Current Rates

New/Used Cars & Trucks

Rates As Low As*

Model Year37 Months50 Months65 Months72 Months84 Months
2015 & Newer3.74%3.99%4.24%4.49%4.49%
2014 - 20124.24%4.49%4.74%5.24%--

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.
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Motorcycles

Rates As Low As*

1200cc or larger

Model Year37 Months50 Months65 Months72 Months84 Months
2015 & Newer3.74%3.99%4.24%4.49%4.49%
2014 - 20124.24%4.49%4.74%5.24%--

under 1200cc

Model Year37 Months50 Months65 Months
2015 & Newer5.74%5.99%6.24%
2014 - 2012--6.99%--

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.
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RVs, Motor Homes, Travel Trailers, Pop Up Campers

Rates As Low As*
Motor Homes

Model Year37 Months50 Months65 Months72 Months84 Months
2015 & Newer3.74%3.99%4.24%4.49%4.49%
2014-20124.24%4.49%4.74%5.24%--

RVs/Travel Trailers
Model Year37 Months50 Months65 Months
2015 & Newer4.99%5.24%5.49%
2014 - 20126.24%6.49%--

Pop Up Campers
Model Year37 Months50 Months65 Months
2015 & Newer5.74%5.99%6.24%
2014 - 2012--6.99%--

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.
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Boats

Rates As Low As*

Model Year37 Months50 Months65 Months
2015 & Newer4.99%5.24%5.49%
2014 - 20126.24%6.49%--

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.
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ATVs, Jet skis, Snowmobiles, Lawn Tractors

Rates As Low As*

Model Year37 Months50 Months65 Months
2015 & Newer5.74%5.99%6.24%
2014 - 2012--6.99%--

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.
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Mortgage Rates

Real Estate rates are accurate as of the date shown and subject to change without notice. Some rates may require the payment of points. Rates and terms assume owner-occupied, single-family property for the loan amount. The home loan rates and terms listed here are example only and are subject to change without notice. Rates may vary due to subject property, loan characteristics, credit qualifications and other factors. Property and flood insurance may be required. Example is for purchase only. Please contact our Real Estate Department at (563) 557-5001 ext. 4840 or (800) 475-1331 for up to the minute information. Rates last updated: January 18, 2019

TypeTermPointsRateAnnual Percentage Rate (APR)
15 Year Fixed15 Years03.625%3.7228%
20 Year Fixed20 Years04.000%4.0770%
30 Year Fixed30 Years04.250%4.3063%
FHA Loan30 Years04.000%4.2038%
VA Loan30 Years04.250%4.4918%
USDA Loan30 Years0unavailableunavailable

Example Terms of Repayment based on loan amount of $150,000
15-year fixed rate mortgage at the stated rate equals 180 payments of $7.22 per $1,000 borrowed.
30-year fixed rate mortgage at the stated rate equals 360 payments of $4.94 per $1,000 borrowed.
Other rates and terms available. Please call (563) 582-1331 or (800) 475-1331.

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Home Equity Plus Line of Credit

Rates As Low As*

 RateTypeTerm
Home Equity Plus Line of Credit4.99%Variable**Based on the loan amount borrowed.

*Rates are stated as Annual Percentage Rate (APR).  The APR you receive will be based upon creditworthiness criteria.  Rates are subject to change without notice.
**May adjust quarterly based on 13 week Treasury Bill rounded up to the next 1/4% + Margin.  Maximum rate of 18% APR.  Rate may vary after account is opened. A fee for appraisal may be required and can average between $150-$450. Property insurance is required.  Finance charges begin to accrue on the day a draw is taken. No grace period applies.

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Lot Loans

TypeTermPointsRateAnnual Percentage Rate (APR)
Lot Loan - $35,000 (75% LTV)3 year balloon, 10 year amortization04.25%6.1875
Lot Loan - $35,000 (80% LTV)3 year balloon, 10 year amortization04.99%6.9358%

*The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
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Credit Cards

Rates as of January 1, 2019

Card TypeAnnual Percentage RateRate Type
Platinum Rewards Mastercard9.99%Variable*
Choice Mastercard11.49%Variable**
Choice Mastercard14.90%Non-Variable
Business Platinum Rewards Mastercard8.24%Variable***

*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 7.74%. The effective date of any changes will be on the cycle date in February, May, August and November.
**VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next highest 1/4% plus a margin of 9.24%. The effective date of any changes will be on the cycle date in February, May, August and November.

***VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 5.49%. The APR will not be lower than 8.24%. The effective date of any changes will be on the cycle date in February, May, August and November.
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Certificates of Deposit (CD)

Rates as of January 1, 2019

CDMarketplace

 StandardEcoPlus Account Bonus**
Dividends CalculatedQuarterlyQuarterly
Dividends PaidQuarterlyQuarterly
Minimum Opening Deposit$1000$1000
Term of CertificateDividend RateAPY*Dividend RateAPY*
Specials
31 Months***2.55%2.57%N/AN/A
58 Months***3.00%3.03%N/AN/A
6 Months0.80%0.80%1.05%1.05%
12 Months1.19%1.20%1.44%1.44%
18 Months1.39%1.40%1.64%1.65%
24 Months1.54%1.55%1.79%1.80%
30 Months1.65%1.66%1.90%1.91%
36 Months1.75%1.76%2.00%2.02%
48 Months1.90%1.91%2.15%2.17%
60 Months2.23%2.25%2.48%2.50%


*APY = Annual Percentage Yield
**Checking accounts require an opening deposit of $25. Rate may change after the account is opened.
***31 month CD will automatically renew for 30 months at the rate in effect at maturity, 58 month CD will automatically renew for 60 months at the rate in effect at maturity.  Youth Savers are allowed minimum deposit of $500. Rates are subject to change without notice.
Early withdrawal penalties may be imposed.
Not valid for brokered deposits, institutional investors, business accounts, or Public Funds.

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Checking Account

Dividend Yields as of December 31, 2018

Relationship Checking Account Balance*Dividend RateAPY**Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$10000.00%0.00%Avg. Daily Bal.QuarterlyNone
$1000 to $9999.990.45%0.45%Avg. Daily Bal.Quarterly$1000
$10,000 and above0.55%0.55%Avg. Daily Bal.Quarterly$10,000

*Value Checking and EcoPlus accounts do not earn dividends on any balance.
**APY = Annual Percentage Yield
Checking accounts require an opening deposit of $25.
Rate may change after the account is opened.
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Relationship Business Checking Account

Dividend Yields as of December 31, 2018

Tier BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$20000.00%0.00%Avg. Daily Bal.QuarterlyNone
$2000 to $9999.990.45%0.45%Avg. Daily Bal.Quarterly$2000
$10,000 to $49,999.990.55%0.55%Avg. Daily Bal.Quarterly$10,000
$50,000 and above0.70%0.70%Avg. Daily Bal.Quarterly$50,000

*APY = Annual Percentage Yield
Minimum opening deposit of $100.
Rate may change after the account is opened.
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High Yield Checking

Dividend Yields as of January 1, 2019

High Yield Checking BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $25000.00%0.00%Avg. Daily Bal.MonthlyNone
$2500 to $9999.990.45%0.45%Avg. Daily Bal.Monthly$2500
$10,000 to $24,9990.55%0.55%Avg. Daily Bal.Monthly$10,000
$25,000 to $49,999.990.55%0.55%Avg. Daily Bal.Monthly$25,000
$50,000 and above0.65%0.65%Avg. Daily Bal.Monthly$50,000

*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.
Rate may change after the account is opened.
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Share Savings & Sub-Share Savings

Dividend Yields as of December 31, 2018

Share BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY**
<$50000.45%0.45%Avg. Daily Bal.Quarterly$100
$5000 to $24,999.990.55%0.55%Avg. Daily Bal.Quarterly$5000
$25,000 and above0.65%0.65%Avg. Daily Bal.Quarterly$25,000

*APY = Annual Percentage Yield
** Minimum balance does not apply to members under age 18.
Minimum opening deposit for share savings account is $5.
Rate may change after the account is opened.
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Money Market Savings

Dividend Yields as of January 1, 2019

Money Market BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $25000.00%0.00%Avg. Daily Bal.MonthlyNone
$2500 to $9999.990.50%0.50%Avg. Daily Bal.Monthly$2500
$10,000 to $24,999.990.60%0.60%Avg. Daily Bal.Monthly$10,000
$25,000 to $49,999.990.70%0.70%Avg. Daily Bal.Monthly$25,000
$50,000 and above0.80%0.80%Avg. Daily Bal.Monthly$50,000

*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.
Rate may change after the account is opened.
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IRA Savings, Holiday/Vacation Club, Escrow Accounts

Dividend Yields as of December 31, 2018

Account TypeDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
IRA1.20%1.21%Avg. Daily Bal.QuarterlyNo Minimum
Christmas/Holiday Club0.45%0.45%Avg. Daily Bal.QuarterlyNo Minimum
Vacation Club0.45%0.45%Avg. Daily Bal.QuarterlyNo Minimum
Escrow0.45%0.45%Avg. Daily Bal.QuarterlyNo Minimum

*APY = Annual Percentage Yield
Rate may change after the account is opened.
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Business Share Savings

Dividend Yields as of December 31, 2018

Tier BalanceDividend RateAPY**Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$50000.45%0.45%Avg. Daily Bal.Quarterly$100
$5000 to $24,999.990.55%0.55%Avg. Daily Bal.Quarterly$5000
$25,000 and above0.65%0.65%Avg. Daily Bal.Quarterly$25,000

*APY = Annual Percentage Yield
Rate may change after the account is opened.
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Health Savings Accounts

Dividend Yields as of January 1, 2019

Health Savings BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $25000.45%0.45%Avg. Daily Bal.MonthlyNone
$2500 to $9999.990.45%0.45%Avg. Daily Bal.Monthly$2500
$10,000 to $24,999.990.55%0.55%Avg. Daily Bal.Monthly$10,000
$25,000 to $49,999.000.60%0.60%Avg. Daily Bal.Monthly$25,000
$50,000 and above0.65%0.65%Avg. Daily Bal.Monthly$50,000

*APY = Annual Percentage Yield
Minimum opening deposit of $25.
$2.00 monthly service fee if balance is less than $1,000.
Rate may change after the account is opened.
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