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Personal Rates
Savings Accounts
Personal Deposit Rates
| 0 | Account Type | Rate | APY1 | Min. Deposit To Open |
|---|---|---|---|---|
| 1 | Select Savings Account | 0.25% | 0.25% | $25 |
| 2 | Money Market | 2.03% | 2.05% | $250 |
| 3 | Steady Save Savings Account | 0.25% | 0.25% | $1 |
| 4 | NextGen Savings Account | 0.40% | 0.40% | $25 |
| 5 | YoungStar Savings Account | 0.40% | 0.40% | $25 |
Effective Date: 11/17/2025
1 APY = Annual Percentage Yield
Checking Accounts
Personal Deposit Rates
| 0 | Account Type | Rate | APY1 | Min. Deposit To Open |
|---|---|---|---|---|
| 1 | Bonus Checking Account | 0.10% | 0.10% | $5 |
| 2 | NextGen Checking Account | 0.10% | 0.10% | $5 |
Effective Date: 11/17/2025
1 APY = Annual Percentage Yield
Choice Certificates
Personal Deposit Rates
| 0 | Account Type | Rate | APY1 | Term | Min. Deposit To Open |
|---|---|---|---|---|---|
| 1 | Choice Certificate | Rates and terms vary based on Certificate chosen | $250 | ||
| 2 | Choice Certificate 6 | 3.59% | 3.65% | 6-11 months | $250 |
| 3 | Choice Certificate 18 | 3.92% | 4.00% | 12-18 months | $250 |
| 4 | Choice Certificate 24 | 4.12% | 4.20% | 19-24 months | $250 |
| 5 | Choice Certificate 36 | 3.92% | 4.00% | 25-36 months | $250 |
| 6 | Choice Certificate 48 | 3.68% | 3.75% | 37-48 months | $250 |
| 7 | Choice Certificate 60 | 3.68% | 3.75% | 49-60 months | $250 |
Effective Date: 11/17/2025
1 APY = Annual Percentage Yield
Jumbo Choice Certificates
Personal Deposit Rates
| -9 | Account Type | Rate | APY1 | Term | Min. Deposit To Open |
|---|---|---|---|---|---|
| -8 | Jumbo Choice Certificate | Rates and terms vary based on Certificate chosen | $75,000 | ||
| -7 | Jumbo Choice Certificate 6 | 3.68% | 3.75% | 6 months | $75,000 |
| -6 | Jumbo Choice Certificate 12 | 4.02% | 4.10% | 12 months | $75,000 |
| -5 | Jumbo Choice Certificate 18 | 4.02% | 4.10% | 18 months | $75,000 |
| -4 | Jumbo Choice Certificate 24 | 4.21% | 4.30% | 24 months | $75,000 |
| -3 | Jumbo Choice Certificate 36 | 4.02% | 4.10% | 36 months | $75,000 |
| -2 | Jumbo Choice Certificate 48 | 3.78% | 3.85% | 48 months | $75,000 |
| -1 | Jumbo Choice Certificate 60 | 3.78% | 3.85% | 60 months | $75,000 |
Effective Date: 11/17/2025
1 APY = Annual Percentage Yield
Individual Retirement Accounts (IRA)
Personal Investment Rates
| 0 | Account Type | Rate | APY1 | Min. Deposit To Open |
|---|---|---|---|---|
| 1 | Roth IRA | 2.96% | 3.00% | $25 |
| 2 | SEP IRA | 2.96% | 3.00% | $25 |
| 3 | Traditional IRA | 2.96% | 3.00% | $25 |
Effective Date: 11/17/2025
1 APY = Annual Percentage Yield
IRA Choice Certificates
Personal Investment Rates
| -9 | Account Type | Rate | APY1 | Term | Min. Deposit To Open |
|---|---|---|---|---|---|
| -8 | IRA Choice Certificate | Rates and terms vary based on Certificate chosen | $250 | ||
| -7 | IRA Choice Certificate 6 | 3.59% | 3.65% | 6 months | $250 |
| -6 | IRA Choice Certificate 12 | 3.92% | 4.00% | 12 months | $250 |
| -5 | IRA Choice Certificate 18 | 3.92% | 4.00% | 18 months | $250 |
| -4 | IRA Choice Certificate 24 | 4.12% | 4.20% | 24 months | $250 |
| -3 | IRA Choice Certificate 36 | 3.92% | 4.00% | 36 months | $250 |
| -2 | IRA Choice Certificate 48 | 3.68% | 3.75% | 48 months | $250 |
| -1 | IRA Choice Certificate 60 | 3.68% | 3.75% | 60 months | $250 |
Effective Date: 11/17/2025
1 APY = Annual Percentage Yield
Health Savings Account
Personal Deposit Rates
| 0 | Account Type | Rate | APY1 |
|---|---|---|---|
| 1 | Health Savings Account (HSA) | 3.10% | 3.15% |
Effective Date: 05/08/2025
1 APY = Annual Percentage Yield
Credit Cards
Personal Loan Rates
| 0 | Account Type | APR1 |
|---|---|---|
| 1 | Rewards Credit Card | As low as 14.00% |
| 2 | Secured Credit Card | As low as 14.00% |
| 3 | Classic Credit Card | As low as 11.75% |
Effective Date: 09/29/2025
1 APR = Annual Percentage Rate
Personal Loans
Personal Loan Rates
| 0 | Account Type | APR1 |
|---|---|---|
| 1 | Personal Loan | As low as 9.63% |
| 2 | Personal Line of Credit | As low as 12.25% |
Effective Date: 11/07/2025
1 APR = Annual Percentage Rate
Vehicle Loans
Personal Loan Rates
Effective Date: 08/20/2025
1 APR = Annual Percentage Rate
HELOC
Personal Loan Rates
| 0 | Account Type | APR1 |
|---|---|---|
| 1 | Home Equity Line of Credit (Traditional) | As low as 7.00% |
| 2 | Home Equity Line of Credit (Interest-only) | As low as 7.50% |
Effective Date: 11/07/2025
1 APR = Annual Percentage Rate
Business Rates
Share Accounts
Business Deposit Rates
| 0 | Account Type | Rate | APY1 | Min. Deposit to Open |
|---|---|---|---|---|
| 1 | Business Savings Account | 0.25% | 0.25% | $25 |
| 2 | Business Money Market Account | 2.03% | 2.05% | $500 |
| 3 | Civic Nonprofit Money Market | 2.27% | 2.30% | $500 |
Effective Date: 11/17/2025
1 APY = Annual Percentage Yield
Checking Accounts
Business Deposit Rates
| 0 | Account Type | Rate | APY1 | Min. Deposit To Open |
|---|---|---|---|---|
| 1 | Business Checking Account | 0.10% | 0.10% | $5 |
| 2 | Nonprofit Checking Account | 0.10% | 0.10% | $5 |
Effective Date: 11/17/2025
1 APY = Annual Percentage Yield
Business Choice Certificates
Business Deposit Rates
| 0 | Account Type | Rate | APY1 | Term | Min. Deposit To Open |
|---|---|---|---|---|---|
| 1 | Business Choice Certificate | Rates and terms vary based on Certificate chosen | $500 | ||
| 2 | Business Choice Certificate 6 | 3.59% | 3.65% | 6-11 months | $500 |
| 3 | Business Choice Certificate 18 | 3.92% | 4.00% | 12-18 months | $500 |
| 4 | Business Choice Certificate 24 | 4.12% | 4.20% | 19-24 months | $500 |
| 5 | Business Choice Certificate 36 | 3.92% | 4.00% | 25-36 months | $500 |
| 6 | Business Choice Certificate 48 | 3.68% | 3.75% | 37-48 months | $500 |
| 7 | Business Choice Certificate 60 | 3.68% | 3.75% | 49-60 months | $500 |
Effective Date: 11/17/2025
1 APY = Annual Percentage Yield
Business Jumbo Choice Certificates
Business Deposit Rates
| 0 | Account Type | Rate | APY1 | Term | Min. Deposit To Open |
|---|---|---|---|---|---|
| 1 | Business Jumbo Choice Certificate | Rates and terms vary based on Certificate chosen | $75,000 | ||
| 2 | Business Jumbo Choice Certificate 6 | 3.68% | 3.75% | 6 months | $75,000 |
| 3 | Business Jumbo Choice Certificate 12 | 4.02% | 4.10% | 12 months | $75,000 |
| 4 | Business Jumbo Choice Certificate 18 | 4.02% | 4.10% | 18 months | $75,000 |
| 5 | Business Jumbo Choice Certificate 24 | 4.21% | 4.30% | 24 months | $75,000 |
| 6 | Business Jumbo Choice Certificate 36 | 4.02% | 4.10% | 36 months | $75,000 |
| 7 | Business Jumbo Choice Certificate 48 | 3.78% | 3.85% | 48 months | $75,000 |
| 8 | Business Jumbo Choice Certificate 48 | 3.78% | 3.85% | 60 months | $75,000 |
Effective Date: 11/17/2025
1 APY = Annual Percentage Yield