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Rates

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Loan Rates

Rates, fees, and terms are subject to change without notice.

Auto Loan Rates

Effective as of
Loan Term APR Monthly Payment (per $1000) Loan Type
Up to 24 months 4.74% $43.76 New Auto (current model year or previous model year and less than 15,000 miles)
25 to 36 4.84% $29.90 New Auto (current model year or previous model year and less than 15,000 miles)
37 to 48 5.09% $23.08 New Auto (current model year or previous model year and less than 15,000 miles)
49 to 60 5.34% $19.03 New Auto (current model year or previous model year and less than 15,000 miles)
Up to 24 5.24% $43.98 Used Auto (less than or equal to 5 model years)
25 to 36 5.34% $30.13 Used Auto (less than or equal to 5 model years)
37 to 48 5.59% $23.30 Used Auto (less than or equal to 5 model years)
49 to 60 5.84% $19.27 Used Auto (less than or equal to 5 model years)
Up to 24 5.74% $44.21 Used Auto (5+ model years)
25 to 36 5.84% $30.36 Used Auto (5+ model years)
37 to 48 6.09% $23.53 Used Auto (5+ model years)
49 to 60 6.34% $19.50 Used Auto (5+ model years)

Lifestyle Loan Rates

Effective as of
Loan Term (in Months) APR Monthly Payment (per $1000) Loan Type
Up to 84 As low as 6.99% Lifestyle Loans
0 to 24 As low as 6.99% Lifestyle Loans
25 to 48 8.24% Lifestyle Loans
49 to 72 9.24% Lifestyle Loans
73 to 84 10.24% Lifestyle Loans

RV, Boat, and Motorcycle Loan Rates

Effective as of
Loan Term (in Months) APR Monthly Payment (per $1000) Loan Type
Up to 24 4.00% Recreational Vehicles
25 to 36 4.10% Recreational Vehicles
37 to 48 4.35% Recreational Vehicles
49 to 60 4.6% Recreational Vehicles

Revolving Line of Credit Rates

Effective as of
Loan Term (in Months) APR** Monthly Payment (per $1000) Loan Type
My Line of Credit (Revolving) As low as 9%% Personal Line of Credit (unsecured)

Other Loan Rates

Effective as of
Loan Term (in Months) APR Monthly Payment (per $1000) Loan Type
Up to 36 18.00% Short Term Loans
Up to 120 3.00% Share Secured Loans
Prime plus 1.25% Certificate Secured

Deposit Account Rates

Fees may reduce earnings on the account.

Savings Accounts

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 0.03% 0.03% $100.00
Tier 2 0.08% 0.08% $1,000.00

Checking Accounts

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 0.00% 0.00% $1,000.00
Tier 2 0.05% 0.05% $2,500.00
Tier 3 0.10% 0.10% $5,000.00

Certificate Rates

Effective as of
Term APY Interest Rate Minimum Balance Interest Penalty*
3M 0.80% 0.80% $1,000.00 31 days
6M 1.21% 1.20% $1,000.00 31 days
12M 1.81% 1.80% $500.00 91 days
24M 2.53% 2.50% $500.00 91 days
36M 2.53% 2.50% $500.00 182 days
48M 2.58% 2.55% $500.00 182 days

IRA Rates

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 0.03% 0.03% $100.00
Tier 2 0.11% 0.11% $2,500.00
Tier 3 0.15% 0.15% $5,000.00
Tier 4 0.25% 0.25% $10,000.00

Sterling Fund Money Market Accounts

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 0.10% 0.10 $2,500.00
Tier 2 0.15% 0.15 $10,000.00
Tier 3 0.20% 0.25 $25,000.00

Sterling Plus Fund Money Market Accounts

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 0.15% 0.15% $10,000.00
Tier 2 0.20% 0.25% $25,000.00
Tier 3 0.50% 0.50% $50,000.00

Business Account Rates

Fees may reduce earnings on the account.

Membership Share

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 0.03% 0.03% $100.00
Tier 2 0.08% 0.08% $1,000.00

Special Savings

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 0.03% 0.03% $100.00
Tier 2 0.08% 0.08% $1,000.00

Sterling Fund

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 0.10% 0.10% $2,500.00
Tier 2 0.15% 0.15% $10,000.00
Tier 3 0.25% 0.25% $25,000.00

Sterling Plus Fund

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 0.15 0.15 $10,000.00
Tier 2 0.25 0.25 $25,000.00
Tier 3 0.50 0.50 $50,000.00

Business Essentials

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 0.00% 0.00% $5,000.00
Tier 2 0.05% 0.05% $7,500.00
Tier 3 0.10% 0.10% $10,000.00

Business Plus

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 0.00% 0.00% $5,000.00
Tier 2 0.05% 0.05% $7,500.00
Tier 3 0.10% 0.10% $10,000.00

Business Advantage

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 0.00% 0.00% $5,000.00
Tier 2 0.05% 0.05% $7,500.00
Tier 3 0.10% 0.10% $10,000.00

Certificate Rates

Effective as of
Term APY Interest Rate Minimum Balance Interest Penalty*
3 months 0.80% 0.80% $1,000.00 31 days
6 months 1.21% 1.20% $1,000.00 31 days
12 months 1.81% 1.80% $500.00 91 days
24 months 2.53% 2.50% $500.00 91 days
36 months 2.53% 2.50% $500.00 182 days
48 months 2.58% 2.55% $500.00 182 days
Home Equity Line of Credit

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Use your home's value to finance your next big purchase

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