Personal Deposit Rates

Community Checking

N/A

$25 minimum opening balance

President's Club Checking

Balance APY*
$750-$9,999.99 0.15%
$10,000 and above 0.20%

$25 minimum opening balance

$750 minimum average daily balance to earn dividends

$30,000 minimum in combined loans or deposits to avoid $7.50 service fee

*APY: Annual Percentage Yield.

Dividend Option Checking

0.01%APY

$25 minimum opening balance

$750 minimum average daily balance to earn dividends/avoid service fee

*APY: Annual Percentage Yield.

Passport Checking

0.01%APY

$25 minimum opening balance

$750 minimum average daily balance to earn dividends

*APY: Annual Percentage Yield.

Share Savings

0.02%APY

$100 minimum balance

Youth Savings

0.02%APY

$5 minimum opening balance.

Christmas Club

0.02%APY

$0 minimum balance

Market Investor

Balance APY* Min Bal.
$100-$9,999.99 0.01% $100
$10,000-$49,999.99 0.05% $100
$50,000-$99,999.99 0.10% $100
$100,000 and above 0.15% $100
     

Certificates of Deposit

Product APY Min Bal.
60 Month Certificate 0.45% $1,000
48 Month Certificate 0.40% $1,000
36 Month Certificate 0.30% $1,000
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12 Months
First Step
0.15% $100
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IRAs and ESAs

Product APY Min Bal.
Premier IRA
$10 Annual Fee
0.20% $0
Monthly IRA Share Account 0.20% $0
IRA Savings 0.15% $0
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12-Months First Step
Coverdell ESA
0.15% $100
     
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Personal Loan Rates

Auto Rates

Product APR*
New and Used Autos
up to 72 months
6.49% - 19.99%
New and Used Autos
73 - 84 months
6.49% - 19.99%
For a $20,000 new car loan for a term of 84 months with a 6.49% APR, the monthly payment will be $296.92

RVs

Product APR
2021-2022 Fixed Rate* 5.49% - 18.24%
2021-2022 Variable Rate 6.49% - 18.49%
2020 and older Fixed Rate* 6.49% - 19.24%
2020 and older Variable Rate 8.49% - 20.49%

*Includes .50% reduction for autopay and e-statements for fixed rates.

Marine

Product APR
Models 2021-2022 5.49% - 18.24%
2020 and older 6.49% - 19.24%

Includes .50% reduction for autopay and e-statements.

Goldline Plus

12.65%-23.90%APR

Line of Credit

Loan is subject to a $25 annual fee, and a $10 membership fee if borrower is not already a member. The APR will vary and changes quarterly based on the 26-week US Treasury Bill Rate. Current margin ranges between 9.90%-21.15%. The monthly minimum payment requirement is 2.5% of the outstanding balance, subject to a minimum of $15.00. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.

Personal Loan

Product APR
Fixed Rate 10.25% - 23.00%*
Variable Rate 13.25% - 19.75%

*Includes .50% reduction for autopay and e-statements. $60 loan fee applies.

Share Secured

5.00%APR

Secured by your Maps Share Account

Certificate Secured

+2.00%*APR

*Certificate Rate + 2.00% APR. Secured by your Maps Certificate Account.

For example, if the 60-month certificate is .45% + 2% = 2.45% APR

Home Equity Master Line

Repayment Terms APR Loan to Value
10 year draw & up to 15 years to repay 6.25% - 8.25% up to 85% LTV for select credit tiers

 Minimum monthly payments during the draw period will be determined on the balance.

Lock-In Option - Variable

Repayment Terms APR
Terms 5, 10, 15, or 20 years 6.50%-8.50%

Lock-in a portion of your Home Equity Master Line to an interest rate that is fixed for the first five years based on Wall Street Journal plus a margin. As you repay the principal, your availability to borrow from your Home Equity Master Line will increase.  OR as you repay the principal portion that is locked in, these funds will be available to borrow through your Home Equity Master Line. Lock fee of $25 may apply.

Lock-in Option - Fixed

6.50%APR

Repayment Terms APR
Terms 5, 10, 15, or 20 years 6.50%-9.50%

Lock-in a portion of your Home Equity Master Line to a fixed interest rate for 5, 10, 15, or 20 years. As you repay the principal, your availability to borrow from your Home Equity Master Line will increase. Lock fee of $25 may apply.

Mastercard

Product APR
Platinum Mastercard Rewards 8.75%-16.75%
World Mastercard Rewards 8.75%-12.75%
Business Mastercard 8.75%-16.75%
Secured Mastercard 16.75%
Youth Mastercard 16.75%

Mortgages

Swipe left to scroll table.
Program Name Rate APR Points   Fees
15 Year Fixed (Conforming) 6.000% 6.177% 0.000%   View
30 Year Fixed (Conforming) 6.500% 6.611% 0.000%   View
30 Year FHA 5.750% 6.675% 0.000%   View
30 Year VA 6.125% 6.340% 0.000%   View
30 Year USDA Rural Home Purchase 6.625% 7.159% 0.000%   View

The rates listed above are for a purchase loan amount of $200k and assume a 740+ credit score. Please reach out to a Mortgage Loan Officer for a specific rate quote.  Refinance Rates can be higher than what is listed here.


Rates good as of 11/23/2022 and are subject to change without notice. Rates may vary depending on each individual’s credit history and underwriting factors.

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Business Rates

Basic Business Checking

0.00APY

$100 minimum opening balance

Monthly Service Fee $5.
To Avoid Service Fee: Maintain a Daily Balance of $500; or $2,500 Combined Balance; or 10 Debit Card Purchases

Growth Business Checking

Product APY*
Below $1,500 0.00%
$1,500 and above 0.05%

$100 minimum opening balance

Monthly Service Fee: $10
To Avoid Service Fee: Maintain a Daily Balance of $2,500; or $4,000 Combined Balance; or Active Business Loan/Line

Advanced Business Checking

APY

Product APY*
Below $1,500 0.00%
$1,500 and above 0.10%

$100 minimum opening balance

Monthly service fee $20

To Avoid Service Fee: Daily Balance of $7,500; or $15,000 Combined Balance; or Active Business Loan/Line

Business Share Savings

0.02%APY

$100 minimum balance to avoid service fee

Business Market Investor

Product APY*
Below $1000 0.00%
$1,000 - $9,999.99 0.01%
$10,000 - $49,999.99 0.05%
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$1,000 minimum balance to earn dividends