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Rates


Auto and Truck Loan Rates

Product
APR as low as
Maximum Term (in months)
Monthly Payment (per $1,000)
Minimum Loan Amount
New Auto or Truck
1.74%
60
$17.42
None
New Auto or Truck
2.00%
72
$14.76
None
Used Auto or Truck
1.74%
60
$17.42
None
Used Auto or Truck
2.00%
72
$14.76
None

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.


Motorcycle Boat and RV Loan Rates

Product
APR as low as
Maximum Term (in months)
Monthly Payment (per $1,000)
Minimum Loan Amount
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
2.875%
None
$9.60
15 Year Fixed
3.00%
None
$6.91
20 Year Fixed
3.625%
None
$5.87
30 Year Fixed
3.875%
None
$4.71
5/1 Adjustable Rate
Intro 2.50%
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 Loan 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 (HELOC)
Intro 0.99%
None
--
Interest Only HELOC
Intro 0.99%
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, 10-year payback. The APR in effect after the expiration of the introductory rate is based on the value of an index. The index is the Prime Rate and is published in the Wall Street Journal. The introductory rate is for the first 6 months, after which the rate will adjust to the Prime Rate with a floor of 3.25% APR. Thereafter the rate will adjust annually on the anniversary date of the loan to the Prime Rate. Rate ceiling is 8.25% APR. Minimum loan amount is $7,500. Maximum loan amount is up to 80% loan-to-value or $250,000. Interest Only HELOC: 10-year draw, 10-year payback. The APR in effect after the expiration of the introductory rate is based on the value of an index. The index is the Prime Rate and is published in the Wall Street Journal. The introductory rate is for the first 6 months, after which the rate will adjust to the Prime Rate with a floor of 3.25% APR. Thereafter the rate will adjust annually on the anniversary date of the loan to the Prime Rate. Rate ceiling is 8.25% APR. You may pay only the interest on the money you borrow for 10 years from the date the loan is established (draw period). Minimum payment will not repay principal, which will result in your payment increasing at the end of the 10-year draw period. Minimum loan amount is $7,500. Maximum loan amount is up to 80% loan-to-value or $250,000. Speak with a representative about closing costs.


Visa® Credit Card Rate

Product
APR as low as
Annual Fee
Point Breeze Visa® 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.


Personal (Unsecured) Loan Rate

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

APR=Annual Percentage Rate. Rate is subject to change without notice. Rate listed above is the lowest rate. Actual rate may vary based on term, loan amount, credit history and other factors. Other terms may be available.


Share/Savings Secured Loan Rate

Product
APR as low as
Maximum Term (in months)
Monthly Payment (per $1,000)
Maximum Loan Amount
Share/Savings Secured
5.00%
120
$10.61
$100,000

APR=Annual Percentage Rate. Rate is subject to change without notice. Rate listed above is the lowest rate. Actual rate may vary based on term, loan amount, credit history and other factors. Other terms may be available.


Home Improvement Loan Rate

Product
APR as low as
Maximum Term (in months)
Monthly Payment (per $1,000)
Maximum Loan Amount
Home Improvement
7.75%
60
$20.16
$7,500

APR=Annual Percentage Rate. Rate is subject to change without notice. Rate listed above is the lowest rate. Actual rate may vary based on term, loan amount, credit history and other factors. Other terms may be available. Home Improvement Loans must meet certain qualifications. Speak with a representative for details.


Savings

Product
APR
APY
Compounded & Credited
Minimum Balance
Share/Savings
.35%
.35%
Quarterly
$10
Holiday Club
.35%
.35%
Quarterly
$10

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


Checking

Product
APR
APY
Compounded & Credited
Minimum Balance
Interest Checking
.25%
.25%
Monthly
$0

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


Individual Retirement (IRA)

Product
APR
APY
Compounded & Credited
Minimum Balance
Individual Retirement (IRA)
.50%
.50%
Quarterly
$10

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


Certificate of Deposit

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