Rates

Product

Min. Opening Deposit

Min. Daily Balance to Earn APY

APY*

Product

Regular Share

Min. Opening Deposit

$20

Min. Daily Balance to Earn APY

None

APY*

0.05%

Product

Individual Retirement Account

Min. Opening Deposit

$100

Min. Daily Balance to Earn APY

None

APY*

0.20%

Balance

Min. Opening Deposit

Min. Daily Balance to Earn APY

APY*

Balance

$0- $2,499.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY

None

APY*

0.05%

Balance

$2,500- $24,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY

$2,500

APY*

0.07%

Balance

$25,000- $49,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY

$25,000

APY*

0.18%

Balance

$50,000- $99,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY

$50,000

APY*

0.18%

Balance

$100,000 and above

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY

$100,000

APY*

0.18%

Balance

Min. Opening Deposit

Min. Daily Balance to Earn APY**

APY***

Balance

$0 - $24,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

None

APY***

0.05%

Balance

$25,000 - $49,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$25,000

APY***

0.05%

Balance

$50,000 - $99,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$50,000

APY***

1.00%

Balance

$100,000 - $249,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$100,000

APY***

2.00%

Balance

$250,000 - $499,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$250,000

APY***

2.00%

Balance

$500,000 or greater

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$500,000

APY***

2.00%

Terms

Min. Opening Deposit

APY*

Terms

5-month

Min. Opening Deposit

$1,000**

APY*

4.25%

Terms

6-month

Min. Opening Deposit

$1,000

APY*

0.15%

Terms

11-month

Min. Opening Deposit

$5,000***

APY*

4.75%

Terms

12-month

Min. Opening Deposit

$1,000

APY*

0.20%

Terms

13-month

Min. Opening Deposit

$1,000**

APY*

4.00%

Terms

24-month

Min. Opening Deposit

$1,000

APY*

0.25%

Terms

36-month

Min. Opening Deposit

$1,000

APY*

0.25%

Terms

48-month

Min. Opening Deposit

$1,000

APY*

0.30%

Terms

60-month

Min. Opening Deposit

$1,000

APY*

0.65%

Min. Opening Deposit

Min. Daily Balance to Earn APY

APY*

Min. Opening Deposit

$50 or $5 with Direct Deposit

Min. Daily Balance to Earn APY

None

APY*

0.02%

Balance

Min. Opening Deposit

Min. Daily Balance to Earn APY**

APY***

Balance

$0 - $9,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

None

APY***

0.02%

Balance

$10,000 - $24,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$10,000

APY***

0.02%

Balance

$25,000 - $49,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$25,000

APY***

0.02%

Balance

$50,000 and above

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$50,000

APY***

0.03%

Terms

APR as low as*

Terms

1 year

APR as low as*

8.25%

Terms

2 years

APR as low as*

8.50%

Terms

3 years

APR as low as*

8.75%

Terms

4 years

APR as low as*

9.25%

Terms

5 years

APR as low as*

9.75%

Terms

6 years

APR as low as*

10.75%

Terms

APR as low as*

Terms

Revolving

APR as low as*

13.00%

Up to 100% financing

Terms

APR as low as*

Terms

1 to 3 years

APR as low as*

5.75%

Terms

4 years

APR as low as*

5.90%

Terms

5 years

APR as low as*

5.99%

Terms

6 years

APR as low as*

6.24%

Terms

7 years

APR as low as*

8.15%

Up to 100% financing

Terms

APR as low as*

Terms

1 to 3 years

APR as low as*

6.50%

Terms

4 years

APR as low as*

6.65%

Terms

5 years

APR as low as*

6.74%

Terms

6 years

APR as low as*

6.99%

Terms

7 years

APR as low as*

8.90%

Up to 100% financing

Terms

APR as low as*

Terms

1 to 3 years

APR as low as*

7.25%

Terms

4 years

APR as low as*

7.40%

Terms

5 years

APR as low as*

7.49%

Terms

6 years

APR as low as*

7.74%

Up to 100% financing

Terms

APR as low as*

Terms

1 to 3 years

APR as low as*

8.00%

Terms

4 years

APR as low as*

8.15%

Terms

5 years

APR as low as*

8.24%

Terms

6 years

APR as low as*

8.49%

Credit Card Product*

Terms

Current Variable Index Rate**

Credit Card Product*

Always Cash Visa® Signature Rewards

Terms

Revolving

Current Variable Index Rate**

18.00% APR

Credit Card Product*

Visa® Platinum Rewards

Terms

Revolving

Current Variable Index Rate**

15.90% to 18.00% APR

Credit Card Product*

Share Secured Visa® Platinum Rewards

Terms

Revolving

Current Variable Index Rate**

18.00% APR

Fixed Rate Term

Rate

Points

APR

Fixed Rate Term

30 year

Rate

6.500%

Points

1.875%

APR

6.743%

Fixed Rate Term

30 year

Rate

7.000%

Points

0.500%

APR

7.110%

Fixed Rate Term

15 year

Rate

5.875%

Points

1.875%

APR

6.267%

Fixed Rate Term

15 year

Rate

6.625%

Points

0.375%

APR

6.781%

Fixed Rate Term

Rate

Points

APR

Fixed Rate Term

5 Year ARM

Rate

6.125%

Points

1.750%

APR

7.551%

Fixed Rate Term

5 Year ARM

Rate

6.500%

Points

0.750%

APR

7.603%

Fixed Rate Term

7 Year ARM

Rate

6.250%

Points

1.750%

APR

7.379%

Fixed Rate Term

7 Year ARM

Rate

6.625%

Points

0.750%

APR

7.475%

Fixed Rate Term

10 Year ARM

Rate

6.375%

Points

1.750%

APR

7.195%

Fixed Rate Term

10 Year ARM

Rate

6.750%

Points

0.750%

APR

7.345%

Up to 80% LTV, fee-simple, owner-occupied property*

Terms

APR as low as

Terms

2-year Intro Rate

APR as low as

7.50%**

Terms

3-year Intro Rate

APR as low as

7.75%**

Terms

4-year Intro Rate

APR as low as

7.75%**

Terms

5-year Intro Rate

APR as low as

7.75%**

Terms

Current Variable Index Rate

APR as low as

8.25%***  up to $400,000 credit line

Up to 90% LTV, fee-simple, owner-occupied, primary residence*

Terms

APR as low as

Terms

Current Variable Index Rate

APR as low as

9.00%**

Up to 95% LTV, fee-simple, owner-occupied, primary residence*

Terms

APR as low as

Terms

Current Variable Index Rate

APR as low as

9.25% **

Up to 70% LTV, fee-simple, owner-occupied, primary residence*

Terms

APR as low as

Terms

2-year Intro Rate

APR as low as

7.75%**

Terms

3-year Intro Rate

APR as low as

8.00%**

Terms

4-year Intro Rate

APR as low as

8.00%**

Terms

5-year Intro Rate

APR as low as

8.00%**

Terms

Current Variable Index Rate

APR as low as

9.00%*** up to $1,000,000 credit line

Up to 70% LTV, fee-simple, investment property*

Terms

APR as low as

Terms

2-year Intro Rate

APR as low as

7.75%**

Terms

3-year Intro Rate

APR as low as

8.00%**

Terms

4-year Intro Rate

APR as low as

8.00%**

Terms

5-year Intro Rate

APR as low as

8.00%**

Terms

Current Variable Index Rate

APR as low as

8.50%***

PV Loan Program*

Interest Rate** Months 0 to 24

Interest Rate** Months 24 to 96

APR

0.00%
0.00%
0.00%

7.70%
8.10%
8.70%

4.525% 
4.753% 
5.094%

Roof & Renovation Program*

Interest Rate** Months 0 to 12

Interest Rate** Months 13 to 84

APR

0.00%
0.00%
0.00%

7.70%
8.10%
8.70%

5.691%
5.981%
6.414%

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