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Rates subject to change. Effective as of March 1,  2019

APY = Annual Percentage Yield

APR = Annual Percentage Rate


Accounts

Account Type Balance APY Dividend Rate
Share Savings Account $5 minimum balance for membership 0.10% 0.10%
Boost Checking $1,000 or greater 0.50% 0.499%
Special Savings N/A 0.10% 0.10%
Christmas Club N/A 0.10% 0.10%
IRA/Roth Share N/A 0.10% 0.10%

For the purposes of this disclosure, this is a rate and APY that were offered within the most recent seven calendar days. The Dividend Rate(s) and Annual Percentage Yields(s) shown herein are current as of the effective date. For more current rates, please call (636) 978-8800.

Money Market Learn More

Balance APY Dividend Rate
$1,000.00 – $9,999.99 0.10% 0.10%
$10,000 – $49,999.99 0.20% 0.199%
$50,000 or greater 0.25% 0.249%

For the purposes of this disclosure, this is a rate and APY that were offered within the most recent seven calendar days. The Dividend Rate(s) and Annual Percentage Yields(s) shown herein are current as of the effective date. For more current rates, please call (636) 978-8800.

IRA/Roth Certificate Learn More

Balance Term APY Dividend Rate
$1,000 Minimum 1 Year 1.25% 1.23%
$1,000 Minimum 2 Year 1.70% 1.69%
$1,000 Minimum 3 Year 2.00% 1.98%
$1,000 Minimum 4 Year 2.25% 2.23%
$1,000 Minimum 5 Year 2.50% 2.47%

Share Certificates Learn More

Balance Term APY Dividend Rate
$1,000 Minimum 90 Day 0.60% 0.599%
$1,000 Minimum 6 Month 0.80% 0.797%
$1,000 Minimum 1 Year 1.25% 1.23%
$1,000 Minimum 18 Month 1.35% 1.34%
$1,000 Minimum 2 Year 1.70% 1.69%
$1,000 Minimum 3 Year 2.00% 1.98%
$1,000 Minimum 4 Year 2.25% 2.23%
$1,000 Minimum 5 Year 2.50% 2.47%

For the purposes of this disclosure, this is a rate and APY that were offered within the most recent seven calendar days. The Dividend Rate(s) and Annual Percentage Yields(s) shown herein are current as of the effective date. For more current rates, please call (636) 978-8800.

Penalty applies for early withdrawal

New & Used Vehicles Learn More

Vehicles Max Value APR As Low As1
New / Used Vehicles
5 years old or newer
120% of MSRP/NADA Value 3.99%
Legacy Vehicles
6–8 years old
110% of NADA Value 5.49%
Legacy Vehicles
9–12 years old
100% of NADA Value 6.99%
Legacy Vehicles
13+ years old
90% of NADA Value* 8.99%
Classic, Exotic, Antique, Kit Autos 100% of Appraised Value 6.85% 

1Loan rates are determined by base rate plus credit score risk factors. Terms greater than 48 months require a minimum loan balance.

*Vehicles 13 years and older are subject to additional guidelines regarding term and max loan to value.

Recreational Vehicles Learn More

Vehicles Max Value APR As Low As1
New/Used Motorcycles/ATV's 110% MSRP/NADA 4.25%
New/Used Boats 100% MSRP/NADA 4.25%
New/Used RVs and Travel Campers 100% MSRP/NADA 4.25%

1Loan rates are determined by base rate plus credit score risk factors. Terms greater than 48 months require a minimum loan balance.

Visa® Credit Cards Learn More

Credit Card Minimum Credit Line APR
Visa® Platinum $5,000 7.90%
Visa® Select $250 10.90%

Home Equity Learn More

Type Range APR As Low As2
Closed End Fixed Rate $5,000 – $100,000 7.50%
Open End Variable Rate Line of Credit $5,000 – $100,000 6.50% 

2Loan rates for Home Equities are determined by current Prime rate (index) plus a margin based on credit score/risk factors.

Miscellaneous Secured Loans Learn More

Type Term APR As Low As
Share Secured Up to 36 Months Current Dividend Rate + 2.00%
Share Secured 37 – 84 Months Current Dividend Rate + 3.00%
Share Secured 85 – 120 Months Current Dividend Rate + 4.00%
Share Secured 121 – 180 Months Current Dividend Rate + 5.00%
Share Secured 1 Year Term Loan Current Dividend Rate + 3.00%
Certificate Secured Installment (based on certificate maturity) Rate of Certificate + 2.00%
Certificate Secured 1 Year Term Loan Rate of Certificate + 3.00%

Loan rates are determined by base rate plus credit score risk factors.

Miscellaneous Unsecured Loans Learn More

Type Term APR
Signature Up to 60 Months 10.99%*
Signature 90 Day Term Loan 10.99%*
Signature Ready Cash Line-of-Credit (Revolving) 11.49%

Loan rates are determined by base rate plus credit score risk factors.