Rates

Feature Money Market

4.00^%

APY‡

Digital Best Checking

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change.
Balance All balances	Dividend 0.00%	APY* 0.00%

Learn more about Digital Best Checking »

SmartRate Checking

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. See SmartRate Checking deposit rate schedule.
Balance Up to $25,000	Dividend 2.96%	APY* 3.00%
Balance $25,000 or more	Dividend 0.10%	APY* 0.10%
Balance Any balance if requirements are not met	Dividend 0.05%	APY* 0.05%

Learn more about SmartRate Checking »

Preferred Checking

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. See Allegacy Preferred Checking deposit rate schedule.
Balance $10,000 or more	Dividend 0.05%	APY* 0.05%
Balance $2,500 or more	Dividend 0.05%	APY* 0.05%
Balance Up to $2,500	Dividend 0.05%	APY* 0.05%

Learn more about Preferred Checking »

Daily Access Savings

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.
Balance $25,000 or more	Dividend 0.15%	APY* 0.15%
Balance $10,000 or more	Dividend 0.15%	APY* 0.15%
Balance $5,000 or more	Dividend 0.15%	APY* 0.15%
Balance $2,500 or more	Dividend 0.15%	APY* 0.15%
Balance Up to $2,500	Dividend 0.15%	APY* 0.15%

Learn more about Daily Access Savings »

Beginners Best Kids Savings

Balance	Dividend	APY*
APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure*.
Balance $25,000 or more	Dividend 0.35%	APY* 0.35%
Balance $10,000 or more	Dividend 0.35%	APY* 0.35%
Balance $5,000 or more	Dividend 0.35%	APY* 0.35%
Balance $2,500 or more	Dividend 0.35%	APY* 0.35%
Balance Up to $2,500	Dividend 0.35%	APY* 0.35%

Learn more about Beginners Best Kids Savings »

AllHealth Wellness Savings

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure. All balances earn 0.20% 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. See deposit rate schedule.
Balance 0-3 YMCA visits	Dividend 0.20%	APY* 0.20%
Balance 4-7 YMCA visits	Dividend 0.85%	APY* 0.85%
Balance 8-11 YMCA visits	Dividend 0.95%	APY* 0.95%
Balance 12 YMCA visits	Dividend 1.15%	APY* 1.15%

Learn more about AllHealth Wellness Savings »

Health Savings Account (HSA)

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.
Balance $25,000 or more	Dividend 0.20%	APY* 0.20%
Balance $10,000 or more	Dividend 0.15%	APY* 0.15%
Balance $5,000 or more	Dividend 0.15%	APY* 0.15%
Balance $2,500 or more	Dividend 0.05%	APY* 0.05%
Balance Up to $2,500	Dividend 0.05%	APY* 0.05%

Learn more about Health Savings Account (HSA) »

Holiday Club Savings

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.
Balance $100,000 or more	Dividend 0.35%	APY* 0.35%
Balance $2,000 or more	Dividend 0.35%	APY* 0.35%
Balance Up to $2,000	Dividend 0.30%	APY* 0.30%

Learn more about Club Savings Accounts (Holiday and Vacation) »

Vacation Club Savings

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.
Balance $100,000 or more	Dividend 0.35%	APY* 0.35%
Balance $2,000 or more	Dividend 0.35%	APY* 0.35%
Balance Up to $2,000	Dividend 0.30%	APY* 0.30%

Learn more about Club Savings Accounts (Holiday and Vacation) »

Retail Money Market Account

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.
Balance $100,000.00 or more	Dividend 1.98%	APY* 2.00%
Balance $50,000.00 to $99,999.99	Dividend 1.88%	APY* 1.90%
Balance $25,000.00 to $49,999.99	Dividend 1.79%	APY* 1.80%
Balance $2,500.00 to $24,999.99	Dividend 1.49%	APY* 1.50%
Balance Up to $2,499.99	Dividend 1.49%	APY* 1.50%

Learn more about Retail Money Market Accounts »

High Tier Money Market Account

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.
Balance $500,000.00 or more	Dividend 2.28%	APY* 2.30%
Balance $250,000.00 to $499,999.99	Dividend 2.13%	APY* 2.15%
Balance $100,000.00 to $249,999.99	Dividend 1.98%	APY* 2.00%
Balance Up to $99,999.99	Dividend 0.05%	APY* 0.05%

Learn more about High Tier Money Market Accounts »

Certificates

Term	Balance	Dividend	APY*
APY = Annual Percentage Yield. Rate is effective as of 11.25.24. 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 WebBanking 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.*
Term 8 Month Special - New Funds	Balance $500.00 - $500,000.00	Dividend 4.641%	APY* 4.75%
Term 7 Month Early Withdrawal Special	Balance $500.00 - $1,000,000.00	Dividend 3.922%	APY* 4.00%
Term 14 Month Special	Balance $500.00 - $1,000,000.00	Dividend 3.682%	APY* 3.75%
Term 3 Month	Balance $500.00 - $250,000.00	Dividend 2.32% - 2.47%	APY* 2.35% - 2.50%
Term 6 Month	Balance $500.00 - $250,000.00	Dividend 2.71% - 2.86%	APY* 2.75% - 2.90%
Term 9 Month	Balance $500.00 - $250,000.00	Dividend 2.42% - 2.57%	APY* 2.45% - 2.60%
Term 12 Month	Balance $500.00 - $250,000.00	Dividend 3.30% - 3.49%	APY* 3.35% - 3.55%
Term 18 Month	Balance $500.00 - $250,000.00	Dividend 2.96% - 2.96%	APY* 3.00% - 3.00%
Term 2 Year	Balance $500.00 - $250,000.00	Dividend 2.96% - 2.96%	APY* 3.00% - 3.00%
Term 3 Year	Balance $500.00 - $250,000.00	Dividend 2.96% - 2.96%	APY* 3.00% - 3.00%
Term 4 Year	Balance $500.00 - $250,000.00	Dividend 2.96% - 2.96%	APY* 3.00% - 3.00%
Term 5 Year	Balance $500.00 - $250,000.00	Dividend 2.96% - 2.96%	APY* 3.00% - 3.00%
Term Mortgage Saver (5 yr)	Balance $50.00 - $50,000.00	Dividend 2.91%	APY* 2.95%

Online 24 Month Certificate

Balance	Dividend	APY
Balance $1,000.00 - $250,000.00	Dividend 3.489%	APY 3.55%

See detailed rates tables for Certificates »
Learn more about Certificates »
Learn more about the Mortgage Saver Certificate »

IRA Certificates

Term	Balance	Dividend Rate	APY*
APY = Annual Percentage Yield. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum deposit for IRA certificates.*
Term 8 Month Special - New Funds	Balance $500.00 - $500,000.00	Dividend Rate 4.641%	APY* 4.75%
Term 7 Month Early Withdrawal Special	Balance $500.00 - $1,000,000.00	Dividend Rate 3.922%	APY* 4.00%
Term 14 Month Special	Balance $500.00 - $1,000,000.00	Dividend Rate 3.682%	APY* 3.75%
Term 3 Month	Balance $500.00 - $250,000.00	Dividend Rate 2.42% - 2.57%	APY* 2.45% - 2.60%
Term 6 Month	Balance $500.00 - $250,000.00	Dividend Rate 2.81% - 2.96%	APY* 2.85% - 3.00%
Term 9 Month	Balance $500.00 - $250,000.00	Dividend Rate 2.52% - 2.66%	APY* 2.55% - 2.70%
Term 12 Month	Balance $500.00 - $250,000.00	Dividend Rate 3.39% - 3.59%	APY* 3.45% - 3.65%
Term 18 Month	Balance $500.00 - $250,000.00	Dividend Rate 3.05% - 3.05%	APY* 3.10% - 3.10%
Term 2 Year	Balance $500.00 - $250,000.00	Dividend Rate 3.05% - 3.05%	APY* 3.10% - 3.10%
Term 3 Year	Balance $500.00 - $250,000.00	Dividend Rate 3.05% - 3.05%	APY* 3.10% - 3.10%
Term 4 Year	Balance $500.00 - $250,000.00	Dividend Rate 3.05% - 3.05%	APY* 3.10% - 3.10%
Term 5 Year	Balance $500.00 - $250,000.00	Dividend Rate 3.05% - 3.05%	APY* 3.10% - 3.10%

See detailed rates tables for IRA Certificates »

IRAs

Balance	Dividend	APY*
*APY = Annual Percentage Yield. Rates are variable and subject to change. View Truth in Savings Disclosure.
Balance Daily balance of $25,000 or more	Dividend 0.15%	APY* 0.15%
Balance Daily balance of $10,000 or more	Dividend 0.15%	APY* 0.15%
Balance Daily balance of $5,000 or more	Dividend 0.15%	APY* 0.15%
Balance Daily balance of $2,500 or more	Dividend 0.15%	APY* 0.15%
Balance Daily balance up to $2,500	Dividend 0.15%	APY* 0.15%

Learn more about IRAs »

Fixed Mortgage Rates

Program	Rate	APR*
APR = Annual Percentage Rate. Rates are subject to change without notice.* Rates last updated on 12/06/2024 at 12:01pm (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 credit history through the time of closing.
Program 30 Year Fixed (Conforming-Purchase)	Rate 6.875%	APR* 6.982%
Program 15 Year Fixed (Conforming-Purchase)	Rate 6.375%	APR* 6.544%
Program 30 Year Fixed (Jumbo)	Rate Call for Rate Quote.	APR*

Learn more about Fixed-Rate Mortgage Loans »
See Mortgage Loan payment examples »

Adjustable Mortgage Rates

Program	Rate	APR*
APR = Annual Percentage Rate. Rates are subject to change without notice.* Rates last updated on 12/06/2024 at 12:01pm (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 credit history through the time of closing.
Program 5/1 ARM (Conforming-30 year term)	Rate 6.125%	APR* 6.899%
Program 7/1 ARM (Conforming-30 year term)	Rate 6.250%	APR* 6.653%
Program 10/1 ARM (Conforming-30 year term)	Rate 6.250%	APR* 6.562%
Program 10/1 ARM (Conforming-30 year term) Medical Professional Program	Rate 6.125%	APR* 6.479%
Program 10/1 ARM (Conforming 30 year term) Higher Educator Program	Rate 6.125%	APR* 6.479%
Program 7/1 ARM (Jumbo-30 year term)	Rate 6.500%	APR* 6.728%
Program 10/1 ARM (Jumbo-30 year term)	Rate 6.500%	APR* 6.684%
Program 10/1 ARM (Jumbo-30 year term) Medical Professional Program	Rate 6.375%	APR* 6.601%
Program 10/1 ARM (Jumbo 30 year term) Higher Educator Program	Rate 6.375%	APR* 6.601%

Learn more about Adjustable-Rate Mortgage Loans »

VA Mortgage Rates

Program	Rate	APR*
APR = Annual Percentage Rate. Rates are subject to change without notice.* Rates last updated on 12/06/2024 at 12:01pm (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 credit history through the time of closing.
Program VA 30 Year (VA)	Rate 7.000%	APR* 7.093%

Learn more about VA Loans »

FHA Mortgage Rates

Program	Rate	APR*
APR = Annual Percentage Rate. Rates are subject to change without notice.* Rates last updated on 12/06/2024 at 12:01pm (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 credit history through the time of closing.
Program FHA 30 Year (FHA)	Rate 7.000%	APR* 7.095%

Learn more about FHA Loans »

Mortgage Eliminator Loan

Balance	APR*
APR = Annual Percentage Rate. *All Allegacy real estate secured loans are subject to legal requirements in the member’s state of primary residence. Mortgage Eliminator Loans for primary or secondary residence with terms of 7, 8, 9, 10, 12, or 15 years. Mortgage Eliminator Loans are available in California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Maryland, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Virginia, and West Virginia. For example, a $100,000 loan financed for 120 months at 5.85% APR would result in an approximately monthly payment of $1,102.69. Appraisals are required on loan amounts greater than $100,000 for primary residence. Appraisals are required on any loan amounts for secondary residence.
Balance Primary Residence up to $750,000**	APR* as low as 5.85%
Balance Secondary Residence up to $750,000**	APR* as low as 6.33%

Balance

APR*

*APR = Annual Percentage Rate.

**All Allegacy real estate secured loans are subject to legal requirements in the member’s state of primary residence. Mortgage Eliminator Loans for primary or secondary residence with terms of 7, 8, 9, 10, 12, or 15 years. Mortgage Eliminator Loans are available in California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Maryland, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Virginia, and West Virginia. For example, a $100,000 loan financed for 120 months at 5.85% APR would result in an approximately monthly payment of $1,102.69. Appraisals are required on loan amounts greater than $100,000 for primary residence. Appraisals are required on any loan amounts for secondary residence.

Balance

Primary Residence up to $750,000**

APR*

as low as 5.85%

Balance

Secondary Residence up to $750,000**

APR*

as low as 6.33%

Learn more about Mortgage Eliminator Loan »

Home Equity Line of Credit

Balance	APR*
APR = Annual Percentage Rate. All Allegacy real estate secured loans are subject to legal requirements in the member’s state of primary residence. Equity Lines of Credit are available in the following states: California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Maryland, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Virginia and West Virginia. Appraisals are required on loan amounts greater than $100,000 for primary residence. Appraisals are required on any loan amounts for secondary residence. Rate can never be below the floor rate (Floor Rate is 4% as of 2/28/2009). Annual Percentage Rate is subject to change during the term of the loan. Prime Rate as published in The Wall Street Journal and adjusted quarterly for equity. Maximum rate for Home Equity Lines of Credit is 18.00%. *Home equity lines of credit are not available on secondary residences used as rental property. Secondary residences include beach, mountain, or lake homes used only by the property owner.
Balance Primary Residence up to $350,000**	APR* as low as Prime - 0.25%***
Balance Secondary Residence** up to $100,000	APR* as low as Prime + 0.25%***

Balance

APR*

*APR = Annual Percentage Rate. All Allegacy real estate secured loans are subject to legal requirements in the member’s state of primary residence. Equity Lines of Credit are available in the following states: California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Maryland, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Virginia and West Virginia. Appraisals are required on loan amounts greater than $100,000 for primary residence. Appraisals are required on any loan amounts for secondary residence.

**Rate can never be below the floor rate (Floor Rate is 4% as of 2/28/2009). Annual Percentage Rate is subject to change during the term of the loan.

***Prime Rate as published in The Wall Street Journal and adjusted quarterly for equity. Maximum rate for Home Equity Lines of Credit is 18.00%.

***Home equity lines of credit are not available on secondary residences used as rental property. Secondary residences include beach, mountain, or lake homes used only by the property owner.

Balance

Primary Residence up to $350,000**

APR*

as low as Prime - 0.25%***

Balance

Secondary Residence**** up to $100,000**

APR*

as low as Prime + 0.25%***

Learn more about Home Equity Line of Credit »

Flex Loan + Line of Credit

Balance	APR*
*APR=Annual Percentage Rate. Rates are based on as low as the Prime Rate minus 0.25%. 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. Using the Line of Credit option at a variable rate, if you made only the minimum monthly payment and took no other credit advances it would take 13 years to pay off a credit advance of $10,000 at 5.75% APR. During that period, you would make 60 payments of $73.49 to $100.00 followed by 95 payments of $95.21 and one (1) final payment of $94.43. 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 $118.33. Appraisals are required on loan amounts of $100,000 or greater. Closings costs are paid up to $500. There is no annual fee or prepayment penalty fee. Homeowner’s insurance and, if applicable, flood insurance is required. Interest may be tax deductible; consult tax advisor for details. 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.
Balance Primary Residence up to $350,000	APR* as low as Prime - 0.25%

Balance

APR*

*APR=Annual Percentage Rate. Rates are based on as low as the Prime Rate minus 0.25%. 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. Using the Line of Credit option at a variable rate, if you made only the minimum monthly payment and took no other credit advances it would take 13 years to pay off a credit advance of $10,000 at 5.75% APR. During that period, you would make 60 payments of $73.49 to $100.00 followed by 95 payments of $95.21 and one (1) final payment of $94.43. 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 $118.33. Appraisals are required on loan amounts of $100,000 or greater. Closings costs are paid up to $500. There is no annual fee or prepayment penalty fee. Homeowner’s insurance and, if applicable, flood insurance is required. Interest may be tax deductible; consult tax advisor for details.

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.

Balance

Primary Residence up to $350,000

APR*

as low as Prime - 0.25%

Learn more about Flex Loan + Line of Credit »

Interest-Only Home Equity Line of Credit

Balance	APR*
*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 4.00%. 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.
Balance Primary Residence up to $350,000	APR* as low as Prime + 0.50%

Balance

APR*

*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 4.00%. Rate is also affected by your credit history and profile and, like terms, are subject to change without notice.

Balance

Primary Residence up to $350,000

APR*

as low as Prime + 0.50%

Learn more about Interest-Only Home Equity Line of Credit »

New Car Loans

Loan Type	Payroll Deduction or Automatic Draft APR*	Non-Payroll Deduction APR*
APR = Annual Percentage Rate. A new auto with a loan amount of $24,185, at an interest rate of 5.44%, for 66 months, would have a payment of $424.81 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. **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.
Loan Type New Vehicle (Term: 1-66 Months)**	Payroll Deduction or Automatic Draft APR* as low as 5.44%	Non-Payroll Deduction APR* as low as 5.94%
Loan Type New Vehicle (Term: 67-75 Months)**	Payroll Deduction or Automatic Draft APR* as low as 5.95%	Non-Payroll Deduction APR* as low as 6.45%
Loan Type New Vehicle (Term: 76-84 Months)**	Payroll Deduction or Automatic Draft APR* as low as 6.10%	Non-Payroll Deduction APR* as low as 6.60%

Learn more about Car Loans »

Used Car Loans

Loan Type	Payroll Deduction or Automatic Draft APR*	Non-Payroll Deduction APR*
APR = Annual Percentage Rate. A new auto with a loan amount of $22,548, at an interest rate of 5.44%, for 60 months, would have a payment of $430.07.. 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. **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.
Loan Type Used Vehicle (Term: 1-60 Months)**	Payroll Deduction or Automatic Draft APR* as low as 5.44%	Non-Payroll Deduction APR* as low as 5.94%
Loan Type Used Vehicle (Term: 61-66 Months)**	Payroll Deduction or Automatic Draft APR* as low as 5.95%	Non-Payroll Deduction APR* as low as 6.45%
Loan Type Used Vehicle (Term: 67-75 Months)**	Payroll Deduction or Automatic Draft APR* as low as 6.10%	Non-Payroll Deduction APR* as low as 6.60%

Learn more about Car Loans »

Extended Mileage Car Loans

Loan Type	Payroll Deduction or Automatic Draft APR*	Non-Payroll Deduction APR*
APR = Annual Percentage Rate. A used auto with a loan amount of $20,890 at an interest rate of 7.64%, for 60 months, would have a payment of $419.98 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. **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.
Loan Type Extended Mileage (Term: 1-48 Months)**	Payroll Deduction or Automatic Draft APR* as low as 7.44%	Non-Payroll Deduction APR* as low as 7.94%
Loan Type Extended Mileage (Term: 49-60 Months)**	Payroll Deduction or Automatic Draft APR* as low as 7.64%	Non-Payroll Deduction APR* as low as 8.14%

Loan Type

Payroll Deduction or Automatic Draft APR*

Non-Payroll Deduction APR*

*APR = Annual Percentage Rate. A used auto with a loan amount of $20,890 at an interest rate of 7.64%, for 60 months, would have a payment of $419.98

**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.

****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.

Loan Type

Extended Mileage (Term: 1-48 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 7.44%

Non-Payroll Deduction APR*

as low as 7.94%

Loan Type

Extended Mileage (Term: 49-60 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 7.64%

Non-Payroll Deduction APR*

as low as 8.14%

Learn more about Car Loans »

Motorcycle Loans

Term	Payroll Deduction or Automatic Draft APR*	Non-Payroll Deduction APR*
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.
Term Term: 60 Months**	Payroll Deduction or Automatic Draft APR* as low as 7.75%	Non-Payroll Deduction APR* as low as 8.25%

Term

Payroll Deduction or Automatic Draft APR*

Non-Payroll Deduction APR*

*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.

Term

Term: 60 Months**

Payroll Deduction or Automatic Draft APR*

as low as 7.75%

Non-Payroll Deduction APR*

as low as 8.25%

Learn more about Motorcycle Loans »

Recreational Vehicle Loans

Loan Type	Payroll Deduction or Automatic Draft APR*	Non-Payroll Deduction APR*
APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan. For example, an RV Loan with a term of 10 years for a loan amount of $46,500 with an interest rate of 10% (with auto draft) would be $614.50.*
Loan Type New Trailer/Tractors	Payroll Deduction or Automatic Draft APR* 10.00%	Non-Payroll Deduction APR* 10.50%
Loan Type New Boats and Motor Homes	Payroll Deduction or Automatic Draft APR* 10.00%	Non-Payroll Deduction APR* 10.50%
Loan Type Used Boat/Trailer/Tractors	Payroll Deduction or Automatic Draft APR* 11.00%	Non-Payroll Deduction APR* 11.50%

Learn more about Recreational Vehicle Loans »

Student + Other Loans

Loan Type	Payroll Deduction or Automatic Draft APR*	Non-Payroll Deduction APR
*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.
Loan Type College	Payroll Deduction or Automatic Draft APR* as low as 7.50%*	Non-Payroll Deduction APR as low as 7.50%*
Loan Type Student	Payroll Deduction or Automatic Draft APR* as low as 9.75%	Non-Payroll Deduction APR as low as 9.75%
Loan Type Computer Loan	Payroll Deduction or Automatic Draft APR* as low as 6.00%	Non-Payroll Deduction APR as low as 6.50%

Learn more about School Loans »

Consolidation Loan

Loan Type	Payroll Deduction or Automatic Draft APR*	Non-Payroll Deduction APR
*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.
Loan Type Consolidation Loan	Payroll Deduction or Automatic Draft APR* as low as 8.99%	Non-Payroll Deduction APR as low as 9.49%

Learn more about Consolidation Loans »

Installment Loans

Loan Type	Payroll Deduction or Automatic Draft APR*	Non-Payroll Deduction APR
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)
Loan Type Lifestyle Loan	Payroll Deduction or Automatic Draft APR* 9.85%	Non-Payroll Deduction APR 9.85%
Loan Type Comaker	Payroll Deduction or Automatic Draft APR* 14.00%	Non-Payroll Deduction APR 14.50%
Loan Type Unsecured**	Payroll Deduction or Automatic Draft APR* as low as 14.25%	Non-Payroll Deduction APR as low as 14.75%

Learn more about Lifestyle Loans »

Share Loans

Loan Type	Payroll Deduction or Automatic Draft APR*	Non-Payroll Deduction APR
*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.
Loan Type Share Loan	Payroll Deduction or Automatic Draft APR* 5.75%	Non-Payroll Deduction APR 6.25%

Learn more about Share Loans »

Line of Credit Options

Line of Credit Type	Payroll Deduction or Automatic Draft APR*	Non-Payroll Deduction or Automatic Draft APR*
*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.
Line of Credit Type Unsecured	Payroll Deduction or Automatic Draft APR* 11.50%	Non-Payroll Deduction or Automatic Draft APR* 12.00%
Line of Credit Type Share Secured	Payroll Deduction or Automatic Draft APR* 5.25%	Non-Payroll Deduction or Automatic Draft APR* 5.75%
Line of Credit Type Overdraft Protection	Payroll Deduction or Automatic Draft APR* 11.00%	Non-Payroll Deduction or Automatic Draft APR* 11.00%

Learn more about Line of Credit Options »

Single Payment

Single Payment	Payroll Deduction or Automatic Draft APR*	Non-Payroll Deduction APR
*APR = Annual Percentage Rate. Annual Percentage Rate is subject to change during the term of the loan.
Single Payment Unsecured Loan	Payroll Deduction or Automatic Draft APR* 13.50%	Non-Payroll Deduction APR 13.50%

Business Money Market Account

Balance	Dividend	APY*
*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.
Balance Daily balance to $9,999.99	Dividend 1.49%	APY* 1.50%
Balance Daily balance $10,000.00 to $49,999.99	Dividend 1.79%	APY* 1.80%
Balance Daily balance $50,000.00 to $99,999.99	Dividend 1.88%	APY* 1.90%
Balance Daily balance $100,000.00 to $249,999.99	Dividend 1.98%	APY* 2.00%
Balance Daily balance $250,000.00	Dividend 2.08%	APY* 2.10%

Learn more about Business Money Market Accounts »

Business High Tier Money Market Account

Balance	Dividend	APY*
*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.
Balance Daily balance to $99,999.99	Dividend 0.05%	APY* 0.05%
Balance Daily balance $100,000.00 to $249,999.99	Dividend 1.98%	APY* 2.00%
Balance Daily balance $250,000.00 to $499,999.99	Dividend 2.23%	APY* 2.25%
Balance Daily balance $500,000.00	Dividend 2.47%	APY* 2.50%

Learn more about Business Money Market Accounts »

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.

Disclosures

‡APY = Annual Percentage Yield. Limit of one account per member. Effective date 4/22/24. Dividends are segmented according to account balance. First $250,000.00 per account will earn 4.00% APY (dividend rate 3.93%). Portion of balance above $250,000.00 will earn 0.15% APY (dividend rate 0.15%). A balance of $500,000.00 would result in a blended APY of approximately 2.076%. 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.

Routing Number 253177887

Disclosures

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