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Rates
Personal rates
Credit Cards
| Credit Card | APR As Low As | Description |
|---|---|---|
| Preferred Visa | 14.24% | Variable Rate |
| Preferred Visa | Prime + 5.74% | |
| Rewards Visa | 17.24% | Variable Rate |
| Rewards Visa | Prime + 8.74% | |
| Signature Visa | 17.99% | Variable Rate |
| Signature Visa | Prime + 11.74% | |
| Secured Visa | 14.24% | Variable Rate |
| Secured Visa | Prime + 5.74% |
Effective date: September 14, 2024
Savings rates
Regular Savings
| Type | Balance | Dividend Rate | APY |
|---|---|---|---|
| Regular Savings | All Balances | 0.01% | 0.01% |
Effective date: September 14, 2024
Special Purpose Savings
| Type | Balance | Dividend Rate | APY |
|---|---|---|---|
| Special Purpose Savings | All Balances | 0.01% | 0.01% |
Effective date: September 14, 2024
Member Choice Money Market
| Balance | Interest Rate | APY |
|---|---|---|
| Up to $2,500.99 | 0.01% | 0.01% |
| $2,501.00-$9,999.99 | 0.01% | 0.01% |
| $10,000.00-$24,999.99 | 0.05% | 0.05% |
| $25,000.00-$49,999.99 | 0.10% | 0.10% |
| $50,000.00-$99,999.99 | 0.10% | 0.10% |
| $100,000.00-$149,999.99 | 0.10% | 0.10% |
| $150,000.00-$249,999.99 | 1.634% | 1.65% |
| $250,000.00+ | 1.634% | 1.65% |
Effective date: September 14, 2024
Loan rates
Auto Loans
| Term | APR As Low As1 | Monthly Payment Per $1,000 | Model Year |
|---|---|---|---|
| Up to 63 Months | 6.54% | $19.58 | 2024-2022 |
| 64-75 Months | 7.24% | $17.16 | 2024-2022 |
| 76-84 Months | 8.59% | $15.88 | 2024-2022 |
| Up to 63 Months | 6.95% | $19.78 | 2021-2017 |
| 64-75 Months | 7.79% | $17.43 | 2021-2017 |
| 76-84 Months | 8.99% | $16.08 | 2021-2017 |
| Up to 63 Months | 8.24% | $20.39 | 2016-2015 |
| Up to 48 Months | 11.24% | $25.96 | 2014-2012 |
Effective date: September 14, 2024
Boat & RV Loans
| Term | APR As Low As1 | Minimum Balance | Model Year |
|---|---|---|---|
| Up to 60 Months | 8.24% | $5,000 | 2020-2014 |
| 61-120 Months | 9.19% | $25,000 | 2020-2014 |
| 121-180 Months | 9.79% | $50,000 | 2020-2014 |
| Up to 60 Months | 8.19% | $5,000 | 2024-2021 |
| 61-120 Months | 8.69% | $25,000 | 2024-2021 |
| 121-180 Months | 9.69% | $50,000 | 2024-2021 |
Effective date: September 14, 2024
Motorcycle & Powersport Loans
| Term | APR As Low As | Model Year |
|---|---|---|
| 24-63 Months | 8.99% | 2018-2016 |
| Up to 65 Months | 7.89% | 2024-2019 |
| 66-72 Months | 8.79% | 2024-2019 |
Effective date: September 14, 2024
Mortgages
| Loan Type | Rate Type | Interest Rate | Points | APR |
|---|---|---|---|---|
| 15-Year Fixed (Conventional) | Fixed | 5.625% | 2.00 | 6.271% |
| 15-Year Fixed (Conventional) | Fixed | 5.750% | 1.00 | 6.236% |
| 15-Year Fixed (Conventional) | Fixed | 5.875% | 0.00 | 6.203% |
| 30-Year Fixed (Conventional) | Fixed | 6.125% | 2.00 | 6.523% |
| 30-Year Fixed (Conventional) | Fixed | 6.250% | 1.00 | 6.551% |
| 30-Year Fixed (Conventional) | Fixed | 6.375% | 0.00 | 6.580% |
| 20-Year Fixed (Conventional) | Fixed | 5.625% | 2.00 | 6.137% |
| 20-Year Fixed (Conventional) | Fixed | 5.750% | 1.00 | 6.136% |
| 20-Year Fixed (Conventional) | Fixed | 5.875% | 0.00 | 6.135% |
| 30-Year Fixed Home 97 | Fixed | 6.125% | 2.00 | 6.523% |
| 30-Year Fixed Home 97 | Fixed | 6.250% | 1.00 | 6.551% |
| 30-Year Fixed Home 97 | Fixed | 6.375% | 0.00 | 6.580% |
| 30-Year Fixed Home 100 | Fixed | 6.125% | 2.00 | 6.523% |
| 30-Year Fixed Home 100 | Fixed | 6.250% | 1.00 | 6.551% |
| 30-Year Fixed Home 100 | Fixed | 6.375% | 0.00 | 6.580% |
| 15-Year Fixed Jumbo | Fixed | 5.625% | 2.00 | 6.048% |
| 15-Year Fixed Jumbo | Fixed | 5.750% | 1.00 | 6.017% |
| 15-Year Fixed Jumbo | Fixed | 5.875% | 0.00 | 5.986% |
| 30-Year Fixed Jumbo | Fixed | 6.125% | 2.00 | 6.387% |
| 30-Year Fixed Jumbo | Fixed | 6.250% | 1.00 | 6.417% |
| 30-Year Fixed Jumbo | Fixed | 6.375% | 0.00 | 6.447% |
| 3/1 Year ARM (Conformin | Variable | 5.375% | 2.00 | 7.167% |
| 3/1 Year ARM (Conformin | Variable | 5.500% | 1.00 | 7.110% |
| 3/1 Year ARM (Conformin | Variable | 5.625% | 0.00 | 7.054% |
| 5/1 Year ARM (Conforming) | Variable | 5.500% | 2.00 | 6.958% |
| 5/1 Year ARM (Conforming) | Variable | 5.625% | 1.00 | 6.918% |
| 5/1 Year ARM (Conforming) | Variable | 5.750% | 0.00 | 6.879% |
| Home 97 5/1 Year ARM | Variable | 5.500% | 2.00 | 6.958% |
| Home 97 5/1 Year ARM | Variable | 5.625% | 1.00 | 6.918% |
| Home 97 5/1 Year ARM | Variable | 5.750% | 0.00 | 6.879% |
| 7/1 Year ARM (Conforming) | Variable | 5.625% | 2.00 | 6.799% |
| 7/1 Year ARM (Conforming) | Variable | 5.750% | 1.00 | 6.768% |
| 7/1 Year ARM (Conforming) | Variable | 5.875% | 0.00 | 6.736% |
| 10/1 Year ARM (Conforming) | Variable | 5.750% | 2.00 | 6.648% |
| 10/1 Year ARM (Conforming) | Variable | 5.875% | 1.00 | 6.635% |
| 10/1 Year ARM (Conforming) | Variable | 6.000% | 0.00 | 6.622% |
| Home 100 10/1 Year ARM | Variable | 5.750% | 2.00 | 6.648% |
| Home 100 10/1 Year ARM | Variable | 5.875% | 1.00 | 6.635% |
| Home 100 10/1 Year ARM | Variable | 6.000% | 0.00 | 6.622% |
| Home 100 7/1 Year ARM | Variable | 5.750% | 2.00 | 6.799% |
| Home 100 7/1 Year ARM | Variable | 5.875% | 1.00 | 6.768% |
| Home 100 7/1 Year ARM | Variable | 6.000% | 0.00 | 6.736% |
| Home 97 10/1 Year ARM | Variable | 5.750% | 2.00 | 6.648% |
| Home 97 10/1 Year ARM | Variable | 5.875% | 1.00 | 6.635% |
| Home 97 10/1 Year ARM | Variable | 6.000% | 0.00 | 6.622% |
| Home 97 7/1 Year ARM | Variable | 5.625% | 2.00 | 6.799% |
| Home 97 7/1 Year ARM | Variable | 5.750% | 1.00 | 6.768% |
| Home 97 7/1 Year ARM | Variable | 5.875% | 0.00 | 6.736% |
| HLPR (3/1 Year ARM) | Variable | 5.000% | 0.00 | 6.456% |
| 1/1 Arm Land Loan | Variable | 9.625% | 0.00 | 10.572% |
Effective date: September 14, 2024
Construction Loans
| Loan Type | Interest Rate | Points | APR |
|---|---|---|---|
| 30-Year Fixed | 6.375% | 0.00 | 6.632% |
| 30-Year Fixed Jumbo | 6.375% | 0.00 | 6.495% |
| 1/1 ARM Land Loan | 9.625% | 0.00 | 10.572% |
Effective date: September 14, 2024
Home Improvement Loans
| Loan Type | Term | APR As Low As | Payment Per $1000 | Description |
|---|---|---|---|---|
| Home Heating Loan | Up to 12-Months | 5.69% | $85.92 | $1,000 Minimum/$5,000 Maximum |
| Energy Efficiency Loan | Up to 84-Months | 2.00% | $12.78 | Must get approval by Electric company. $15,000 Maximum |
| Energy Efficiency Loan – Eversource Customers | Up to 84-Months | 0.00% | $12.78 | Must get approval by Electric company. $15,000 Maximum |
| No Equity Loan | Up to 60-Months | 9.69% | $21.09 | $1000 Minimum/$60,000 Maximum |
| No Equity Loan | Up to 84-Months | 10.69% | $21.59 | $1000 Minimum/$60,000 Maximum |
Effective date: September 14, 2024
Home Equity Loans
| Loan Type | Term | APR As Low As | Loan To Value Ratio |
|---|---|---|---|
| Home Equity Loan Second-Lien (Real Smart) | Up to 60-Months | 7.49% | 81-90% |
| Home Equity Loan Second-Lien (Real Smart) | Up to 84-Months | 6.19% | Up to 70% |
| Home Equity Loan Second-Lien (Real Smart) | Up to 84-Months | 6.69% | 71-80% |
| Home Equity Loan Second-Lien (Real Smart) | 61-120 Months | 7.99% | 81-90% |
| Home Equity Loan Second-Lien (Real Smart) | 85-107-Months | 6.39% | Up to 70% |
| Home Equity Loan Second-Lien (Real Smart) | 85-107-Months | 6.99% | 71-80% |
| Home Equity Loan Second-Lien (Real Smart) | 108-120-Months | 6.69% | Up to 70% |
| Home Equity Loan Second-Lien (Real Smart) | 108-120-Months | 7.19% | 71-80% |
| Home Equity Loan Second-Lien (Real Smart) | 121-180 Months | 7.19% | Up to 70% |
| Home Equity Loan Second-Lien (Real Smart) | 121-180 Months | 7.69% | 71-80% |
| HELOC (Interest Only) | 10-Year Draw Period/15-Year Payback Period | 8.50% | Up to 90% |
| Home Equity Loan First-Lien (Home Advantage) | 15-Year | 6.325% | Up to 80% |
Effective date: September 14, 2024
Personal Loans
| Loan Type | Term | APR As Low As1 | Description |
|---|---|---|---|
| Signature Loan (Personal) | Up to 60-Months | 11.69% | $75,000 Maximum |
| Certificate Secured Loan (Lighthouse CU) | 120-Months | Certificate rate plus 3.00% | Borrow up to 95% of certificate balance |
| Credit Builder Loan | Up to 24-Months | 7.99% | Minimum loan amount of $500; maximum loan amount of $2,000. |
Effective date: September 14, 2024
Business rates
Business Checking
| Balance | Dividend Rate | APY |
|---|---|---|
| Up to $4,999 | 0.00% | 0.00% |
| $5,000+ | 0.01% | 0.01% |
Effective date: September 14, 2024
Business Savings
| Balance | APY | Interest Rate |
|---|---|---|
| All Balances | 0.01% | 0.01% |
Effective date: September 14, 2024
Business Credit Card
| APR As Low As | Description |
|---|---|
| 15.50% | Variable rate |
| Prime + 7.00% |
Effective date: September 14, 2024
