Rates
OE Federal Rates
With our totally free checking and variety of Savings Accounts, OE Federal makes your everyday banking easy. Our loan underwriting and policies were designed for the union lifestyle and seasonal-based work so you can feel secure in your big purchases. Check out our Savings and Loan Rates to discover the right account for you.
- Savings Accounts
- Share Certificates and Money Markets
- Retirement Accounts
- Vehicle Loans
- Home Loans, Personal Loans, and More
New Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 2.24% to 14.74% |
| 49-60 months 4 | 2.74% to 15.49% |
| 61-72 months 5 | 2.74% to 15.49% |
| 73-84 months 6,7 | 3.24% to 5.24% |
LOAN TYPE
Current or prior calendar year with less than 7,500 miles
MAXIMUM AMOUNT
Up to 115% or up to 125% (for well-qualified borrowers) of dealer MSRP (or invoice if MSRP is not available) not to exceed documented purchase price. Includes sales tax, license fee, and GAP.
Loan Payment Example: $21.80 per month per $1,000 borrowed at 2.24% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 | 7 Term available for tiers 1 through 4 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Used Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 2.24% to 14.74% |
| 49-60 months 4 | 2.74% to 15.49% |
| 61-72 months 5 | 2.74% to 15.49% |
| 73-84 months 6,7 | 3.24% to 5.24% |
LOAN TYPE
10 model years or newer only (200,000 miles or more for a 60-month term)
MAXIMUM AMOUNT
Up to 115% or up to 125% (for well-qualified borrowers) of KBB “retail” value (no like book values accepted). Not to exceed documented purchase price. Includes sales tax, license fee and GAP.
Loan Payment Example: $21.80 per month per $1,000 borrowed at 2.24% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 | 7 Term available for tiers 1 through 4 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Older Used Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 4, 11 | 2.94% |
| 49-60 months 4, 11 | 3.44% |
11 model years or older (Maximum Mileage of 250,000 miles, 350,000 miles on Diesel)
Loan Payment Example: $22.33 per month per $1,000 borrowed at 3.44% APR for 48 months
Available for purchase only. No cash out loans.
4 Minimum loan amount $7,500 | 11 Term available for tiers 1 and 2 only.
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
New Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.24% to 9.74% |
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Maximum Loan Amount: $200,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in (-.50% discount)
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Used Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.49% to 9.74% |
LOAN TYPE
15 model years or newer
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Maximum Loan Amount: $200,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in (-.50% discount)
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Personal Loans [Secured]
| LOAN TYPE | MAXIMUM AMOUNT | MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| Savings Secured | $50,000 | 60 Months | 3.00% |
| Certificate | $50,000 | 60 Months | 3.00% Above Certificate Rate |
| Double Dollars | $10,000 | 60 Months | 10.50% |
LOAN TYPE
Savings Secured, Certificate, Double Dollars
MAXIMUM AMOUNT
$50,000, $50,000, $10,000
Loan Payment Example:
Savings Secured: $17.97 per month per $1,000 borrowed at 3.00% APR for 60 months
Certificate: $17.97 per month $1,000 borrowed at 3.00% APR for 60 months
Double Dollar: $21.49 per month per $1,000 borrowed at 10.50% APR for 60 months
Information accurate as of June 2, 2022.
Personal Loans [Unsecured]
| LOAN TYPE | MAXIMUM AMOUNT | MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| Signature | $10,000 | 60 months | 9.24% to 17.99% |
| Quick Loans | $3,000 | 12 months | 9.25% |
LOAN TYPE
Signature, Quick Loans
MAXIMUM AMOUNT
$25,000, $3,000
Loan Payment Example:
Signature: $31.91 per month per $1,000 borrowed at 9.24% APR for 36 months
Quick Loan: $87.57 per month per $1,000 borrowed at 9.25% APR for 12 months
Information accurate as of June 2, 2022.
Visa Credit Cards
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $25,000 | 0% Intro for first 6 months, 9.73% to 17.98% thereafter* |
| VISA® STEEL Rewards | None | $25,000 | 12.73% to 17.98% |
| VISA® STEEL Secured | None | $25,000 | 0% Intro for first 6 months, 6.73% thereafter* |
| VISA® STEEL Secured Rewards | None | $25,000 | 9.73% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of June 2, 2022.
New to Credit Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 12.00% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of June 2, 2022.
Fresh Start Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 12.00% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of June 2, 2022.
New Motorcycles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months7,9 | 7.24% to 9.49% |
| 121-180 months8,9 | 7.49% to 9.74% |
LOAN TYPE
Current or prior calendar year with less than 7,500 miles
MAXIMUM AMOUNT
Up to 100% of Clean Retail Value or MSRP. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months 4
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Used Motorcycles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.49% to 9.74% |
LOAN TYPE
15 model years or newer only
MAXIMUM AMOUNT
Up to 100% of Clean Retail Value or MSRP. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
New Boats
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.49% to 9.74% |
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tiers 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Used Boats
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.49% to 9.74% |
LOAN TYPE
15 model years or newer
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tiers 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Other Collateral (New)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months7,9 | 7.24% to 9.49% |
| 121-180 months8,9 | 7.49% to 9.74% |
LOAN TYPE
Personal watercraft, Dirt Bikes, and Off-Road Vehicles such as ATV’s.
MAXIMUM AMOUNT
Up to 90% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax. Maximum Loan: $25,000
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Other Collateral (Used)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months7,9 | 7.24% to 9.49% |
| 121-180 months8,9 | 7.49% to 9.74% |
LOAN TYPE
15 model years or newer. Personal watercraft, Dirt Bikes, and Off-Road Vehicles such as ATV’s.
MAXIMUM AMOUNT
Up to 90% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax. Maximum Loan: $25,000
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Home Loan Rates
| LOAN TYPES | INTEREST RATE | APR | MONTHLY MORTGAGE PAYMENT (P&I) |
| 10 Yr Fixed Conforming | 4.250% | 4.427% | $3,073.13 Payment Details |
| 15 Yr Fixed Conforming | 4.375% | 4.499% | $2,275.86 Payment Details |
| 20 Yr Fixed Conforming | 4.625% | 4.723% | $1,918.25 Payment Details |
| 30 Yr Fixed Conforming | 4.875% | 4.947% | $1,587.62 Payment Details |
| 10 Yr Fixed Non Conforming | 4.375% | 4.421% | $10,046.10 Payment Details |
| 15 Yr Fixed Non Conforming | 4.500% | 4.532% | $7,458.68 Payment Details |
| 20 Yr Fixed Non Conforming | 4.750% | 4.775% | $6,300.68 Payment Details |
| 30 Yr Fixed Non Conforming | 4.875% | 4.894% | $5,159.78 Payment Details |
| 5/6 Hybrid ARM | 3.750% | 6.642% | $1,389.35 Payment Details |
| 7/6 Hybrid ARM | 4.000% | 6.506% | $1,432.25 Payment Details |
| 10/6 Hybrid ARM | 4.250% | 6.061% | $1,475.82 Payment Details |
Rates are based on the following assumptions:
Conforming Loans: $300,000 loan amount and 20% down payment (net equity) with a 740 or better qualifying credit score.
Non Conforming Loans: $975,000 loan amount and 20% down payment with a 740 or better qualifying credit score.
Note that the rates and/or fees may be higher based upon your credit score.
Discount Points = 0
APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
Discount Points = A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1,000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
Rates posted are indications only and are subject to change without notice. Your actual rate and/or points may be different, as many factors can affect the final interest rate. The Rate and Payment quotes listed above are based upon the above assumptions.
Rate Locks are available after loan terms have been discussed with an OE Federal Loan Officer using verified credit, Loan-to-Value and borrower qualifications.
The conforming loan limit for 2022 is $647,200. A non conforming loan amount is based on a loan amount exceeding the maximum designated conforming limit by the Federal Housing Finance Authority (FHFA).
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444.
*Rates as of June 24, 2022.
Fixed Rate Home Equity Loan
| TERM | INTEREST RATE | APR | MONTHLY PAYMENT |
| 5 years | 4.875% | 4.910% |
$1,881.40 Payment Details |
| 10 years | 5.000% | 5.018% |
$1,060.66 Payment Details |
| 15 years | 5.125% | 5.138% |
$797.32 Payment Details |
| 20 years | 5.250% | 5.260% |
$673.84 Payment Details |
Our Fixed Rate Equity Loan offers flexible terms of 5, 10, 15 and 20 years. You pick the term that best meets your needs!
Maximum Loan Amount: $250,000
Fixed rate equity loan products reflect the estimated initial payment against the full loan amount of $100,000 with a middle credit score of 740 and a Loan to Value (LTV) of 80%.
Note that the rates and/or fees may be higher based upon credit score.
APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan based on the loan rate and some fees.
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444.
*Rates accurate as of June 16, 2022
Adjustable Rate Line of Credit
| LOAN TYPE | MAXIMUM AMOUNT | MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| Home Equity | $250,000 | 10-year draw period, 20-year repayment period after last draw. Possible 30-year maximum term. | Prime Rate |
Our Home Equity FlexLOC* is a variable-rate home equity line of credit that allows you to take either your entire balance or a portion of your balance and transfer that amount into a fixed rate loan at no cost. That means you can spend your money, how you want.
Maximum Amount: $250,000
Rates posted are based on the following assumptions:
A combined loan-to-value of 80% or less and a minimum credit score of 740.
Note that the rates and/or fees may be higher based upon credit score and line amount.
APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan based on the loan rate and some fees.
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444.
Information accurate as of June 16, 2022.
Savings
MINIMUM INITIAL DEPOSIT: $5
| MIN. TO EARN DIVIDEND | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $5 | 0.03% | Monthly |
| $100 | 0.03% | Monthly |
| $5,000 | 0.04% | Monthly |
| $20,000 | 0.05% | Monthly |
| $50,000 | 0.07% | Monthly |
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of June 2, 2022.
Certificates*
MINIMUM INITIAL DEPOSIT: $1,000
| ACCOUNT TYPE | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $1,000 MINIMUM | ||
| 12 Month Tax Deferred Certificates | 0.65% | At maturity |
| $1,000 MINIMUM | ||
| 3 Month | 0.25% | Monthly |
| 6 Month | 0.40% | Monthly |
| 12 Month | 0.65% | Monthly |
| 18 Month | 0.65% | Monthly |
| 24 Month | 0.75% | Monthly |
| 36 Month | 1.05% | Monthly |
| 48 Month | 1.10% | Monthly |
| 60 Month | 1.15% | Monthly |
*A penalty will be assessed for early withdrawal. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are outlined below:
3 to 5 months: 30 days of dividends
6 to 11 months: 60 days of dividends
12 to 23 months: 90 days of dividends
24 to 47 months: 150 days of dividends
48 + months: 180 days of dividends
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of June 2, 2022.
Ira Share Accounts
MINIMUM INITIAL DEPOSIT: $100
| MIN. TO EARN DIVIDEND | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $100 MINIMUM | ||
| $100 | 0.08% | Monthly |
| $5,000 | 0.09% | Monthly |
| $20,000 | 0.10% | Monthly |
| $50,000 | 0.12% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of June 2, 2022.
IRA Certificate Accounts
MINIMUM INITIAL DEPOSIT: $1,000
| ACCOUNT | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $1,000 MINIMUM | ||
| 3 Month | 0.25% | Monthly |
| 6 Month | 0.40% | Monthly |
| 12 Month | 0.65% | Monthly |
| 18 Month | 0.65% | Monthly |
| 24 Month | 0.75% | Monthly |
| 36 Month | 1.05% | Monthly |
| 48 Month | 1.10% | Monthly |
| 60 Month | 1.15% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of June 2, 2022.
Coverdell Educational Share Accounts
MINIMUM INITIAL DEPOSIT: $50
| MIN. TO EARN DIVIDEND | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $50 MINIMUM | ||
| $50 | 0.08% | Monthly |
| $100 | 0.08% | Monthly |
| $5,000 | 0.09% | Monthly |
| $20,000 | 0.10% | Monthly |
| $50,000 | 0.12% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of June 2, 2022.
Coverdell Educational Certificate Accounts
MINIMUM INITIAL DEPOSIT: $1000
| ACCOUNT | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $1000 MINIMUM | ||
| 3 Month | 0.25% | Monthly |
| 6 Month | 0.40% | Monthly |
| 12 Month | 0.65% | Monthly |
| 18 Month | 0.65% | Monthly |
| 24 Month | 0.75% | Monthly |
| 36 Month | 1.05% | Monthly |
| 48 Month | 1.10% | Monthly |
| 60 Month | 1.15% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of June 2, 2022.
Money Market
MINIMUM INITIAL DEPOSIT: $1,000
| ACCOUNT TYPE | STANDARD ACCOUNTS (APY) | MINIMUM TO EARN DIVIDEND | COMPOUNDING PERIOD |
| Money Market | 0.15% | $1,000 | Monthly |
| 0.20% | $10,000 | Monthly | |
| 0.20% | $25,000 | Monthly | |
| 0.25% | $50,000 | Monthly | |
| 0.30% | $100,000 | Monthly | |
| 0.35% | $250,000 | Monthly |
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of June 2, 2022.
New Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 2.24% to 14.74% |
| 49-60 months 4 | 2.74% to 15.49% |
| 61-72 months 5 | 2.74% to 15.49% |
| 73-84 months 6,7 | 3.24% to 5.24% |
LOAN TYPE
Current or prior calendar year with less than 7,500 miles
MAXIMUM AMOUNT
Up to 115% or up to 125% (for well-qualified borrowers) of dealer MSRP (or invoice if MSRP is not available) not to exceed documented purchase price. Includes sales tax, license fee, and GAP.
Loan Payment Example: $21.80 per month per $1,000 borrowed at 2.24% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 | 7 Term available for tiers 1 through 4 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Used Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 2.24% to 14.74% |
| 49-60 months 4 | 2.74% to 15.49% |
| 61-72 months 5 | 2.74% to 15.49% |
| 73-84 months 6,7 | 3.24% to 5.24% |
LOAN TYPE
10 model years or newer only (200,000 miles or more for a 60-month term)
MAXIMUM AMOUNT
Up to 115% or up to 125% (for well-qualified borrowers) of KBB “retail” value (no like book values accepted). Not to exceed documented purchase price. Includes sales tax, license fee and GAP.
Loan Payment Example: $21.80 per month per $1,000 borrowed at 2.24% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 | 7 Term available for tiers 1 through 4 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Older Used Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 4, 11 | 2.94% |
| 49-60 months 4, 11 | 3.44% |
11 model years or older (Maximum Mileage of 250,000 miles, 350,000 miles on Diesel)
Loan Payment Example: $22.33 per month per $1,000 borrowed at 3.44% APR for 48 months
Available for purchase only. No cash out loans.
4 Minimum loan amount $7,500 | 11 Term available for tiers 1 and 2 only.
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
New Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.24% to 9.74% |
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Maximum Loan Amount: $200,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in (-.50% discount)
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Used Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.49% to 9.74% |
LOAN TYPE
15 model years or newer
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Maximum Loan Amount: $200,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in (-.50% discount)
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Personal Loans [Secured]
| LOAN TYPE | MAXIMUM AMOUNT | MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| Savings Secured | $50,000 | 60 Months | 3.00% |
| Certificate | $50,000 | 60 Months | 3.00% Above Certificate Rate |
| Double Dollars | $10,000 | 60 Months | 10.50% |
LOAN TYPE
Savings Secured, Certificate, Double Dollars
MAXIMUM AMOUNT
$50,000, $50,000, $10,000
Loan Payment Example:
Savings Secured: $17.97 per month per $1,000 borrowed at 3.00% APR for 60 months
Certificate: $17.97 per month $1,000 borrowed at 3.00% APR for 60 months
Double Dollar: $21.49 per month per $1,000 borrowed at 10.50% APR for 60 months
Information accurate as of June 2, 2022.
Personal Loans [Unsecured]
| LOAN TYPE | MAXIMUM AMOUNT | MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| Signature | $10,000 | 60 months | 9.24% to 17.99% |
| Quick Loans | $3,000 | 12 months | 9.25% |
LOAN TYPE
Signature, Quick Loans
MAXIMUM AMOUNT
$25,000, $3,000
Loan Payment Example:
Signature: $31.91 per month per $1,000 borrowed at 9.24% APR for 36 months
Quick Loan: $87.57 per month per $1,000 borrowed at 9.25% APR for 12 months
Information accurate as of June 2, 2022.
Visa Credit Cards
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $25,000 | 0% Intro for first 6 months, 9.73% to 17.98% thereafter* |
| VISA® STEEL Rewards | None | $25,000 | 12.73% to 17.98% |
| VISA® STEEL Secured | None | $25,000 | 0% Intro for first 6 months, 6.73% thereafter* |
| VISA® STEEL Secured Rewards | None | $25,000 | 9.73% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of June 2, 2022.
New to Credit Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 12.00% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of June 2, 2022.
Fresh Start Visa Credit Card
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $2,500 | 12.00% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of June 2, 2022.
New Motorcycles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months7,9 | 7.24% to 9.49% |
| 121-180 months8,9 | 7.49% to 9.74% |
LOAN TYPE
Current or prior calendar year with less than 7,500 miles
MAXIMUM AMOUNT
Up to 100% of Clean Retail Value or MSRP. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months 4
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Used Motorcycles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.49% to 9.74% |
LOAN TYPE
15 model years or newer only
MAXIMUM AMOUNT
Up to 100% of Clean Retail Value or MSRP. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
New Boats
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.49% to 9.74% |
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tiers 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Used Boats
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.49% to 9.74% |
LOAN TYPE
15 model years or newer
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tiers 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Other Collateral (New)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months7,9 | 7.24% to 9.49% |
| 121-180 months8,9 | 7.49% to 9.74% |
LOAN TYPE
Personal watercraft, Dirt Bikes, and Off-Road Vehicles such as ATV’s.
MAXIMUM AMOUNT
Up to 90% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax. Maximum Loan: $25,000
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Other Collateral (Used)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months7,9 | 7.24% to 9.49% |
| 121-180 months8,9 | 7.49% to 9.74% |
LOAN TYPE
15 model years or newer. Personal watercraft, Dirt Bikes, and Off-Road Vehicles such as ATV’s.
MAXIMUM AMOUNT
Up to 90% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax. Maximum Loan: $25,000
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Home Loan Rates
| LOAN TYPES | INTEREST RATE | APR | MONTHLY MORTGAGE PAYMENT (P&I) |
| 10 Yr Fixed Conforming | 4.250% | 4.427% | $3,073.13 Payment Details |
| 15 Yr Fixed Conforming | 4.375% | 4.499% | $2,275.86 Payment Details |
| 20 Yr Fixed Conforming | 4.625% | 4.723% | $1,918.25 Payment Details |
| 30 Yr Fixed Conforming | 4.875% | 4.947% | $1,587.62 Payment Details |
| 10 Yr Fixed Non Conforming | 4.375% | 4.421% | $10,046.10 Payment Details |
| 15 Yr Fixed Non Conforming | 4.500% | 4.532% | $7,458.68 Payment Details |
| 20 Yr Fixed Non Conforming | 4.750% | 4.775% | $6,300.68 Payment Details |
| 30 Yr Fixed Non Conforming | 4.875% | 4.894% | $5,159.78 Payment Details |
| 5/6 Hybrid ARM | 3.750% | 6.642% | $1,389.35 Payment Details |
| 7/6 Hybrid ARM | 4.000% | 6.506% | $1,432.25 Payment Details |
| 10/6 Hybrid ARM | 4.250% | 6.061% | $1,475.82 Payment Details |
Rates are based on the following assumptions:
Conforming Loans: $300,000 loan amount and 20% down payment (net equity) with a 740 or better qualifying credit score.
Non Conforming Loans: $975,000 loan amount and 20% down payment with a 740 or better qualifying credit score.
Note that the rates and/or fees may be higher based upon your credit score.
Discount Points = 0
APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
Discount Points = A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1,000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
Rates posted are indications only and are subject to change without notice. Your actual rate and/or points may be different, as many factors can affect the final interest rate. The Rate and Payment quotes listed above are based upon the above assumptions.
Rate Locks are available after loan terms have been discussed with an OE Federal Loan Officer using verified credit, Loan-to-Value and borrower qualifications.
The conforming loan limit for 2022 is $647,200. A non conforming loan amount is based on a loan amount exceeding the maximum designated conforming limit by the Federal Housing Finance Authority (FHFA).
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444.
*Rates as of June 24, 2022.
Fixed Rate Home Equity Loan
| TERM | INTEREST RATE | APR | MONTHLY PAYMENT |
| 5 years | 4.875% | 4.910% |
$1,881.40 Payment Details |
| 10 years | 5.000% | 5.018% |
$1,060.66 Payment Details |
| 15 years | 5.125% | 5.138% |
$797.32 Payment Details |
| 20 years | 5.250% | 5.260% |
$673.84 Payment Details |
Our Fixed Rate Equity Loan offers flexible terms of 5, 10, 15 and 20 years. You pick the term that best meets your needs!
Maximum Loan Amount: $250,000
Fixed rate equity loan products reflect the estimated initial payment against the full loan amount of $100,000 with a middle credit score of 740 and a Loan to Value (LTV) of 80%.
Note that the rates and/or fees may be higher based upon credit score.
APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan based on the loan rate and some fees.
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444.
*Rates accurate as of June 16, 2022
Adjustable Rate Line of Credit
| LOAN TYPE | MAXIMUM AMOUNT | MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| Home Equity | $250,000 | 10-year draw period, 20-year repayment period after last draw. Possible 30-year maximum term. | Prime Rate |
Our Home Equity FlexLOC* is a variable-rate home equity line of credit that allows you to take either your entire balance or a portion of your balance and transfer that amount into a fixed rate loan at no cost. That means you can spend your money, how you want.
Maximum Amount: $250,000
Rates posted are based on the following assumptions:
A combined loan-to-value of 80% or less and a minimum credit score of 740.
Note that the rates and/or fees may be higher based upon credit score and line amount.
APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan based on the loan rate and some fees.
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444.
Information accurate as of June 16, 2022.
Savings
MINIMUM INITIAL DEPOSIT: $5
| MIN. TO EARN DIVIDEND | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $5 | 0.03% | Monthly |
| $100 | 0.03% | Monthly |
| $5,000 | 0.04% | Monthly |
| $20,000 | 0.05% | Monthly |
| $50,000 | 0.07% | Monthly |
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of June 2, 2022.
Certificates*
MINIMUM INITIAL DEPOSIT: $1,000
| ACCOUNT TYPE | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $1,000 MINIMUM | ||
| 12 Month Tax Deferred Certificates | 0.65% | At maturity |
| $1,000 MINIMUM | ||
| 3 Month | 0.25% | Monthly |
| 6 Month | 0.40% | Monthly |
| 12 Month | 0.65% | Monthly |
| 18 Month | 0.65% | Monthly |
| 24 Month | 0.75% | Monthly |
| 36 Month | 1.05% | Monthly |
| 48 Month | 1.10% | Monthly |
| 60 Month | 1.15% | Monthly |
*A penalty will be assessed for early withdrawal. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are outlined below:
3 to 5 months: 30 days of dividends
6 to 11 months: 60 days of dividends
12 to 23 months: 90 days of dividends
24 to 47 months: 150 days of dividends
48 + months: 180 days of dividends
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of June 2, 2022.
Ira Share Accounts
MINIMUM INITIAL DEPOSIT: $100
| MIN. TO EARN DIVIDEND | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $100 MINIMUM | ||
| $100 | 0.08% | Monthly |
| $5,000 | 0.09% | Monthly |
| $20,000 | 0.10% | Monthly |
| $50,000 | 0.12% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of June 2, 2022.
IRA Certificate Accounts
MINIMUM INITIAL DEPOSIT: $1,000
| ACCOUNT | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $1,000 MINIMUM | ||
| 3 Month | 0.25% | Monthly |
| 6 Month | 0.40% | Monthly |
| 12 Month | 0.65% | Monthly |
| 18 Month | 0.65% | Monthly |
| 24 Month | 0.75% | Monthly |
| 36 Month | 1.05% | Monthly |
| 48 Month | 1.10% | Monthly |
| 60 Month | 1.15% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of June 2, 2022.
Coverdell Educational Share Accounts
MINIMUM INITIAL DEPOSIT: $50
| MIN. TO EARN DIVIDEND | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $50 MINIMUM | ||
| $50 | 0.08% | Monthly |
| $100 | 0.08% | Monthly |
| $5,000 | 0.09% | Monthly |
| $20,000 | 0.10% | Monthly |
| $50,000 | 0.12% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of June 2, 2022.
Coverdell Educational Certificate Accounts
MINIMUM INITIAL DEPOSIT: $1000
| ACCOUNT | ANNUAL PERCENTAGE YIELD | COMPOUNDING PERIOD |
| $1000 MINIMUM | ||
| 3 Month | 0.25% | Monthly |
| 6 Month | 0.40% | Monthly |
| 12 Month | 0.65% | Monthly |
| 18 Month | 0.65% | Monthly |
| 24 Month | 0.75% | Monthly |
| 36 Month | 1.05% | Monthly |
| 48 Month | 1.10% | Monthly |
| 60 Month | 1.15% | Monthly |
*A penalty will be assessed for early withdrawal
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of June 2, 2022.
Money Market
MINIMUM INITIAL DEPOSIT: $1,000
| ACCOUNT TYPE | STANDARD ACCOUNTS (APY) | MINIMUM TO EARN DIVIDEND | COMPOUNDING PERIOD |
| Money Market | 0.15% | $1,000 | Monthly |
| 0.20% | $10,000 | Monthly | |
| 0.20% | $25,000 | Monthly | |
| 0.25% | $50,000 | Monthly | |
| 0.30% | $100,000 | Monthly | |
| 0.35% | $250,000 | Monthly |
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.
Information accurate as of June 2, 2022.