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Effective Date: 07/15/2026

Savings and Checking Rates

  • Savings Accounts
    • Share Accounts

      Regular Share Account

      Account Amount Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate1 Relationship APY1
      $500 - $49,999 † Variable $5 $500 0.025% 0.025% N/A N/A
      $50,000 & Above Variable $5 $50,000 0.035% 0.035% N/A N/A

      Share Plus Account*

      Account Amount Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate1 Relationship APY1
      $2,500 - $24,999 Variable $2,500 $2,500 0.025% 0.025% N/A N/A
      $25,000 & Above Variable $2,500 $25,000 0.035% 0.035% N/A N/A
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    • Holiday Club Accounts
      Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate1 Relationship APY1
      Holiday Club Accounts Variable $5 $100 0.050% 0.050% N/A N/A
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    • IRA Share Accounts
      Account Amount Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate1 Relationship APY1
      $500 & Above Variable $5 $500 0.035% 0.035% N/A N/A
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  • Checking Accounts
    • Personal Checking

      Absolutely Free

      Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate1 Relationship APY1
      Absolutely Free Checking Accounts N/A $45 N/A N/A N/A N/A N/A

      50+ Dividend Checking

      Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate1 Relationship APY1
      50+ Dividend Checking Variable $45 $0 0.035% 0.035% N/A N/A

      Direct Dividend Checking

      Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate1 Relationship APY1
      Direct Dividend Checking Variable $45 $0 0.035% 0.035% N/A N/A

      Premium Dividend Checking

      Account Amount Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate1 Relationship APY1
      $45 - $999 Variable $45 $45 0.025% 0.025% N/A N/A
      $1,000 & Above Variable $45 $1,000 0.035% 0.035% N/A N/A
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    • Business Dividend Checking

      Business Checking

      Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate1 Relationship APY1
      Business Checking Non-Dividend $45 N/A N/A N/A N/A N/A
      Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate1 Relationship APY1
      Business Dividend Checking** Variable $45 $1,000 0.025% 0.025% N/A N/A
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  • Money Market Accounts
    • Premier Money Market

      Premier Money Market ‡

      Account Amount Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate1 Relationship APY1
      $10,000 - $49,999.99 Variable $10,000 $10,000 0.500% 0.500% 0.750% 0.750%
      $50,000 - $99,999.99 Variable $10,000 $50,000 1.000% 1.000% 1.250% 1.260%
      $100,000 - $199,999.99 Variable $10,000 $100,000 2.000% 2.020% 2.250% 2.270%
      $200,000 - $299,999.99 Variable $10,000 $200,000 3.000% 3.040% 3.250% 3.300%
      $300,000 & Above Variable $10,000 $300,000 3.250% 3.300% 3.500% 3.560%
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    • Business Money Market

      Business Money Market ‡

      Account Amount Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate1 Relationship APY1
      $10,000 - $49,999.99 Variable $10,000 $10,000 0.500% 0.500% 0.750% 0.750%
      $50,000 - $99,999.99 Variable $10,000 $50,000 1.000% 1.000% 1.250% 1.260%
      $100,000 - $199,999.99 Variable $10,000 $100,000 2.000% 2.020% 2.250% 2.270%
      $200,000 - $299,999.99 Variable $10,000 $200,000 3.000% 3.040% 3.250% 3.300%
      $300,000 & Above Variable $10,000 $300,000 3.250% 3.300% 3.500% 3.560%
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Share & IRA Certificates

  • Share & IRA Certificates

    Certificate Rates Regular $1,000 to $9,999

    Share & IRA Certificates Type Minimum Rate APY
    12 - 23 Month Certificate Fixed $1,000 0.125% 0.125%
    24 - 35 Month Certificate Fixed $1,000 0.175% 0.175%
    36 - 47 Month Certificate Fixed $1,000 0.300% 0.300%
    48 - 59 Month Certificate Fixed $1,000 0.399% 0.400%
    60 Month Certificate Fixed $1,000 0.499% 0.500%

    Certificate Rates Premium $10,000 to $24,999

    Share & IRA Certificates Type Minimum Rate APY
    180 - 364 Day Certificate Fixed $10,000 N/A N/A
    12 - 23 Month Certificate Fixed $10,000 0.125% 0.125%
    24 - 35 Month Certificate Fixed $10,000 0.175% 0.175%
    36 - 47 Month Certificate Fixed $10,000 0.300% 0.300%
    48 - 59 Month Certificate Fixed $10,000 0.399% 0.400%
    60 Month Certificate Fixed $10,000 0.499% 0.500%

    Certificate Rates Premium Plus $25,000 to $49,999

    Share & IRA Certificates Type Minimum Rate APY
    180 - 364 Day Certificate Fixed $25,000 N/A N/A
    12 - 23 Month Certificate Fixed $25,000 0.125% 0.125%
    24 - 35 Month Certificate Fixed $25,000 0.175% 0.175%
    36 - 47 Month Certificate Fixed $25,000 0.300% 0.300%
    48 - 59 Month Certificate Fixed $25,000 0.399% 0.400%
    60 Month Certificate Fixed $25,000 0.499% 0.500%

    Certificate Rates Jumbo $50,000 to $99,999

    Share & IRA Certificates Type Minimum Rate APY
    180 - 364 Day Certificate Fixed $50,000 N/A N/A
    12 - 23 Month Certificate Fixed $50,000 0.125% 0.125%
    24 - 35 Month Certificate Fixed $50,000 0.175% 0.175%
    36 - 47 Month Certificate Fixed $50,000 0.300% 0.300%
    48 - 59 Month Certificate Fixed $50,000 0.399% 0.400%
    60 Month Certificate Fixed $50,000 0.499% 0.500%

    Certificate Rates Jumbo Plus $100,000+

    Share & IRA Certificates Type Minimum Rate APY
    180 - 364 Day Certificate Fixed $100,000 N/A N/A
    12 - 23 Month Certificate Fixed $100,000 0.125% 0.125%
    24 - 35 Month Certificate Fixed $100,000 0.175% 0.175%
    36 - 47 Month Certificate Fixed $100,000 0.300% 0.300%
    48 - 59 Month Certificate Fixed $100,000 0.399% 0.400%
    60 Month Certificate Fixed $100,000 0.499% 0.500%

    CD Special - 18 Month Certificate

    Account Amount Type Minimum Rate APY
    $1,000 - $49,999 Fixed $1,000 3.930% 4.000%
    $50,000 - $99,999 Fixed $50,000 4.070% 4.150%
    $100,000 & Above Fixed $100,000 4.170% 4.250%
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Youth Accounts

  • Youth Accounts

    Planet M & Boom Savings Accounts

    Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate1 Relationship APY1
    Planet M & Boom Accounts Variable $5 $1 0.050% 0.050% N/A N/A

    Boom Checking Account

    Account Name Rate Type Minimum Opening Balance Minimum to Earn Dividend Base Dividend Rate Base APY Relationship Dividend Rate1 Relationship APY1
    Boom Checking Accounts N/A $5 N/A N/A N/A N/A N/A

    Youth Certificates Regular $500 to $999

    Share & IRA Certificates Type Minimum Rate APY
    Planet M & Boom 180-Day Certificate Fixed $500 0.150% 0.150%

    Youth Certificates Premium $1,000 to $5,000

    Share & IRA Certificates Type Minimum Rate APY
    Planet M & Boom 180-Day Certificate Fixed $1,000 0.150% 0.150%
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Loan Rates

  • Auto Loans

    New Vehicle Loan: Model Year 2026

    Details Annual Percentage Rate
    Terms up to 84 months
    Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade and Warranty.
    * Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).    		 5.74%* – 12.49%*

    Used Auto Loan: Model Years 2025-2018

    Details Annual Percentage Rate
    Terms 36-84 months.
    Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade, and Warranty.
    * Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).    		 5.99%* – 12.74%*

    Used Auto Loan: Model Years 2017-2015

    Details Annual Percentage Rate
    Terms up to 66 months.
    Maximum Total Advance up to 90% - Max LTV of MSRP of Retail KBB includes tax, license, Docs, Negative Trade and Warranty.
    * Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).    		 8.74% –16.74%

    First Time Buyers Program - New or Used Auto

    Maximum Term 60 Months Financing up to 90%* of MSRP or Retail KBB includes tax, license & Docs.
    FTB Interest Rate 14.49% With Credit History-Maximum Loan Amount $20,000; 15% Cash Down of "Total Cash Price."
    FTB Interest Rate 15.49% No Credit History- Maximum Loan Amount $16,000; 20% Cash Down of "Total Cash Price."

  • Boat, RV, Motorcycle, Jet Ski & All Terrain Vehicles

    New Boats & Recreational Vehicles

    Details Annual Percentage Rate
    Terms up to 180 months - Maximum loan amount $200,000
    Financing up to 90% of purchase price, plus tax & license
    * Rates vary with amount financed, term and your credit history. Limited to boats larger than 12 feet and smaller than 30 feet. Purchase order must state "New" to be eligible for stated rate.    		 8.50%* – 11.50%*

    Used Boats & Recreational Vehicles

    Details Annual Percentage Rate
    Terms up to 180 months
    Financing up to 90% of purchase price, plus tax & license, or 100% of wholesale price as indicated in the NADA Book, whichever is less.
    Private party sales may require outside appraisal. * Rates vary with amount financed, term and your credit history. Limited to boats larger than 12 feet and smaller than 30 feet. Maximum loan amount of $150,000.    		 9.50%* – 12.50%*

    Motorcycle, Jet Ski & All Terrain Vehicles

    Details Annual Percentage Rate
    Terms up to 72 months
    Financing up to 90% of purchase price, plus tax & license.
    New = Never titled & less than 1,000 miles
    Used = Previously titled or over 1,000 miles. Add 0.50% to rate
    Must provide full insurance coverage. * Rates vary with amount financed, term and your credit history.    		 9.50%* – 12.60%*
  • Credit Cards

    Mastercard Credit Card

    Details Annual Percentage Rate
    Mastercard - Limits from $300.00 to $25,000
    No annual fee
    25 day grace period on purchases
    * Rates vary with amount financed, term, and your credit history.    		 12.99%* – 17.99%*

    Mastercard - Secured

    Details Annual Percentage Rate
    No credit history. Credit line $250 - $2,500
    Secured Mastercard requires 150% of the amount of line of credit to be pledged and maintained on deposit.
    First Time Borrower (FTB) = Minimum 3 yr credit history
    $500 Max. limit at Tier 5 Rate    		 15.99%
  • Personal Loans

    Signature Loan

    Details Annual Percentage Rate
    Loan amounts up to $25,000
    Terms up to 60 months
    * Rates vary with amount financed, term, and your credit history.    		 10.99%* – 17.99%*

    Starter Loan - to build or establish credit history

    Details Annual Percentage Rate
    $500-$1000
    Terms up to 24 months. Must have time on job and demonstrate ability to repay.    		 17.99%

    Secured Loans

    Type Annual Percentage Rate
    Primary Share 5.00%
    Share Plus 5.50%
    Certificate 5.00% over Certificate rate
    Payment based on $20 per $1,000. Minimum loan amount $500.00 Maximum loan amount $50,000.00

Fees may reduce earnings. . Click to view General Fee Schedule. For complete terms and conditions for all account types, please refer to our Truth in Savings Disclosure.
1 To earn the Relationship Dividend Rate and APY, the primary account owner must maintain at least two (2) of the following qualifying active services in good standing during the statement cycle:
1) An aggregate of $500 or more in direct deposits per statement cycle.
2) An open Consumer Loan.
3) An open First Mortgage or Home Equity Line of Credit (HELOC).
4) An active Credit Union Credit Card or open Commercial Loan.
If relationship qualifications are not met, the account will earn the standard Base Dividend Rate and Base APY applicable to your balance tier.
† A minimum average daily balance of $500 is required in the account each day to obtain the annual percentage yield.
‡ A minimum average daily balance of $1,000 is required in the account each day to obtain the annual percentage yield.
* If the account does not maintain an average daily balance of $2,500, a $5 monthly fee will be assessed.
** If the account does not maintain an average daily balance of $5,000, a $15 monthly fee will be assessed.

Rates are effective as of dividend date noted and are subject to change without notice. For the purposes of this disclosure, the dividend rate and Annual Percentage Yield (APY) stated for the Term Share Certificates were offered within the most recent seven calendar days and were accurate as of the dividend date noted. For current rates call (209) 444-5300 or (800) 675-5114.

Early withdrawal penalty: We may impose a penalty if you withdraw principal from your account before the maturity date. Please refer to your Truth-in-Savings Disclosure for further details.

These offers are subject to change without notice. Your savings is federally insured up to at least $250,000 and is backed by the full faith and credit of the United States Government by the National Credit Union Administration (NCUA), a U.S. Government Agency.

Planet M & Boom 180-Day Certificate is for members up to age 18. Minimum opening balance of $500. Maximum deposit of $5,000.

All rates and terms are subject to change without notice. For current rates, call (800) 675-5114 or (209) 444-5300.

Annual Percentage Rate is subject to change without notice. This is not intended as a full disclosure; it is for general information only. Your actual rate may vary. All rates and terms are subject to change and are based on approved credit (OAC).

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