Rates
Lending Rates*
As of January 3rd, 2025
Vehicle Loans
| Term | Model Year 2022—2025 Up to $65,000 |
Model Year 2019—2021 Up to $40,000 |
Model Year Pre-2019 Up to $35,000 |
|---|---|---|---|
| Up to 36 months | 5.00 - 12.00% | 6.50 - 16.50% | 8.00 - 16.50% |
| Up to 60 months | 5.50 - 15.00% | 7.00 - 16.50% | 9.25 - 16.50% |
| Up to 84 months | 6.50 - 16.00% | 7.50 - 16.50% | 10.00 - 16.50% |
Personal Loans
| Term | Unsecured up to $2,500 | Share Secured up to $2,500 |
|---|---|---|
| Up to 12 months | 8.50 - 18.00% | Share Dividend + 4 Pts |
| Up to 24 months | 8.50 - 18.00% | Share Dividend + 4 Pts |
| Term | Unsecured up to $10,000 | Share Secured up to $20,000 |
|---|---|---|
| Up to 36 months | 8.50 - 18.00% | Share Dividend + 4 Pts |
| Up to 60 months | 9.50 - 18.00% | Share Dividend + 4 Pts |
| Up to 84 months | 10.50 - 18.00% | Share Dividend + 4 Pts |
*Limitations apply. Rates vary based on credit history and may change without notice. All loans are monthly installment loans, see lending page for more details or call (201) 968-0202.
Savings Rates
As of January 3rd, 2025
Account Rates
| Account Type | Annual Percentage Rate | Annual Percentage Yield | Description |
|---|---|---|---|
| Primary Share Account | 1.00% | 1.00% | Unlimited transfers to and from your checking account. |
| Standard Club Savings | 1.00% | 1.00% | Up to two extra savings accounts to organize your money |
| Holiday Club Savings | 1.00% | 1.00% | Automatically transfers to your share on November 15 |
| Vacation Club Savings | 1.00% | 1.00% | Automatically transfers to your share on May 15 |
| Teacher's Club Savings | 1.25% | 1.26% | Special account for education workers. No fee withdrawal period from June 15 to September 1 | Future Dream Education Savings | 2.00% | 2.02% | Youth account for education savings and expenses |
Certificate of Deposit (CD) Rates
CD Accounts with terms of 1 year or more also available as Traditional IRA CDs.
| CD Term | Annual Percentage Rate | Annual Percentage Yield | Balance Requirements |
|---|---|---|---|
| 3 Month CD | 2.00% | 2.02% | -- |
| 6 Month CD | 2.50% | 2.52% | $150.00 minimum |
| 9 Month Community CD | 4.00% | 4.06% | $250.00 - $10,000.00 |
| 1 Year CD | 2.50% | 2.52% | $250.00 minimum |
| 2 Year CD | 3.00% | 3.03% | $250.00 minimum |
| 3 Year CD | 2.50% | 2.52% | $250.00 minimum |
| 5 Year CD | 2.50% | 2.52% | $250.00 minimum |