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Rates

All Rates

  • Auto Loan Rates

    Age of Vehicle Term Months Benefits APR* As Low As
    2014 - 202436LOWEST RATE, no payment for 60 days5.74%
    2014 - 202448 No payment for 60 days 6.24%
    2014 - 202466 No payment for 60 days 6.74%
    2014 - 202472 $12,000 or more, no payment for 60 days6.99%
    2014 - 202484$25,000 or more, no payment for 60 days7.74%
    2009 - 201360 No payment for 60 days8.24%
    2008 & Older48No payment for 60 days10.24%

    *Terms & Conditions – APR = annual percentage rate | Loans based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details.

    Adventure Vehicle Loan Rates

    Loan Type Term APR* As Low As
    Travel Trailers, Motor Homes, & Boatsup to 60 months, up to $6,0008.25%
    Travel Trailers, Motor Homes, & Boatsup to 84 months, $6,001 - $10,0008.50%
    Travel Trailers, Motor Homes, & Boatsup to 120 months, $10,001+8.75%
    ATV's, Off-Road Motorcycles, Watercraft, & Snowmobilesup to 60 months, up to $6,0008.50%
    ATV's, Off-Road Motorcycles, Watercraft, & Snowmobilesup to 84 months, $6,001 - $10,0008.50%
    Horse, Utility, & Flatbed Trailersup to 60 months, up to $6,0007.74%
    Horse, Utility, & Flatbed Trailersup to 84 months, $6,001 - $10,0008.74%
    Horse, Utility, & Flatbed Trailersup to 120 months, $10,001+9.74%

    *Terms & Conditions – APR = annual percentage rate | Loans based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details.

    Mortgage Loan Rates

    Mortgages & HELOC6 Month Intro Rate RateAPR As Low As*
    Home Equity Line of Credit (HELOC) Up to 50% LTVVariable5.50%8.50%8.50%
    Home Equity Line of Credit (HELOC) Up to 51-80% LTVVariable5.50%8.75%8.75%
    Home Equity Line of Credit (HELOC) Up to 81-100% LTVVariableNA11.75% 11.75%
    5-Year Mortgage Up to 80% LTVFixed6.00%6.49%
    10-Year Mortgage Up to 80% LTVFixed6.50% 6.77%
    15-Year Mortgage Up to 80% LTVFixed6.99%7.18%
    20-Year Mortgage Up to 80% LTVFixed with 10 Year Call6.99%7.18%
    30-Year Mortgage Up to 80% LTVFixed with 10 Year Call6.99%7.17%
    10-Year NO FEE Mortgage Up to 65% LTVFixed7.25%7.25%
    15-Year NO FEE Mortgage Up to 65% LTVFixed7.74%7.74%
    20-Year NO FEE Mortgage Up to 65% LTVFixed with 10 Year Call7.74%7.74%
    30-Year NO FEE Mortgage Up to 65% LTVFixed with 10 Year Call7.74%7.74%
    10-Year Second Mortgage Up to 80% LTVFixed7.25%7.43%

    *Terms & Conditions: APR = annual percentage rate | Loans based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details. | Equal Housing Lender | NMLS# 641663 | Membership eligibility required | Consult your tax advisor for more information regarding the tax-deductible benefits of a home equity line of credit or mortgage loan.

    Special Loan Rates

    TypeRate APR*
    Holiday9.99%
    Personal11.50%
    Credit BuilderContact us for more information

    *Terms & Conditions – APR = annual percentage rate | Loans based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details.

    Overdraft Line of Credit Rate

    BenefitRate APR*
    Avoid bounced checks and/or denied debit card transactions16.50%

    *Terms & Conditions – APR = annual percentage rate | Overdraft Line of Credit based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details.

  • Certificate Rates

    TermMinimum Balance Dividend Rate APY*
    6-Month $5005.15%
    7-Month (FLUID)** $10,000 5.00%
    NEW 9-Month Growth Certificate***$5005.00%
    12-Month $500 5.25%
    18-Month $500 4.50% with bump
    24-Month $500 4.25%
    30-Month $500 4.00%
    36-Month $500 4.00%

    *Terms & Conditions – APY = annual percentage yield | Rates subject to change without notice | Rates listed as of January 18, 2024 | Certificate rates are subject to early closure penalties; please see us for details.

    **For Fluid Certificates, you may make one monthly withdrawal as long as the minimum balance of $10,000 is maintained. You may also make additional deposits at any time.

    ***9-Month Growth Certificates must have auto-transfer set-up with at least $25 per month going into the certificate. You can make additional deposits as you want. If you withdraw funds before the maturity date, the certificate will be terminated, and an early withdrawal penalty will be assessed.

    Starter Certificate Rate

    Type Minimum Balance Dividend Rate APY*
    Starter Certificate $50 5.25%

    *Terms & Conditions – APY = annual percentage yield | Rates subject to change without notice | Rates listed as of January 18, 2024 | Certificate rates are subject to early closure penalties; please see us for details. For Starter Certificates, you may make additional deposits at any time. A minimum deposit of $25.00 per month. When your balance reaches $500.00, the funds in the account will be transferred to a 12-month certificate.

    Saving Rates

    Type Minimum Balance Rate APY*
    Traditional Savings $25 0.10%
    Save the ChangeN/A5.00%
    Dollar Dog Kids Account$250.10%
    iSave Teen Account$250.10%

    *Terms & Conditions – APY = annual percentage yield | Rates subject to change without notice | Rates listed as of
    July 12, 2023.

    Money Market Rates

    Tier Balance Rate APY*
    1 $0 - $2,499.99No dividends paid
    2 $2,500 - $4,999.99 0.50%
    3 $5,000.00 - $9,999.99 1.25%
    4 $10,000.00 - $24,999.99 1.50%
    5 25,000.00 - $49,999.991.75%
    6$50,000.00 - $99,999.992.00%
    7$100,000.00 - $249,999.992.50%
    8$250,000.00 and Above3.00%

    *Terms & Conditions – APY = annual percentage yield | Rates subject to change without notice | Rates listed as of May 15, 2023 | Notice: Dividends may be forfeited if the account is closed before accrued dividends have been credited.

  • Visa Credit Card Rates

    TypeFeeGrace PeriodRate APR*
    CreditNo annual fee28 day grace period5.99% Special Intro Rate
    CreditNo Annual Fee28 day grace period13.00%

    *Some restrictions may apply. Offer valid on approved credit. APR = annual percentage rate. After the introductory rate of 5.99% APR for six billing cycles, you will receive a variable APR of 13.00% APR, effective April 1, 2024, for purchases, balance transfers, and cash advances. The introductory rate applies to cash advances. Offer not retroactive. Speak to a loan officer for the full terms of the offer.

NOTICE

. On Wednesday, June 19, 2024, Elevate will be closed for Juneteenth, AND our Garland ATM will be unavailable while we get our roof replaced.