowest rate available for new auto loans based on MSRP, 2019 or newer, 740 or higher credit score, 6.75% floor, and max all-in LTV (Loan-To-Value) 135%. Your individual loan rate and LTV will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply.
Maximum loan amount may be affected according to market conditions.

*2016 and older vehicles are subject to a 1.0% rate increase (except where rate prohibits).
*Vehicles with 100k miles or more are subject to a 0.50% rate increase (except where rate prohibits).
*Semi trucks begin with MBL (business lending) guidelines.

-New Recreational Vehicles: maximum advance based on dealer cost amount.
-Used Recreational Vehicles: maximum advance based on NADA wholesale value.

Hail damaged units are ineligible for financing.
We do not accept salvaged titles.
Terms over 180 months by exception only.

-Bad Credit? Our rates are extremely competitive. We may be able to help you, even if your credit rating is not ideal. Contact us today for more information 520-459-1860.

Signature / Line Of Credit / Overdraft Protection Loans

Annual Percentage Rate (APR) as low asTermAmount
12.70%0 – 48 Months $100 – $20,000

Rates subject to change without notice. Current rates effective November 4, 2022.
Monthly payment example: If you borrow $5000 for a 24 month term at 12.70%, your monthly payment would be $236.99 for a Closed Signature Loan.

Share Secured Loan

DescriptionAnnual Percentage Rate (APR) as low as
Share Secured Loan2.50% over current share rate
Certificate Secured Loan2.50% over current certificate rate

Rates subject to change without notice. Current rates effective October 2023.
IRA’s and IRA Certificates cannot be used as collateral.

Construction Loans

DescriptionAnnual Percentage Rate (APR)
9 Month, fixed-rate, Construction LoansCall or E-mail for quote

Call our Mortgage Loan Officer at 520-459-1860 for more details.

Other Real Estate Loans

DescriptionAnnual Percentage Rate (APR)
10, 15 and 30 year, closed-end, fixed-rate, 1st MortgageCall or Email for quote

Call our Mortgage Loan Officer at 520-459-1860 for more details.

Home Equity Loans

DescriptionAnnual 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

*Loan to Value

Call our Mortgage Loan Officer at 520-459-1860 for more details.

Home Equity Line of Credit (HELOC) Open-End Loan

DescriptionAnnual Percentage Rate (APR)
Up to 90% LTV*Call or Email for quote

*Loan to Value

Call our Mortgage Loan Officer at 520-459-1860 for more details.