Rates

Personal Checking, Money Market and Savings Accounts1 2

Product Type
Min Deposit Balance
Min Balance for APY
APY
Rate
No minimum
No minimum
0.05%
0.05%
No minimum
No minimum
0.05%
0.05%
$2000
$50000
0.20%
0.20%
$2000
$100000
0.20%
0.20%
$2000
$250000
0.20%
0.20%
$2000
$25000
0.15%
0.15%
$2000
$2000
0.10%
0.10%
$2000
$10000
0.10%
0.10%
No minimum
No minimum
0.20%
0.20%
$25
$25
0.05%
0.05%
No minimum
No minimum
0.05%
0.05%
No minimum
No minimum
0.05%
0.05%
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Savings Certificates/IRA Certificates3

Term
APY
Rates
1.21%
1.20%
0.95%
0.95%
0.75%
0.75%
0.55%
0.55%
0.40%
0.40%
0.30%
0.30%
0.20%
0.20%
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College Savings Certificates3

Term
APY
Rates
0.35%
0.35%
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Jumbo Savings Certificates3

Term
APY
Rates
1.26%
1.25%
1.00%
1.00%
0.80%
0.80%
0.60%
0.60%
0.45%
0.45%
0.35%
0.35%
0.25%
0.25%
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Home Equity Rates4

Product Type
Term
Rates
Up to 15 Years
4.99%
Up to 15 Years
9.25%
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Fixed Rate Mortgages5

Mortgages
Rates
APR
Points
3.125%
3.416%
1.000%
3.00%
3.447%
1.125%
3.625%
3.856%
1.000%
3.875%
4.043%
1.000%
3.875%
4.043%
1.000%
4.00%
4.170%
1.000%
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Variable Rate Mortgages5

Mortgages
Rates
APR
Points
3.75%
3.232%
1.000%
4.125%
3.484%
1.000%
4.125%
3.484%
1.000%
4.25%
3.694%
1.000%
4.375%
5.875%
1.000%
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Consumer Loan Rates6

Product Type
Term
Rates
Up to 48 Months
12.25%
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Vehicle Loan Rates7

Product Type
Term
Rates
Up to 36 Months
1.99%
Up to 36 Months
1.99%
Up to 63 Months
2.74%
Up to 75 Months
2.74%
Up to 63 Months
2.74%
Up to 75 Months
2.74%
Up to 63 Months
2.84%
Up to 75 Months
2.99%
Up to 63 Months
3.09%
Up to 63 Months
3.09%
Up to 63 Months
3.09%
Up to 75 Months
3.24%
Up to 75 Months
3.24%
Up to 75 Months
3.24%
Up to 63 Months
3.34%
Up to 63 Months
3.34%
Up to 75 Months
3.49%
Up to 75 Months
3.49%
Up to 84 Months
3.74%
Up to 63 Months
3.84%
Up to 48 Months
3.84%
Up to 63 Months
4.09%
Up to 63 Months
4.09%
Up to 48 Months
4.09%
Up to 48 Months
4.09%
Up to 84 Months
4.59%
Up to 72 Months
7.75%
Up to 48 Months
8.75%
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Recreation Loan Rates8

Consumer Loan
Term
Rates
Up to 180 Months
6.00%
Up to 180 Months
6.00%
Up to 180 Months
7.00%
Up to 60 Months
10.00%
Up to 72 Months
10.75%
Up to 48 Months
11.00%
Up to 48 Months
11.00%
Up to 60 Months
11.75%
Up to 60 Months
11.75%
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APY = Annual Percentage Yield
APR = Annual Percentage Rate
Rate = Dividend Rate
Rates subject to change without notice.
1Savings, Checking and Money Market Accounts - Dividends are declared at the end of the month for the current month and are credited and compounded monthly. Anticipated dividend rates may change due to current earnings and reserve requirements. Above are the anticipated monthly dividends for today. Rate may change after account is opened. Maintenance fees may reduce earnings on account (see Fee Schedule). Dividends are paid on the entire balance once a tier minimum is met. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures booklet.
2Dividends will be earned on this account upon fulfillment of monthly requirements. See the Desert Fusion Product page and Statements of Terms, Conditions, and disclosures booklet for details.
3Savings Certificates - Dividends are credited and compounded monthly. During the first month of the certificate term, dividends will be paid up to (but not including) the last day of the month. Dividends for the last day of the month will carry over to the next month’s dividend posting throughout the remainder of the certificate term. The APY is based on an assumption that all principal dividends will remain in the account until maturity, and no other transactions (deposits or withdrawals) occur during a term. Early withdrawal penalties apply. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures booklet.
4Actual rates and APRs depend on credit history, type of product, loan term and our internal loan policy. Interest may be tax deductible, depending on your individual circumstances. Consult your tax advisor for details. Maximum APR for a variable rate loan: 18%. Closing costs associated with most of these products are waived provided the loan is maintained for a minimum of 3 years.
5The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. The monthly payment amount shown includes principal and interest. Taxes, property insurance, and flood and mortgage insurance (if applicable) are not included in the monthly payment amount. Your actual monthly payment amount may be higher. An escrow account may be required. Your APR will vary based on your final loan amount and finance charges. An application does not constitute a rate lock.
6APR range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and term depend on credit history, type of product and our internal loan policy. Maximum APR for a variable rate loan: 18%.
7APR range: Rates listed are the lowest annual percentage rates available. Actual APRs and term depend on credit history, type of product and our internal loan policy. Maximum APR for a variable rate loan: 18%. NEW AUTO - If eligible for 84-month term, the loan amount must be at or over $20,000. SPECIAL INTEREST - Model years as listed in current "NADA Classic, Collectible and Special Interest Appraisal Guide." If eligible for 84-month term, collateral must be valued at or over $25,000 or $30,000 amount to finance. Vehicles may not have been significantly altered and must remain in U.S. NEW MOTORCYCLES - Select Make Motorcycles only up to 72 months. USED MOTORCYCLES - Select Make Motorcycles only up to 60 months.
8APR range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and term depend on credit history, type of product and our internal loan policy. NEW MANUFACTURED HOMES - Not previously owned. USED BOATS - Must be listed in N.A.D.A. Marine Appraisal Guide. NEW/USED WATERCRAFT/ATVs - Over $10,000 only up to 60 months. Maximum APR for a variable rate loan: 18%. OTHER RECREATIONAL VEHICLES - Include travel trailers, fifth wheels, camping trailers, motor homes, and truck campers.