Deposit Rates

Loan Rates
Deposit Rates

Rates are effective as of May 1, 2026.

Rates are effective as of April 1, 2026.

All rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications.

Checking Accounts

Account Type
Dividend Rate
APY*
Min/Max Balance
Notes
No items found.

Savings Accounts

Account Type
Dividend Rate
APY*
Notes
Main Share
Dividend Rate
0.050%
APY*
0.05%
Notes

If average daily balance is over $100

‍

Holiday Club
Dividend Rate
0.050%
APY*
0.05%
Notes
Rising Tide Youth Share
Dividend Rate
9.569%
APY*
10.00%
Notes

Balance: $5 - $1,000

‍

Rate = 0.050% | APY* 0.05% for

balances $1,000.01 & over.

Money Market ($1,000-$9,999)
Dividend Rate
0.499%
APY*
0.50%
Notes
Money Market ($10,000-$24,999)
Dividend Rate
0.747%
APY*
0.75%
Notes
Money Market ($25,000-$49,999)
Dividend Rate
0.747%
APY*
0.75%
Notes
Money Market ($50,000-$99,999)
Dividend Rate
1.243%
APY*
1.25%
Notes
Money Market ($100,000-$249,999)
Dividend Rate
1.490%
APY*
1.25%
Notes
Money Market ($250,000 +)
Dividend Rate
2.716%
APY*
2.45%
Notes

‍Share Certificates

Account Type
Dividend Rate
APY*
Notes
60-Month Share Certificate
Dividend Rate
2.472%
APY*
2.50%
Notes
48-Month Share Certificate
Dividend Rate
2.618%
APY*
2.65%
Notes
36-Month Share Certificate
Dividend Rate
2.960%
APY*
3.00%
Notes
24-Month Share Certificate
Dividend Rate
2.960%
APY*
3.00%
Notes
12-Month Share Certificate
Dividend Rate
3.445%
APY*
3.50%
Notes
6-Month Share Certificate
Dividend Rate
3.639
APY*
3.70%
Notes
90-Day Share Certificate
Dividend Rate
3.445%
APY*
3.50%
Notes

IRAs

Account Type
Dividend Rate
APY*
Notes
IRA Accumulation
Dividend Rate
0.955%
APY*
1.00%
Notes
60-Month IRA Certificate
Dividend Rate
2.472%
APY*
2.50%
Notes
48-Month IRA Certificate
Dividend Rate
2.618%
APY*
2.65%
Notes
36-Month IRA Certificate
Dividend Rate
2.960%
APY*
3.00%
Notes
24-Month IRA Certificate
Dividend Rate
2.960%
APY*
3.00%
Notes
12-Month IRA Certificate
Dividend Rate
3.445%
APY*
3.50%
Notes
6-Month IRA Certificate
Dividend Rate
3.639%
APY*
3.70%
Notes
90-Day IRA Certificate
Dividend Rate
3.445%
APY*
3.50%
Notes

Auto Loans

Loan Type
APR* as low as
Terms
Notes
New & Used Autos
APY*
3.19%
-
18.00%
Terms Up To
Up to 84 Months
Notes

(Autos up to 10 years old)

‍

Motorcycle, Boat, RVs

Loan Type
APR* as low as
Terms
Notes
Motorcycles
APY*
5.55%
-
18.00%
Terms Up To
Up to 72 Months
Notes

3.55%

Limited Time Promotional Offer
May 1 - June 30, 2026

‍

Boats
APY*
5.55%
-
18.00%
Terms Up To
Up to 180 Months
Notes

3.55%

Limited Time Promotional Offer
May 1 - June 30, 2026

‍

Recreational Vehicles
APY*
5.55%
-
18.00%
Terms Up To
Up to 180 Months
Notes

3.55%

Limited Time Promotional Offer
May 1 - June 30, 2026

‍

Personal Loans

Loan Type
APR* as low as
Terms
Notes
Credit Builder Loan
APY*
14.70%
 
Terms Up To
12 Months
Notes
First-Chance Loan
APY*
12.70%
 
Terms Up To
Notes

Call for Terms

Lifestyle Loan
APY*
7.10%
 
Terms Up To
Up to 60 Months
Notes
Signature Loan
APY*
9.30%
 
Terms Up To
Up to 60 Months
Notes

Highest APR* is 18.00%

‍

Student Loans

Loan Type
APR*
Terms
Notes
No items found.

Business Loans

Loan Type
APR*
Terms
Notes
No items found.