Loan & Savings Rates
Savings Accounts
Club Account
Effective Date: Thursday, April 3rd, 2025
Name | APY* | Interest Rate |
|
0.300% |
0.300% |
|
*APY = Annual Percentage Yield. No Minimum Balance Required. |
Regular Savings Account
Effective Date: Thursday, April 3rd, 2025
APY* | Dividend Rate |
0.200% |
0.200% |
|
*APY = Annual Percentage Yield. $5 Minimum Balance Required. |
Youth Savings Account
Term | APY* | Interest Rate |
6 Months |
1.500% |
1.492% |
1 Year |
1.750% |
1.739% |
2 Years |
2.250% |
2.231% |
|
*APY = Annual Percentage Yield. $250 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. |
Business Savings Account
APY* | Interest Rate |
0.250% |
0.250% |
|
*APY = Annual Percentage Yield. $100 Minimum Balance Required. |
Test
Effective Date: Thursday, April 3rd, 2025
Name | Term | APY* |
No rates found. |
Investments
Certificate of Deposit
Term | APY* | Interest Rate |
No rates found. |
Individual Retirement Account (IRA)
APY* | Interest Rate |
0.300% |
0.300% |
|
*APY = Annual Percentage Yield. No Minimum Balance Required. |
Money Market
Effective Date: Thursday, April 3rd, 2025
Tier | APY* | Interest Rate |
$2,500 - $4,999 |
0.200% |
0.200% |
$5,000 - $7,499 |
0.200% |
0.200% |
$7,500 - $9,999 |
0.200% |
0.200% |
$10,000 - $24,999 |
0.200% |
0.200% |
$25,000 and higher |
0.400% |
0.399% |
|
*APY = Annual Percentage Yield. $2,500 Minimum Average Daily Balance Required to Earn APY. |
Share Certificate
APY* | Interest Rate |
0.300% |
0.300% |
|
*APY = Annual Percentage Yield. No Minimum Balance Required. |
Timmy Rates
Effective Date: Thursday, April 3rd, 2025
Name | Term | APR* as low as |
No rates found. |
Checking Accounts
Premier Checking
Name | APY* | Required Opening Deposit | Minimum Balance to Earn Dividends |
Premier Checking |
0.050% |
$50 |
$1,500 |
|
Credit Cards
Visa Rates
Type of Card | Low APR* | Minimum Limit |
No rates found. |
Home Loans
Fixed-Rate Mortgage
Effective Date: Thursday, April 3rd, 2025
Available for terms up to 30 years. Here are just a few examples of the great rates we currently offer.
Term | Rates as low as | Points | APR* | Payment* |
30 Year |
7.255% |
0.244% |
7.054% |
$1,330.60 |
20 Year |
6.750% |
0.312% |
6.828% |
$1,520.73 |
15 Year |
6.625% |
0.039% |
6.679% |
$1,755.99 |
10 Year |
6.375% |
0.378% |
6.526% |
$2,258.26 |
|
*APR = Annual Percentage Rate. The payment is based on a loan amount of $200,000 and consists of principal and interest. The payment does not include taxes and insurance premiums. The actual payment amount will be greater. |
Adjustable-Rate Mortgage
ARM loans amortized for 30 years. Here is just an example of the great rates we currently offer.
Term | Rates as low as | Points | APR* | Payment* |
5-Year ARM |
5.750% |
0.378% |
7.201% |
$1,167.15 |
7-Year ARM |
6.000% |
0.378% |
7.068% |
$1,199.10 |
|
*APR = Annual Percentage Rate. The initial payment is based on a $200,000 loan on a $335,000 property, amortized for 30 years. This assumes the loan is for the refinance of a single-family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher. The payment consists of principal and interest and does not include taxes and insurance premiums. The actual payment amount will be greater. After the initial fixed period, the principal and interest payment can change every year for the remaining life of the loan.
|
Home Equity Line of Credit (HELOC)
Type | Term | APR* as low as |
Variable - 80% Loan-to-Value |
10-year draw period; 15-year repayment |
8.50% |
Variable - 90% Loan-to-Value |
10-year draw period; 15-year repayment |
9.25% |
|
*APR = Annual Percentage Rate. Rates may vary, based on term, credit history, collateral, and whether this loan will serve as a first or second lien. Variable rates are tied to market index (or prime rate), not to exceed 18.0% APR. Minimum initial credit advance required based on credit limit. |
FHA Mortgage
Fixed-rate and adjustable-rate loans available for terms up to 30 years. Here is just an example of the great rates we currently offer.
Term | Rates as low as | Points | APR* | Payment* |
30 Year Fixed |
7.250% |
0.000% |
8.025% |
$1,479.50 |
15 Year Fixed |
7.125% |
0.000% |
7.884% |
$1,908.88 |
|
*APR = Annual Percentage Rate. The payment is based on a loan amount of $200,000 and consists of principal, interest and mortgage insurance premiums. The payment does not include taxes and other insurance premiums. The actual payment amount will be greater.
|
Timmy Test
Effective Date: Thursday, April 3rd, 2025
Name | APY* | As Low As |
No rates found. |
Personal Loans
Personal Line of Credit (Instant Credit)
Type | APR* as low as | Term |
Variable |
11.25% |
None |
|
*APR = Annual Percentage Rate. Initial rate may change. Variable-rate loan may change quarterly based on the Wall Street Journal Prime Rate. Maximum APR is 18.00%. Contact Member Service Representative for more details. |
Share Secure Loan
Type | APR* as low as | Term |
Fixed Rate |
2.70% |
Up to 36 months |
Certificate of Deposit Loan - Fixed Rate |
Contact us |
Up to one month prior to CD maturity |
Variable Rate |
4.77% |
No term limit |
|
APR = Annual Percentage Rate. Example: A loan amount of $5,000 at 2.70% APR for 36 months would have an approximate monthly payment of $144.77. All loans subject to approval. Rates are subject to change at any time. Contact a Member Service Representative for more details. |
Vehicle Loans
Car Loan, Truck Loan, or SUV Loan
Model Years | APR* as low as |
No rates found. |
Business Loans
Business Loans
Type | APR* as low as | Term |
Fixed Rate |
2.70% |
Up to 36 months |
Certificate of Deposit Loan - Fixed Rate |
Contact us |
Up to one month prior to CD maturity |
Variable Rate |
4.77% |
No term limit |
|
APR = Annual Percentage Rate. Example: A loan amount of $5,000 at 2.70% APR for 36 months would have an approximate monthly payment of $144.77. All loans subject to approval. Rates are subject to change at any time. Contact a Member Service Representative for more details. |
Business Personal Loan
Term | APR* as low as |
No rates found. |
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