Competitive rates designed to help members keep more of what they earn — and move forward with confidence
Personal checking
SmartRate Checking
| Balance | Dividend | APY* |
|---|---|---|
| Up to $25,000 | 2.96% | 3.00% |
| $25,000 or more | 0.10% | 0.10% |
| Any balance if requirements are not met | 0.05% | 0.05% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. When requirements are met, APY for balances over $25,000 will vary based on the account balance and reflects a blended rate. Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. If account requirements are not met, all balances earn 0.05% APY. Requirements include enrollment in eStatements, at least 20 debit card transactions per cycle, and a direct deposit or ACH debit per cycle. Up to $25 in ATM fees will be refunded per month when requirements are met. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. |
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Preferred Checking
| Balance | Dividend | APY* |
|---|---|---|
| $10,000 or more | 0.05% | 0.05% |
| $2,500 or more | 0.05% | 0.05% |
| Up to $2,500 | 0.05% | 0.05% |
*APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. Balance requirements for each APY tier are outlined in the rate table. Each preferred checking account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. |
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Digital Best Checking
| Balance | Dividend | APY* |
|---|---|---|
| All balances | 0.00% | 0.00% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. A minimum deposit of $50.00 is required to open this account. This account does not include check-writing privileges; if checks are presented or ordered through an outside vendor, they will be returned. Access to Digital Banking may be subject to certain restrictions. Mobile banking and text alerts require enrollment. Allegacy does not charge for these services; however, standard message and data rates from your mobile carrier may apply. |
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Personal savings
Daily Access Savings
| Balance | Dividend | APY* |
|---|---|---|
| $25,000 or more | 0.10% | 0.10% |
| $10,000 or more | 0.10% | 0.10% |
| $5,000 or more | 0.10% | 0.10% |
| $2,500 or more | 0.10% | 0.10% |
| Up to $2,500 | 0.10% | 0.10% |
*APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.17.26. 0.30% APY applies to all balance tiers; specific balance requirements are outlined in the rate table. A $5 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. |
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Beginners Best Kids Savings
| Balance | Dividend | APY* |
|---|---|---|
| $25,000 or more | 0.30% | 0.30% |
| $10,000 or more | 0.30% | 0.30% |
| $5,000 or more | 0.30% | 0.30% |
| $2,500 or more | 0.30% | 0.30% |
| Up to $2,500 | 0.30% | 0.30% |
*APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.17.26. Balance requirements for APY tiers are outlined in the rate table. A $5 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. |
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AllHealth Wellness Savings
| Balance | Dividend | APY* |
|---|---|---|
| 0-3 YMCA visits | 0.10% | 0.10% |
| 4-7 YMCA visits | 0.75% | 0.75% |
| 8-11 YMCA visits | 0.85% | 0.85% |
| 12 YMCA visits | 1.05% | 1.05% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. All balances earn 0.10% APY. Dividends are earned at different rates based on the number of visits made to one of qualifying facilities, in the previous month, based on the data provided by the facility. Qualifying fitness facilities are defined as: (1) YMCA of Northwest North Carolina and (2) Leonard J. Kaplan Center for Wellness. Members can combine qualifying facilities on one account, however, only one visit per household per day and one account per household. All requirements must be met to earn highest dividends. Minimum balance required to open account and earn dividends is $5.00. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers. |
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Holiday Club Savings
| Balance | Dividend | APY* |
|---|---|---|
| $100,000 or more | 0.35% | 0.35% |
| $2,000 or more | 0.35% | 0.35% |
| Up to $2,000 | 0.30% | 0.30% |
APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 0.30% APY applies to balances up to $2,000. 0.35% APY applies to balances of $2,000 or more and $100,000 or more. A $10 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. |
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Vacation Club Savings
| Balance | Dividend | APY* |
|---|---|---|
| $100,000 or more | 0.35% | 0.35% |
| $2,000 or more | 0.35% | 0.35% |
| Up to $2,000 | 0.30% | 0.30% |
APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 0.30% APY applies to balances up to $2,000. 0.35% APY applies to balances of $2,000 or more and $100,000 or more. A $10 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. |
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Retail Money Market Account
| Balance | Dividend | APY* |
|---|---|---|
| $100,000.00 or more | 1.98% | 2.00% |
| $50,000.00 to $99,999.99 | 1.88% | 1.90% |
| $25,000.00 to $49,999.99 | 1.79% | 1.80% |
| $2,500.00 to $24,999.99 | 1.49% | 1.50% |
| Up to $2,499.99 | 1.49% | 1.50% |
APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. 1.50% APY applies to balances up to $24,999.99, 1.80% APY applies to balances of $25,000 to $49,999.99, 1.90% APY applies to balances of $50,000 to $99,999.99, and 2.00% APY applies to balances of $100,000 or more. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. |
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High Tier Money Market Account
| Balance | Dividend | APY* |
|---|---|---|
| $500,000.00 or more | 2.96% | 3.00% |
| $250,000.00 to $499,999.99 | 2.47% | 2.50% |
| $100,000.00 to $249,999.99 | 1.98% | 2.00% |
| Up to $99,999.99 | 0.05% | 0.05% |
* APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. 0.05% APY applies to balances up to $99,999.99, 2.00% APY applies to balances of $100,000 to $249,999.99, 2.50% APY applies to balances of $250,000 to $499,999.99, and 3.00% APY applies to balances of $500,000 or more. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. |
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Feature Money Market Account
| Balance | Dividend | APY* |
|---|---|---|
| Up to $250,000.00 | 3.397% | 3.45% |
| Over $250,000.00 | 0.150% | 0.15% |
* APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 3.45% APY applies to balances up to $250,000.00, and 0.15% APY applies to balances over $250,000.00. Additional balance requirements and APY tiers are outlined in the rate table. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.
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Certificates
| Term | Balance | Dividend | APY* |
|---|---|---|---|
| 14 Month Certificate | $500.00 - $500,000.00 | 3.78% | 3.85% |
| 7 Month Early Withdrawal | $500.00 - $1,000,000.00 | 3.39% | 3.45% |
| 3 Month | $500.00 - $250,000.00 | 2.27% - 2.47% | 2.30% - 2.50% |
| 6 Month | $500.00 - $250,000.00 | 2.32% - 2.52% | 2.35% - 2.55% |
| 9 Month | $500.00 - $250,000.00 | 2.42% - 2.57% | 2.45% - 2.60% |
| 12 Month | $500.00 - $250,000.00 | 3.10% - 3.30% | 3.15% - 3.35% |
| 18 Month | $500.00 - $250,000.00 | 3.01% - 3.20% | 3.05% - 3.25% |
| 2 Year | $500.00 - $250,000.00 | 3.01% - 3.20% | 3.05% - 3.25% |
| 3 Year | $500.00 - $250,000.00 | 2.57% - 2.76% | 2.60% - 2.80% |
| 4 Year | $500.00 - $250,000.00 | 2.57% - 2.76% | 2.60% - 2.80% |
| 5 Year | $500.00 - $250,000.00 | 2.57% - 2.76% | 2.60% - 2.80% |
| Mortgage Saver (5 yr) | $50.00 - $50,000.00 | 2.91% | 2.95% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Rate is effective as of 02.17.26. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum opening deposit for regular certificates. Please use the Secure Form in Digital Banking to open a regular certificate or contact Member Services at 336.774.3400 / 800.782.4670. Certificate rates available only for consumer accounts. For institutional rate inquiries or rates on our business products, please visit a Financial Center or contact Member Services at 336.774.3400 / 800.782.4670. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. |
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Online 24 Month Certificate
| Balance | Dividend | APY* |
|---|---|---|
| $1,000.00 - $250,000.00 | 3.198% | 3.25% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Rate is effective as of 02.17.26. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $1,000 minimum opening deposit for regular certificates. Certificate rates available only for consumer accounts. For institutional rate inquiries or rates on our business products, please visit a Financial Center or contact Member Services at 336.774.3400 / 800.782.4670. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. |
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IRA Certificate
| Term | Balance | Dividend | APY* |
|---|---|---|---|
| 14 month Certificate | $500.00 - $500,000.00 | 3.87% | 3.95% |
| 3 Month | $500.00 - $250,000.00 | 2.37% - 2.57% | 2.40% - 2.60% |
| 6 Month | $500.00 - $250,000.00 | 2.42% - 2.62% | 2.45% - 2.65% |
| 9 Month | $500.00 - $250,000.00 | 2.52% - 2.66% | 2.55% - 2.70% |
| 12 Month | $500.00 - $250,000.00 | 3.20% - 3.39% | 3.25% - 3.45% |
| 18 Month | $500.00 - $250,000.00 | 3.10% - 3.30% | 3.15% - 3.35% |
| 2 Year | $500.00 - $250,000.00 | 3.10% - 3.30% | 3.15% - 3.35% |
| 3 Year | $500.00 - $250,000.00 | 2.66% - 2.86% | 2.70% - 2.90% |
| 4 Year | $500.00 - $250,000.00 | 2.66% - 2.86% | 2.70% - 2.90% |
| 5 Year | $500.00 - $250,000.00 | 2.66% - 2.86% | 2.70% - 2.90% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum deposit for IRA certificates. |
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IRAs
| Balance | Dividend | APY* |
|---|---|---|
| Daily balance of $25,000 or more | 0.15% | 0.15% |
| Daily balance of $10,000 or more | 0.15% | 0.15% |
| Daily balance of $5,000 or more | 0.15% | 0.15% |
| Daily balance of $2,500 or more | 0.15% | 0.15% |
| Daily balance up to $2,500 | 0.15% | 0.15% |
*APY = Annual Percentage Yield. Rates are variable and subject to change. ‡APY = Annual Percentage Yield. Limit of one account per member. Effective date 02.01.26. Dividends are segmented according to account balance. First $250,000.00 per account will earn 3.45% APY (dividend rate 3.397%). Portion of balance above $250,000.00 will earn 0.15% APY (dividend rate 0.150%). A balance of $500,000.00 would result in a blended APY of approximately 1.90%. Fees may reduce earnings. Terms and conditions apply. Minimum opening deposit $50.00. No minimum balance is required to earn dividends. Rates and offer are subject to change at any time and without notice. Limit one account per member. Business and non-profit accounts must be opened in a Financial Center. Federally insured by NCUA. |
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Home loans
Fixed-Rate Mortgage
| Program | Rate | Points | APR* | Payments |
|---|---|---|---|---|
| 30 Year Fixed (Conforming-Purchase) | 6.500% | 6.600% | $1,896.20 | |
| 15 Year Fixed (Conforming-Purchase) | 6.000% | 6.174% | $2,531.57 | |
* APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 05/06/2026 at 12:30 PM (EST). Mortgage rates are based upon a variety of assumptions and conditions. The credit score used in this estimate may be higher or lower than your personal credit score. A loan’s interest rate will depend upon specific characteristics of the loan and the borrower’s credit history through the time of closing. For example, a 30 year fixed rate term for a loan amount of $300,000, the interest rate of 6.500%, with an APR of 6.600%, would result in an estimated monthly principal and interest payment of $1,896.20. This example does not include taxes, insurance, or escrow amounts; your actual payment obligation may be greater. |
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Adjustable-Rate Mortgage
| Program | Initial Rate | Points | Initial APR | Initial Payment | Adjusted Rate (After 1st Adj.) | Adjusted APR | Adjusted Payment |
|---|---|---|---|---|---|---|---|
| 5/1 ARM (Conforming 30-year term) | 6.000% | 6.248% | $1,798.65 | 6.25% | 6.25% | $1,836 | |
| 7/1 ARM (Conforming 30-year term) | 6.250% | 6.348% | $1,847.15 | 6.25% | 6.25% | $1,839 | |
| 10/1 ARM (Conforming 30-year term) | 6.000% | 6.181% | $1,798.65 | 6.25% | 6.25% | $1,839 | |
| 10/1 ARM Medical Professional (Conforming 30-year term) | 5.875% | 6.099% | $1,774.61 | 6.25% | 6.25% | $1,829 | |
| 10/1 ARM Higher Educator (Conforming 30-year term) | 5.875% | 6.099% | $1,774.61 | 6.25% | 6.25% | $1,829 | |
| 7/1 ARM (Jumbo 30-year term) | 6.500% | 6.431% | $5,263.86 | 6.25% | 6.25% | $5,128 | |
| 10/1 ARM (Jumbo 30-year term) | 6.250% | 6.301% | $5,127.69 | 6.25% | 6.25% | $5,128 | |
| 10/1 ARM Medical Professional (Jumbo 30-year term) | 6.125% | 6.218% | $5,060.18 | 6.25% | 6.25% | $5,149 | |
| 10/1 ARM Higher Educator (Jumbo 30-year term) | 6.125% | 6.218% | $5,060.18 | 6.25% | 6.25% | $5,149 | |
*APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 05/06/2026 at 12:30 PM (EST). ARM loans are variable rate loans; interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease annually according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rates displayed are based on the current index plus margin (fully indexed rate) as of May 06, 2026. For example, a 5/1 ARM with a 30-year term for a loan amount of $300,000, the initial interest rate of 6.000%, with an APR of 6.248%, would have an estimated monthly principal and interest payment of $1,798.65 during the initial fixed-rate period (years 1–5) and for years 6-30, monthly payments would be $1,836 (based on the current Index plus Margin). This example does not include mortgage insurance premiums, taxes, insurance, or escrow amounts; your actual payment obligation may be greater. |
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VA Mortgage
| Program | Rate | Points | APR* | Payment |
|---|---|---|---|---|
| VA 30 Year (VA) | 6.375% | 6.459% | $2,339.51 | |
*APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 05/06/2026 at 12:30 PM (EST). Mortgage rates are based upon a variety of assumptions and conditions. The credit score used in this estimate may be higher or lower than your personal credit score. A loan’s interest rate will depend upon specific characteristics of the loan and the borrower’s credit history through the time of closing. For example, a VA loan with 30 year term for a loan amount of $300,000, the internet rate of 6.375%, with an APR of 6.459% would result in an estimated monthly principal and interest payment of $2,339.51. This example does not include taxes, insurance, or escrow amounts; your actual payment obligation may be greater. |
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FHA Mortgage
| Program | Rate | Points | APR* | Payment |
|---|---|---|---|---|
| FHA 30 Year (FHA) | 6.125% | 6.209% | $2,198.79 | |
*APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 05/06/2026 at 12:30 PM (EST). Mortgage rates are based upon a variety of assumptions and conditions. The credit score used in this estimate may be higher or lower than your personal credit score. A loan’s interest rate will depend upon specific characteristics of the loan and the borrower’s credit history through the time of closing. For example, an FHA loan with 30 year term for a loan amount of $300,000, the interest rate of 6.125%, with an APR of 6.125%, would result in an estimated monthly principal and interest payment of $2,198.79. This example does not include mortgage insurance premiums, taxes, insurance, or escrow amounts; your actual payment obligation may be greater. |
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Mortgage Eliminator Loan
| Balance | APR* |
|---|---|
| Primary Residence up to $1,000,000** | as low as 5.30% |
| Secondary Residence up to $1,000,000** | as low as 5.40% |
*APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 4/16/2026 at 1:00 PM (EST). Mortgage rates are based on a variety of assumptions and conditions. A loan’s interest rate will depend on specific characteristics of the loan and the borrower’s credit history through the time of closing. Mortgage Eliminator Loans offer a fixed interest rate and fixed monthly payment over a shorter loan term. For example, a Mortgage Eliminator Loan for $100,000 financed for 180 months with an APR of 5.40% would result in an estimated monthly payment of $812.04. Monthly payments do not include taxes, insurance, or flood insurance, if applicable, and the actual payment obligation will be greater. Mortgage Eliminator Loans are available for primary or secondary residences in CA, CT, DE, DC, FL, GA, IL, IN, MD, NJ, NY, NC, PA, SC, VA, and WV. All loans are subject to credit approval. Rates, terms, and products are subject to change. All Allegacy real estate secured loans are subject to legal requirements in the member’s state of primary residence. Closing costs may apply and can include fees such as property title search, flood certification, and appraisal, if required. Qualifying states may pay little to no closing costs. Membership eligibility required. Federally insured by NCUA. Equal Housing Lender. |
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Flex Loan + Line of Credit
| Balance | APR* |
|---|---|
| Primary Residence up to $350,000** | as low as Prime - 0.25% |
*APR=Annual Percentage Rate. Rates are based on as low as the Prime Rate minus 0.25%. Maximum rate for HELOC is 18% and the lowest could never be below the floor rate of 4.99% as of 4/14/2025. Rate is also affected by your credit history and profile and, like terms, are subject to change without notice. For FlexLoan segments, which can be exercised up to 5 times, a portion of your balance will have a fixed rate. Minimum amount for each option is $5,000. The FlexLoan Line of Credit is a variable rate with a 15-year draw period. The total maximum line of credit amount for the loan is $350,000 up to 100% LTV on primary residence. For the fixed rate option, if you took no other credit advances it would take 10 years to pay off a credit advance of $10,000 at 7.74% APR. During that period, you would make 119 payments of $120.00 and one (1) final payment of $119.52. Member can obtain credit advances up to 15 years (the draw period). After the draw period ends, the loan is setup on a repayment schedule not to exceed 15 years. During the draw period, the payment is equal to the finance charge (interest) that accrued on the outstanding balance during the preceding month. Appraisals are required on loan amounts greater than $100,000. There is no annual fee, activity charge or prepayment penalty fee. Allegacy will pay up to $500 towards the closing costs. Homeowner’s insurance and, if applicable, flood insurance is required. Interest may be tax deductible; consult tax advisor for details. |
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Interest-Only Home Equity Line of Credit
| Balance | APR* |
|---|---|
| Primary Residence up to $350,000** | as low as Prime + 0.50%*** |
*APR=Annual Percentage Rate. Interest-Only Line of Credit – Rates as low as Prime + 0.50%. Prime Rate as published in The Wall Street Journal and adjusted quarterly for equity. The maximum rate is 18.00% and the lowest could never be below the floor rate of 4.99%. Rates last updated on 4/14/2025. Rate is also affected by your credit history and profile and, like terms, are subject to change without notice. Member can obtain credit advances up to 15 years (the draw period). After the draw period ends, the loan is setup on a repayment schedule not to exceed 15 years. During the draw period, the payment is equal to the finance charge (interest) that accrued on the outstanding balance during the preceding month. The total maximum line of credit amount for the loan is $350,000 up to 90% LTV on primary residence. Appraisals are required on loan amounts greater than $100,000. There is no annual fee, activity charge or prepayment penalty fee. Allegacy will pay up to $500 towards the closing costs. Homeowner’s insurance and, if applicable, flood insurance is required. Interest may be tax deductible; consult tax advisor for details. |
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Ready to apply? Meet our mortgage loan specialists
Our Mortgage Loan Advisors will begin by evaluating the big picture before offering a personal solution designed to fit your lifestyle. To apply for a loan, please select one of the advisors below and they will help support you throughout the process.
Vehicle loans
New Car Loan
| Loan type | Payroll Deduction or Automatic Draft APR* | Non-Payroll Deduction APR* |
|---|---|---|
| New Vehicle (Term: 1-66 Months)** | as low as 4.69% | as low as 5.19% |
| New Vehicle (Term: 67-75 Months)** | as low as 5.20% | as low as 5.70% |
| New Vehicle (Term: 76-84 Months)** | as low as 5.35% | as low as 5.85% |
*APR = Annual Percentage Rate. A new auto with a loan amount of $25,180, at an interest rate of 5.20%, for 66 months, would have a payment of $407.86 **Up to 100% of Purchase Price not to exceed 10% over the Manufacturer’s Suggested Retail Price (MSRP). Loan Rates subject to determination of creditworthiness. |
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Used Car Loan
| Loan type | Payroll Deduction or Automatic Draft APR* | Non-Payroll Deduction APR* |
|---|---|---|
| Used Vehicle (Term: 1-60 Months)** | as low as 4.69% | as low as 5.19% |
| Used Vehicle (Term: 61-66 Months)** | as low as 5.20% | as low as 5.70% |
| Used Vehicle (Term: 67-75 Months)** | as low as 5.35% | as low as 5.85% |
*APR = Annual Percentage Rate. A new auto with a loan amount of $22,680, at an interest rate of 5.20%, for 66 months, would have a payment of $395.85. **Up to 100% of Purchase Price not to exceed 10% over the Manufacturer’s Suggested Retail Price (MSRP). Loan Rates subject to determination of creditworthiness. NADA retail value (based on creditworthiness), 90% of List Price if automobile does not appear in NADA Guide. Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles. Loan Rates subject to determination of creditworthiness. |
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Extended Mileage Car Loan
| Loan type | Payroll Deduction or Automatic Draft APR* | Non-Payroll Deduction APR* |
|---|---|---|
| Extended Mileage (Term: 1-48 Months)** | as low as 6.94% | as low as 7.44% |
| Extended Mileage (Term: 49-60 Months)** | as low as 7.14% | as low as 7.64% |
APR = Annual Percentage Rate. A used auto with a loan amount of $20,075 at an interest rate of 7.14%, for 60 months, would have a payment of $398.84 **Up to 100% of Purchase Price not to exceed 10% over the Manufacturer’s Suggested Retail Price (MSRP). Loan Rates subject to determination of creditworthiness. Loan Rates subject to determination of creditworthiness. Up to NADA retail value (based on creditworthiness). Maximum age of vehicle: 10 years old. Maximum mileage can exceed 100,000 miles. Maximum length of loan subject to loan amount: $10,000+ up to 5 years; $5,000+ up to 4 years; and less than $5,000 up to 3 years. |
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Motorcycle Loan
| Loan type | Payroll deduction or automatic draft APR* | Non-payroll deducation APR* |
|---|---|---|
| Term: 60 Months** | as low as 7.75% | as low as 8.25% |
*APR = Annual Percentage Rate. For example, a Motorcycle Loan with a term of 5 years for a loan amount of $11,885 with an interest rate of 7.75% would be $239.57. **New – Up to 90% of purchase price not to exceed 10% over MSRP. Used – Up to 90% of NADA loan value. |
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Recreational Vehicle Loan
| Loan type | Payroll deduction or automatic draft APR* | Non-payroll deducation APR* |
|---|---|---|
| New Trailer/Tractors | 10.00% | 10.50% |
| New Boats and Motor Homes | 10.00% | 10.50% |
| Used Boat/Trailer/Tractors | 11.00% | 11.50% |
*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan. |
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Personal loans
Student Loan
| Loan type | Payroll deduction or automatic draft APR* | Non-payroll deducation APR* |
|---|---|---|
| College | as low as 7.50%* | as low as 7.50%* |
| Student | as low as 9.75% | as low as 9.75% |
| Computer Loan | as low as 6.00% | as low as 6.50% |
*Rate subject to change annually on August 1st of each year. APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan. |
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Consolidation + Share Loan
| Loan type | Payroll deduction or automatic draft APR* | Non-payroll deducation APR* |
|---|---|---|
| Consolidation Loan | as low as 8.99% | as low as 9.49% |
| Share Loan | 5.75% | 6.25% |
*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.
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Installment Loan
| Loan type | Payroll deduction or automatic draft APR* | Non-payroll deducation APR* |
|---|---|---|
| Lifestyle Loan | 9.85% | 9.85% |
| Comaker | 14.00% | 14.50% |
| Unsecured** | as low as 14.25% | as low as 14.75% |
*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan. **Up to 100% of Purchase Price not to exceed 10% over the Manufacturer’s Suggested Retail Price (MSRP) |
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Line of Credit Options
| Loan type | Payroll deduction or automatic draft APR* | Non-payroll deducation APR* |
|---|---|---|
| Unsecured | 11.50% | 12.00% |
| Share Secured | 5.25% | 5.75% |
| Overdraft Protection | 11.00% | 11.00% |
Single Payment Options
| Loan type | Payroll deduction or automatic draft APR* | Non-payroll deducation APR* |
|---|---|---|
| Unsecured Loan | 13.50% | 13.50% |
*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan. |
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Business
Business Money Market Account
| Balance | Dividend | APY* |
|---|---|---|
| Daily balance to $9,999.99 | 1.49% | 1.50% |
| Daily balance $10,000.00 to $49,999.99 | 1.79% | 1.80% |
| Daily balance $50,000.00 to $99,999.99 | 1.88% | 1.90% |
| Daily balance $100,000.00 to $249,999.99 | 1.98% | 2.00% |
| Daily balance $250,000.00 | 2.08% | 2.10% |
*APY=Annual Percentage Yield. Business Money Market Account balance less than $10,000.00 earn base rate of 1.50% APY. Available to new and existing members. Some transfers/withdrawals limitations may apply. Fees may reduce earnings. Rate, terms, products are subject to change without notice. |
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Business High Tier Money Market Account
| Balance | Dividend | APY* |
|---|---|---|
| Daily balance to $99,999.99 | 0.05% | 0.05% |
| Daily balance $100,000.00 to $249,999.99 | 1.98% | 2.00% |
| Daily balance $250,000.00 to $499,999.99 | 2.47% | 2.50% |
| Daily balance $500,000.00 | 2.96% | 3.00% |
*APY=Annual Percentage Yield. Balances less than $100,000.00 earn base rate of 0.05% APY. Available to new and existing members. Some transfers/withdrawals limitations may apply. Fees may reduce earnings. Rate, terms, products are subject to change without notice. For more rates on our business banking products, please visit your local Financial Center or call Member Services at 336.774.3400 / 800.782.4670.
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