Mom and daughter playing in a tent.

Rates

Rates to help you achieve just about anything you can imagine.
New and Used Auto Loans
Term in Months Annual Percentage Rate (APR) as low as* Monthly Payment Example per $1,000 Borrowed
1-48 2.89% $22.09 based on a 48 month term
49-63 2.89% $17.13 based on a 63 month term
64-75 2.99% $14.63 based on a 75 month term
76-84 3.49% $13.44 based on a 84 month term
*Annual Percentage Rate. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.



Recreational Loans (Boats, Campers, and RVs)
Term in Months Annual Percentage Rate (APR) as low as* Monthly Payment Example per $1,000 Borrowed
1-63 4.49% $17.85 based on a 63 month term
64-120 5.19% $10.70 based on a 120 month term
121-180 5.49% $8.17 based on a 180 month term
*Annual Percentage Rate. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. Maximum loan amount is $75,000. All loans subject to approval.



Adventure Loans (ATVs, UTVs, and Motorcycles)
Term in Months Annual Percentage Rate (APR) as low as* Monthly Payment Example per $1,000 Borrowed
1-63 4.99% $18.15 based on a 63 month term
64-75 5.49% $15.85 based on a 75 month term
76-84 6.79% $15.07 based on a 84 month term
*Annual Percentage Rate. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. Maximum loan amount is $50,000. All loans subject to approval.



Personal Loans (Unsecured Loans)
Loan Type Annual Percentage Rate (APR) as low as* Maximum Loan Amount
Express Loan '21 5.99%
$5,000
Signature Cash Personal Line of Credit  10.40%**
$50,000

Signature Cash Personal Loan 7.99%*** $50,000
Credit Builder Loan  Current Savings Rate at closing plus 3.00%**** $1,000
*Annual Percentage Rate. Rates, terms and conditions are subject to change and vary based on creditworthiness and qualifications. All loans subject to approval.
√Payment Example Express Loan '21: For a $5,000 loan for 36 months with a 5.99% APR, the monthly payment will be $152.10.
**Rates are as low as 10.40% APR, Non-Variable. The minimum loan amount is $250. Monthly payments are based on $30 for up to every $1,000 borrowed. Payment example for Signature Cash Personal Line of Credit: The term is estimated at 40 months based on an initial loan amount of $1,000, no additional loan advances completed, an APR of 10.40%, and a $30 monthly payment. This payment amount is an example. 
***Payment example for Signature Cash Personal Loan: For a $2,500 loan for a 12 months with a 7.99% APR, the monthly payment will be $217.46. 
****Payment example for Credit Builder Loan: For a $1,000 loan for a term of 12 months with a 3.15% APR, the monthly payment will be $84.76.



Credit Cards
My Card Visa® Click here to view the credit card agreement for current rates.*
*Annual Percentage Rate. APR is a variable rate. Rates, terms and conditions are subject to change and vary based on creditworthiness and qualifications. All loans subject to approval.




Mortgages
Mortgage Type* Details
Mortgage Rates View Mortgage Rates
First Mortgage Minimum $10,000. Max $510,400.
Mortgage Refinances Minimum $10,000. Max $510,400.
Second Mortgage Fixed Rate
Will loan up to 100% of the appraised value based on credit worthiness. Minimum $5,000. Maximum $400,000
ARM Loans On the anniversary date: Interest rate is set at the weekly average yield on the 12 month T-Bill as reported in the Wall Street Journal plus the appropriate margins for First Mortgages. Caps are 2% per year and 6% over life of the loan.
Residential/Unimproved Land We will finance up to 80% of appraised value or purchase price, whichever is less; minimum amount $10,000.00; maximum amount $200,000.00. Call for term information.
Convertible Loans  After fixed period, rate converts to the weekly average yield on the 12 month T-Bill as reported in the Wall Street Journal plus the appropriate margins on the First Mortgages. The Caps are 2% per year and 6% over life of the loan. Call for term information.
Escrows Escrows are required on all first mortgage products with a loan value over 80%. 
*Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.


Home Equity Line of Credit
Home Equity Product Interest Rates as low as Annual Percentage Rate (APR) as low as
Home Equity Line of Credit (up to 100% Loan-to-Value) 3.00% 3.00%
*The Annual Percentage Rate is a variable rate and the maximum APR that can apply is 12.25%. The annual percentage rate may vary after the account is opened. Closing costs may range from $81.50 to $1,500. Property insurance is required and not included in the closing costs. Potential line of credit is $5,000 minimum and $400,000 maximum. Rates, terms and conditions are subject to change and vary based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. 


Investment Properties
Investment Property Product Interest Rates as low as Annual Percentage Rate (APR) as low as
5 Year Convertible Rate (5/5) 2.750%
3.422%
15 Year Fixed Rate 3.125% 3.302%
*Annual Percentage Rate. Rates, terms, and conditions are subject to change and vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Payment example for 5/5 Balloon loan for $200,000 on 25 years at 2.75%: the monthly payment would be $922.62 for the initial 5-year rate lock 15-year fixed rate loan for $200,000 on 15-year amortization at 3.125%: the monthly payment would be $1,393.22.


Checking Accounts
Account Type Dividend Rate as of December 1, 2021 Annual Percentage Yield (APY)*
Commonwealth Business Account* 0.10% 0.10%
commonWEALTH 
No minimum balance
0.10% 0.10%
Round UP
No minimum balance
see Round UP Savings see Round UP Savings
*Annual Percentage Yield. The APY is variable and may change after account opening without notice. Commonwealth Business Account must maintain an average daily balance of $5,000 to earn dividends. APY is accurate as of the last dividend declaration date.

Savings (including Traditional and Roth IRAs)
Account Type Dividend Rate as of December 1, 2021 Annual Percentage Yield (APY)*
Regular/Minor Savings 0.15% 0.15%
Vacation Club/Christmas Savings 0.15% 0.15%
Round UP Savings**Round up savings is only for funds transferred from the Round UP Checking account. No additional deposits allowed. Dividends paid annually and subject to change without notice. 5.00% 5.00%
Traditional/Roth IRA 0.20% 0.20%
*Annual Percentage Yield. The APY is variable and may change after account opening without notice. Dividends are paid and compounded Monthly. APY assuming dividends are reinvested. APY is accurate as of the last dividend declaration date.
**Round Up Savings is only for funds transferred from the Round UP Checking account. No additional deposits allowed. Dividends paid annually and subject to change without notice.


Certificates (Regular, Traditional IRA, and Roth IRA)
Term Dividend Rate as of December 1, 2021 Annual Percentage Yield (APY)*
6 months
$1,000 minimum
0.399% 0.40%
12 months
$1,000 minimum
0.648% 0.65%
18 months
$1,000 minimum
0.747% 0.75%
24 months
$1,000 minimum
0.847% 0.85%
36 months
$1,000 minimum
0.946% 0.95%
48 months
$1,000 minimum
0.995% 1.00%
60 months
$1,000 minimum
1.193% 1.20%
Grow with Me**
$250 minimum
This account is available only for members under 18 years of age. Accounts may be opened between October 1 and October 31 each year.
Please check back October 1, 2022 Please check back October 1, 2022

*Annual Percentage Yield. Dividend Rates are subject to change without notice. Dividends are paid and compounded Monthly. Substantial Penalties apply for early withdrawal. Annual Percentage Yield assuming dividends are reinvested. 
**Each member may only have one account. The maximum initial deposit is $1000. After the account is opened, additional deposits are permitted between October 1 and October 31 each year. No more than $1000 may be deposited to the account for each year that the account has been open. Early withdrawal penalties may apply. Fees may reduce earning on the account.


 

Money Market Accounts
Average Daily Balance Dividend Rate Annual Percentage Yield (APY)*
$100,000 and up 0.40% 0.40%
$50,000 to $99,999.99 0.35% 0.35%
$25,000 to $49,999.99 0.30% 0.30%
$10,000 to $24,999.99 0.20% 0.20%
$2,500 to $9,999.99 0.15% 0.15%
*Annual Percentage Yield. Dividend Rates are variable and subject to change after account opening without notice. Dividends are paid and compounded monthly based on average daily balance. Minimum balance of $2,500 required to earn the stated APY. Fees could reduce earnings. APY is accurate as of the last dividend declaration date. 

Wealth Development Certificate
  • Required monthly contribution transfer from account once per month
  • One withdrawal allowed within a 90-day period**
Term Min to Open Monthly Min/Max Annual Percentage Yield (APY)*
24 months $5.00 $20/$400 5.00%, paid annually
48 months $5.00 $20/$200 5.00%, paid annually
*Annual Percentage Yield. Accurate as of December 1, 2021. Early withdrawal penalties may reduce earnings. Funds transferred to a regular savings account at maturity. Dividend paid annually on the anniversary of the open date.
**A subsequent withdrawal in the same 90-day period will be subject to an early withdrawal penalty and the certificate will be closed.