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Rates and Fees

Download and view our latest consumer loan and deposit account rates.

Rates and Fees

Download and view our latest rates

Below you can download our latest consumer loan rates, deposit rates, and fees.

Consumer Loan Rates

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Deposit Rates and Fees

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Effective Date as of 05/01/2024

Checking

AccountDividend rateAPY*
Free Plus Interest Checking10.25%0.25%
Refresh Checking20.00%0.00%

Effective Date as of 05/01/2024

Savings

AccountDividend rateAPY*
Minimum Balance Savings0.20%0.20%
Prime Time Savings0.25%0.25%
Holiday Club Account*0.20%0.20%

Effective Date as of 05/01/2024

Kids & Teen Savings Accounts

AccountDividend rateAPY*
Cub Savings10.15%0.15%
Cubby Certificate24.89%5.00%
iPlus Youth Savings0.15%0.15%
iProsper Teen Savings Savings0.15%0.15%
Open a Youth account

Effective Date as of 05/01/2024

Money Market Accounts

BALANCEDividend rateAPY*
$1,000 – $9,9990.896%0.90%
$10,000 – $49,9991.094%1.10%
$50,000 – $99,9991.193%1.20%
$100,000 and above1.292%1.30%

Effective Date as of 02/23/24

Certificates

AccountDividend rateAPY*Additional Info
6-Month Certificate2.227%2.25%$1,000 minimum to open
12-Month Certificate2.765%2.80%$1,000 minimum to open
18-Month Certificate2.911%2.95%$1,000 minimum to open
24-Month Certificate3.008%3.05%$1,000 minimum to open

Effective Date as of 05/20/2024

Mortgage Loans

TERMRAtesAPR*
30-Year Fixed6.63%6.82%
30-Year Fixed (Investment Property)7.50%7.73%
15-Year Fixed6.00%6.22%
Apply Now

Effective Date as of 05/01/2024

Home Equity Line of Credit (HELOC)

ProductTermAPR*
Owner Occupied22 Years8.50%
Non-Owner Occupied22 Years9.00%
Apply Now

Effective Date as of 05/01/2024

Home Equity Loans

ProductTermAPR*
Owner Occupied60 months7.57%
Owner Occupied120 months7.97%
Owner Occupied180 months8.19%
Non-Owner Occupied180 months8.69%
Apply Now

Effective Date as of 05/01/2024

Auto Loans

ProductTermAPR*Additional Info
New Auto (2017-2024)60 months7.24%90 DAYS NO PAYMENT** and
Up to 125% financing available
New Auto (2017-2024)72 months7.49%Vehicle must have less
than 150,000 miles
New Auto (2017-2024)84 months7.74%84 mo. Term available to 680
Credit or higher only
Used Auto (2009-2016)48 months8.74%90 DAYS NO PAYMENT** and
Up to 125% financing available
Used Auto (2009-2016)60 months8.99%Vehicles over
150,000 miles apply
Used Auto (2009-2016)72 months9.24%Add 2% to vehicles
2007 and older 
Apply Now

Effective Date as of 05/01/2024

Boat, Motorcycle, RV, and other Rec Vehicles

ProductTermAPR*Additional Info
Large Rec Vehicle (Travel RV, Boat, UTV) (2016-2023)60 months9.99%
Large Rec Vehicle (Travel RV, Boat, UTV) (2016-2023)84 months10.24%UTV/Side-by-sides max term is 84 months
Large Rec Vehicle (Travel RV, Boat, UTV) (2016-2023)144 months10.49%
Small Rec Vehicle (Motorcycle, Scooter, ATV) (2016-2023)60 months9.74%60 month max term for vehicles 2015 and older
Small Rec Vehicle (Motorcycle, Scooter, ATV) (2016-2023)72 months9.99%Add .50% for vehicles 2015 and older
Small Rec Vehicle (Motorcycle, Scooter, ATV) (2016-2023)84 months10.24%
Apply Now

Effective Date as of 05/01/2024

Revolving Lines of Credit

ProductFEEAPR*Additional Info
Personal Line of CreditNo loan fee15.49%Borrow up to $15,000
Visa Platinum Credit CardNo annual fee12.99%
Visa Classic Credit CardNo annual fee14.99%
Visa New Beginnings Credit Card$12 annual fee18.00%
Apply for a Personal Line of Credit Apply for a Credit Card

Effective Date as of 05/01/2024

Personal Loans

ProductTermAPR*Additional Info
Personal Loan60 Months13.24%Loan amounts
up to $20,000
Care Worker Loan (Available
only to UDW Members) 
12 Months14.99%Discount Available
(Conditions Apply)
Bike Loan48 Months6.99%Loan amounts from
$1,000 to $7,500
Share Secured60 Months2.99%
Payday Relief Loan6 Months25.00%Loan amounts from
$200 to $1,000; $20 app fee
Apply for a Care Worker Loan Apply for a Personal Loan

Effective Date as of 05/01/2024

Student Loans

ProductTermsAPR*
In-School (Fixed Rate)Up to 144 monthsStarting at 9.10%
In-School (Variable Rate)*Up to 144 monthsStarting at 7.15%
Parent Student Loan (Fixed Rate)Up to 180 monthsStarting at 7.60%
Parent Student Loan (Variable Rate)*Up to 180 monthsStarting at 7.10%
Education Refi (Fixed Rate)Up to 180 monthsStarting at 7.60%
Education Refi (Variable Rate)*Up to 180 monthsStarting at 7.10%
Apply for In-School Loan Apply for parent loan Apply for Education Refi Loan

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