Rates

Loans

New Vehicle Loans

For Driving Sense Program rates, contact a Financial Service Advisor.
Up to 29 months	2.79% APR*
30 - 41 months	2.99% APR*
42 - 53 months	3.29% APR*
54 - 65 months	3.49% APR*
66 - 72 months	4.29% APR*
73 - 84 months	4.79% APR*
Estimate Your Payments ➤

Used Vehicle Loans

(seven model years or newer)

For Driving Sense Program rates and used vehicles older than seven model years, contact a Financial Services Advisor.
Up to 62 months	3.49% APR*
63 - 66 months	3.79% APR*
67 - 72 months	4.29% APR*
73 - 84 months	4.79% APR*
Estimate Your Payments ➤

Motorcycle Loans

New (as low as)	5.39% APR*
Used (as low as)	7.09% APR*

*APR is Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Your rate will be determined at the time of your application. Payment Example: A loan of $20,000 at 2.79% APR for 29 months is a monthly payment of $713.97 and total interest of $705.06.

Fixed-Rate VISA Credit Cards

as low as
Platinum Rate	8.99% APR*
Platinum Premier	10.25% APR*
Classic	12.25% APR*
Estimate Your Savings ➤

Home Equity Lines

Borrow up to 85% of your home's equity
Line of Credit (variable)	4.00% APR*
Estimate Your Payments ➤

Home Access Lines

Borrow up to 100% of your home's equity
Line of Credit (variable)	7.00% APR*

*APR = Annual Percentage Rate. Home Equity and Access Lines of Credit have variable rates. Loans and Lines of Credit are subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Rates are subject to change. The variable Line of Credit rate is set at the time of your loan (your initial rate) and adjusted each January and July 1st based on the Prime Rate as published in The Wall Street Journal, plus a margin as low as -.50% on Home Equity Lines of Credit (your margin may differ based on your qualifications, and as low as 2.00% for Home Access Lines of Credit (your margin may differ based on your qualifications). Your margin may vary based on your credit qualifications. As of 3/17/20 the Prime Rate was 3.25% APR. The current Home Equity and Home Access line of credit rates listed above are floor rates and are higher than the index plus margin.

Home Equity Loans

Borrow up to 85% of your home's equity
	$35,000+	Below $35,000
5-year fixed as low as	3.99% APR*	4.54% APR*
10-year fixed as low as	4.49% APR*	5.34% APR*
15-year fixed as low as	5.29% APR*	5.84% APR*
Estimate Your Payments

Home Access Loans

Borrow up to 100% of your home's equity
7-year fixed	8.79% APR*

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Offer valid on Illinois residences only. Fixed rate repayment example: 3.99% APR for 120 months is $10.12 per $1,000 borrowed.

Home Equity Loan special rates of as low as 3.99% APR good only through October 31, 2020.

Share Secured

Rates as low as 3.99% APY
Up to 24 months	2.99% APR*
Up to 36 months	3.49% APR*
Up to 48 months	3.99% APR*
Up to 60 months	4.29% APR*

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change. Repayment examples: Share Secured is 4.49% APR for 36 months is $29.75 per $1,000 borrowed and Stock Secured is 6.99% APR for 36 months is $30.88 per $1,000 borrowed.

Signature Loans

Signature	9.99% APR*
Estimate Your Payments ➤

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change. Repayment example: 9.99% APR for 36 months is $32.26 per $1,000 borrowed.

Deposits

Checking Accounts

Preferred Checking	0.05% APY
Advantage Checking	1.00% APY on average daily balances of $7,500 or less
	0.01% APY on portions over $7,500

Money Market - Market Yield

$100,000 and above	0.50% APY
$50,000-$99,999.99	0.45% APY
$25,000-$49,999.99	0.35% APY
$0-24,999.99	0.05% APY

Money Market - Market Demand

$25,000 and above	0.30% APY
$2,500-$24,999.99	0.20% APY
$0-2,499.99	0.05% APY

Share Certificates $50,000+

6 months	0.30% APY
12 months	0.35% APY
18 months	0.40% APY
24 months	0.45% APY
36 months	0.60% APY
60 months	0.70% APY

Share Certificates $25,000 - $49,999.99

6 months	0.25% APY
12 months	0.30% APY
18 months	0.35% APY
24 months	0.40% APY
36 months	0.55% APY
60 months	0.65% APY

Share Certificates $2,500 - $24,999.99

6 months	0.20% APY
12 months	0.25% APY
18 months	0.30% APY
24 months	0.35% APY
36 months	0.50% APY
60 months	0.60% APY

Share Savings, Holiday and Vacation Clubs, Moola Moose Club & Compass Club

$25,000 and above	0.25% APY
$2,500 - $24,999.99	0.15% APY
$5 - $2,499.99	0.10% APY

Coverdell Education Saving Account Certificates

6 months	0.20% APY
12 months	0.25% APY
18 months	0.30% APY
24 months	0.35% APY
36 months	0.50% APY
60 months	0.60% APY

APY = Annual Percentage Yield

Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY.

Yields for all share savings accounts (above) are declared quarterly by the Board of Directors. Dividends are paid retroactively and based on earnings for the period. The dividend yield listed is for the period ending 9/30/2020.

Yields for other deposit products are declared and paid monthly.

Fees may reduce earnings.

For Share Certificates, a penalty may be imposed for withdrawals before maturity.

Federally insured by NCUA.