Competitive Rates

¹This is a variable rate account. The dividend rates and Annual Percentage Yield (APY) may change monthly. There are no limitations on the amount the dividend rate may change. Minimum Opening Balance and Minimum Earning Balance represent the minimum deposit balance required to earn the corresponding stated dividend rate. Dividends will be compounded monthly and credited monthly. Money Market Accounts may be subject to fees and charges. Your savings federally insured to at least $250,000 by the National Credit Union Share Insurance Fund, administered by the NCUA and backed by the full faith and credit of the United States Government.

Dividend Rate Schedule

Fee Schedule

Truth In Savings Disclosure

Dividend Rate Schedule

Fee Schedule

Truth In Savings Disclosure

Dividend Rate Schedule

Fee Schedule

Truth In Savings Disclosure

¹The dividend rate and Annual Percentage Yield (APY) stated for the term accounts listed are offered within the most recent seven calendar days and were accurate as of 09/02/2025. APY assumes amount remains on deposit until maturity; any withdrawal will reduce earnings. An Early Withdrawal Penalty will apply for withdrawal before the maturity date. Certificate accounts are subject to membership eligibility, terms, and fees. Initial deposit may be required to establish an account. Minimum opening balance to receive APY is $500. Certificate accounts will automatically renew at maturity to the existing term and certificate fixed rate in effect at that time unless you withdraw all the funds in the account at maturity or within a grace period of 6 days after maturity.

For full terms, fees and conditions, see:

Dividend Rate Schedule

Fee Schedule

Truth In Savings Disclosure

Membership And Account Agreement

¹The dividend rate and annual percentage yield stated for the term accounts listed are offered within the most recent seven calendar days and were accurate as of the above date. An Early Withdrawal Penalty will apply for withdrawal before the maturity date. Certificate Accounts are subject to approval, terms, and fees. Your savings federally insured to at least $250,000 by the National Credit Union Share Insurance Fund, administered by the NCUA and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Dividend Rate Schedule

Fee Schedule

Truth In Savings Disclosure

¹Current Purchase, post-introductory Balance Transfer, and Cash Advance APRs are 14.990% for VISA Share Secured and VISA Platinum and 17.990% for VISA Platinum Rewards (as of 12/01/2025). These are variable rate accounts. We add a “Margin” of 7.740% to the Prime Rate (currently 7.25% as of 12/01/2025) to determine the VISA Share Secured and VISA Platinum Purchase, post-introductory Balance Transfer, and Cash Advance APRs (the daily periodic rate for Purchases, post-introductory Balance Transfers, and Cash Advances is currently 0.0411%); maximum APR 18% (corresponding to a daily periodic rate of 0.0493%). We add a “Margin” of 10.740% to the Prime Rate to determine the VISA Rewards APR for Purchases, Balance Transfers, and Cash Advances (the daily periodic rate is currently 0.0493%); maximum APR 18% (corresponding to a daily periodic rate of 0.0493%).

The rates disclosed above are offered to approved applicants and depend on credit qualifications. Rates are variable and rates and terms are subject to change. All loans are subject to credit approval and income verification. If under 21, you must prove financial independence or have a qualified co-borrower over age 21. Refer to the Credit Card Agreement and the Application & Solicitation Disclosure for additional information. Balance transfer offer available for U.S.-issued cards only. VISA’s Zero Liability policy does not apply to commercial card or ATM transactions or to PIN transactions not processed by VISA.

¹APR= Annual Percentage Rate. Rates as low as 8.990%APR, your rate may be higher depending on your credit profile. Personal loan interest rates range from 8.990% to 16.490%. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to Credit Union approval. Terms offered up to 60 months. Other rates and terms are available. Payment amount per every $1,000 borrowed at 8.990% for 60 months equals $20.75 per month. For more payment examples for all loan types, use our payment calculator or call 800-282-6212.

¹APR = Annual Percentage Rate. Secured loans require collateral in the form of shares or certificates. The APR is calculated by adding a 2.00% margin to the dividend/yield of the pledged account. Loan approval is subject to credit union review. Rates, terms, and conditions are subject to change without notice.

Share-Secured Loan Payment Example: A $5,000 loan at 2.10% APR for 60 months would have monthly payments of approximately $87.71. Total repayment: $5,262.60.

Certificate-Secured Loan Payment Example: A $5,000 loan at 5.00% APR for 36 months would have monthly payments of approximately $149.85. Total repayment: $5,394.60.

For more payment examples for all loan types, use our payment calculator or call 800-282-6212.

¹Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and the term of your loan. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. You will be notified of the base rate for which you qualify when your loan request is approved. Payment example: Pay $29.97 per month per $1,000 borrowed at 4.990% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor.

²APR = Annual Percentage Rate. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. 8.490% APR is valid for terms up to 60 months. Quoted loan rate is the lowest rate offered based on individual credit worthiness. Payment amount per every $1,000 borrowed at 8.490% for 60 months equals $20.51 per month.Borrower must be over 18 years old; employed at least part-time; a student at an accredited college, university, or trade school, or a recent graduate (less than one-year post graduation). Must have no FICO score, or limited credit history. Down payment required.

¹Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and the term of your loan. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. You will be notified of the base rate for which you qualify when your loan request is approved. Payment example: Pay $29.97 per month per $1,000 borrowed at 4.990% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor.

¹Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and the term of your loan. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. You will be notified of the base rate for which you qualify when your loan request is approved. Payment example: Pay $29.97 per month per $1,000 borrowed at 4.990% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor.