Rates

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

0.50%

APY*

0.50%

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

0.05%

APY*

0.05%

Balance

$10,000 or more

Dividend

0.05%

APY*

0.05%

Balance

$5,000 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 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

0.05%

APY*

0.05%

Balance

$10,000 or more

Dividend

0.05%

APY*

0.05%

Balance

$5,000 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 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 0.10% 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 of 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

0.10%

APY*

0.10%

Balance

4-7 YMCA visits

Dividend

0.75%

APY*

0.75%

Balance

8-11 YMCA visits

Dividend

0.85%

APY*

0.85%

Balance

12+ YMCA visits

Dividend

1.05%

APY*

1.05%

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

0.20%

APY*

0.20%

Balance

$5,000 or more

Dividend

0.15%

APY*

0.15%

Balance

$2,500 or more

Dividend

0.10%

APY*

0.10%

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

0.10%

APY*

0.10%

Balance

$2,000 or more

Dividend

0.10%

APY*

0.10%

Balance

Up to $2,000

Dividend

0.05%

APY*

0.05%

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

0.10%

APY*

0.10%

Balance

$2,000 or more

Dividend

0.10%

APY*

0.10%

Balance

Up to $2,000

Dividend

0.05%

APY*

0.05%

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 or more

Dividend

0.30%

APY*

0.30%

Balance

$50,000 or more

Dividend

0.25%

APY*

0.25%

Balance

$25,000 or more

Dividend

0.20%

APY*

0.20%

Balance

$2,500 or more

Dividend

0.20%

APY*

0.20%

Balance

Up to $2,500

Dividend

0.05%

APY*

0.05%

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

0.40%

APY*

0.40%

Balance

$250,000.00 to $499,999.99

Dividend

0.35%

APY*

0.35%

Balance

$100,000.00 to $249,999.99

Dividend

0.30%

APY*

0.30%

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 7.15.22

Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum 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.

Term

3 Month

Balance

$0.00 - $250,000.00+

Dividend

0.35% - 0.35%

APY*

0.35% - 0.35%

Term

6 Month

Balance

$0.00 - $250,000.00+

Dividend

0.45% - 0.60%

APY*

0.45% - 0.60%

Term

9 Month

Balance

$0.00 - $250,000.00+

Dividend

0.50% - 0.65%

APY*

0.50% - 0.65%

Term

12 Month

Balance

$0.00 - $250,000.00+

Dividend

0.75% - 0.90%

APY*

0.75% - 0.90%

Term

18 Month

Balance

$0.00 - $250,000.00+

Dividend

0.85% - 1.00%

APY*

0.85% - 1.00%

Term

2 Year

Balance

$0.00 - $250,000.00+

Dividend

0.95% - 1.09%

APY*

0.95% - 1.10%

Term

3 Year

Balance

$0.00 - $250,000.00+

Dividend

1.24% - 1.39%

APY*

1.25% - 1.40%

Term

4 Year

Balance

$0.00 - $250,000.00+

Dividend

1.34% - 1.49%

APY*

1.35% - 1.50%

Term

5 Year

Balance

$0.00 - $250,000.00+

Dividend

1.44% - 1.59%

APY*

1.45% - 1.60%

Term

Mortgage Saver (5 yr)

Balance

$0.00 - $50,000.00

Dividend

0.50%

APY*

0.50%

Online Certificate

Balance

Dividend

APY

Balance

$1,000.00 - $250,000.00

Dividend

1.04%

APY

1.05%

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

3 Month

Balance

$0.00 - $250,000.00+

Dividend Rate

0.50% - 0.50%

APY*

0.50% - 0.50%

Term

6 Month

Balance

$0.00 - $250,000.00+

Dividend Rate

0.60%- 0.75%

APY*

0.60%- 0.75%

Term

9 Month

Balance

$0.00 - $250,000.00+

Dividend Rate

0.65% - 0.80%

APY*

0.65% - 0.80%

Term

12 Month

Balance

$0.00 - $250,000.00+

Dividend Rate

0.90% - 1.04%

APY*

0.90% - 1.05%

Term

18 Month

Balance

$0.00 - $250,000.00+

Dividend Rate

1.00% - 1.14%

APY*

1.00% - 1.15%

Term

2 Year

Balance

$0.00 - $250,000.00+

Dividend Rate

1.09% - 1.24%

APY*

1.10% - 1.25%

Term

3 Year

Balance

$0.00 - $250,000.00+

Dividend Rate

1.39% - 1.54%

APY*

1.40% - 1.55%

Term

4 Year

Balance

$0.00 - $250,000.00+

Dividend Rate

1.49% - 1.64%

APY*

1.50% - 1.65%

Term

5 Year

Balance

$0.00 - $250,000.00+

Dividend Rate

1.59% - 1.73%

APY*

1.60% - 1.75%

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
We are experiencing rate volatility and rates are subject to change frequently.

Program

Rate

APR*

*APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 08/12/2022 at 3:30pm (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

5.000%

APR*

5.229%

Program

30 Year Fixed (Conforming-Cash Out Refinance)

Rate

5.500%

APR*

5.740%

Program

15 Year Fixed (Conforming-Purchase)

Rate

4.375%

APR*

4.755%

Program

15 Year Fixed (Conforming-Cash Out Refinance)

Rate

4.875%

APR*

5.267%

Program

30 Year Fixed (Jumbo)

Rate

5.625%

APR*

5.787%

View NC Home Advantage Program rates »
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 08/12/2022 at 3:30pm (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

5.000%

APR*

3.804%

Program

7/1 ARM (Conforming-30 year term)

Rate

5.250%

APR*

4.022%

Program

10/1 ARM (Conforming-30 year term)

Rate

4.875%

APR*

4.345%

Program

15/15 ARM (Conforming-30 year term)

Rate

5.000%

APR*

4.790%

Program

10/1 ARM (Conforming-30 year term) Medical Professional Program

Rate

5.500%

APR*

4.761%

Program

7/1 ARM (Jumbo-30 year term)

Rate

5.250%

APR*

4.186%

Program

10/1 ARM (Jumbo-30 year term)

Rate

5.000%

APR*

4.364%

Program

10/1 ARM (Jumbo-30 year term) Medical Professional Program

Rate

5.000%

APR*

4.364%

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 08/12/2022 at 3:30pm (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

4.375%

APR*

4.888%

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 08/12/2022 at 3:30pm (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

4.625%

APR*

4.811%

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, Texas, and West Virginia. For example, a $125,000 loan financed for 120 months at 3.32% APR would result in an approximately monthly payment of $1,225.69. 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 3.09%

Balance

Secondary Residence up to $750,000**

APR*

as low as 3.65%

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%***

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%

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%

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 $23,412, at an interest rate of 2.49%, for 66 months, would have a payment of $379.94.

**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: 1-48 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 1.99%

Non-Payroll Deduction APR*

as low as 2.49%

Loan Type

New Vehicle (Term: 49-66 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 2.49%

Non-Payroll Deduction APR*

as low as 2.99%

Loan Type

New Vehicle (Term: 67-75 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 3.04%

Non-Payroll Deduction APR*

as low as 3.54%

Loan Type

New Vehicle (Term: 76-84 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 3.29%

Non-Payroll Deduction APR*

as low as 3.79%

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 $23,412, at an interest rate of 2.49%, for 66 months, would have a payment of $379.94.

**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: 1-42 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 1.99%

Non-Payroll Deduction APR*

as low as 2.49%

Loan Type

Used Vehicle (Term: 43-60 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 2.49%

Non-Payroll Deduction APR*

as low as 2.99%

Loan Type

Used Vehicle (Term: 61-66 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 3.04%

Non-Payroll Deduction APR*

as low as 3.54%

Loan Type

Used Vehicle (Term: 67-75 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 3.29%

Non-Payroll Deduction APR*

as low as 3.79%

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 new auto with a loan amount of $23,412, at an interest rate of 2.49%, for 66 months, would have a payment of $379.94.

**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 5.74%

Non-Payroll Deduction APR*

as low as 6.24%

Loan Type

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

Payroll Deduction or Automatic Draft APR*

as low as 5.94%

Non-Payroll Deduction APR*

as low as 6.44%

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 $12,750 with an interest rate of 7.5% would be $255.48. 

**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 7.25%

Non-Payroll Deduction APR*

as low as 7.75%

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 6.75%*

Non-Payroll Deduction APR

as low as 6.75%*

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 »

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*

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%

Payroll Deduction or Automatic Draft APR*

12.00%

Line of Credit Type

Share Secured

Payroll Deduction or Automatic Draft APR*

5.25%

Payroll Deduction or Automatic Draft APR*

5.75%

Line of Credit Type

Overdraft Protection

Payroll Deduction or Automatic Draft APR*

11.00%

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 0.05% APY. All requirements must be met to earn highest dividends. 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

0.05%

APY*

0.05%

Balance

Daily balance $10,000.00 to $49,999.99

Dividend

0.20%

APY*

0.20%

Balance

Daily balance $50,000.00 to $99,999.99

Dividend

0.25%

APY*

0.25%

Balance

Daily balance $100,000.00 to $249,999.99

Dividend

0.30%

APY*

0.30%

Balance

Daily balance $250,000+

Dividend

0.35%

APY*

0.35%

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. All requirements must be met to earn highest dividends. 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

0.35%

APY*

0.35%

Balance

Daily balance $250,000.00 to $499,999.99

Dividend

0.45%

APY*

0.45%

Balance

Daily balance $500,000+

Dividend

0.50%

APY*

0.50%

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.