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Rates

Rates current as of July 22, 2024

Current Dividend Rates

In case of service costs, earnings could be reduced on the account. The dividend rate and service cost schedule may change at any time. Dividends are prospective.

APY*Min. Amount
.15%$5

$10 Monthly fee is waived with $1,000 minimum balance.

APY*Min. Amount
.30%$0.01 - $9,999.99
.45%$10,000 - $24,999.99
.65%$25,000 - $49,999.99
.90%$50,000 - $99,999.99
1.25%$100,000 - $249,999.99
1.60%$250,000 and over
APY***Min. Amount
.35%$3,000.00 - $7,499.99
.25%$7,500.00 - $9,999.99
APY*Min. Amount
.15%$5

$10 Monthly fee is waived with $1,000 minimum balance.

APY*Min. Amount
.30%$0.01 - $9,999.99
.45%$10,000 - $24,999.99
.65%$25,000 - $49,999.99
.90%$50,000 - $99,999.99
1.25%$100,000 - $249,999.99
1.60%$250,000 and over
APY**Min. Amount
.25%$2,500 - $49,999.99
.35%$50,000 - $99,999.99
.50%$100,000 and over

A penalty will be imposed for early withdrawal of all term share certificates.

MonthsAPY*Min. Amount
6 months4.45%
4.50%
4.55%
4.60%
$500
$10,000
$25,000
$50,000
7 Month Certificate Special5.05%
5.05%
5.05%
5.05%
$500
$10,000
$25,000
$50,000
1 year4.45%
4.50%
4.55%
4.60%
$500
$10,000
$25,000
$50,000
17 Month Certificate Special5.05%
5.05%
5.05%
5.05%
$500
$10,000
$25,000
$50,000
2 years3.70%
3.75%
3.80%
3.85%
$500
$10,000
$25,000
$50,000
3 years3.40%
3.45%
3.50%
3.55%
$500
$10,000
$25,000
$50,000
5 years 3.30%
3.35%
3.40%
3.45%
$500
$10,000
$25,000
$50,000

A penalty will be imposed for early withdrawal of all term share certificates.

TermAPY*Min. Amount
1 year4.65%
4.70%
4.75%
$500
$25,000
$50,000
17 Month CD Special5.05%
5.05%
5.05%
$500
$25,000
$50,000
2 years3.90%
3.95%
4.00%
$500
$25,000
$50,000
3 years3.60%
3.65%
3.70%
$500
$25,000
$50,000
5 years 3.50%
3.55%
3.60%
$500
$25,000
$50,000
IRA (Traditional & Roth), HSA & CESA Accumulation Accounts1.25%$50,000

Click here for more details and official rules.

TermAPY*Min. Amount
1 year4.40%$25

*APY = Annual Percentage Yield, which is an estimated annualized rate of return that considers both the dividend rate and frequency of  compounding. A minimum balance of $5 is required to earn dividends on Share Savings Accounts and Business Share Savings Accounts. Dividends are prospective. Dividends will begin to accrue on non-cash deposits on the business day you make the deposit to your account. In case of early withdrawal or service costs, earnings could be reduced. If you close your account before accrued dividends are credited, accrued dividends will not be paid. The rate, APY, and service cost schedule may change at any time without notice. Other investments are also available. Call (480) 756-5500 for more information.

**A minimum balance of $2,500 is required to earn dividends on Business Premier Checking Accounts.

***Earning dividends is an optional perk of the Sunshine Checking account. A choice must be made to receive the dividend add-on. There is a minimum Daily Balance required to earn the Annual Percentage Yield disclosed for the dividend period. If the minimum daily balance is not met each day of the dividend period, you will not earn the stated Annual Percentage Yield. You will only earn dividends for the days on which you meet the minimum daily balance in the Sunshine Checking. For balances incorporating more than one dividend rate tier, a single, blended Annual Percentage Yield will appear as earned on statement.

Current Loan Rates

Rates quoted reflect lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance.

Rates subject to change at anytime without notice.

Rates will vary with the market based on Prime Rate.

Loan Advance APR*
Introductory Offer**0.00%
Purchases15.15% - 25.15%
Balance Transfers, Cash Advances18.15% - 28.15%

Business Rewards Credit Card

Rates will vary with the market based on Prime Rate.

Loan Advance APR*
Introductory Offer**0.00%
Purchases15.15% - 25.15%
Balance Transfers, Cash Advances18.15% - 28.15%

Rates will vary with the market based on Prime Rate.

Loan Advance APR*
Purchases20.15%
Balance Transfers, Cash Advances23.15%

Step Forward Loan

$20 application fee

APR*TermMaximum Loan Amount
18.00%Up to 12 mos.$2,000
APR*TermAmount
9.90%36 mos.$500 - $30,000
11.90%72 mos.$2,500 - $30,000

5% floor, 3% above cert.; min. $500

APR*TermMin. Amount
6.00%Up to 60 mos.$500

Rates listed are lowest available for new auto loans based on MSRP; 2023 or newer; 730+ credit score, Max All-in LTV 135%

APR*Min. AmountTerm
6.54%$10,00063 mos.
7.09%$12,50075 mos.
7.44%$15,00084 mos.

Rates listed are lowest available for RV loans; 2022 or newer; lesser dealer invoice or retail

Add 1.00% to the 2022+ rate for model years 2014-2016

Minimum Loan Amounts by Term: $5k for up to 84 mos, $10k up to 120, $15k up to 144, $30k up to 180

APR*Loan-to-Value (LTV)
8.45%up to 105% LTV
8.95%up to 125% LTV

2023 and newer < 12,000 miles; dealer invoice, maximum loan amount $50,000

APR*Min. AmountTerm
8.35%up to 60 mos.
8.75%$15,00061-72 mos.
8.75%$20,00073-84 mos.

Scooters, ATVs, Jet Skis, Personal Watercraft, and Snowmobiles; 2023 or newer; MSRP, maximum loan amount $40,000

APR*Min. AmountTerm
8.75%up to 60 mos.
9.50%61-75 mos.
9.50%$20,00076-120 mos.

Rates listed are lowest available for used auto loans based on Kelley retail; 2014 – 2022;< 100,000 miles; 730+ credit score, Max All-in LTV 135%

APR*Min. AmountTerm
6.79%$10,00063 mos.
7.34%$12,50075 mos.
7.69%$15,00084 mos.

Rates listed are lowest available for used RV loans; 2017-2021; J.D. Power Average Wholesale

Add 1.00% to the 2022+ rate for model years 2014-2016

Minimum Loan Amounts by Term: $5k for up to 84 mos, $10k up to 120, $15k up to 144, $30k up to 180.

APR*Loan-to-Value (LTV)
8.70%up to 100% LTV
9.20%up to 120% LTV

2014-2022, < 75,000 miles; J.D. power Average Retail, maximum loan amount $40,000

APR*Min. AmountTerm
8.75%up to 60 mos.
9.00%$15,00061-72 mos.

Scooters, ATVs, Jet Skis, Personal Watercraft, and Snowmobiles; 2014-2022, J.D. Power Average Retail, maximum loan amount $30,000

APR*Min. AmountTerm
9.25%up to 60 mos.
9.75%61-75 mos.
9.75%$20,00076-120 mos.

Revolving; draw up to 10 yrs; $125,000/or over 75% LTV repay up to 15 yrs.; >$125,000 repay up to 20 yrs.; 4.5% floor; Max rate 18%

Loan-to-ValueAPR*Min. AmountTerm
75%8.50%$20,000Revolving, up to 20 yrs.

Fixed rate; <75% repay 2-15 yrs.

Loan-to-ValueAPR*Min. AmountTerm
75%7.50%$20,0002-15 yrs.

*APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rates will vary with the market based on Prime Rate. Rate subject to change without notice. Other loans are available. Call (480) 756-5500 for more information.