a person using their computer to calculate funds

Rates

Our Deposit and Loan Rates

4 month CD special

3.25%

APY
7 month CD special

3.00%

APY
mortgages
As Low As

5.25%

APR

APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Rates and Yields are accurate as of 2/20/2026.
Deposit rates and rewards are variable and may change after the account is opened.
CD rates are fixed.
 
Fees may reduce earnings.
 
Rates as low as 5.25% APR. Contact us or visit us for details.
 
Model Year 2022 - 2025
 
Credit Score APR
750+ 6.75% to 7.95%
700-749 7.00% to 8.20%
650-699 8.00% to 9.20%
600-649 10.75% to 11.95%
<600 11.75% to 12.95%
 
0.25% discount available when paid on an AFT basis
APR based on term of loan. Call for details.
 
Year APR (Credit Score 750+) APR (Credit Score 700-749) APR (Credit Score 650-699) APR (Credit Score 600-649) APR (Credit Score <600)
2019 to 2021
6.99% - 8.74%
depending on term
7.24% - 8.99%
depending on term
8.24% - 9.99%
depending on term
11.49% - 13.24%
depending on term
12.49% - 14.24%
depending on term
2018 & prior 7.99% 8.24% 11.24% 14.74% 16.00%
0.25% discount available when paid on an AFT basis. Contact us for terms
 
Type / Term Minimum Balance to Open and Earn APY Interest Rate APY
4 Month Special**** $2,500 3.20% 3.25%
7 Month Special**** $2,500 2.96% 3.00%
13 Month Special**** $2,500 2.71% 2.75%
Starter CD (1 year) $500 0.50% 0.50%
1 Year-Renewal Once* $10,000 0.70% 0.70%
1 Month CD $1,000 0.35% 0.35%
3 Month CD $1,000 0.45% 0.45%
6 Month CD $1,000 0.55% 0.55%
12 Month CD $1,000 0.65% 0.65%
18 Month CD $1,000 0.70% 0.70%
24 Month CD $1,000 0.80% 0.80%
30 Month CD $1,000 0.90% 0.90%
36 Month CD $1,000 1.00% 1.00%
48 Month CD $1,000 1.05% 1.06%
60 Month CD  $1,000 1.10% 1.11%
 
 
Balance Minimum Opening Deposit Interest Rate APY
$0 to $10,000 $0 1.98% 2.00%
$10,000+ $0 0.20% 2.00% to 0.36%
All balances if qualifications not met $0 0.05% 0.05%
*Qualifications to Earn Rewards
Just do a few simple things you're probably already doing. Enrollments must be in place and all of the following transactions and activities must post and settle to your First Choice Interest account during each Monthly Qualification Cycle:
  • At least 15 debit card purchases, each greater than $7
  • At least 1 direct deposit or ACH credit transaction post and settle
  • Be enrolled in and agree to receive eStatements
And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
 
Balance Minimum Opening Deposit Interest Rate APY
$0 to $20,000 $0 0.75% 0.75%
$20,000+ $0 0.10% 0.75% to 0.21%
All balances if qualifications not met $0 0.05% 0.05%
 
‡Qualifications to Earn The Higher Rate
Qualifying for your First Choice Interest or First Choice Cash Back rewards automatically qualifies you for the highest First Choice Savings rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your First Choice Interest or First Choice Cash Back account during each Monthly Qualification Cycle:
  • At least 15 debit card purchases, each greater than $7
  • At least 1 direct deposit or ACH credit transaction post and settle
  • Be enrolled in and agree to receive eStatements
And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate in First Choice Savings. And you can get right back to earning your full rewards the very next cycle that you qualify.    
 
Minimum Balance to Open Interest Rate APY
$1,000 0.05% 0.05%
Account Interest Rates APY
Basic Savings 0.05% 0.05%
Youth Savings – 18 & under 0.05% 0.05%
Club Savings 0.05% 0.05%
 
Minimum Balance to Earn APY Interest Rate APY
$1,000 0.05% 0.05%
$10,000 0.10% 0.10%
$25,000 0.15% 0.15%
$50,000 0.20% 0.20%
$250,000 0.30% 0.30%
Type/Term Minimum Balance to Open and Earn APY Interest Rate APY
Variable IRA** $250 0.55% 0.55%
Fixed IRA*** $1,000 — —
 
 
• Penalty for early withdrawals (including substantial tax penalties on IRAs), consult your tax advisor (CDs & IRAs).
• Fees could reduce earnings (Checking and Savings Accounts).
• Interest is compounded daily.










* Guaranteed renewable once at the same rate or higher.
** Variable rate tied to 6 month CD rate; may change at any time determined by the Bank at our discretion.
*** Same as the term selected from the CDs listed of one year or longer.
**** Special rates for at least 50% new money only, funds currently or recently on deposit are not eligible for the promotional rate. IRAs not eligible for special rates. Non-public institutions only (contact us for rates).