VISA® with No Annual Fee, No Balance Transfer Fee

*Certain restrictions apply. Rates from 9.95%-17.95%APR. UChoose Reward Points not redeemable for cash.
Account Type APR
Purchases As Low As 9.95%*
Cash Advances As Low As 9.95%*

Auto Loans

Ask About Guaranteed Asset Protection, Mechanical Repair Coverage and Loyalty Pointe Discounts *APR= Annual Percentage Rates. Rates effective as of May 1, 2020 and are subject to credit, terms and underwriting criteria. Promotional rate includes a .10% automatic-payment discount. Please contact a loan officer to determine your best rate and terms. Loyalty Pointe Promotional offers may vary. Certain restrictions apply. Please see loan officer for details.
Account Type Term APR
New Autos 36 Months As Low As 1.99%
New Autos 60-84 Months Call for Pricing
Used Autos 36 Months As Low As 2.69%
Used Autos 60-84 Months Call for Pricing

Boats & Campers

Ask About Guaranteed Asset Protection, Mechanical Repair Coverage and Loyalty Pointe Discounts *APR= Annual Percentage Rates. Rates effective as of May 1, 2020 and are subject to credit, terms and underwriting criteria. Promotional rate includes a .10% automatic-payment discount. Please contact a loan officer to determine your best rate and terms. Loyalty Pointe Promotional offers may vary. Certain restrictions apply. Please see loan officer for details.
Account Type APR
New or Used As Low As 5.99%

Unsecured Loans

*APR= Annual Percentage Rates. Rates effective as of May 1, 2020 and are subject to credit, terms and underwriting criteria. Promotional rate includes a .10% automatic-payment discount. Please contact a loan officer to determine your best rate and terms. Loyalty Pointe Promotional offers may vary. Certain restrictions apply. Please see loan officer for details.
Account Type APR
Unsecured, Line of Credit & Overdraft As Low As 8.95% - Up To 17.95%

Account Rates

Effective June 2, 2020

APY is Annual Percentage Yield. Rates subject to change. Please call for most current updates. *Dividend period Quarterly **Dividend period Monthly ***Dividend period Monthly / If less than $1,000 minimum, APY = current Checking Rate & subject to monthly fee.
Account Type Minimum Balance Dividend Rate APY
Savings* $5.00 0.05% 0.05%
Checking** None 0.05% 0.05%
Christmas Club* None 0.10% 0.10%
Vacation Club* None 0.10% 0.10%
Money Market*** $1,000.00 - $25,000.00 0.10% 0.10%
Money Market*** $25,000.01 - $75,000.00 0.20% 0.20%
Money Market*** $75,000.01 + 0.35% 0.35%

Certificate Rates

Effective June 2, 2020

APY is Annual Percentage Yield. Rates subject to change. Please call for most current updates. *Dividend period Quarterly. Share certificates require a $500 minimum deposit and opening balance. Deposits of $500 or more may be added to 3-18 month certificates only. Junior Certificates require a $100 minimum deposit and opening balance. A one-time rate adjustment can be requested during the term of any certificate. The maturity of the certificate will not be affected. Seniors (age 55 and older) receive an additional .15% APR to the rates listed above for share and IRA certificates.
Account Type Term Dividend Rate APY
Share Certificate* 3 Months 0.10% 0.10%
Share Certificate* 6 Months 0.15% 0.15%
Share Certificate* 12 Months 0.70% 0.70%
Share Certificate* 18 Months 0.75% 0.75%
Share Certificate* 24 Months 0.80% 0.80%
Share Certificate* 36 Months 0.90% 0.90%
Share Certificate* 48 Months 1.00% 1.00%
Share Certificate* 60 Months 1.05% 1.06%
Junior Saver Certificate* 12 Months 0.70% 0.70%
IRA Certificate* 12 Months 0.70% 0.70%
IRA Certificate* 18 Months 0.75% 0.75%
IRA Certificate* 24 Months 0.80% 0.80%
IRA Certificate* 36 Months 0.90% 0.90%
IRA Certificate* 48 Months 1.00% 1.00%
IRA Certificate* 60 Months 1.05% 1.06%

Motorcycles

Ask About Loyalty Pointe Discounts

Ask About Guaranteed Asset Protection, Mechanical Repair Coverage and Loyalty Pointe Discounts *APR= Annual Percentage Rates. Rates effective as of May 1, 2020 and are subject to credit, terms and underwriting criteria. Promotional rate includes a .10% automatic-payment discount. Please contact a loan officer to determine your best rate and terms. Loyalty Pointe Promotional offers may vary. Certain restrictions apply. Please see loan officer for details.
Account Type APR
New or Used As Low As 5.99%