Loan Rates
Rates, fees, and terms are subject to change without notice.
Auto Loan Rates
| Loan Term | APR | Monthly Payment (per $1000) | Loan Type |
|---|---|---|---|
| Up to 24 months | 5.99% | $44.32 | New Auto (current model year or previous model year and less than 15,000 miles) |
| 25 to 36 | 6.09% | $30.47 | New Auto (current model year or previous model year and less than 15,000 miles) |
| 37 to 48 | 6.34% | $23.65 | New Auto (current model year or previous model year and less than 15,000 miles) |
| 49 to 60 | 6.59% | $19.61 | New Auto (current model year or previous model year and less than 15,000 miles) |
| Up to 24 | 6.49% | $44.55 | Used Auto (less than or equal to 5 model years) |
| 25 to 36 | 6.59% | $30.69 | Used Auto (less than or equal to 5 model years) |
| 37 to 48 | 6.84% | $23.88 | Used Auto (less than or equal to 5 model years) |
| 49 to 60 | 7.09% | $19.85 | Used Auto (less than or equal to 5 model years) |
| Up to 24 | 7.04% | $44.79 | Used Auto (5+ model years) |
| 25 to 36 | 7.14% | $30.95 | Used Auto (5+ model years) |
| 37 to 48 | 7.39% | $24.13 | Used Auto (5+ model years) |
| 49 to 60 | 7.64% | $20.11 | Used Auto (5+ model years) |
APR = Annual Percentage Rate
The annual percentage rate you pay will be based on the number of months your loan is financed, loan type, the type of collateral, the loan-to value ratio, and your credit history.
Lifestyle Loan Rates
| Loan Term (in Months) | APR | Monthly Payment (per $1000) | Loan Type |
|---|---|---|---|
| 0 to 24 | As low as 8.74% | $45.57 | Lifestyle Loans |
| 25 to 48 | 9.74% | $25.24 | Lifestyle Loans |
| 49 to 72 | 10.74% | $18.91 | Lifestyle Loans |
| 73 to 84 | 11.74% | $17.52 | Lifestyle Loans |
APR = Annual Percentage Rate
The annual percentage rate you pay will be based on the number of months your loan is financed, loan type, the type of collateral, the loan-to-value ratio, and your credit history.
RV and Boat Loan Rates
| Loan Term (in Months) | APR | Monthly Payment (per $1000) | Loan Type |
|---|---|---|---|
| Up to 24 | 7.04% | $44.79 | Recreational Vehicles |
| 25 to 36 | 7.14% | $30.95 | Recreational Vehicles |
| 37 to 48 | 7.39% | $24.13 | Recreational Vehicles |
| 49 to 60 | 7.64% | $20.11 | Recreational Vehicles |
APR = Annual Percentage Rate
The annual percentage rate you pay will be based on the number of months your loan is financed, loan type, the type of collateral, the loan-to-value ratio, and your credit history.
Motorcycle Loan Rates
| Loan Term (in Months) | APR | Monthly Payment (per $1000) | Loan Type |
|---|---|---|---|
| Up to 24 | 7.04% | $44.79 | Motorcycle |
| 25 to 36 | 7.14% | $30.95 | Motorcycle |
| 37 to 48 | 7.39% | $24.13 | Motorcycle |
| 49 to 60 | 7.64% | $20.11 | Motorcycle |
APR = Annual Percentage Rate
The annual percentage rate you pay will be based on the number of months your loan is financed, loan type, the type of collateral, the loan-to-value ratio, and your credit history.
Revolving Line of Credit Rates
| Loan Term (in Months) | APR** | Monthly Payment (per $1000) | Loan Type |
|---|---|---|---|
| My Line of Credit (Revolving) | Prime + 2.00% | $25.37 | Personal Line of Credit (unsecured) |
APR = Annual Percentage Rate
**Rate subject to change after closing. Prime is currently 8.00%. The Prime rate is published by the Wall Street Journal and can change at any time.
Other Loan Rates
| Loan Term (in Months) | APR | Monthly Payment (per $1000) | Loan Type |
|---|---|---|---|
| Up to 36 | 18.00% | Short Term Loans | |
| Up to 120 | 3.00% | Share Secured Loans | |
| Prime plus 1.25% | Certificate Secured |
APR = Annual Percentage Rate
The annual percentage rate you pay will be based on the number of months your loan is financed, loan type, the type of collateral, the loan-to-value ratio, and your credit history.
Deposit Account Rates
Fees may reduce earnings on the account.
Savings Accounts
| Tier | APY | Interest Rate | Minimum Balance |
|---|---|---|---|
| Tier 1 | 0.03% | 0.03% | $100.00 |
| Tier 2 | 0.08% | 0.08% | $1,000.00 |
Savings Accounts: Share, Special Savings, Christmas/Holiday Club, Summer Paycheck/Vacation
APY = Annual Percentage Yield
Deposits are paid interest at the disclosed rate. All APYs may change monthly.
Checking Accounts
| Tier | APY | Interest Rate | Minimum Balance |
|---|---|---|---|
| Tier 1 | 0.00% | 0.00% | $1,000.00 |
| Tier 2 | 0.05% | 0.05% | $2,500.00 |
| Tier 3 | 0.10% | 0.10% | $5,000.00 |
APY = Annual Percentage Yield
Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.
Certificate Rates
| Term | APY | Interest Rate | Minimum Balance | Interest Penalty* |
|---|---|---|---|---|
| 3M | 3.04% | 3.00% | $1,000.00 | 31 days |
| 6M | 3.56% | 3.50% | $1,000.00 | 31 days |
| 12M | 3.60% | 3.55% | $500.00 | 91 days |
| 24M | 3.60% | 3.55% | $500.00 | 91 days |
| 36M | 3.60% | 3.55% | $500.00 | 182 days |
| 48M | 3.60% | 3.55% | $500.00 | 182 days |
APY = Annual Percentage Yield
All rates and terms are subject to change at any time.
Membership Shares (suffix 0) earns dividends and reflects a dividend rate. All other savings/deposits are paid interest at the disclosed rate.
*A penalty may be imposed for early withdrawal
IRA Rates
| Tier | APY | Interest Rate | Minimum Balance |
|---|---|---|---|
| Tier 1 | 0.03% | 0.03% | $100.00 |
| Tier 2 | 0.50% | 0.50% | $2,500.00 |
| Tier 3 | 0.75% | 0.75% | $5,000.00 |
| Tier 4 | 1.11% | 1.10% | $10,000.00 |
APY = Annual Percentage Yield
Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.
Sterling Fund Money Market Accounts
| Tier | APY | Interest Rate | Minimum Balance |
|---|---|---|---|
| Tier 1 | 1.11% | 1.10% | $2,500.00 |
| Tier 2 | 1.16% | 1.15% | $10,000.00 |
| Tier 3 | 1.26% | 1.25% | $25,000.00 |
APY = Annual Percentage Yield
Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.
Sterling Plus Fund Money Market Accounts
| Tier | APY | Interest Rate | Minimum Balance |
|---|---|---|---|
| Tier 1 | 1.16% | 1.15% | $10,000.00 |
| Tier 2 | 1.26% | 1.25% | $25,000.00 |
| Tier 3 | 1.61% | 1.60% | $50,000.00 |
Monthly fee charged for balances under $25,000.00.
APY = Annual Percentage Yield
Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.
Business Account Rates
Fees may reduce earnings on the account.
Membership Share
| Tier | APY | Interest Rate | Minimum Balance |
|---|---|---|---|
| Tier 1 | 0.03% | 0.03% | $100.00 |
| Tier 2 | 0.08% | 0.08% | $1,000.00 |
APY = Annual Percentage Yield
Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.
Special Savings
| Tier | APY | Interest Rate | Minimum Balance |
|---|---|---|---|
| Tier 1 | 0.03% | 0.03% | $100.00 |
| Tier 2 | 0.08% | 0.08% | $1,000.00 |
APY = Annual Percentage Yield
Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.
Sterling Fund
| Tier | APY | Interest Rate | Minimum Balance |
|---|---|---|---|
| Tier 1 | 1.11% | 1.10% | $2,500.00 |
| Tier 2 | 1.16% | 1.15% | $10,000.00 |
| Tier 3 | 1.26% | 1.25% | $25,000.00 |
APY = Annual Percentage Yield
Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.
Sterling Plus Fund
| Tier | APY | Interest Rate | Minimum Balance |
|---|---|---|---|
| Tier 1 | 1.16% | 1.15% | $10,000.00 |
| Tier 2 | 1.26% | 1.25% | $25,000.00 |
| Tier 3 | 1.61% | 1.60% | $50,000.00 |
APY = Annual Percentage Yield
Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.
Business Essentials
| Tier | APY | Interest Rate | Minimum Balance |
|---|---|---|---|
| Tier 1 | 0.00% | 0.00% | $5,000.00 |
| Tier 2 | 0.05% | 0.05% | $7,500.00 |
| Tier 3 | 0.10% | 0.10% | $10,000.00 |
APY = Annual Percentage Yield
Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.
Business Plus
| Tier | APY | Interest Rate | Minimum Balance |
|---|---|---|---|
| Tier 1 | 0.00% | 0.00% | $5,000.00 |
| Tier 2 | 0.05% | 0.05% | $7,500.00 |
| Tier 3 | 0.10% | 0.10% | $10,000.00 |
APY = Annual Percentage Yield
Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.
Business Advantage
| Tier | APY | Interest Rate | Minimum Balance |
|---|---|---|---|
| Tier 1 | 0.00% | 0.00% | $5,000.00 |
| Tier 2 | 0.05% | 0.05% | $7,500.00 |
| Tier 3 | 0.10% | 0.10% | $10,000.00 |
APY = Annual Percentage Yield
Deposits are paid interest at the disclosed rate. All APYs are subject to change at any time.
Certificate Rates
| Term | APY | Interest Rate | Minimum Balance | Interest Penalty* |
|---|---|---|---|---|
| 3 months | 3.04% | 3.00% | $1,000.00 | 31 days |
| 6 months | 3.56% | 3.50% | $1,000.00 | 31 days |
| 12 months | 3.60% | 3.55% | $500.00 | 91 days |
| 24 months | 3.60% | 3.55% | $500.00 | 91 days |
| 36 months | 3.60% | 3.55% | $500.00 | 182 days |
| 48 months | 3.60% | 3.55% | $500.00 | 182 days |
APY = Annual Percentage Yield
All rates and terms are subject to change at any time.
*A penalty may be imposed for early withdrawal
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