Loan Rates
Effective as of September 16, 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 September 16, 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 | 0.45% | 0.45% | $500.00 | 91 days |
| 36 months | 0.55% | 0.55% | $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 | 0.45% | 0.45% | $500.00 | 91 days |
| 36M | 0.55% | 0.55% | $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.
