Rates

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Earn more on savings, spend less on loans

Vehicle Loans

Account Name Loan Type APR Term
Autos and Trucks New Auto and Truck 5.50% Up to 84 Months
Used Auto and Truck 6.50% Up to 84 Months
Motorcycles and ATVs New Motorcycle or ATV 8.50% Up to 60 Months
Used Motorcycle or ATV 9.50% Up to 60 Months
Other Vehicles New RV or Boat 8.50% Up to 180 Months
Used RV or Boat 9.50% Up to 180 Months

Personal Loans

Account Name APR Term Credit Limit
Personal Signature Loans Max. rate of 18.00% 12 to 60 Months $500.00 to $15,000.00

Credit Cards

Account Name APR Rate Type Credit Limit
VISA® Awards Call us Fixed Up to $15,000.00
Secured VISA® Call us Fixed Up to $5,000.00

Checking Accounts

Account Name APY Rate Type Minimum to Open Maximum Balance
Spectrum Checking 0.00% None Unlimited
Spectrum Plus Checking 0.01% Variable $1,000.01 Unlimited

Savings Accounts

Account Name APY Rate Type Minimum to Open Minimum to Earn Interest Maximum Balance
Savings 0.050% Variable $20.00 $300.00
Reflection Savings 0.050% Variable $10.00 $300.00 Unlimited
Crew Savings 0.050% Variable $10.00 $200.00 Unlimited
UTMA/UGMA Savings 0.050% Variable $200.00 Unlimited
Holiday Club Savings 0.050% Variable $20.00 $300.00 Unlimited
Tax Savings 0.050% Variable $100.00 Unlimited

Money Market Accounts

Account Name APY Rate Type Minimum to Open Maximum Balance
Money Market Account Tier 1 0.60% Variable $1,000.00 $24,999.00
Money Market Account Tier 2 0.80% Variable $25,000.00 $99,999.00
Money Market Account Tier 3 1.00% Variable $100,000.00 $249,999.00
Money Market Account Tier 4 1.25% Variable $250,000.00 Unlimited

Certificate Accounts

Account Name APY Term Rate Type Minimum to Open Maximum Balance
Share Certificates 0.50% 6 Months Fixed $1,000.00 $99,000.00
1.25% 1 Year Fixed $1,000.00 $99,000.00
3.25% 9 Months Fixed $25,000.00 Unlimited
2.65% 18 Months* (new money only) Fixed $1,000.00 Unlimited
1.50% 2 Years Fixed $1,000.00 $99,000.00
1.60% 3 Years Fixed $1,000.00 $99,000.00
1.70% 4 Years Fixed $1,000.00 $99,000.00
1.80% 5 Years Fixed $1,000.00 $99,000.00
Jumbo Share Certificates 0.50% 6 Months Fixed $100,000.00 Unlimited
1.25% 1 Year Fixed $100,000.00 Unlimited
1.50% 2 Years Fixed $100,000.00 Unlimited
1.60% 3 Years Fixed $100,000.00 Unlimited
1.70% 4 Years Fixed $100,000.00 Unlimited
1.80% 5 Years Fixed $100,000.00 Unlimited

Account Name

IRA

Account Name APY Term Rate Type Minimum to Open Maximum Balance
IRA Shares 0.05% Flexible Variable $50.00 Unlimited
5-Year Roth IRA Shares 1.80% 5 Years Variable $500.00 Unlimited
IRA Certificates 1.25% 1 Year Fixed $1,000.00 $99,999.00
1.50% 2 Years Fixed $1,000.00 $99,999.00
1.60% 3 Years Fixed $1,000.00 $99,999.00
1.70% 4 Years Fixed $1,000.00 $99,999.00
1.80% 5 Years Fixed $1,000.00 $99,999.00
Jumbo IRA Certificates 1.25% 1 Year Fixed $100,000.00 Unlimited
1.50% 2 Years Fixed $100,000.00 Unlimited
1.60% 3 Years Fixed $100,000.00 Unlimited
1.70% 4 Years Fixed $100,000.00 Unlimited
1.80% 5 Years Fixed $100,000.00 Unlimited

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