PERSONAL RATES
Effective: January 15, 2026
Auto/Personal Loans
| Term |
Interest Rate |
APR1 |
| 36 months |
as low as 5.40% |
as low as 5.66% |
| 60 months |
as low as 5.90% |
as low as 6.06% |
| 72 months |
as low as 6.15% |
as low as 6.29% |
1 APR is the annual percentage rate. Your actual APR may vary based on your credit qualifications, approved loan amount and repayment term. Rates are subject to change without notice. Based on an interest rate of 5.90%, a $25,000 loan would have 60 monthly payments of $484.02 and an APR of 6.06%.
Real Estate Loans
| Type |
Interest Rate |
APR2 |
| 15-year, fixed |
5.500% |
5.552% |
| 20-year, fixed |
5.875% |
5.916% |
| 30-year, fixed |
6.125% |
6.156% |
| 5x1 ARM3 |
5.375% |
6.103% |
| 7x1 ARM3 |
5.875% |
6.225% |
| Home Equity Line of Credit (HELOC)4 |
7.250% |
7.250% |
| Construction Loan |
8.000% |
9.206% |
| Residential Lot |
7.750% |
7.843% |
2APR is Annual Percentage Rate. The interest rates and APRs shown are subject to change without notice and may vary depending on loan amount, loan-to-value (LTV), credit worthiness, type of transaction and property type. Your APR will vary based on your final loan amount and finance charges.
3 ARMs are variable rate loan products, thus the APR is variable and may increase.
4 This is a variable rate loan product, thus the APR is variable and may increase.
NOW Checking
| Minimum Balance to Obtain APY5 |
APY6 |
| up to $2,499.99 |
0.10% |
| $2,500 and up |
0.10% to 0.15% |
5Minimum daily balance to earn stated APY. The minimum deposit required to open this account is $100.
6APY is Annual Percentage Yield. APY is accurate as of January 5, 2026. Rates subject to change without notice and may change after the account is opened. Fees could reduce earnings on the account.
Rewards Checking7
| Terms |
Minimum Daily Balance8 |
APY9 |
| If you meet the monthly statement cycle requirements10 |
up to $24,999.99 |
3.04% |
| If you meet the monthly statement cycle requirements10 |
$25,000.00 and up |
3.04% - 0.06% |
| If you do NOT meet the monthly statement cycle requirements10 |
No minimum |
0.05% |
7 Limit one account per household. Account owner(s) must be over 18 years of age.
8 Minimum daily balance to earn stated APY. The minimum deposit required to open this account is $100.
9 APY is Annual Percentage Yield. APY is accurate as of January 5, 2026. Rates subject to change without notice and may change after the account is opened. Fees could reduce earnings on the account.
10 To earn the rewards interest APY, you must meet these monthly statement cycle requirements: (1) You must have a minimum of ten (10) GBB credit or "signature-based" debit card transactions that post and clear your account during the statement cycle; (2) You must sign-up for e-statements and access them via online banking at least once during each statement cycle; and (3) You must have a minimum of one (1) Automated Clearing House (ACH) credit that posts to the account during the statement cycle.
Money Market
| Minimum Daily Balance11 |
APY12 |
| up to $49,999.99 |
0.50% |
| $50,000.00 - $99,999.99 |
0.50% to 0.75% |
| $100,000.00 - $249,999.99 |
0.75% to 1.21% |
| $250,000.00 - $499,999.99 |
1.21% to 1.61% |
| $500,000.00 and up |
1.61% to 3.71% |
11 Minimum daily balance to earn stated APY. The minimum deposit required to open this account is $2,500.
12 APY is Annual Percentage Yield. APY is accurate as of January 5, 2026. Rates subject to change without notice and may change after the account is opened. Fees could reduce earnings on the account.
Personal Savings
| Minimum Daily Balance13 |
APY14 |
| No minimum |
0.50% |
13 Minimum daily balance to earn stated APY. The minimum deposit required to open this account is $100.
14 APY is Annual Percentage Yield. APY is accurate as of January 5, 2026. Rates subject to change without notice and may change after the account is opened. Fees could reduce earnings on the account.
Youth Savings
| Minimum Daily Balance15 |
APY16 |
| No minimum |
0.50% |
15 Minimum daily balance to earn stated APY. The minimum deposit required to open this account is $10.
16 APY is Annual Percentage Yield. APY is accurate as of January 5, 2026. Rates subject to change without notice and may change after the account is opened. Fees could reduce earnings on the account.
CDs
Rates listed are valid for personal accounts only.
| Term17 |
Interest Rate |
APY18 |
| 3 month |
3.21% |
3.25% |
| 6 month |
3.72% |
3.75% |
| 9 month |
3.53% |
3.55% |
| 1 year |
3.21% |
3.25% |
| 18 month |
2.97% |
3.00% |
| 2 year |
2.72% |
2.75% |
| 3-5 year |
2.72% |
2.75% |
| 5-7 year |
2.72% |
2.75% |
17 The minimum deposit required to open this account is $1,000. A penalty may be imposed for early withdrawal.
18 APY is Annual Percentage Yield. APY is accurate as of January 5, 2026. The minimum balance to obtain the APY is $1,000. Fees could reduce earnings on the account.