Our Rates

APY=Annual Percentage Yield and assumes dividends or interest are reinvested and the rate continues for a year. The APY is variable and may change after the account is opened. You must maintain the minimum daily balance required to obtain the applicable APY. Fees could reduce earnings on the account. High Interest Savings account balances up to $2,500 earn first tier APY. Balances of $2,500.01 or more earn the credit union’s base rate for Savings accounts. First tier APY is conditional on meeting the following qualifications: The membership account number tied to the High Interest Savings account must be enrolled in eStatements, have a monthly direct deposit of at least $250 posted to one deposit account, and a single checking account must have 15 posted point-of-sale debit card transactions per month, OR the membership account number must be enrolled in eStatements and have a single checking account with 25 posted point-of-sale debit card transactions per month. Transactions exclude refunds/credits, and ATM transactions. Each statement period that conditions are met after the account is opened, the first tier APY will be applied at the end of the statement period. If qualifications are not met, the first tier APY will discontinue and revert to the credit union’s base rate for Savings accounts until conditions are met. Due to compounding, interest earned may push balances into next rate tier, causing an APY change. If Checking account relationship is terminated or becomes inactive, the first tier APY will discontinue and revert to the credit union’s base rate for Savings accounts until conditions are met. Limit one High Interest Savings or Delta Savings account per member. The High Interest Savings account is only available to Consumer accounts (Business and IRA accounts do not qualify). Minor Savings accounts are not eligible. Rates effective as of 6/16/2025.

APY = Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. The APY is variable and may change after the account is opened. Fees could reduce the earnings on the account. Minimum balance to open Savings account is $1 and may be the Par Value of your share in this credit union. A Savings account that holds the Par Value (suffix 00 account) earns dividends. All other accounts earn interest where applicable. You must maintain the minimum daily balance required to obtain the applicable APY. Tiers, dividend/interest rates and APYs on Checking and Savings accounts are subject to change without notice after the account is opened. Rates effective as of 6/16/2025.

APY = Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. The APY is variable and may change after the account is opened. Fees could reduce the earnings on the account. Minimum balance to open Savings account is $1 and may be the Par Value of your share in this credit union. A Savings account that holds the Par Value (suffix 00 account) earns dividends. All other accounts earn interest where applicable. You must maintain the minimum daily balance required to obtain the applicable APY. Account eligible to 12-and-under with parent/guardian joint. Account converts to regular savings account when minor turns 13. Rates effective as of 6/16/2025.

APY = Annual Percentage Yield. Assumes interest is reinvested and the rate continues for a year. The APY is variable and may change after the account is opened. Fees could reduce the earnings on the account. Minimum balance to open Savings account is $1. You must maintain the minimum daily balance required to obtain the applicable APY. Entire account balance automatically transfers to designated account on or about November 1st annually. Rates effective as of 6/16/2025.

APY = Annual Percentage Yield. Assumes interest is reinvested and the rate continues for a year. The APY is variable and may change after the account is opened. Fees could reduce the earnings on the account. Minimum balance to open Savings account is $1. You must maintain the minimum daily balance required to obtain the applicable APY. Rates effective as of 6/16/2025.

Minimum deposit for Certificate (CD) is $500, with the exception of the Saver CD which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes interest is reinvested and the rate continues for a year. Certificate interest is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal. Rates effective as of 6/16/2025.

APY = Annual Percentage Yield. Rates effective as of 6/16/2025. Assumes dividends are reinvested and the rate continues for a year. The APY is variable and may change after account opening. You must maintain the minimum daily balance required to earn the applicable APY. Fees listed on the Fee Schedule could reduce earnings on the account. You may forfeit dividends if you close any dividend-bearing account before accrued dividends are credited. All dividends are calculated using the daily balance method and are compounded daily and credited on the last day of each month. This account requires a $1,000 minimum opening deposit. This account is subject to a $10 monthly fee if its balance falls below $1,000 at any time. APY is accurate as of the last dividend declaration date.

APY = Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. The APY is variable and may change after the account is opened. Assumes dividends or interest are reinvested and the rate continues for a year. You must maintain the minimum daily balance required to obtain the applicable APY. Tiers, dividend/interest rates and APYs on Checking and Savings accounts are subject to change without notice after the account is opened. Fees listed on the Fee Schedule could reduce earnings on the account. You may forfeit dividends/interest if you close any dividend or interest-bearing account before accrued dividends/interest is credited. Account earns interest where applicable. All Savings and IRA dividends and/or interest are calculated using the daily balance method and are compounded daily and are credited on the last day of each month. This account requires a $1,000 minimum opening deposit. This account is subject to a $20 monthly fee if the balance falls below $25,000 at any time. Rates effective as of 6/16/2025.

APY = Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. The APY is variable and may change after the account is opened. Assumes dividends or interest are reinvested and the rate continues for a year. You must maintain the minimum daily balance required to obtain the applicable APY. Tiers, dividend/interest rates and APYs on Checking and Savings accounts are subject to change without notice after the account is opened. Fees listed on the Fee Schedule could reduce earnings on the account. You may forfeit dividends/interest if you close any dividend or interest-bearing account before accrued dividends/interest is credited. Account earns interest where applicable. All Savings and IRA dividends and/or interest are calculated us 6/16/2025.

Minimum balance to open Savings account is $1 and may be the Par Value of your share in this credit union. A Savings account that holds the Par Value (suffix 00 account) earns dividends. All other accounts earn interest where applicable. All Savings and IRA dividends and/or interest are calculated using the daily balance method and are compounded daily and are credited on the last day of each month. APY=Annual Percentage Yield. Assumes dividends or interest are reinvested and the rate continues for a year. You must maintain the minimum daily balance required to obtain the applicable APY. Tiers, dividend/interest rates and APYs on Checking and Savings accounts are subject to change without notice after the account is opened. Fees listed on the Fee Schedule could reduce earnings on the account. You may forfeit dividends/interest if you close any dividend or interest-bearing account before accrued dividends/interest is credited. Rates effective as of 6/16/2025.

Minimum deposit for CDs is $500. Where applicable, Certificate account interest is calculated using the daily balance method and is compounded and credited monthly, unless otherwise stated. APY=Annual Percentage Yield. Assumes dividends or interest are reinvested and the rate continues for a year. Certificate interest is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. You may forfeit dividends/interest if you close any dividend or interest-bearing account before accrued dividends/interest is credited. You may choose to have interest credited directly to you or to another account each month, but this may reduce earnings. Certificate accounts are subject to substantial penalty for early withdrawal. You may withdraw Certificate without penalty if redeemed within 15 days following maturity. If you do not withdraw at maturity, Certificate will automatically renew for subsequent term at applicable current interest rate. If renewal is prevented for any reason, interest will not accrue after maturity. Early Withdrawal Penalty. The following will apply: certificates with an original maturity date equal to or less than 1 (one) year will have a penalty equal to 90 (ninety) days interest, certificates with an original maturity date greater than 1 (one) year and equal to 2 (two) years will have a penalty equal to 180 (one hundred eighty) days interest, and certificates with an original maturity date greater than 2 (two) years will have a penalty equal to 365 (three hundred sixty five) days interest. How the Penalty Works. The penalty is calculated as a forfeiture of part of the interest that has or would have earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal. If you close your certificate account before interest is paid, you will receive the accrued interest. Exceptions to Early Withdrawal Penalty. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. When the account is an Individual Retirement Account (IRA), the owner attains age 59½ or becomes disabled, and the funds are withdrawn as a normal distribution only. Rates effective as of 6/16/2025.

APY = Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. The APY is variable and may change after the account is opened. Assumes dividends or interest are reinvested and the rate continues for a year. You must maintain the minimum daily balance required to obtain the applicable APY. Tiers, dividend/interest rates and APYs on Checking and Savings accounts are subject to change without notice after the account is opened. Fees listed on the Fee Schedule could reduce earnings on the account. You may forfeit dividends/interest if you close any dividend or interest-bearing account before accrued dividends/interest is credited. Account earns interest where applicable. All Savings and IRA dividends and/or interest are calculated using the daily balance method and are compounded daily and are credited on the last day of each month. Rates effective as of 6/16/2025.

Introductory annual percentage rate ("APR") as low as 5.99% for the first year. Thereafter the APR varies, with a maximum APR of 18%. As of 6/16/2025, this variable Hybrid Home Equity Line of Credit APR would have been 6.99% APR for 70% LTV. Intro rate of 5.99% is for well-qualified borrowers at a maximum loan to value ratio (“LTV”) of 70%. New loans only. Additional introductory rates and variable rate may be available for higher LTVs. Contact the credit union for details. Consult your tax advisor regarding deductibility of interest. Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you. Please contact credit union for additional information regarding Hybrid rate locks. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Home Equity products are available in Florida, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *Florida and Illinois properties - maximum LTV 90%/maximum loan amount $250,000. Loan to Value = LTV. Home value may be based on full appraisal at the member’s expense. Property must be a single family home and owner occupied. Property insurance will be required. Rates effective as of 6/16/2025.

Introductory annual percentage rate ("APR") as low as 6.49% for the first year. Thereafter the APR varies, with a maximum APR of 18%. As of 6/16/2025, this variable Hybrid Home Equity Line of Credit APR would have been 7.49% APR for 80% LTV. Intro rate of 6.49% is for well-qualified borrowers at a maximum loan to value ratio (“LTV”) of 80%. New loans only. Additional introductory rates and variable rate may be available for higher LTVs. Contact the credit union for details. Consult your tax advisor regarding deductibility of interest. Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you. Please contact credit union for additional information regarding Hybrid rate locks. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Home Equity products are available in Florida, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *Florida and Illinois properties - maximum LTV 90%/maximum loan amount $250,000. Loan to Value = LTV. Home value may be based on full appraisal at the member’s expense. Property must be a single family home and owner occupied. Property insurance will be required. Rates effective as of 6/16/2025.

Introductory annual percentage rate ("APR") as low as 6.99% APR for the first year. Thereafter, the APR varies, with a maximum APR of 18%. As of 6/16/2025, this variable Hybrid Home Equity Line of Credit APR would have been 8.49% APR for 90% LTV. Intro rate of 6.99% is for well-qualified borrowers at a maximum loan to value ratio (“LTV”) of 90%. New loans only. Contact the credit union for details. Consult your tax advisor regarding deductibility of interest. Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you. Please contact credit union for additional information regarding Hybrid rate locks. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Home Equity products are available in Florida, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *Florida and Illinois properties - maximum LTV 90%/maximum loan amount $250,000. Loan to Value = LTV. Home value may be based on full appraisal at the member’s expense. Property must be a single family home and owner occupied. Property insurance will be required. Line amounts range from $10,000 to $250,000. Rates effective as of 6/16/2025.

Rates effective as of 6/16/2025. APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed in the account agreement. Rates, terms and conditions are subject to change or expire without notice. 100% LTV Home Equity products are available in Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *Florida and Illinois properties - maximum LTV 90%/maximum loan amount $250,000.  Loan to Value = LTV. Home value may be based on full appraisal, at the member’s expense. Property must be a single family home and owner occupied. Property insurance will be required. Line amounts range from $10,000 to $100,000. Consult your tax advisor regarding deductibility of interest. Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you.

Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan. Portion of credit line can be fixed up to 15 years from Line of Credit loan date. Minimum fixed loan amount for a Rate Lock is $5,000. Fixed rate portion reduces the availability on the line of credit, payments made to the fixed rate portion replenishes the line of credit. As of 6/16/2025, the fixed rate for an 70% Hybrid Locked segment is as low as 7.49%. Home Equity products are available in Florida, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *Florida and Illinois properties - maximum LTV 90%/maximum loan amount $250,000.

Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan. Portion of credit line can be fixed up to 15 years from Line of Credit loan date. Minimum fixed loan amount for a Rate Lock is $5,000. Fixed rate portion reduces the availability on the line of credit, payments made to the fixed rate portion replenishes the line of credit. As of 6/16/2025, the fixed rate for an 80% Hybrid Locked segment is as low as 7.99%. Home Equity products are available in Florida, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *Florida and Illinois properties - maximum LTV 90%/maximum loan amount $250,000.

Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan. Portion of credit line can be fixed up to 15 years from Line of Credit loan date. Minimum fixed loan amount for a Rate Lock is $5,000. Fixed rate portion reduces the availability on the line of credit, payments made to the fixed rate portion replenishes the line of credit. As of 6/16/2025, the fixed rate for an 90% Hybrid Locked segment is as low as 8.99%. Home Equity products are available in Florida, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *Florida and Illinois properties - maximum LTV 90%/maximum loan amount $250,000.

Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan. Portion of credit line can be fixed up to 15 years from Line of Credit loan date. Minimum fixed loan amount for a Rate Lock is $5,000. Fixed rate portion reduces the availability on the line of credit, payments made to the fixed rate portion replenishes the line of credit. As of 6/16/2025, the fixed rate for an 100% Hybrid Locked segment is as low as 9.99%. 100% LTV Home Equity products are available in Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *Florida and Illinois properties - maximum LTV 90%/maximum loan amount $250,000

APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Rates effective as of 6/16/2025.

Borrower must have 6 months of membership with the credit union to be approved for our First-Time Auto Loan. APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Rates effective as of 6/16/2025.

APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Rates effective as of 6/16/2025.

APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Rates effective as of 6/16/2025.

APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Rates effective as of 6/16/2025.

APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Rates effective as of 6/16/2025.

APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Rates effective as of 6/16/2025.

APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates effective as of 6/16/2025.

APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates, terms and conditions are subject to change or expire without notice. APR may vary and is determined by adding a margin of 6.49% - 14.49% to the U.S. Prime rate published in the Money Rates section of the Wall Street Journal on the first business day of the month. Rates effective as of 6/16/2025.

APY = Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. The APY is variable and may change after the account is opened. Fees could reduce the earnings on the account. All Savings accounts compound dividends daily and pay monthly. Rate quotes are subject to change. A Savings account that holds the Par Value (suffix 00 account) earns dividends. All other accounts earn interest where applicable. Rates effective as of 6/16/2025.

APY = Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. The APY is variable and may change after the account is opened. Assumes dividends or interest are reinvested and the rate continues for a year. You must maintain the minimum daily balance required to obtain the applicable APY. Tiers, dividend/interest rates and APYs on Checking and Savings accounts are subject to change without notice after the account is opened. Fees listed on the Fee Schedule could reduce earnings on the account. You may forfeit dividends/interest if you close any dividend or interest-bearing account before accrued dividends/interest is credited. Account earns interest where applicable. All Savings and IRA dividends and/or interest are calculated using the daily balance method and are compounded daily and are credited on the last day of each month. This account requires a $1,000 minimum opening deposit. This account is subject to a $20 monthly fee if the balance falls below $25,000 at any time. Rates effective as of 6/16/2025.

APY = Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Account compounds interest daily and pays monthly. Rate quotes are subject to change. The APY is variable and may change after the account is opened. Fees could reduce the earnings on the account. Rates effective as of 6/16/2025.

APR = Annual Percentage Rate. Rates and terms subject to change and are dependent on creditworthiness and collateral. Rates are subject to change. Actual rate may vary. Contact the credit union for more information. Rates effective as of 6/16/2025.

APR = Annual Percentage Rate. Rates are subject to applicant credit. Rates are subject to change. Actual rate may vary. For a complete list of Business Credit Card fees please refer to your cardholder agreement. Contact the credit union for more information. Rates effective as of 6/16/2025.