Current Rates

Check back often to see our latest, competitive rates.

This is your resource for current mortgage rates, as well as rates for CDs, IRAs, checking accounts and savings accounts.

Mortgage Rates

Effective Date: Sunday, October 21, 2018

 RatePointsAPRPayment**
30 Year Fixed4.875%04.951%$529
20 Year Fixed4.750%04.854%$646
15 Year Fixed4.375% 04.506%$759
Disclaimer

** Payment based per $100,000 amount

Columns labeled “APR” refer to the “Annual Percentage Rate”. For definitions of these and other home mortgage terms visit Mortgage Terms & Definitions.

ANNUAL PERCENTAGE RATE (APR) IS BASED ON $100,000 LOAN AMOUNT WITH 20% DOWNPAYMENT. LOANS WITH LTV’S GREATER THAN 80% REQUIRE PRIVATE MORTGAGE INSURANCE. APR-To make it easier for consumers to compare mortgage loan interest rates, the federal government developed a standard format called an “Annual Percentage Rate” or APR to provide an effective interest rate for comparison shopping purposes. Some of the costs that you pay at closing are factored into the APR for ease of comparison. Your actual monthly payments are based on the interest rate, not the APR. Special Information for all adjustable rate mortgages- The interest rates are subject to change and may increase or decrease due to market-driven changes to the index. For information regarding our arm products, margins, caps and indexes, please call 877-757-7815. RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE

CDs & IRAs

Effective Date: Sunday, October 21, 2018

 Minimum Balance
to Earn APY
Interest RateAPY
3-Month CD$500.15%.15%
Youth 6-Month CD$75.25%.25%
6-Month CD$500.30%.30%
12-Month CD$500.50%.50%
2-Yr CD$500.75%.75%
3-Yr CD$500.85%.85%
4-Yr CD$5001.24%1.25%
5-Yr CD$5001.54%1.55%
IRA/SEP Savings-Variable Rate$25.20%.20%
Disclaimer

Annual Percentage Yield (APY) is accurate as of effective date listed above.

Certificates of Deposit are available as Individual Retirement Account. Deposits of $250 or more may be added during the term to all new and renewed IRA/SEP CDs. For IRAs, the minimum amount you can deposit is designated in your IRA disclosure.

A penalty may be imposed for early withdrawal of certificates of deposit, including IRAs/SEPs invested in certificates of deposit.

The rate may change on variable rate deposit products after the account is opened.

Personal Checking Accounts

Effective Date: Sunday, October 21, 2018

 Minimum to
Open Account
Minimum Balance
to Earn APY
Interest RateAPY
Reward Checking *
Personal Accounts Only
$25$1.05%.05% +
$25$1-$25,000.50%.50% +
$25Above $25,000.10%.10% +
Bonus Benefits*$25$1.05%.05%
Disclaimer

Annual Percentage Yield (APY) is accurate as of effective date listed above.

*The following requirements must be met each monthly activity cycle to earn APY:

  • Access online banking at least once
  • Receive your monthly statement electronically
  • One direct deposit or ACH auto debit transaction
  • Make at least ten (10) Debit Card transactions (excluding ATM transactions)

Requirements must be met each monthly qualification cycle to earn bonus rates and ATM refunds. The qualification cycle means the period beginning on the third (3rd) Friday of the month and running through to the close of the current statement cycle on the third (3rd) Thursday of the month. If the required minimum monthly activity is performed during the qualified cycle, your account will be credited interest calculated using the bonus rate tiers. If the required minimum monthly activity is not performed during the qualification cycle, your account will be credited interest calculated using the base interest rate.

+ .50% APY paid on balances $1-$25,000, and 0.10% APY paid on all amounts above $25,000 each cycle the minimum requirements are met. If you do not meet the requirements during a given cycle, you will earn the Base Rate of 0.05% APY.

$25 minimum to open account all checking accounts.
All rates are subject to change without notice.

Personal Savings Accounts

Effective Date: Sunday, October 21, 2018

 Minimum to
Open Account
Minimum Balance
to Earn APY
Interest RateAPY
Statement Savings *
Variable Rate
$50$50.10%.10%
Youth Statement Savings
Variable Rate
$1$4.10%.10%
Savers Club
Variable Rate
$2$2.10%.10%
Money Market Account*
Variable Rate ¹
$1,000$1,000.00-$9,999.99.05%.05%
$10,000-$49,999.99.10%.10%
$50,000-$99,999.99.15%.15%
$100,000-$499,999.99 .25%.25%
$500,000.00-over.30%.30%
Health Savings Account *
Variable Rate
$25$1.05%.05%
$1,000.10%.10%
$5,000.15%.15%
$15,000.20%.20%
Disclaimer

Annual Percentage Yield (APY) is accurate as of effective date listed above.

The rate may change on variable rate deposit products after the account is opened.

All rates are subject to change without notice.

* Fees could reduce the earnings on the account.

¹ This is a tiered rate account.  The interest rate paid will be based on balances defined by tier.

Business Checking & Savings Accounts

Effective Date: Sunday, October 21, 2018

 Minimum to
Open Account
Minimum Balance
to Earn APY
Interest RateAPY
Non-Profit Plus
Variable Rate
$500$10,000.20%.20%
$50,000.30%.30%
Business NOW Account$500$500.05%.05%
Money Market Account*
Variable Rate ¹
$1000$1,000.00-$9,999.99 .05%.05%
$10,000-$49,999.99.10%.10%
$50,000-$99,999.99.15%.15%
$100,000-$499,999.99.25%.25%
$500,000-over.30%.30%
Disclaimer

Annual Percentage Yield (APY) is accurate as of effective date listed above.

All rates are subject to change without notice.

The rate may change on variable rate deposit products after the account is opened.

* Fees could reduce the earnings on the account.

¹ This is a tiered rate account. The interest rate paid will be based on balances defined by tier.