Loan Rates

Effective as of November 18, 2020

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

Auto Loan Rates

Loan Term (in months) APR Monthly Payment (per $1000) Loan Type
up to 24 As low as 3.99% $43.42 New Auto (less than 15,000 miles)
25 to 36 As low as 4.09% $29.56 New Auto (less than 15,000 miles)
37 to 48 As low as 4.34% $22.73 New Auto (less than 15,000 miles)
49 to 60 As low as 4.59% $18.68 New Auto (less than 15,000 miles)
up to 24 As low as 4.49% $43.64 Used Auto (less than 5 model years)
25 to 36 As low as 4.59% $29.79 Used Auto (less than 5 model years)
37 to 48 As low as 4.84% $22.96 Used Auto (less than 5 model years)
49 to 60 As low as 5.09% $18.91 Used Auto (less than 5 model years)
Up to 24 As low as 4.99% $43.87 Used Auto (5+ model years)
25 to 36 As low as 5.09% $30.01 Used Auto (5+ model years)
37 to 48 As low as 5.34% $23.18 Used Auto (5+ model years)
49 to 60 As low as 5.59% $19.14 Used Auto (5+ model years)

APR = Annual Percentage Rate

The annual percentage rate you pay will be based on the number of months your loan is financed, loan type, the type of collateral, the loan-to value ratio, and your credit history.

 

Lifestyle Loan Rates

Loan Term (in months) APR Monthly Payment (per $1000) Loan Type
Up to 84 months As low as 6.49% Lifestyle Loans
0 to 24 As low as 6.49% Lifestyle Loans
25 to 48 As low as 7.49% Lifestyle Loans
49 to 72 As low as 8.49% Lifestyle Loans
73 to 84 As low as 9.49% Lifestyle Loans

APR = Annual Percentage Rate

The annual percentage rate you pay will be based on the number of months your loan is financed, loan type, the type of collateral, the loan-to-value ratio, and your credit history.

 

RV & Boat Loan Rates

Loan Term (in months) APR Monthly Payment (per $1000) Loan Type
Up to 24 As low as 4.99% $43.87 Recreational Vehicles
25 to 36 As low as 5.09% $30.01 Recreational Vehicles
37 to 48 As low as 5.34% $23.18 Recreational Vehicles
49 to 60 As low as 5.59% $19.14 Recreational Vehicles

APR = Annual Percentage Rate

The annual percentage rate you pay will be based on the number of months your loan is financed, loan type, the type of collateral, the loan-to-value ratio, and your credit history.

 

Revolving Line of Credit Rates

Loan Term (in months) APR Monthly Payment (per $1000) Loan Type
My Line of Credit (Revolving) As low as 7.0%** Personal Line of Credit (unsecured)

APR = Annual Percentage Rate

**Rate subject to change after closing. 

 

Other Loan Rates

Loan Term (in months) APR Monthly Payment (per $1000) Loan Type
Up to 12 months 18.00% Short Term Loans
Up to 120 3.00% Share Secured Loans
Prime plus 1.25% Certificate Secured

APR = Annual Percentage Rate

The annual percentage rate you pay will be based on the number of months your loan is financed, loan type, the type of collateral, the loan-to-value ratio, and your credit history.

 

Deposit Account Rates

Effective as of November 18, 2020

Fees may reduce earnings on the account.

 

Savings Accounts

Tier APY Interest Rate Minimum Balance
Tier 1 0.05% 0.05% $100.00
Tier 2 0.10% 0.10% $1,000.00

Savings Accounts: Share, Special Savings, Christmas/Holiday Club, Summer Paycheck/Vacation

APY = Annual Percentage Yield

Deposits are paid interest at the disclosed rate. All APYs may change monthly.

 

Checking Accounts

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

APY = Annual Percentage Yield

Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.


Certificate Rates

Term APY Interest Rate Minimum Balance Interest Penalty
3 months 0.25% 0.25% $1,000.00 31 days
6 months 0.30% 0.30% $1,000.00 31 days
12 months 0.35% 0.35% $500.00 91 days
24 months 0.40% 0.40% $500.00 91 days
36 months 0.50% 0.50% $500.00 182 days
48 months 0.60% 0.60% $500.00 182 days

APY = Annual Percentage Yield

All rates and terms are subject to change at any time.

 

 

IRA Rates

Tier APY Interest Rate Minimum Balance
Tier 1 0.05% 0.05% $100.00
Tier 2 0.15% 0.15% $2,500.00
Tier 3 0.20% 0.20% $5,000.00
Tier 4 0.25% 0.25% $10,000.00

APY = Annual Percentage Yield

Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.

 

Sterling Fund Money Market Accounts

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% 0.20% $25,000.00

Sterling Plus Fund Money Market Accounts

Tier APY Interest Rate Minimum Balance
Tier 1 0.20% 0.20% $10,000.00
Tier 2 0.25% 0.25% $25,000.00
Tier 3 0.30% 0.30% $50,000.00

Monthly fee charged for balances under $25,000.00. 

APY = Annual Percentage Yield

Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.

 

Business Account Rates

Fees may reduce earnings on the account.

 

Savings Rates

Membership Share

Tier APY Interest Rate Minimum Balance
Tier 1 0.05% 0.05% $100.00
Tier 2 0.10% 0.10% $1,000.00

Special Savings

Tier APY Interest Rate Minimum Balance
Tier 1 0.05% 0.05% $100.00
Tier 2 0.10% 0.10% $1,000.00

Sterling Fund

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% 0.20% $25,000.00

 Sterling Plus Fund

Tier APY Interest Rate Minimum Balance
Tier 1 0.20% 0.20% $10,000.00
Tier 2 0.25% 0.25% $25,000.00
Tier 3 0.30% 0.30% $50,000.00

APY = Annual Percentage Yield

Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.

 

Checking Rates

Business Essentials

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

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

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

APY = Annual Percentage Yield

Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.

 

Certificate Rates

Term APY Interest Rate Minimum Balance Interest Penalty
3M 0.25% 0.25% $1000.00 31 Days
6M 0.30% 0.30% $1,000.00 31 days
12M 0.35% 0.35% $500.00 91 days
24M 0.40% 0.40% $500.00 91 days
36M 0.50% 0.50% $500.00 182 days
48M 0.60% 0.60% $500.00 182 days

APY = Annual Percentage Yield

All rates and terms are subject to change at any time.

Membership Shares (suffix 0) earns dividends and reflects a dividend rate. All other savings/deposits are paid interest at the disclosed rate.