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Personal Rates
Savings Accounts
Personal Deposit Rates
| 0 | Account Type | Rate | APY1 | Min. Deposit To Open |
|---|---|---|---|---|
| 1 | Select Savings Account | 0.90% | 0.90% | $25 |
| 2 | Money Market | 2.08% | 2.10% | $250 |
| 3 | Steady Save Savings Account | 0.90% | 0.90% | $1 |
| 4 | NextGen Savings Account | 1.40% | 1.40% | $25 |
| 5 | YoungStar Savings Account | 1.40% | 1.40% | $25 |
Effective Date: 04/01/2025
1 APY = Annual Percentage Yield
Checking Accounts
Personal Deposit Rates
| 0 | Account Type | Rate | APY1 | Min. Deposit To Open |
|---|---|---|---|---|
| 1 | Bonus Checking Account | 0.15% | 0.15% | $5 |
| 2 | NextGen Checking Account | 0.15% | 0.15% | $5 |
Effective Date: 5/1/2025
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 | 4.17% | 4.25% | 6-11 months | $250 |
| 3 | Choice Certificate 18 | 4.41% | 4.50% | 12-18 months | $250 |
| 4 | Choice Certificate 24 | 4.45% | 4.55% | 19-24 months | $250 |
| 5 | Choice Certificate 36 | 4.50% | 4.60% | 25-36 months | $250 |
| 6 | Choice Certificate 48 | 3.92% | 4.00% | 37-48 months | $250 |
| 7 | Choice Certificate 60 | 3.92% | 4.00% | 49-60 months | $250 |
Effective Date: 06/23/2025
1 APY = Annual Percentage Yield
Individual Retirement Accounts (IRA)
Personal Investment Rates
| 0 | Account Type | Rate | APY1 | Min. Deposit To Open |
|---|---|---|---|---|
| 1 | Roth IRA | 3.50% | 3.56% | $25 |
| 2 | SEP IRA | 3.50% | 3.56% | $25 |
| 3 | Traditional IRA | 3.50% | 3.56% | $25 |
Effective Date: 03/26/2025
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 14.25% |
| 2 | Secured Credit Card | As low as 14.25% |
| 3 | Classic Credit Card | As low as 12.00% |
Effective Date: 04/01/2025
1 APR = Annual Percentage Rate
Personal Loans
Personal Loan Rates
| 0 | Account Type | APR1 |
|---|---|---|
| 1 | Personal Loan | As low as 10.13% |
| 2 | Personal Line of Credit | As low as 12.75% |
Effective Date: 04/01/2025
1 APR = Annual Percentage Rate
Vehicle Loans
Personal Loan Rates
| 0 | Loan Type | APR1 | Term |
|---|---|---|---|
| 1 | New Auto | As low as 5.25% | Up to 60 months |
| 2 | New Auto | As low as 5.50% | 61-72 months |
| 3 | New Auto | As low as 6.25% | 73-84 months |
| 4 | New Auto | As low as 7.00% | 85-96 months |
| 5 | Used Auto | As low as 5.75% | Up to 60 months |
| 6 | Used Auto | As low as 6.00% | 61-72 months |
| 7 | Used Auto | As low as 6.25% | 73-84 months |
Effective Date: 04/01/2025
1 APR = Annual Percentage Rate
HELOC
Personal Loan Rates
| 0 | Account Type | APR1 |
|---|---|---|
| 1 | Home Equity Line of Credit (Traditional) | As low as 7.50% |
| 2 | Home Equity Line of Credit (Interest-only) | As low as 8.00% |
Effective Date: 12/30/2024
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 | 2.75% | 2.76% | $500 |
| 3 | Civic Nonprofit Money Market | 3.00% | 3.01% | $500 |
Effective Date: 06/07/2023
1 APY = Annual Percentage Yield
Checking Accounts
Business Deposit Rates
| 0 | Account Type | Rate | APY1 | Min. Deposit To Open |
|---|---|---|---|---|
| 1 | Business Checking Account | 0.15% | 0.15% | $5 |
| 2 | Nonprofit Checking Account | 0.15% | 0.15% | $5 |
Effective Date: 03/07/2019
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 | 4.17% | 4.25% | 6-11 months | $500 |
| 3 | Business Choice Certificate 18 | 4.41% | 4.50% | 12-18 months | $500 |
| 4 | Business Choice Certificate 24 | 4.45% | 4.55% | 19-24 months | $500 |
| 5 | Business Choice Certificate 36 | 4.50% | 4.60% | 25-36 months | $500 |
| 6 | Business Choice Certificate 48 | 3.92% | 4.00% | 37-48 months | $500 |
| 7 | Business Choice Certificate 60 | 3.92% | 4.00% | 49-60 months | $500 |
Effective Date: 06/23/2025
1 APY = Annual Percentage Yield