Deposit Account & Loan Rates

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Account Rates

Rates effective as of February 17, 2026

Share Savings** & IRA Shares***

Range Rate APY*
$100 - $499.99 0.05% 0.05%
$500 - $4,999.99 0.05% 0.05%
$5,000 – $49,999.99 0.10% 0.10%
$50,000 and over 0.15% 0.15%

** Minimum of $5.00 required to open (Share Savings) account.

*** Minimum of $50.00 required to open (IRA Share) account.

Club Accounts**

Range Rate APY*
$100 – $499.99 0.05% 0.05%
$500 – $4,999.99 0.05% 0.05%
$5,000 – $49,999.99 0.10% 0.10%
$50,000 and over 0.15% 0.15%

** Minimum of $5.00 required to open account.

Shared Draft Checking1 / Secure Checking‡ / Secure Plus Checking╪

Range Rate APY*
$1,000 – $4,999.99 0.05% 0.05%
$5,000 and over 0.05% 0.05%

1 Share Draft is for members that OPTOUT of the security fee.

‡ Monthly Service Charge $1.99

╪ Monthly Serrvice Charge $3.99

Money Management†

Range Rate APY*
$2,500 – $4,999.99 0.40% 0.40%
$5,000 – $49,999.99 0.45% 0.45%
$50,000 – $99,999.99 0.65% 0.65%
$100,000 – 249,999.99 0.95% 0.95%
$250,000 and over 1.05% 1.06%

† Minimum of $2,500.00 required to open account.

Share IRA Certificates

Range Rate APY*
12 month 2.88% 2.92%
24 month 3.03% 3.07%
36 month 2.52% 2.55%

Minimum of $500 required to open account. All terms are subject to early withdrawal penalty and or fees which may reduce earnings.

Share Certificates

Range Rate APY*
3 month 0.70% 0.70%
6 month 1.90% 1.91%
12 month 2.88% 2.92%
18 month: $500 – $9,999.99 3.03% 3.07%
18 month: $10,000 – $29,999.99 3.03% 3.07%
18 month: $30,000 – over 3.03% 3.07%
60 month: $500 – $9,999.99 2.52% 2.55%
60 month: $10,000 – $39,999.99 2.52% 2.55%
60 month: $40,000 – $69,999.99 2.52% 2.55%
60 month: $70,000 – $99,999.99 2.52% 2.55%
60 month: $100,000 and over 2.52% 2.55%

Minimum of $500 required to open account. All terms are subject to early withdrawal penalty and or fees which may reduce earnings.

* APY= Annual Percentage Yield

Your final rate may be different than what is shown above. Rates are subject to change without notice. For up-to-date rates 24 hours a day, simply call TellerLine24 at 305-471-5335 or 800-696-5962.

Loan Rates

Rates effective as of February 17, 2026

Signature Loan

Term APR Min. Loan Amount
Up to 60 months As low as
10.49%		 $500.00

As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.

County Line of Credit

Term APR Min. Loan Amount
No Term 10.74% $2,500.00

VISA Platinum Credit Card

Term APR
Revolving As low as
11.40%

Shared Secured Loan

Term APR Min. Loan Amount
60 Months 2.5% above the Highest Dividend $500.00

Certificate Secured Loan

Term APR Min. Loan Amount
Up to Maturity of Certificate 2.5% above the Certificate Rate $500.00

New Auto Loans

Term APR Min. Loan Amount
36 Months As low as
3.49%		 $5,000.00
48 Months As low as
4.24%		 $5,000.00
60 Months As low as
4.49%		 $5,000.00
66 Months As low as
4.74%		 $5,000.00
72 Months As low as
4.99%		 $5,000.00
75 Months As low as
5.24%		 $5,000.00
78 Months As low as
5.49%		 $5,000.00
84 Months As low as
5.74%		 $20,000.00
96 Months As low as
6.69%		 $85,000.00

As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only.

Used Auto Loans

Term APR Min. Loan Amount
36 Months As low as
3.99%		 $5,000.00
48 Months As low as
4.74%		 $5,000.00
60 Months As low as
4.99%		 $5,000.00
66 Months As low as
5.24%		 $5,000.00
72 Months As low as
5.49%		 $5,000.00
75 Months As low as
5.74%		 $5,000.00
78 Months As low as
5.99%		 $5,000.00

As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).

New & Used Motorcycle Loans

Type/Term APR Min. Loan Amount
New - up to 60 months As low as
4.00%		 $5,000.00
Used - up to 60 Months As low as
5.00%		 $5,000.00

As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.

New & Used RV Loans

Type/Term APR Min. Loan Amount
New - up to 84 months As low as
4.75%		 $20,000.00
Used - up to 60 months As low as
5.75%		 $5,000.00

As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.

New & Used Boat Loans

Type/Term APR Min. Loan Amount
New - up to 72 months As low as
7.49%		 $5,000.00
Used - up to 72 months As low as
8.00%		 $5,000.00

As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.

Camping Unit & Travel Trailer Loans

Type/Term APR Min. Loan Amount
New - up to 72 months As low as
6.75%		 $5,000.00
Used - up to 60 months As low as
7.75%		 $5,000.00

As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), Checking Account.

____________________________________________________________________________________________________________________________________

APR = Annual Percentage Rate. Automatic deposit of full paycheck and debit of loan payment required to qualify for your lowest rate. The discount on loan rates cannot be combined with any other special offer or promotion.

Term = The repayment period for all loan types varies.

Business Accounts

Rates effective as of June 1, 2026

Business Share

Range Rate APY*
$100 - $499.99 0.05% 0.05%
$500 – $999.99 0.10% 0.10%
$1,000 – $4,999.99 0.10% 0.10%
$5,000 and over 0.15% 0.15%

Minimum of $5.00 required to open account.

Simple Business Checking

Range Rate APY*
$3,000 and over 0.05% 0.05%

Minimum of $30.00 required to open account.

Business Money Management

Range Rate APY*
$2,500 – $249,999.99 1.24% 1.25%
$250,000 – $499,999.99 1.49% 1.50%
$500,000 – $999,999.99 3.449% 3.50%
$1,000,000 and over 3.69% 3.75%

Minimum of $2,500.00 required to open account.

*Annual Percentage Yield
Your final rate may be different than what is shown above. Rates are subject to change without notice. For up-to-date rates 24 hours a day, simply call TellerLine24 at (305)471-5335 or (800)696-5962.