Rates
We don't publish rate figures on this website, and we would rather explain why than let it look like an oversight.
Rates move — sometimes weekly, and for some products more often than that. A number printed on a web page is out of date the moment it changes, and the people most likely to be hurt by a stale number are the ones who planned around it. We would rather tell you today's number today.
Call any branch or stop in, and you will get the current rate for your situation, your term, and your credit profile — which is the only rate that actually applies to you anyway.
What we offer rates on
| Product | Term range | Current rate |
|---|---|---|
| Regular savings | — | Ask a branch |
| Money market | Tiered by balance | Ask a branch |
| Share certificates | 6, 12, 24, 36, 60 months | Ask a branch |
| New auto | Up to 72 months | Ask a branch |
| Used auto | Up to 66 months | Ask a branch |
| Auto refinance | Remaining term | Ask a branch |
| Personal loan | 12 to 60 months | Ask a branch |
| Credit card | Revolving | Ask a branch |
What moves a rate for you
Term length, first. A shorter loan almost always carries a lower rate and a higher payment, and people routinely choose the longer term without being shown what it costs over the life of the loan. Ask for the total, both ways.
Your history with us counts here more than it would elsewhere. We can see it, and a person reads it.
And the vehicle, on an auto loan. A fifteen-year-old truck and a two-year-old sedan are not the same loan, whatever your credit looks like.
A note on comparison
If you are shopping, ask every lender for the same three things: the rate, the term, and the total you will pay over the life of the loan. The third one is the number that tells you the truth, and it is the one least often volunteered.