Our Rates

Rates effective May 29, 2017.

APY* = Annual Percentage Yield

Fees may reduce earnings.

Minimum balance to earn stated APY for savings - $100.00.

Checking Rates

Checking Accounts

Checking RatesRateAnnual Percentage Yield
E-Account Checking

$0 - $500
over $500

 

5.841%
0.100%

 

6.00%
0.10%

Heritage Checking0.05%0.05%
Classic Checking0.00%0.00%
Premier Checking

$2,500 - $24,999.99
$25,000 - $99,999.99
$100,000+

 

0.10%
0.10%
0.10%

 

0.10%
0.10%
0.10%

Savings Rates

Savings Accounts Rates

Account TypeRateAPY*
Heritage Savings0.100%0.10%

Share Certificate

TermsTiersRateAPY*Penalty
6 Months$500 Minimum0.349%0.35%90 Days
$10,000 Minimum0.349%0.35%
$100,000 Minimum0.349%0.35%
12 Months$500 Minimum0.598%0.60%90 Days
$10,000 Minimum0.598%0.60%
$100,000 Minimum0.598%0.60%
24 Months$500 Minimum0.747%0.75%180 Days
$10,000 Minimum0.747%0.75%
$100,000 Minimum0.747%0.75%
36 Months$500 Minimum0.946%0.95%180 Days
$10,000 Minimum0.946%0.95%
$100,000 Minimum0.946%0.95%
48 Months$500 Minimum1.094%1.10%180 Days
$10,000 Minimum1.094%1.10%
$100,000 Minimum1.094%1.10%
60 Months$500 Minimum1.292%1.30%180 Days
$10,000 Minimum1.292%1.30%
$100,000 Minimum1.292%1.30%

3-Step Share Certificate

TermsTiersRateAPY*Penalty ²
24 Months$500 Minimum0.648%0.65%see ² below
$10,000 Minimum0.648%0.65%
$100,000 Minimum0.648%0.65%

Money Market Plus

TiersRateAPY *Penalty ³
$2,500 Minimum0.150%0.15%see ³ below
$10,000 Minimum0.25%0.25%
$25,000 Minimum0.30%0.30%

IRA Rates

TypeTiersRateAPY*
IRA Savings$500 - $9999.990.200%0.20%
$10,000 - $49,999.990.300%0.30%
$50,000 +0.399%0.40%
TypeTiersRateAPY*Penalty
6 Months$500 Minimum0.349%0.35%90 Days
$10,000 Minimum0.349%0.35%
$100,000 Minimum0.349%0.35%
12 Months$500 Minimum0.598%0.60%90 Days
$10,000 Minimum0.598%0.60%
$100,000 Minimum0.598%0.60%
24 Months$500 Minimum0.747%0.75%180 Days
$10,000 Minimum0.747%0.75%
$100,000 Minimum0.747%0.75%
36 Months$500 Minimum0.946%0.95%180 Days
$10,000 Minimum0.946%0.95%
$100,000 Minimum0.946%0.95%
48 Months$10,000 Minimum1.094%1.10%180 Days
$100,000 Minimum1.094%1.10%
60 Months$10,000 Minimum1.292%1.30%180 Days
$100,000 Minimum1.292%1.30%

¹ Penalty may apply for early withdrawal and may reduce earnings.


² Member may withdraw up to 50% of initial deposit after the first seven days without penalty once during the term of the certificate. Other withdrawals use current 24 month certificate penalty.


³ Low balance fee assessed at the end of the month, $15.00 per month if balance goes below $2,500 anytime during the month.

Auto Loan Rates

Auto Loan Rates

Consumer Loan TypeApproximate TermAnnual Percentage Rate ¹
Auto, Truck, and SUVUp to 48 MonthsAs low as 2.49%
Up to 60 MonthsAs low as 2.49%
Up to 66 monthsAs low as 2.74%
Up to 72 MonthsAs low as 2.99%
Up to 75 MonthsAs low as 3.34%
Up to 84 MonthsAs low as 3.74%
Secured Collateralized Loans (Other than Auto, Truck, and SUV)Up to 48 MonthsAs low as 3.99%
Up to 60 MonthsAs low as 3.99%
Up to 72 MonthsAs low as 5.49%
Up to 84 MonthsAs low as 6.74%
Extended Terms Available for BoatsUp to 120 MonthsAs low as 7.99%
Up to 144 MonthsAs low as 8.99%

¹ The rate you qualify to receive may vary depending on individual credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.



Home Loan Rates

Home Loan Rates

Home Equity Loan TypeLTV < 80% Annual Percentage Rate ¹LTV 81-90% Annual Percentage Rate ¹LTV 91-100% Annual Percentage Rate ¹
Fixed Rate Term ≤ 72 MonthsCall For A Great RateCall For A Great RateCall For A Great Rate
Fixed Rate Term < 120 MonthsCall For A Great RateCall For A Great RateCall For A Great Rate
Fixed Rate Term < 180 MonthsCall For A Great RateCall For A Great RateCall For A Great Rate

¹ The rate you qualify to receive may vary depending on individual credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.


A home equity loan is secured by a first or second mortgage lien on your home. Minimum home equity loan amount is $10,000. Closing fees range from $0 to $700.

Credit Card Rates

Credit Card Rates

Choose The Plan That Works For YouPlatinumSecured Visa
Annual Percentage Rate9.9% - 16.9%9.9%
Annual Membership FeeNoneNone
Grace Period for Purchases25 Days25 Days
Minimum Finance ChargeNoneNone
Transaction FeeNoneNone

Personal Loan Rates

Personal Loan Rates

Consumer Loan TypeTermsAnnual Percentage Rate ¹
Personal LoansUp to 60 monthsAs low as 8.95%

¹ The rate you qualify to receive may vary depending on individual credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.