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Rates

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Checking Accounts

Built around the must-haves in life: convenience, predictability, and getting more from your money.

Amount on Deposit Nominal Dividend Rate Annual Percentage Yield (APY)
$0.00 – $49,999.99 0.000% 0.00%
$50,000.00 and up 0.045% 0.05%
Rates Effective September 1, 2022

Savings Accounts

Earn the dividends you deserve (and that the piggy bank won’t give you).

Account Type Minimum on Deposit to Earn Dividends Nominal Dividend Rate Annual Percentage Yield (APY)
Primary Membership Account $250.00 0.095% 0.10%
Other Savings Account $100.00 0.095% 0.10%
Vacation Club Savings $100.00 0.095% 0.10%
Christmas Club Savings $100.00 0.095% 0.10%
Rates Effective September 1, 2022

Super Squirrels Youth Accounts (Ages 12 and Under)

If the kids already swear they’re smarter than you are, help them prove it with an account that supports smart money decisions.

Account Type Minimum on Deposit to Earn Dividends Nominal Dividend Rate Annual Percentage Yield (APY)
Tier 1 $0.00 – $499.99 0.595% 0.60%
Tier 2 $500.00 – $1,999.99 0.395% 0.40%
Tier 3 $2,000.00 and up 0.195% 0.20%
Rates Effective September 1, 2022

Generation One Teen Accounts (Ages 13-18)

Help your teen learn to handle money and save for the future, they are our next generation after all!

Account Type Minimum on Deposit to Earn Dividends Nominal Dividend Rate Annual Percentage Yield (APY)
Tier 1 $0.00 – $499.99 0.595% 0.60%
Tier 2 $500.00 – $1,999.99 0.395% 0.40%
Tier 3 $2,000.00 and up 0.195% 0.20%
Rates Effective September 1, 2022

Share Certificates

High yield with a low minimum balance requirement.

Term Minimum Balance Dividend Rate Annual Percentage Yield (APY)
6-Month $1,000.00 0.445% 0.45%
9-Month $1,000.00 0.495% 0.50%
11-Month $5,000.00 0.595% 0.60%
12-Month $1,000.00 0.595% 0.60%
12-Month No Penalty $1,000.00 0.245% 0.25%
13-Month $10,000.00 1.980% 2.00%
14-Month $10,000.00 0.595% 0.60%
15-Month $1,000.00 3.200% 3.25%
18-Month $1,000.00 0.595% 0.60%
19-Month $10,000.00 0.595% 0.70%
21-Month $1,000.00 0.695% 0.70%
24-Month $1,000.00 0.695% 0.70%
36-Month $1,000.00 0.795% 0.80%
48-Month $1,000.00 0.995% 1.00%
60-Month $10,000.00 1.095% 1.10%
Rates Effective September 1, 2022

Youth Share Certificates

Super Squirrels and Generation One get special share certificate rates and terms.

Type Minimum Balance Dividend Rate Annual Percentage Yield (APY)
Super Squirrels (12-month Share Certificate) $500.00 0.645% 0.65%
Generation One (12-month Share Certificate) $500.00 0.645% 0.65%
Rates Effective September 1, 2022

Choice Money Market Accounts

Dividend Earnings Tier Minimum Balance to Earn Dividends Nominal Dividend Rate Annual Percentage Yield (APY)
Tier 1 $2,000.00 – $9,999.99 0.499% 0.50%
Tier 2 $10,000.00 – $24,999.99 0.598% 0.60%
Tier 3 $25,000.00 – $49,999.99 0.698% 0.70%
Tier 4 $50,000.00 – $99,999.99 0.797% 0.80%
Tier 5 $100,000.00 - $249,999.99 0.896% 0.90%
Tier 6 $250,000.00 and up 0.995% 1.00%
Rates Effective September 1, 2022. There is not a minimum balance requirement to maintain a Money Market Account; however, to avoid the Minimum Balance Relationship Fee as listed on the Fee Schedule, the balance must not fall below $2,000 at any time during the calendar month. Fees may reduce earnings.

IRA Certificates

Prepare for retirement, and even take advantage of tax deductions.

Term Minimum Balance Dividend Rate Annual Percentage Yield (APY)
One Year $1,000.00 0.595% 0.60%
Two Year $1,000.00 0.695% 0.70%
Three Year $1,000.00 0.795% 0.80%
Four Year $1,000.00 0.995% 1.00%
Five Year $1,000.00 1.095% 1.10%
Seven Year $1,000.00 1.245% 1.25%
Rates Effective September 1, 2022

IRA Savings

Built to keep things simple so you can start investing now.

Type Minimum Balance Dividend Rate Annual Percentage Yield (APY)
IRA Regular Savings $50.00 0.095% 0.10%
Educational IRA (Coverdell) $50.00 0.095% 0.10%
Rates Effective September 1, 2022

Auto Loans

For auto loans on cars and trucks.

Term APR as low as*
up to 66 months 4.65% Apply Now
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $566.99 on a $30,000 loan with a 66-month term at 4.65%. Rates and terms available for vehicles with up to 175,000 miles. Rates and terms may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective September 21, 2022.

Vehicle Loans

For motorcycles, RVs, dirt bikes, ATVs, boats, and jet skis.

Term APR as low as*
up to 72 months 6.50% Apply Now
*APR means Annual Percentage Rate. Approximate loan payment and loan amount is $252.14 on a $15,000 loan with a 72-month term at 6.50%. Rates and term may vary based on credit worthiness and age of vehicle. Not all applicants will qualify for the lowest rate. Effective Sept. 21, 2022

Swap Your Loan

Transfer your auto or personal loan to Member One and you could save up to 2%* on your interest rate. Plus, you won’t have to make a payment for 90 days.

Term APR as low as**
up to 84 months 3.99% Apply Now
*APR means Annual Percentage Rate. Approximate loan payment at 3.99% is $409.92 on a $30,000 loan with an 84-month term. This is a deferred payment option. Interest charges still apply. Interest will begin to accrue at loan disbursement. Deferred payment options may not apply to all loan products. Discounts/savings based on your current rate at another institution. Any available discounts “up to 2%” may be applied to your current APR. Discounts may vary based on loan type and creditworthiness. Discounts are not applicable for home equity, mortgage, credit card loans, or existing Member One loans. Floor rate is 3.99%. Please call 800-666-8811 for a full list of restrictions that may apply. Not all applicants will qualify for the lowest rate. Programs, rates, terms, and conditions are subject to change without notice. **Loan must have 90 days of payment history on credit report. Terms will vary based on year of the vehicle. Effective September 21, 2022.