Savings Rates
| Account Type | DIVIDEND RATE | APY* | Minimum Balance to earn |
|---|---|---|---|
| REGULAR SAVINGS** | 0.10% | 0.10% | $5.00 |
| SPECIAL SAVINGS | 0.10% | 0.10% | $5.00 |
| AMPED SAVINGS | 4.89% | 5.00% | $0.01 |
| TRAILBLAZERS YOUTH BANKING*** | 2.10% | 2.12% | $5.00 |
| CLUB ACCOUNTS | 0.10% | 0.10% | $5.00 |
| IRA SAVINGS | 0.50% | 0.50% | $5.00 |
| MONEY MARKET ACCOUNT | 0.70% | 0.70% | $0.00 |
| MONEY MARKET ACCOUNT | 0.80% | 0.80% | $25,000.00 |
| MONEY MARKET ACCOUNT | 0.90% | 0.90% | $50,000.00 |
| MONEY MARKET ACCOUNT | 0.99% | 1.00% | $100,000.00 |
Effective November 17, 2025. The annual percentage yield is accurate as of the last dividend declaration date. This rate may change after the account is opened.
*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.
**$100 minimum balance to avoid a service fee. Minimum shares balance fee will be charged on aggregate savings balances of <$100 and no other services. The minimum shares balance fee is waived if the member has any different additional account under the same membership, and for primary account holders under the age of 18.
***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.
Loan Rates
| Loan Type | APR* | |
|---|---|---|
| HOME LOANS | Click here to view current rates. | |
| Home Equity Line of Credit** | 4.99% | |
| Fixed Home Equity Loan: 5 Years | 5.75% | |
| Fixed Home Equity Loan: 10 Years | 6.25% | |
| Fixed Home Equity Loan: 15 Years | 6.75% | |
| NEW AUTOS / Motorcycles - model years 2025-2026: | APR* AS LOW AS | |
| UP TO 60 MONTHS | 4.74% | |
| 61 - 72 MONTHS | 5.49% | |
| 73 - 84 MONTHS | 6.49% | |
| USED AUTOS / Motorcycles - model years 2024 and older: | APR* AS LOW AS | |
| UP TO 60 MONTHS | 4.74% | |
| 61 - 72 MONTHS | 5.49% | |
| 73 - 84 MONTHS | 6.49% | |
| OTHER LOANS | APR* AS LOW AS | |
| RV (TRAVEL TRAILER, WATERCRAFT, 4-WHEELER, SIDE BY SIDE) | 7.99% | |
| TRACTORS, GOLF CARTS, FARM EQUIPMENT, UCC | 8.29% | |
| PERSONAL LOAN | 10.99% | |
| CLASSIC VISA | 9.99% | |
| REWARDS VISA | 11.99% | |
| CREDIT BUILDER VISA | 16.99% |
Effective November 17, 2025. Rates indicate the available rate with auto payment set up. Rates based on credit score; proof of income may be required.
*APR = Annual Percentage Rate. Subject to credit approval and other conditions. Rates shown are meant to serve as examples, not as an offer. For details, contact us at 269.673.5465. Rates are subject to change without prior notification.
**Home Equity Line of Credit (HELOC) : The promotional period begins March 1, 2025. The introductory rate applies to new HELOCs only. The 4.99% APR introductory rate is fixed for 12 months. After this period, the APR becomes variable and will be based on the Prime Rate plus a margin, with a maximum APR of 18%. Estimated closing costs range from $0 to $125, excluding appraisal fees. Click here for more details.
Certificate Rates
| Certificate Term | APY* | Minimum Deposit |
|---|---|---|
| 3 MONTH CERTIFICATE | 1.10% | $50 |
| 6 MONTH CERTIFICATE | 1.51% | $50 |
| 12 MONTH CERTIFICATE | 2.17% | $50 |
| 18 MONTH CERTIFICATE | 2.17% | $50 |
| 24 MONTH CERTIFICATE | 2.12% | $50 |
| 36 MONTH CERTIFICATE | 2.33% | $50 |
| 48 MONTH CERTIFICATE | 2.53% | $50 |
| 60 MONTH CERTIFICATE | 2.73% | $50 |
| CERTIFICATE SPECIALS** | ||
| 7 MONTH CERTIFICATE | 3.65% | $50 |
| 9 MONTH CERTIFICATE | 3.75% | $50 |
| 14 MONTH CERTIFICATE | 4.14% | $50 |
| YOUTH CERTIFICATES: .75% Rate Increase for Trailblazer Members*** | ||
| 12 MONTH CERTIFICATE | 2.17% | $50 |
| 24 MONTH CERTIFICATE | 2.12% | $50 |
| 48 MONTH CERTIFICATE | 2.53% | $50 |
Certificates (CDs) : APY is accurate as of January 6, 2026, and is guaranteed for the term of the account. Minimum balance of $50, with a maximum insured deposit of $250,000. Subject to early withdrawal penalty. Dividends will be paid directly to the certificate on a monthly basis. Upon maturity, the certificate will be deposited into the Savings Account. Federally insured by NCUA.
*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after the account is opened. Fees can reduce earnings. Federally insured by NCUA.
**APY = Annual Percentage Yield. APY is accurate as of January 29, 2026. Fees may reduce earnings. To receive the promotional rate of 3.65% APY, the 7-month CD must be opened with a minimum of $50. To receive the promotional rate of 3.75% APY, the 9-month CD must be opened with a minimum of $50. To receive the promotional rate of 4.14% APY, the 14-month CD must be opened with a minimum of $50. Rates are subject to change without prior notification. Penalties will apply for withdrawal before the maturity date of the CD. Dividends are posted monthly. Limited-time offer. Federally insured by the NCUA. Call 269.673.5465 for more information.
***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.
