Savings Account Rates
Savings Accounts
Rates in effect as of December 21, 2024
| Savings Account | $5 | $5 | 0.20% | 0.20% | Monthly |
Christmas Saver
Rates in effect as of December 21, 2024
| Savings Account | $25.00 | $25 | 0.20% | 0.20% | Monthly |
IRA Savings
Rates in effect as of December 21, 2024
| IRA Savings Account | $25.00 | Balances $500.00 and over | 0.20% | 0.20% | Monthly |
Money Market Account
Rates in effect as of December 21, 2024
| $0.00 - $9,999.99 | 0.40% | 0.40% | Monthly |
| $10,000.00 - $24,999.99 | 0.60% | 0.60% | Monthly |
| $25,000+ | 0.80% | 0.80% | Monthly |
Vacation Saver
Rates in effect as of December 21, 2024
| Savings Account | $25.00 | $25 | 0.20% | 0.20% | Monthly |
Checking Account Rates
Checking Accounts*
Rates in effect as of December 21, 2024
| Checking Account | $25.00 | $25.00 | Balances $1,000.00 to $35,000.00 | 5.94% | 6.10% | Monthly |
| Checking Account | $25.00 | $25.00 | Balances $35,000.01 and up | 0.50% | 0.50% | Monthly |
Share Certificate Rates
Share Certificates
Rates in effect as of December 21, 2024
| Regular or IRA | Term Deposit -3 Months | $1,000.00 | $1,000.00 | 2.47% | 2.50% | Monthly |
| Regular or IRA | Term Deposit -6 Months | $1,000.00 | $1,000.00 | 3.93% | 4.00% | Monthly |
| Smart Teen | Term Deposit -6 Months | $250.00 | $250.00 | 3.93% | 4.00% | Monthly |
| Regular or IRA | Term Deposit -12 Months | $1,000.00 | $1,000.00 | 4.41% | 4.50% | Monthly |
| Regular or IRA | Term Deposit -18 Months | $1,000.00 | $1,000.00 | 3.45% | 3.50% | Monthly |
| Regular or IRA | Term Deposit -24 Months | $1,000.00 | $1,000.00 | 3.45% | 3.50% | Monthly |
| Regular or IRA | Term Deposit -3 Years | $1,000.00 | $1,000.00 | 3.45% | 3.50% | Monthly |
| Regular or IRA | Term Deposit -4 Years | $1,000.00 | $1,000.00 | 3.45% | 3.50% | Monthly |
| Regular or IRA | Term Deposit -5 Years | $1,000.00 | $1,000.00 | 3.45% | 3.50% | Monthly |
Business Account Rates
Business Savings Features and Fees:
Rates in effect as of December 21, 2024
| Description | Monthly Fee | Minimum Balance to Earn | Dividends Paid | |||
|---|---|---|---|---|---|---|
| Business Savings | No Monthly Fee | $5 | $0.00 - $499.99 | 0.20% | 0.20% | Monthly |
| Business Share Certificates | No Monthly Fee | $5,000 | $500.00 and Over | 0.20% | 0.20% | Monthly |
Business Checking
Rates in effect as of December 21, 2024
| Business Checking Account | $25.00 | $100.00 | Balances $1,000.00 to $35,000.00 | 5.94% | 6.10% | Monthly |
| Business Checking Account | $25.00 | $100.00 | Balances $35,000.01 and up | 0.50% | 0.50% | Monthly |
Business Flex Rates:
Rates in effect as of December 21, 2024
| $0.00 to $9,999.99 | 0.40% | 0.40% | Monthly |
| $10,000.00 – $24,999.99 | 0.60% | 0.60% | Monthly |
| $25,000+ | 0.80% | 0.80% | Monthly |
Business Share Certificates
Rates in effect as of December 21, 2024
| Regular | Term Deposit -3 Months | $5,000.00 | $5,000.00 | 2.47% | 2.50% | Monthly |
| Regular | Term Deposit -6 Months | $5,000.00 | $5,000.00 | 3.93% | 4.00% | Monthly |
| Regular | Term Deposit -12 Months | $5,000.00 | $5,000.00 | 4.41% | 4.50% | Monthly |
| Regular | Term Deposit -18 Months | $5,000.00 | $5,000.00 | 3.45% | 3.50% | Monthly |
| Regular | Term Deposit -24 Months | $5,000.00 | $5,000.00 | 3.45% | 3.50% | Monthly |
| Regular | Term Deposit -3 Years | $5,000.00 | $5,000.00 | 3.45% | 3.50% | Monthly |
| Regular | Term Deposit -4 Years | $5,000.00 | $5,000.00 | 3.45% | 3.50% | Monthly |
| Regular | Term Deposit -5 Years | $5,000.00 | $5,000.00 | 3.45% | 3.50% | Monthly |
*APY is Annual Percentage Yield. Account dividends are calculated daily on end of day balance, paid out monthly. Rates quoted and corresponding APY's are based on the last paid dividend rates and are subject to change monthly without notice and at the discretion of the Board of Directors. Rave Checking or Business Plus Checking balances of $1,000.00 – $35,000.00 earns 6.10% APY. $35,000.01 and up earns .50% APY. Terms and conditions subject to change. See our Truth in Savings Disclosure here.
Auto Loan Rates
Competitive Rates – New & Used Automobiles
Effective December 21, 2024 - rates as low as:
| 100% Financing | 24 Months | 5.00% |
| 100% Financing | 36 Months | 5.00% |
| 100% Financing | 48 Months | 5.00% |
| 100% Financing | 60 Months | 5.50% |
| 100% Financing | 66 Months | 5.75% |
| 100% Financing | 72 Months | 6.00% |
| 100% Financing | 78 Months | 6.25% |
| 100% Financing | 84 Months | 6.50% |
Personal Loan Rates
Personal Loans
Effective December 21, 2024 - Rates as low as:
| Personal | 60 Months | 12.00% |
| Flexible Line of Credit (Variable)* | N/A | 11.75% - 17.25% |
Mortgage Rates
Motorcycles/ATV
Motorcycles/ATV
Effective December 21, 2024 - Rates as low as:
| New & Used | 24 Months | 8.00% |
| New & Used | 36 Months | 8.00% |
| New & Used | 48 Months | 8.00% |
| New & Used | 60 Months | 8.75% |
| New & Used | 66 Months | 9.00% |
| New & Used | 72 Months | 9.25% |
Farm Equipment and Other Collateral Rates
Farm Equipment and Other Collateral
Effective December 21, 2024 - Rates as low as:
| New & Used | 24 Months | 8.50% |
| New & Used | 36 Months | 8.50% |
| New & Used | 48 Months | 8.50% |
| New & Used | 60 Months | 9.00% |
| New & Used | 66 Months | 9.50% |
| New & Used | 72 Months | 10.00% |
Share Loan Rates
Share Loans
Rates in effect as of December 21, 2024
| Monthly Payments | 60 Months | 2% Over Share |
| Single Payments | 6 Months | 2% Over Share |
| Rave Financial Certificate Loan | Same as Certificate | 2% Over CD |
Marine Loan Rates
Marine Loans
Effective December 21, 2024 - Rates as low as:
| New & Used | 24 Months | 6.00% |
| New & Used | 36 Months | 6.00% |
| New & Used | 48 Months | 6.00% |
| New & Used | 60 Months | 6.75% |
| New & Used | 66 Months | 7.00% |
| New & Used | 72 Months | 7.25% |
| New & Used | 78 Months | 7.50% |
| New & Used | 84 Months | 7.50% |
| New & Used | 120 Months | 7.75% |
| New & Used | 144 Months | 8.00% |
| New & Used | 180 Months | 8.25% |
Recreational Loan Rates
Recreational Loans
Effective December 21, 2024 - Rates as low as:
| New & Used | 24 Months | 6.00% |
| New & Used | 36 Months | 6.00% |
| New & Used | 48 Months | 6.00% |
| New & Used | 60 Months | 6.75% |
| New & Used | 66 Months | 7.00% |
| New & Used | 72 Months | 7.25% |
| New & Used | 78 Months | 7.50% |
| New & Used | 84 Months | 7.50% |
| New & Used | 120 Months | 7.75% |
| New & Used | 144 Months | 8.00% |
| New & Used | 180 Months | 8.25% |
*APR is Annual Percentage Rate. Rates disclosed may be different based on credit underwriting and/or services used. These rates reflect our best rates. All loan rates are subject to change without prior notice. Rates are updated every morning at 9:00 AM. Flexible Lines of Credit are variable rate products. Loan terms are dependent on amount financed and member/collateral. Terms and conditions subject to change. See our Truth in Savings Disclosure here.
Big Wallet Energy
Earn up to 6.10% APY.
Announcements
- Name Change FAQs
- 2024 Holiday Closings
- Escheatment Notice
- USPS Mail Delays
- Digital Banking Security Tips
