Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Rates effective as of 06/30/2014.

Rates are subject to change.

Fees may reduce earnings.


Savings Account

AmountTypeMinimum Deposit
To Open
Minimum Balance
To Earn APY
APY
$100 to $999.99 Variable$50.00$100.000.00%
$1000 to $2,499.99Variable$50.00$100.000.10%
$2,500+ Variable$50.00$100.000.10%

Smart Start Checking

TypeMinimum Deposit
To Open
Minimum Balance
To Earn APY
APY
Variable$0.00$1,000.000.10%

Checking earns dividends on the daily average balance, which is paid quarterly.

Money Market

AmountTypeMinimum Deposit
To Open
Minimum Balance
To Earn APY
APY
$1,000 to $9,999.99Variable$1,000$1,0000.10%
$10,000 to $49,999.99 Variable$10,000$10,0000.15%
$50,000 to $99,999.99Variable$50,000$50,0000.20%
$100,000+Variable$100,000$100,0000.25%

Federal Regulation D limits the number of transactions on Money Market Accounts. A combined maximum of six transfers per month per account can be made by following methods: Online transfers, telephone transfers, preauthorized transfers, ACH debits, faxes, money market checks. Dividends on Money Market Accounts are calculated on the daily average balance and paid monthly. Money Market account rates are subject to change monthly.

Certificate Accounts

AmountTypeMinimum Deposit
To Open
Minimum Balance
To Earn APY
APY
6 Month $1,000 to $9,999 Fixed$1,000.00$1,000.000.10%
6 Month $10,000 to $49,999Fixed$10,000.00$10,000.000.15%
6 Month Over $50,000Fixed$50,000.00$50,000.000.20%
12 Month $1,000 to $9,999 Fixed$1,000.00$1,000.000.20%
12 Month $10,000 to $49,999 Fixed$10,000.00$10,000.000.25%
12 Month Over $50,000 Fixed$50,000.00$50,000.00 0.30%

Penalty for early withdrawal may apply. Certificate dividends are paid at maturity.

IRA Savings

TypeMinimum Deposit
To Open
Minimum Balance
To Earn APY
APY
Variable$0.00$0.000.25%

Vehicle Loan Rates

ProductAPR
New Auto (2013 and newer) 1.97% - 13.75%
Used Auto (2008 - 2012) 2.97% - 13.75%
Older Used Auto (2001 - 2007) 5.97% - 14.75%

For rates shown as a range, the Annual Percentage Rate (APR) will be based on applicant's credit qualifications.

Recreational Vehicles

ProductAPR
New Recreational Vehicle 23.97% - 15.75%
Used Recreational Vehicle 23.97% - 15.75%
New Boat 33.97% - 15.75%
Used Boat 33.97% - 15.75%
Boat - Documented 43.97% - 15.75%
Motorcycle4.97% - 16.75%
Other Motorized Vehicles 54.97% - 16.75%
  • 2 Motorhome, Trailer, 5th Wheel and the like
  • 3 Recreational/Titled
  • 4 Documented, Preferred Marine Mortgage - Available for Washington State Members only
  • 5 ATV, Snowmobile, Jet Ski and the like

VISA

ProductAPR
Basic14.75%
Platinum19.90%

1 Credit line over $5000, no annual fee.

Signature Loans

ProductAPR
Debt Consolidation14.50%
Personal/Unsecured9.97%
4 Seasons Loan16.97%

1 New money only, up to $5000, 24 Month Term

Secured Loans

ProductAPR
Savings Account3.50%
Certificate Account3.50%

For current Annual Percentage Rate information call 800-666-7328.