Click or touch any of the following categories to view our current rate offerings.
Deposit Rates
Savings
| Type | APY |
|---|---|
| Share Savings | 0.10% |
| Individual Development Accounts (IDA) | 0.50% |
| Super Duper $avers | 0.25% |
| No Dividend Savings | 0.00% |
Checking
| Type | APY |
|---|---|
| E Checking with WOW Feature | 0.00% to 1.50% varies based on balance* |
| Simple Checking | 0.00% |
| Non Profit Checking with WOW Feature | 0.00% to 1.00% varies based on balance* |
| Micro Biz Checking with WOW feature | 0.00% to 1.00% varies based on balance* |
| Small Biz Checking | 0.00% |
Money Markets
| Balance | APY |
|---|---|
| Under $500 | 0.000% |
| $500-$10,000 | 0.150% |
| $10,000.01-$50,000 | 0.500% |
| $50,000.01+ | 0.900% |
Certificates
| Member Type | Min Balance | APY |
|---|---|---|
| 12 Month Member Add To | $500 | 1.510% |
| 24 Month Member | $500 | 1.600% |
| 36 Month Member | $500 | 1.800% |
| 48 Month Member | $500 | 2.010% |
| 60 Month Member | $500 | 2.210% |
| Type | Min Balance | APR / APY |
|---|---|---|
| 12 Months Social Investor | $500 | 0.500% |
| 24 Months Social Investor | $500 | 0.590% |
| 36 Months Social Investor | $500 | 0.790% |
| 48 Months Social Investor | $500 | 0.990% |
| 60 Months Social Investor | $500 | 1.300% |
Personal Loans
| Product | Requirements | Months | APR |
|---|---|---|---|
| Personal Loan | up to $1000 | 12 | 18.00% |
| Personal Loan | $1000-$5000 | 36 | 15.00% |
Independence Fund Loans
| Product | Requirements | Months | APR |
|---|---|---|---|
| Assistive Technology (scooters, computers, equipment, etc.) | $5000 Maximum | 36 | 3.00% |
| Assistive Technology (scooters, computers, equipment, etc.) | Over $5000 | 48 | 3.00% |
| Home Building Modifications | $7500 Maximum | 60 | 3.00% |
| Hearing Aids & Dentures | $6000 Maximum | 48 | 3.00% |
| Used Modified Vehicle | 2008-2015 Up to $35,000 | up to 60 | 3.00% |
| New Modified Vehicle | over $35,000 | up to 96 | 3.00% |
Business Loans
| Product | Term (Months) | Rate |
|---|---|---|
| Business Real Estate | 240 | 7.00% |
| Business Inventory | 120 | 7.00% |
| Business Vehicle (Commercial) | 84 | 7.00% |
| Commercial Equipment | 84 | 7.00% |
| Business Line of Credit | 12 | 7.250% |
Energy Loans
| Product | Term (Months) | Rate |
|---|---|---|
| PACE Program | 240 | Call for Current Rates. |
| ANR Program | 180 | 3.00% |
| HEAT Program | Up to 60 Up to $25,000 | 0.00%-5.49% |
| HEAT Program | 61-180 Up to $35,000 | 1.99%-6.49% |
