Today's rates

¹Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically.

Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

²Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions.

³Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000.

¹Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically.

Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Rates for model years 2021 and older may be higher.

²Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions.

³Payments listed are only examples. Payment examples are based off a used auto loan with the term & APR listed above calculating the payment per $1,000. Rates displayed are for model years 2022-2023.

Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically.

Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

¹APR=Annual Percentage Rate. Interest rates determined by individual credit history. The “As Low As” rates based upon credit scoring criteria. Rates, terms, & conditions subject to change at any time. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

²Payments listed are only examples. Payment examples based off a General Secured loan with 60-month term and APR listed above.

¹Rates listed are for Autos two years old or newer. Other rates and terms available for autos up to 4 years old. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically.

Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

²Payments listed are only examples. Payment examples are based off a Payment Saver auto loan with the term & APR listed above calculating the payment per $1,000.

¹APR = Annual Percentage Rates. Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information.

²Payments are only examples. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount.

³Cost equals discount points paid.

*Payment Examples Payments are based upon a purchase transaction with a loan-to-value of 70%, 1-unit primary residence, and a credit score of 760 or higher. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Interest rates and payments may increase after consummation.

3/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first three years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 6 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap. Example: For a $200,000 loan at 6.084% APR and discounted rate of 4.99%, the first 36 payments are $1,072.42, with 12 payments at $1,310.22 if the rate were to adjust to 6.99%, 12 payments at $1,562.11 if the rate were to adjust to 8.99%, 12 payments at $1,824.56 if the rate were to adjust to the cap of 10.99%. Example: For a $300,000 loan at 6.056% APR and discounted rate of 4.99%, the first 36 payments are $1,608.63, with 12 payments at $1,965.34 if the rate were to adjust to 6.99%, 12 payments at $2,243.16 if the rate were to adjust to 8.99%, 12 payments at $2,736.83 if the rate were to adjust to the cap of 10.99%.

5/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first five years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 5 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap. Example: For a $200,000 loan at 5.963% APR and discounted rate of 5.125%, the first 60 payments are $1,088.97, with 12 payments at $1,315.05 if the rate were to adjust to 7.125%, 12 payments at $1,553.32 if the rate were to adjust to 9.125%, 12 payments at $1,675.34 if the rate were to adjust to the cap of 10.125%. Example: For a $300,000 loan at 5.935% APR and discounted rate of 5.125%, the first 60 payments are $1,633.46, with 12 payments at $19872.57 if the rate were to adjust to 7.125%, 12 payments at $2,329.97 if the rate were to adjust to 9.125%, 12 payments at $2,513.01 if the rate were to adjust to the cap of 10.125%.

7/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first seven years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 5 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap. Example: For a $200,000 loan at 5.894% APR and discounted rate of 5.250%, the first 84 payments are $1,104.41, with 12 payments at $1,317.98 if the rate were to adjust to 7.250%, 12 payments at $1,541.77 if the rate were to adjust to 9.250%, 12 payments at $1,655.89 if the rate were to adjust to the cap of 10.250%. Example: For a $300,000 loan at 5.867% APR and discounted rate of 5.250%, the first 84 payments are $1,656.81, with 12 payments at $1976.97 if the rate were to adjust to 7.250%, 12 payments at $2,312.66 if the rate were to adjust to 9.250%, 12 payments at $2,483.84 if the rate were to adjust to the cap of 10.250%.

¹APR=Annual Percentage Rate. CLTV = Combined Loan to Value. Rates, terms, & conditions are subject to change at any time. The “As Low As” rates quoted here are for credit scores of 740+. All home equity loans are valid for loan amounts up to $50,000.

²Payments listed are examples only. Payment examples are based on a home equity loan with a 120-month term & APR above, calculating the payment per $1,000. All home equity loans require homeowners insurance. Flood insurance is required for properties in a flood zone. Tax & insurance are not included in the payment the actual payment obligation will be greater.

³The APR for the Line of Credit is variable & may change after the account is opened. Max. rate is 18% APR. Fees for a Line of Credit include an application fee of $424 unless an initial draw is $10,000 or more & a balance of $5,000 is maintained for the first year; appraisal fees may apply & range from $250 - $500; some states may charge an Intangible or Mortgage Registration Tax. This cost varies depending on the state.

¹APR=Annual Percentage Rate.

²Payments listed are examples only. Payment examples are based on a personal loan with a 60-month term & APR above, calculating the payment per $1,000.

³Interest rates determined by individual credit history. The “As Low As” rates quoted here are for credit scores of 740+. Rates, terms, & conditions subject to change at any time. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

¹APR=Annual Percentage Rate. Interest rates determined by individual credit history. The “As Low As” rates quoted here are for credit scores of 740+. Rates, terms, & conditions subject to change at any time.

²Payments listed are only examples. Payment examples are based off a home improvement loan with a 72-month term & APR listed above calculating the payment per $1,000. Tax & insurance are not included in the payment the actual payment obligation will be greater.

¹APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account. Rate is accurate as of the last dividend declaration date.

²Minimum $5 deposit required only for Prime Share. Secondary Share has no minimum balance to obtain disclosed annual percentage yield.

³Rate = dividend rate.

*Minimum balance requirements: A minimum daily balance of $25.00 must be maintained to obtain the disclosed annual percentage yield.

¹APY = Annual Percentage Yield. Rates may change after the account is opened. Rate is accurate as of last dividend declaration date. Fees may reduce earnings on the account.

³Rate = dividend rate.

¹APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Fees may reduce earnings on the account.

²Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure.

³Rate = dividend rate.

¹APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account. Rate is accurate as of last dividend declaration date. Rates and terms subject to change without notice.

²Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27^th of the previous month and the 26^th of the current month to be considered a qualifying transaction. Dividends are compounded and credited monthly and are calculated on each split based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure.

³Rate = dividend rate.

Please note: You must be at least 14 years old to open this account.

¹APY=Annual Percentage Yield. Rates may change after account is opened. Fees may reduce earnings on account. Rate is accurate as of last dividend declaration date. Account opening deposit not required. No minimum balance required to earn advertised APY.

³Rate = dividend rate.

Eligibility to contribute to an HSA is established by the following criteria: 1) Covered under a high deductible health plan (HDHP), 2) Not covered by any other health plan that is not an HDHP (with certain exceptions for plans providing preventative care and limited types of permitted insurance and permitted coverage), and 3) Not enrolled in Medicare.

¹APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account.

² Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure.

³Rate = dividend rate.

HSA Certificate – Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today.

¹APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account.

³Rate = dividend rate.

**3 Month Certificate requires a minimum deposit of $5,000.