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We have some special offers that might be just right for you.

Extra Credit Special

Apply for our Extra Credit Student Line of Credit Special and you could save up to $125 on our easy one-time application. Apply today!1

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Rates
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Rates

Save for the future with special CDs.

  Minimum to Open Interest Rate Annual Percentage Yield (APY) Balance to Earn APY Compound Method
Specials          
*13-Month CD $1,000.00 0.80% 0.80% $1,000.00 Monthly
*13-Month IRA CD $1,000.00 0.80% 0.80% $1,000.00 Quarterly
**33-Month Step Up CD $1,000.00 1.245% 1.25% $1,000.00 Monthly
**33-Month Step Up IRA CD $1,000.00 1.245% 1.25% $1,000.00 Quarterly

All interest rates and APYs are effective as of July 22, 2016. The APYs assume that all interest will remain on deposit until maturity. There is a penalty for early withdrawal. Fees may reduce earnings. CD specials may be modified or discontinued without notice.

*13-Month: The maximum deposit is $250,000 per depositor for regular CDs and $500,000 per depositor for IRA CDs. **33-Month Step Up: The depositor may request one rate adjustment during the initial term of this automatically renewable account. The new rate is equal to the rate for the 36-Month CD in place at the time. The maximum deposit is $250,000 per depositor for regular CDs and $500,000 per depositor for IRA CDs.

1Secured Extra Credit Line: No minimum draw is required. The Annual Percentage Rate (APR) is variable and may increase or decrease monthly on the billing date. The minimum Annual Percentage Rate (APR) is 4.00% and the maximum is 18.00%. The Annual Percentage Rate (APR) is based upon The Wall Street Journal Prime Rate minus .25%, but will never be lower than 4.00%. As of July 11, 2016, the Annual Percentage Rate (APR) based upon Prime Rate minus .25% is 3.25%. The interest rate for your line is based upon your creditworthiness. The minimum credit line amount is $2,500. The credit line amount depends upon the appraised value and/or equity in your collateral, which may be your home or liquid collateral you own, such as CDs, stocks, bonds, savings or life insurance. During the draw period, quarterly interest payments are required. Additional payments may be made at any time. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line. If they are not, you will be required to pay the entire outstanding balance in a single payment. Unsecured Extra Credit Line: No minimum draw is required. The Annual Percentage Rate (APR) is variable and may increase or decrease monthly on the billing date. The maximum Annual Percentage Rate (APR) is 18.00%. The Annual Percentage Rate (APR) is based upon The Wall Street Journal Prime Rate plus 2.75%. As of July 11, 2016, the Annual Percentage Rate (APR) based upon Prime Rate plus 2.75% is 6.25%. The interest rate for your line is based upon your creditworthiness. The minimum credit line amount is $2,500. During the draw period, quarterly interest payments are required. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line. If they are not, you will be required to pay the entire outstanding balance in a single payment. *A processing fee of $125 applies, however this fee will be waived for loan applications submitted before August 31, 2016. Offer subject to change without notice.


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