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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 5.99% $44.32 New Auto (current model year or previous model year and less than 15,000 miles)
25 to 36 6.09% $30.47 New Auto (current model year or previous model year and less than 15,000 miles)
37 to 48 6.34% $23.65 New Auto (current model year or previous model year and less than 15,000 miles)
49 to 60 6.59% $19.61 New Auto (current model year or previous model year and less than 15,000 miles)
Up to 24 6.49% $44.55 Used Auto (less than or equal to 5 model years)
25 to 36 6.59% $30.69 Used Auto (less than or equal to 5 model years)
37 to 48 6.84% $23.88 Used Auto (less than or equal to 5 model years)
49 to 60 7.09% $19.85 Used Auto (less than or equal to 5 model years)
Up to 24 7.04% $44.79 Used Auto (5+ model years)
25 to 36 7.14% $30.95 Used Auto (5+ model years)
37 to 48 7.39% $24.13 Used Auto (5+ model years)
49 to 60 7.64% $20.11 Used Auto (5+ model years)

Lifestyle Loan Rates

Effective as of
Loan Term (in Months) APR Monthly Payment (per $1000) Loan Type
0 to 24 As low as 8.74% $45.57 Lifestyle Loans
25 to 48 9.74% $25.24 Lifestyle Loans
49 to 72 10.74% $18.91 Lifestyle Loans
73 to 84 11.74% $17.52 Lifestyle Loans

RV and Boat Loan Rates

Effective as of
Loan Term (in Months) APR Monthly Payment (per $1000) Loan Type
Up to 24 7.04% $44.79 Recreational Vehicles
25 to 36 7.14% $30.95 Recreational Vehicles
37 to 48 7.39% $24.13 Recreational Vehicles
49 to 60 7.64% $20.11 Recreational Vehicles

Motorcycle Loan Rates

Effective as of
Loan Term (in Months) APR Monthly Payment (per $1000) Loan Type
Up to 24 7.04% $44.79 Motorcycle
25 to 36 7.14% $30.95 Motorcycle
37 to 48 7.39% $24.13 Motorcycle
49 to 60 7.64% $20.11 Motorcycle

Revolving Line of Credit Rates

Effective as of
Loan Term (in Months) APR** Monthly Payment (per $1000) Loan Type
My Line of Credit (Revolving) Prime + 2.00% $25.37 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 3.04% 3.00% $1,000.00 31 days
6M 3.56% 3.50% $1,000.00 31 days
12M 3.71% 3.65% $500.00 91 days
24M 3.71% 3.65% $500.00 91 days
36M 3.71% 3.65% $500.00 182 days
48M 3.71% 3.65% $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 0.50% 0.50% $2,500.00
Tier 3 0.75% 0.75% $5,000.00
Tier 4 1.11% 1.10% $10,000.00

Sterling Fund Money Market Accounts

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 1.11% 1.10% $2,500.00
Tier 2 1.16% 1.15% $10,000.00
Tier 3 1.26% 1.25% $25,000.00

Sterling Plus Fund Money Market Accounts

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 1.16% 1.15% $10,000.00
Tier 2 1.26% 1.25% $25,000.00
Tier 3 1.61% 1.60% $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 1.11% 1.10% $2,500.00
Tier 2 1.16% 1.15% $10,000.00
Tier 3 1.26% 1.25% $25,000.00

Sterling Plus Fund

Effective as of
Tier APY Interest Rate Minimum Balance
Tier 1 1.16% 1.15% $10,000.00
Tier 2 1.26% 1.25% $25,000.00
Tier 3 1.61% 1.60% $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 3.04% 3.00% $1,000.00 31 days
6 months 3.56% 3.50% $1,000.00 31 days
12 months 3.71% 3.65% $500.00 91 days
24 months 3.71% 3.65% $500.00 91 days
36 months 3.71% 3.65% $500.00 182 days
48 months 3.71% 3.65% $500.00 182 days
Home Equity Line of Credit

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