Current Rates

Deposit Rates

Primary Share

Minimum Balance

$1.00

Dividend Calculation

Daily

Frequency of Compounding

Quarterly

Annual Dividend Rate

0.050%

Annual Percentage Yield (APY)

0.05%

Subject to Change

Quarterly
Christmas Club

Minimum Balance

$0.00

Dividend Calculation

Daily

Frequency of Compounding

Quarterly

Annual Dividend Rate

0.050%

Annual Percentage Yield (APY)

0.05%

Subject to Change

Quarterly
Health Savings Club

Minimum Balance

$0.00

Dividend Calculation

Daily

Frequency of Compounding

Quarterly

Annual Dividend Rate

0.100%

Annual Percentage Yield (APY)

0.10%

Subject to Change

Quarterly
Jump Start Savings $0 - $5,000*

Minimum Balance

$0.00

Dividend Calculation

Daily

Frequency of Compounding

Quarterly

Annual Dividend Rate

2.000%

Annual Percentage Yield (APY)

2.00%

Subject to Change

Quarterly
Vacation Club

Minimum Balance

$0.00

Dividend Calculation

Daily

Frequency of Compounding

Quarterly

Annual Dividend Rate

0.050%

Annual Percentage Yield (APY)

0.05%

Subject to Change

Quarterly

APY is accurate as of 6/1/2022. Dividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends. Fees could reduce earnings.
*A Jump Start Saving Account is for ages 0 to 23 only. If under 18, the child must be accompanied by a parent or legal guardian to open an account who will sign as a joint-account owner. The account balance will be automatically transferred to a primary share savings account when the member reaches age 24. Balance over $5,000 continues to earn the regular share savings rates.

High Yield Checking ($0 - $15,000)

Minimum Balance

$0

Dividend Calculated

Daily

Frequency of Compounding

Daily

Annual Dividend Rate

3.941%

Annual Percentage Yield (APY)

4.00%

Subject to Change

Monthly
High Yield Checking ($15,000.01 +)

Minimum Balance

$0

Dividend Calculated

Daily

Frequency of Compounding

Daily

Annual Dividend Rate

0.050%

Annual Percentage Yield (APY)

0.05%

Subject to Change

Monthly
Everyday Checking

Minimum Balance

$0

Dividend Calculated

Daily

Frequency of Compounding

Daily

Annual Dividend Rate

0.050%

Annual Percentage Yield (APY)

0.05%*

Subject to Change

Monthly

APY is accurate as of 11/1/2023. Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.

View qualification requirements for High Yield Checking and Everyday Checking.

Limited Time Offers

6 Months (ADR/APY)

2.96/3.00%⁵
50% New Money

9 Months (ADR/APY)

5.41/5.55%⁶
100% New Money

12 Months (ADR/APY)

4.41/4.50%⁷
100% New Money
Jumbo Certificate $100,000+

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months¹ (ADR/APY)

0.250/0.25%

18 Months (ADR/APY)

1.193/1.20%

19 Months² (ADR/APY)

0.399/0.40%

24 Months (ADR/APY)

0.747/0.75%

25 Months³ (ADR/APY)

0.399/0.40%

36 Months (ADR/APY)

0.549/0.55%

60 Months⁴ (ADR/APY)

1.094/1.10%
$50,000-99,999

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months¹ (ADR/APY)

0.200/0.20%

18 Months (ADR/APY)

1.193/1.20%

19 Months² (ADR/APY)

0.349/0.35%

24 Months (ADR/APY)

0.747/0.75%

25 Months³ (ADR/APY)

0.349/0.35%

36 Months (ADR/APY)

0.549/0.55%

60 Months⁴ (ADR/APY)

1.094/1.10%
$10,000-49,999

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months¹ (ADR/APY)

0.150/0.15%

18 Months (ADR/APY)

1.193/1.20%

19 Months² (ADR/APY)

0.300/0.30%

24 Months (ADR/APY)

0.747/0.75%

25 Months³ (ADR/APY)

0.300/0.30%

36 Months (ADR/APY)

0.549/0.55%

60 Months⁴ (ADR/APY)

1.094/1.10%
$500-9,999

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months¹ (ADR/APY)

0.100/0.10%

18 Months (ADR/APY)

1.193/1.20%

19 Months² (ADR/APY)

0.250/0.25%

24 Months (ADR/APY)

0.747/0.75%

36 Months (ADR/APY)

0.549/0.55%

60 Months⁴ (ADR/APY)

1.094/1.10%

APY is accurate as of 10/13/2023. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
1. 13 Month Select Rate Share Certificate rate may change once after 6 months at member's request.
2. 19 Month Select Rate Share Certificate rate may change once after 9 months at member's request.
3. 25 Month Select Rate Share Certificate rate may change once after 12 months at member's request.
4. 60 Month Share Certificate rate is a fixed rate.
5. Minimum balance to receive advertised rate is $500. Requires 50% of opening deposit to be new money, not transferred from an existing Y-12 FCU account. Rates accurate as of 11/17/2022. APY is Annual Percentage Yield. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Penalties apply for early withdrawal. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA.
6. Minimum balance to receive advertised rate is $10,000. Rates accurate as of 10/13/2023 and require 100% new money not transferred from an existing Y-12 FCU account. APY is Annual Percentage Yield. Rates subject to change without notice. Penalties apply for early withdrawal. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Federally insured by NCUA.
7. Minimum balance to receive advertised rate is $500. Rates accurate as of 11/17/2022 and require new money not transferred from an existing Y-12 FCU account.. APY is Annual Percentage Yield. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Penalties apply for early withdrawal. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA.

High Yield Money Market¹

Minimum Balance

$25,000

Dividend Calculated

Daily

Frequency of Compounding

Quarterly

Annual Dividend Rate

4.410%

Annual Percentage Yield (APY)

4.50%

Subject to Change

Daily
Money Market Plus $50,000-249,999

Minimum Balance

$50,000

Dividend Calculated

Daily

Frequency of Compounding

Quarterly

Annual Dividend Rate

0.748%

Annual Percentage Yield (APY)

0.75%

Subject to Change

Daily
Money Market Plus $250,000+

Minimum Balance

$250,000

Dividend Calculated

Daily

Frequency of Compounding

Quarterly

Annual Dividend Rate

0.996%

Annual Percentage Yield (APY)

1.00%

Subject to Change

Daily
Money Market $100,000+

Minimum Balance

$100,000

Dividend Calculated

Daily

Frequency of Compounding

Monthly

Annual Dividend Rate

0.300%

Annual Percentage Yield (APY)

0.30%

Subject to Change

Daily
Money Market $75,000-99,999

Minimum Balance

$75,000

Dividend Calculated

Daily

Frequency of Compounding

Monthly

Annual Dividend Rate

0.250%

Annual Percentage Yield (APY)

0.25%

Subject to Change

Daily
Money Market $25,000-74,999

Minimum Balance

$25,000

Dividend Calculated

Daily

Frequency of Compounding

Monthly

Annual Dividend Rate

0.200%

Annual Percentage Yield (APY)

0.20%

Subject to Change

Daily
Money Market $2,500-24,999

Minimum Balance

$2,500

Dividend Calculated

Daily

Frequency of Compounding

Monthly

Annual Dividend Rate

0.150%

Annual Percentage Yield (APY)

0.15%

Subject to Change

Daily

APY is Annual Percentage Yield. Rates accurate as of 11/1/2023. Dividends calculated daily, compounded/posted monthly. Fees may reduce earnings. Federally insured by NCUA.
¹High Yield Checking required. The Annual Percentage Yield (APY) for High Yield Money Market is 4.50% if High Yield Checking and minimum balance requirements are met. Minimum average daily balance of $25,000 required to earn dividends. 1.00% for balances $25,000 and over if requirements are not met for High Yield Checking. If High Yield Checking is closed no dividends earned. Rates accurate as of 11/1/2023. Rates subject to change without notice. Fees may reduce earnings on account. Federally insured by NCUA.

Traditional

Minimum Balance

$0.00

Annual Dividend Rate

0.100%

Annual Percentage Yield (APY)

0.10%

Subject to Change

Quarterly
Roth Club

Minimum Balance

$0.00

Annual Dividend Rate

0.100%

Annual Percentage Yield (APY)

0.10%

Subject to Change

Quarterly
Education Club

Minimum Balance

$0.00

Annual Dividend Rate

0.100%

Annual Percentage Yield (APY)

0.10%

Subject to Change

Quarterly

APY is accurate as of 12/29/2022. Dividends calculated daily, compounded/posted quarterly. There is a penalty for early withdrawal.

Jumbo Certificate $100,000+

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months (ADR/APY)

0.250/0.25%

18 Months (ADR/APY)

1.193/1.20%

19 Months (ADR/APY)

0.399/0.40%

24 Months (ADR/APY)

0.747/0.75%

25 Months (ADR/APY)

0.399/0.40%

36 Months (ADR/APY)

0.549/0.55%

60 Months (ADR/APY)

1.094/1.10%
$50,000-99,999

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months (ADR/APY)

0.200/0.20%

18 Months (ADR/APY)

1.193/1.20%

19 Months (ADR/APY)

0.349/0.35%

24 Months (ADR/APY)

0.747/0.75%

25 Months (ADR/APY)

0.349/0.35%

36 Months (ADR/APY)

0.549/0.55%

60 Months (ADR/APY)

1.094/1.10%
$10,000-49,999

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months (ADR/APY)

0.150/0.15%

18 Months (ADR/APY)

1.193/1.20%

19 Months (ADR/APY)

0.300/0.30%

24 Months (ADR/APY)

0.747/0.75%

25 Months (ADR/APY)

0.300/0.30%

36 Months (ADR/APY)

0.549/0.55%

60 Months (ADR/APY)

1.094/1.10%
$500-9,999

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months (ADR/APY)

0.100/0.10%

18 Months (ADR/APY)

1.193/1.20%

19 Months (ADR/APY)

0.250/0.25%

24 Months (ADR/APY)

0.747/0.75%

36 Months (ADR/APY)

0.549/0.55%

60 Months (ADR/APY)

1.094/1.10%

APY is accurate as of 12/29/2022. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.

Jumbo Certificate $100,000+

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months1 (ADR/APY)

0.250/0.25%

18 Months (ADR/APY)

1.193/1.20%

19 Months2 (ADR/APY)

0.399/0.40%

24 Months (ADR/APY)

0.747/0.75%

25 Months3 (ADR/APY)

0.399/0.40%

60 Months (ADR/APY)

1.094/1.10%
$50,000-99,999

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months1 (ADR/APY)

0.200/0.20%

18 Months (ADR/APY)

1.193/1.20%

19 Months2 (ADR/APY)

0.349/0.35%

24 Months (ADR/APY)

0.747/0.75%

25 Months3 (ADR/APY)

0.349/0.35%

60 Months (ADR/APY)

1.094/1.10%
$10,000-49,999

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months1 (ADR/APY)

0.150/0.15%

18 Months (ADR/APY)

1.193/1.20%

19 Months2 (ADR/APY)

0.300/0.30%

24 Months (ADR/APY)

0.747/0.75%

25 Months3 (ADR/APY)

0.300/0.30%

60 Months (ADR/APY)

1.094/1.10%
$500-9,999

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months1 (ADR/APY)

0.100/0.10%

18 Months (ADR/APY)

1.193/1.20%

19 Months2 (ADR/APY)

0.250/0.25%

24 Months (ADR/APY)

0.747/0.75%

60 Months (ADR/APY)

1.094/1.10%

APY is accurate as of 12/29/2022. Dividends calculated daily, compounded/posted monthly. ADR is Annual Dividend Rate. APY is Annual Percentage Yield. Rates subject to change without notice. Other rates and terms are available. There is a penalty for early withdrawal.

Jumbo Certificate $100,000+

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months1 (ADR/APY)

0.250/0.25%

24 Months (ADR/APY)

0.747/0.75%

25 Months3 (ADR/APY)

0.399/0.40%
$50,000-99,999

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months1 (ADR/APY)

0.200/0.20%

24 Months (ADR/APY)

0.747/0.75%

25 Months3 (ADR/APY)

0.349/0.35%
$10,000-49,999

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months1 (ADR/APY)

0.150/0.15%

24 Months (ADR/APY)

0.747/0.75%

25 Months3 (ADR/APY)

0.300/0.30%
$500-9,999

6 Months (ADR/APY)

0.399/0.40%

12 Months (ADR/APY)

0.549/0.55%

13 Months1 (ADR/APY)

0.100/0.10%

24 Months (ADR/APY)

0.747/0.75%

13 Month Select Rate Certificate rate may be changed once after 6 months at member's request.
19 Month Select Rate Certificate rate may change once after 9 months at members request.
25 Month Select Rate Certificate rate may be changed once after 12 months at member's request.

Business Accounts

Primary Business Share

Minimum Balance

$1

Annual Dividend Rate

0.050%

Annual Percentage Yield (APY)

0.05%

Subject to Change

Quarterly
Secondary Business Share

Minimum Balance

$0

Annual Dividend Rate

0.050%

Annual Percentage Yield (APY)

0.05%

Subject to Change

Quarterly

Basic Business Checking

Minimum Balance

$5

Annual Dividend Rate

N/A

Annual Percentage Yield (APY)

N/A

Subject to Change

N/A
Advantage Business Checking ($1,500-$4,999)

Minimum Balance

$1,500

Annual Dividend Rate

0.030%

Annual Percentage Yield (APY)

0.03%

Subject to Change

N/A
Advantage Business Checking ($5,000 and up)

Minimum Balance

$5,000

Annual Dividend Rate

0.100%

Annual Percentage Yield (APY)

0.10%

Subject to Change

N/A
Premier Business Checking ($0-$4,999)

Minimum Balance

$0-4,999

Annual Dividend Rate

0.050%

Annual Percentage Yield (APY)

0.05%

Subject to Change

N/A
Premier Business Checking ($5,000 and up)

Minimum Balance

$5,000

Annual Dividend Rate

0.100%

Annual Percentage Yield (APY)

0.10%

Subject to Change

N/A
Business Money Market ($100,000 and up)

Minimum Balance

$100,000

Annual Dividend Rate

0.350%

Annual Percentage Yield (APY)

0.35%

Subject to Change

Daily
Business Money Market ($75,000-$99,999)

Minimum Balance

$75,000

Annual Dividend Rate

0.300%

Annual Percentage Yield (APY)

0.30%

Subject to Change

Daily
Business Money Market ($25,000-$74,999)

Minimum Balance

$25,000

Annual Dividend Rate

0.250%

Annual Percentage Yield (APY)

0.25%

Subject to Change

Daily
Business Money Market ($2,500 and $24,999)

Minimum Balance

$2,500

Annual Dividend Rate

0.200%

Annual Percentage Yield (APY)

0.20%

Subject to Change

Daily
Business High Yield Money Market ($50,000-$249,999)

Minimum Balance

$50,000-$249,999

Annual Dividend Rate

0.748%

Annual Percentage Yield (APY)

0.75%

Subject to Change

Daily
Business High Yield Money Market ($250,000 and up)

Minimum Balance

$250,000

Annual Dividend Rate

0.996%

Annual Percentage Yield (APY)

1.00%

Subject to Change

Daily

APY is accurate as of 11/1/2022. Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.

$100,000+

3 Months(ADR/APY)

0.050/0.05%

6 Months(ADR/APY)

0.399/0.40%

12 Months(ADR/APY)

0.549/0.55%

13 Months1(ADR/APY)

0.250/0.25%

18 Months(ADR/APY)

1.193/1.20%

24 Months(ADR/APY)

0.747/0.75%

25 Months2(ADR/APY)

0.399/0.40%

36 Months(ADR/APY)

0.549/0.55%
$50,000-99,999

3 Months(ADR/APY)

0.050/0.05%

6 Months(ADR/APY)

0.399/0.40%

12 Months(ADR/APY)

0.549/0.55%

13 Months1(ADR/APY)

0.200/0.20%

18 Months(ADR/APY)

1.193/1.20%

24 Months(ADR/APY)

0.747/0.75%

25 Months2(ADR/APY)

0.349/0.35%

36 Months(ADR/APY)

0.549/0.55%
$10,000-49,999

3 Months(ADR/APY)

0.050/0.05%

6 Months(ADR/APY)

0.399/0.40%

12 Months(ADR/APY)

0.549/0.55%

13 Months1(ADR/APY)

0.150/0.15%

18 Months(ADR/APY)

1.193/1.20%

24 Months(ADR/APY)

0.747/0.75%

25 Months2(ADR/APY)

0.300/0.30%

36 Months(ADR/APY)

0.549/0.55%
$500-9,999

3 Months(ADR/APY)

0.050/0.05%

6 Months(ADR/APY)

0.399/0.40%

12 Months(ADR/APY)

0.549/0.55%

13 Months1(ADR/APY)

0.100/0.10%

18 Months(ADR/APY)

1.193/1.20%

24 Months(ADR/APY)

0.747/0.75%

36 Months(ADR/APY)

0.549/0.55%

APY is accurate as of 6/1/2022. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Dividends calculated daily, compounded/posted monthly. Rates subject without notice. Other rates and terms are available. There is a penalty for early withdrawal.

Consumer Loans

Signature Loan

APR*

as low as 12.49% Fixed
Ultra Loan

APR*

as low as 13.99% Fixed
Access Line Of Credit

APR*

as low as 16.24% Variable
Share Secured - Installment Loan

APR*

2.00% above share rate to nearest .25% Variable

*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $5,000 personal loan with a term of 48 months at 9.99% APR, the monthly payment will be $126.79.

Auto Loan 2017-2024

Fixed APR*

as low as 7.74%
Auto Loan 2010-2016

Fixed APR*

as low as 8.49%

*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 auto loan with a term of 60 months at 7.74% APR, the monthly payment will be $404.37.

2018-2024

Fixed APR*

as low as 7.99%
2010-2017

Fixed APR*

as low as 8.74%

*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 loan with a term of 60 months at 7.99% APR, the monthly payment will be $406.81.

2018-2024

Fixed APR*

as low as 8.99%
2010-2017

Fixed APR*

as low as 9.74%

*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 loan with a term of 60 months at 8.99% APR, the monthly payment will be $416.65.

Credit Cards

VISA Signature Rewards

Credit Card Rates

Annual Percentage Rate¹ for Purchases

16.74% to 18.00%

Earn Loyalty Rewards

Yes

No Annual Fee

Yes

No Balance Transfer Fee

Yes

25 Day Grace Period on New Purchases

Yes

Make Payments with Digital Banking

Yes

Set up Auto Payments

Yes

Manage your Account Online

Yes
VISA Traditional

Credit Card Rates

Annual Percentage Rate¹ for Purchases

14.24% to 18.00%

Earn Loyalty Rewards

No

No Annual Fee

Yes

No Balance Transfer Fee

Yes

25 Day Grace Period on New Purchases

Yes

Make Payments with Digital Banking

Yes

Set up Auto Payments

Yes

Manage your Account Online

Yes
VISA Secured ²

Credit Card Rates

Annual Percentage Rate¹ for Purchases

18.00%

Earn Loyalty Rewards

No

No Annual Fee

Yes

No Balance Transfer Fee

Yes

25 Day Grace Period on New Purchases

Yes

Make Payments with Digital Banking

Yes

Set up Auto Payments

Yes

Manage your Account Online

Yes

1 - Annual Percentage Rate (APR) is based on your creditworthiness when account is opened. This APR will vary with the market based on the Prime Rate. Subject to credit approval.

2 - A VISA Secured credit card is used to establish or re-build your credit history. This card can be converted to a Signature Rewards card with an approved application. This credit card is accepted worldwide where VISA is accepted.

Mortgage Home Loans

30-Year Fixed Mortgage

Interest Rate

6.875%

Annual Percentage Rate (APR)

6.997%

Origination Fee

1.00%
15/15 30-Year Adjustable Rate Mortgage

Interest Rate

6.750%

Annual Percentage Rate (APR)

6.877%

Origination Fee

1.00%
5/5 30-Year Adjustable Rate Mortgage

Interest Rate

6.875%

Annual Percentage Rate (APR)

7.003%

Origination Fee

1.00%
15-Year Fixed

Interest Rate

6.625%

Annual Percentage Rate (APR)

6.831%

Origination Fee

1.00%
10-Year Fixed

Interest Rate

6.375%

Annual Percentage Rate (APR)

6.661%

Origination Fee

1.00%
USDA

Interest Rate

7.500%

Annual Percentage Rate (APR)

7.636%

Origination Fee

1.00%

Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are based on loan amounts of $200,000 and are not intended to be a commitment to the loan type or amount for which you may qualify. Taxes and insurance not included in payment examples; actual payment obligation will be higher. For jumbo rates you may contact us directly at 865-482-1043

Fixed Rate
We offer fixed rate for terms from 10-30 years.

10-Year Fixed Payment example: A 10-Year Fixed loan of $200,000 for 10 years at 6.375% interest and 6.661% APR will have a monthly payment of $2,287.38.
15-Year Fixed Payment example: A 15-Year Fixed loan of $200,000 for 15 years at 6.625% interest and 6.831% APR will have a monthly payment of $1,778.81.
30-Year Fixed Payment example: A 30-Year Mortgage loan of $200,000 for 30 years at interest and APR will have a monthly payment of .

Adjustable-Rate Mortgage 15/15
Adjustable-Rate Mortgage (ARM) is variable and your rate may increase after the original rate period. The adjustable rate mortgage is tied to the 10-Year CMT index. Adjustable rates cannot change more than 6% at the adjustment period and cannot adjust more than 6% over the life of the loan.

Payment example: A 15/15 30-Year Adjustable Rate Mortgage of $200,000 for 30 years at 6.750% interest and 6.877% APR will have a monthly payment of $1,314.12.

Adjustable-Rate Mortgage 5/5
Adjustable-Rate Mortgage (ARM) is variable and your rate may increase after the original rate period. The adjustable rate mortgage is tied to the 10-Year CMT index. Adjustable rates cannot change more than 2% at the adjustment period and cannot adjust more than 5% over the life of the loan.

Payment example: A 5/5 30-Year loan of $200,000 for 30 years at 6.875% interest and 7.003% APR will have a monthly payment of $1,331.01.

USDA
Borrower must demonstrate requirements for income eligibility with property being located in a rural eligible area. No down payment for qualified borrowers. Loan amount may include the guaranteed fee. All USDA loan terms are for 30 years.

Payment example: A USDA loan of $200,000 for 30 years at 7.500% interest and 7.636% APR will have a monthly payment of $1,417.10

Jumbo Mortgage
Loan amounts over $647,201 may qualify for a jumbo product from our portfolio line. Products offered are 15/15 ARM and 5/5 ARM. Jumbo Loans are allowed to go up to 90%. We offer competitive rates with local underwriting adding a .50bp for origination fee. Loan qualifications begin with a minimum beacon score of 700.

Payment example: A 15/15 Jumbo Mortgage of $647,201 for 30 years at interest and APR will have a monthly payment of .

Additional Information
We offer no Private Mortgage Insurance (PMI) on some mortgage products, and unimproved land loans. We now offer referral options for VA and FHA products. For more information on how these products may benefit you, please contact one of our Home Lending Advisors who will assist you in determining the right product for your needs.

Home Equity Line of Credit

1^st Lien Position

60 Months

APR¹ (as low as)           6.49%
Monthly Payment²     $19.56

120 Months

APR¹ (as low as)           6.99%
Monthly Payment²     $11.61

180 Months

APR¹ (as low as)           7.24%
Monthly Payment²     $9.12

240 Months

APR¹ (as low as)           7.74%
Monthly Payment²     $8.20
2^nd Lien Position

60 Months

APR¹ (as low as)           7.24%
Monthly Payment²     $19.91

120 Months

APR¹ (as low as)           7.74%
Monthly Payment²     $12.00

180 Months

APR¹ (as low as)           7.99%
Monthly Payment²     $9.55

240 Months

APR¹ (as low as)           8.49%
Monthly Payment²     $8.67

*Rates subject to change with out notice.

1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option. As of August 20, 2023, the prime rate was 8.50% and the lowest variable rate available was 8.25% APR. The APR will not vary above 18.00% APR nor below 3.99% APR. Interest only HELOCKs have higher rates. Consult a tax advisor regarding deductibility of interest and fees.
2. Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.
3. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE: If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.00%. During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.

Variable, Revolving

APR¹ (as low as)

8.25%

VPR³ (as low as)

Prime – 0.50%

Monthly Payment²

Minimum $25 or 1.25% of the principal balance as of the time of the draw, whichever is greater

*Rates subject to change with out notice.

Variable, Revolving

APR¹ (as low as)

8.75%

VPR³ (as low as)

Prime + 0.50%

Monthly Payment²

Monthly payment is the interest accrued.

*Rates subject to change with out notice.

1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option. As of August 20, 2023, the prime rate was 8.50% and the lowest variable rate available was 8.50% APR. The APR will not vary above 18.00% APR nor below 3.99% APR. Interest only HELOCKs have higher rates. Consult a tax advisor regarding deductibility of interest and fees.
2. Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.
3. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE: If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.00%. During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.

Federally Insured by NCUA.

NMLS #441816

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Current Rates

Deposit Rates

Primary Share

Christmas Club

Health Savings Club

Jump Start Savings $0 - $5,000*

Vacation Club

High Yield Checking ($0 - $15,000)

High Yield Checking ($15,000.01 +)

Everyday Checking

Limited Time Offers

Jumbo Certificate $100,000+

$50,000-99,999

$10,000-49,999

$500-9,999

High Yield Money Market1

Money Market Plus $50,000-249,999

Money Market Plus $250,000+

Money Market $100,000+

Money Market $75,000-99,999

Money Market $25,000-74,999

Money Market $2,500-24,999

Traditional

Roth Club

Education Club

Jumbo Certificate $100,000+

$50,000-99,999

$10,000-49,999

$500-9,999

Jumbo Certificate $100,000+

$50,000-99,999

$10,000-49,999

$500-9,999

Jumbo Certificate $100,000+

$50,000-99,999

$10,000-49,999

$500-9,999

Business Accounts

Primary Business Share

Secondary Business Share

Basic Business Checking

Advantage Business Checking ($1,500-$4,999)

Advantage Business Checking ($5,000 and up)

Premier Business Checking ($0-$4,999)

Premier Business Checking ($5,000 and up)

Business Money Market ($100,000 and up)

Business Money Market ($75,000-$99,999)

Business Money Market ($25,000-$74,999)

Business Money Market ($2,500 and $24,999)

Business High Yield Money Market ($50,000-$249,999)

Business High Yield Money Market ($250,000 and up)

$100,000+

$50,000-99,999

$10,000-49,999

$500-9,999

Consumer Loans

Signature Loan

Ultra Loan

Access Line Of Credit

Share Secured - Installment Loan

Auto Loan 2017-2024

Auto Loan 2010-2016

2018-2024

2010-2017

2018-2024

2010-2017

Credit Cards

VISA Signature Rewards

VISA Traditional

VISA Secured 2

Mortgage Home Loans

30-Year Fixed Mortgage

15/15 30-Year Adjustable Rate Mortgage

5/5 30-Year Adjustable Rate Mortgage

15-Year Fixed

10-Year Fixed

USDA

Home Equity Line of Credit

1st Lien Position

High Yield Money Market¹

VISA Secured ²

1^st Lien Position

2^nd Lien Position