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Rates

Auto Loan Rates

Product
APR as low as
Maximum Term (in months)
Monthly Payment (per $1,000)
Minimum Loan Amount
New Auto or Truck
1.99%
60
$17.53
None
New Auto or Truck
2.50%
72
$14.98
None
Used Auto or Truck
2.25%
60
$17.64
None
Used Auto or Truck
2.75%
72
$15.09
None
New Motorcycle/Boat/RV
3.49%
60
$17.27
None
New Motorcycle/Boat/RV
4.00%
72
$15.42
None
Used Motorcycle/Boat/RV
3.74%
36
$29.19
None
Used Motorcycle/Boat/RV
3.74%
60
$18.08
$5,000
APR=Annual Percentage Rate. Rates listed above are the best rates for all the terms indicated and reflect the discount for payroll deduction of loan payments. Your rate may vary based on the term, loan amount and your credit history. Maximum loan term is based on the amount borrowed. Other terms may be available. Rates are subject to change without notice. Excludes current Point Breeze loans.

Mortgage Rates

Product
APR as low as
Points
Monthly Payment (per $1,000)
5 Year Fixed
2.75%
None
$17.86
10 Year Fixed
3.00%
None
$9.66
15 Year Fixed
3.375%
None
$7.09
20 Year Fixed
4.00%
None
$6.07
30 Year Fixed
4.25%
None
$4.92
5/1 Adjustable Rate
Intro 2.75%
None
--

APR=Annual Percentage Rate. Rates are subject to change without notice. Rates listed above are the lowest rates. Actual rate may vary based on term, loan amount, credit history and other factors. Rates listed are available on loans up to $417,000. Jumbo mortgages are also available. Minimum down payment is 5-10%. Speak with a representative about closing costs.


Home Equity Rates

Product
APR as low as
Points
Monthly Payment (per $1,000)
5 Year Fixed
4.25%
None
$18.54
10 Year Fixed
4.50%
None
$10.37
15 Year Fixed
4.99%
None
$7.91
20 Year Fixed
7.50%
None
$8.06
Home Equity Line of Credit
Intro 1.75%
None
--

APR=Annual Percentage Rate. Rates are subject to change without notice. Borrow up to 100% Loan-to-Value or $100,000 maximum. Rates listed above are the lowest rates. Actual rate may vary based on term, loan amount, credit history and other factors. Home Equity Line of Credit: 10-year draw, 12-year payback. Intro rate is for the first 6 months, after which the rate will adjust to Prime plus 1% with a floor of 4.00%. Thereafter the rate will adjust annually on the anniversary date of the loan. Rate ceiling is 9.00%. Speak with a representative about closing costs.


Credit Card Rates

Product
APR as low as
Annual Fee
Point Breeze Credit Card
9.95%
None

APR=Annual Percentage Rate. Rate is subject to change without notice. Rate listed above is the lowest rate available. Actual rate may vary based on individual credit history. Lowest rate available is the floor rate. See application for full disclosure.


Other Loan Rates

Product
APR as low as
Maximum Term (in months):
Monthly Payment (per $1,000):
Maximum Loan Amount:
Personal (Unsecured)
9.95%
60
$21.23
$10,000
Share/Savings Secured
5.00%
120
$10.61
$100,000
Stock Secured
7.50%
120
$11.88
$100,000
Home Improvement
7.75%
60
$20.16
$7,500

APR=Annual Percentage Rate. Rates are subject to change without notice. Rates listed above are the lowest rates. Actual rate may vary based on term, loan amount, credit history and other factors. Other terms may be available. Borrow up to 60% of stock value on Stock Secured Loans. Home Improvement Loans must meet certain qualifications. Speak with a representative for details.


Deposit Rates

Product
APR
APY
Compounded & Credited
Minimum Balance
Share/Savings
.35%
.35%
Quarterly
$10
Interest Checking
.25%
.25%
Monthly
$0
Holiday Club
.35%
.35%
Quarterly
$10
Individual Retirement (IRA)
.50%
.50%
Quarterly
$10

APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings. Regulation D requires withdrawal limits on non-transaction (savings) accounts.


Certificate of Deposit (CD) Rates

Product
APR
APY
Compounded & Credited
Minimum Balance
6 Month CD
.35%
.35%
Monthly
$500
12 Month CD
.40%
.40%
Monthly
$500
24 Month CD
.45%
.45%
Monthly
$500
36 Month CD
.59%
.60%
Monthly
$500
6 Month CD
.35%
.35%
Monthly
$10,000
12 Month CD
.40%
.40%
Monthly
$10,000
24 Month CD
.49%
.50%
Monthly
$10,000
36 Month CD
.64%
.65%
Monthly
$10,000

APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change without notice. Early withdrawal penalties will apply.

View our current Fee Schedule.