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| Duration | Interest Rate | APY | Open Online |
|---|---|---|---|
| 91 Days (CD Only)* | .10 | .10 | N/A |
| 181 Days* | .20 | .20 | N/A |
| 1 Year CD* | .35 | .35 | Open Now |
| 12-23 Months* | .35 | .35 | N/A |
| 2 Year CD* | .45 | .45 | Open Now |
| 24-35 Months* | .45 | .45 | N/A |
| 3 Year CD* | .50 | .50 | Open Now |
| 36-47 Months* | .50 | .50 | N/A |
| 48-59 Months* | .55 | .55 | N/A |
| 60 Months* | .55 | .55 | N/A |
| 18 Month Variable CD/IRA** | .40 | .40 | N/A |
| 60 Month Variable IRA** | .50 | .50 | N/A |
*Minimum required opening deposit is $1,000.
**Minimum required opening deposit is $100. Additions of $100 or more are permitted.
No minimum balance required to obtain the Annual Percentage Yield (APY). These rates do not apply to public funds. Please contact Treasury Management for current rates.
APYs accurate as of 3/10/2021. On all CDs and IRAs a penalty may be assessed for early withdrawal. Fees on all accounts could reduce earnings. CDs and IRAs are fixed and variable interest rate accounts.
| Minimum Required Opening Deposit $100* | Interest Rate | APY |
|---|---|---|
| $0–10,000 | 1.7361 | 1.75 |
| $10,001 or more | .20 | 1.75 to .34** |
| If Cycle requirements are not met | .01 | .01 |
Note: 
*Cycle qualifications must be met. In order to earn Savings Plus reward rates, Cash Back Checking or High Interest Checking qualifications must be met.
**An interest rate of 0.20% will be paid only for that portion of your daily balance that is greater than $10,000. The annual percentage yield for this tier will range from 1.75% to 0.34%, depending on the balance in the account.
APY = Annual Percentage Yield. APYs accurate as of 3/15/2021. Interest rates and Annual Percentage Yields for checking accounts may change after account opening. All interest bearing checking accounts are variable interest rate.
| Minimum Required Opening Deposit $25* | Interest Rate | APY |
|---|---|---|
| $0–50,000 | .7474 | .75 |
| $50,001 or more | .20 | .75 to .38** |
| If Cycle requirements are not met: | .01 | .01 |
Note: Savings Plus must be combined with High Interest Checking or Cash Back Checking.
*Cycle qualifications must be met. In order to earn Savings Plus reward rates, High Interest Checking or Cash Back Checking qualifications must be met.
**An interest rate of 0.20% will be paid only for that portion of your daily balance that is greater than $50,000. The annual percentage yield for this tier will range from .75% to 0.38%, depending on the balance in the account.
APY = Annual Percentage Yield. APYs accurate as of 3/15/2021. Interest rates and Annual Percentage Yields for savings accounts may change after account opening. All interest bearing savings accounts are variable interest rate.
| Year | Term | Rate | APR |
|---|---|---|---|
| New and Used Vehicle/Touring Motorcycle | |||
| 2018 & Newer | 72 | 2.80 - 7.29 | 3.03 - 7.53 |
| 2018 & Newer | 63 | 2.65 - 7.04 | 2.91 - 7.31 |
| 2018 & Newer | 48 | 2.49 - 6.79 | 2.82 - 7.13 |
| 2017 - 2014 | 63 | 3.10 - 7.54 | 3.36 - 7.81 |
| 2017 - 2014 | 48 | 2.85 - 7.29 | 3.18 - 7.63 |
| 2013 - 2005 | 48 | 3.90 - 7.84 | 4.24 - 8.19 |
| New & Used Sport Bike, ATV, Jet Ski or Trailer | |||
| 2011 and Newer | 72 | 5.44 - 6.54 | 5.67 - 6.78 |
| 2011 and Newer | 60 | 5.19 - 6.29 | 5.46 - 6.57 |
| 2011 and Newer | 48 | 4.94 - 6.04 | 5.28 - 6.38 |
| Boat or RV | |||
| New and Used | 120 | 5.44 - 6.29 | 5.59 - 6.44 |
| New and Used | 84 | 5.19 - 6.04 | 5.39 - 6.24 |
| New and Used | 60 | 4.69 - 5.54 | 4.96 - 5.82 |
| New and Used | 48 | 4.44 - 5.29 | 4.78 - 5.63 |
Note: Rates effective as of 3/8/2021. Sample Annual Percentage Rates (APRs) based on a $15,000 principal, a $100 origination fee, and a 30 day first payment date. Depending on each customer’s specific loan request, the APR may change due to variables in the transaction (i.e. terms, amount financed, loan fees, insurance premiums, first payment date, or similar factors). LTV can be up 120% of the vehicles NADA value or $5,000, whichever is less. The maximum LTV on any New or Used vehicle loan is based on the Average Retail NADA valuation up to the lesser of 120% or $5,000 for Tiers 1,2,3, and 100% of NADA value for Tier 4 applications. On purchase transactions, the bank will finance the Average NADA Retail value plus sales taxes, warranties, gap, and credit life/disability regardless of LTV, with any additional cash out allowed if the overall LTV is 120% or less. Rebuilt Salvage Vehicles: The LTV on a rebuilt salvage vehicle is limited to 100% of the NADA trade-in valuation and does NOT qualify for an LTV greater than 100%. Minimum loan amount is $5,000 unless noted. New & Used Sport Bike, ATV, Jet Ski or Trailer 60 month term requires a minimum loan amount of $14,000. 120 month term for New RV's and Boats only and requires a minimum loan amount of $50,000.
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