Rates
Lending Rates*
As of May 1st , 2026
Vehicle Loans
| Term | Model Year 2024—2027 Up to $65,000 |
Model Year 2021—2023 Up to $40,000 |
Model Year 2020 and older Up to $35,000 |
|---|---|---|---|
| Up to 36 months | 4.50 - 11.50% | 5.75 - 12.75% | 7.50 - 15.50% |
| Up to 60 months | 5.00 - 10.50% | 6.25 - 11.75% | 8.50 - 14.50% |
| Up to 84 months | 5.75 - 8.75% | 7.00 - 10.50% |
Available terms may vary by vehicle and creditworthiness. A representative $25,000 loan at 5.00% APR for 60 months has a monthly payment of $471.78.
Personal Loans
| Term | Unsecured up to $50,000 | Share Secured up to $50,000 |
|---|---|---|
| Up to 24 months | 7.25 - 15.25% | Share Dividend + 4 Pts |
| Up to 36 months | 8.00 - 16.00% | Share Dividend + 4 Pts |
| Up to 60 months | 8.75 - 16.75% | Share Dividend + 4 Pts |
Available terms may vary by loan purpose and creditworthiness. A representative $10,000 loan at 8.00% APR for 36 months has a monthly payment of $313.36
Business & Commercial Loans
Business-use term loans and lines of credit are available for rates that vary by term, collateral, and creditworthiness. Please contact us to receive a quote on these types of loans.
Recreational Vehicles and Boats
Recreational Vehicle Loans and Boat Loans are available for up to $65,000 at competitive rates. Please contact us to receive a quote on these types of loans.
Credit Cards
Credit Card APR will vary based on card type and creditworthiness. Click to Learn More
*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 May 1st, 2026
Account Rates
| Account Type | Annual Percentage Rate | Annual Percentage Yield | Description |
|---|---|---|---|
| Primary Share Account | 0.75% | 0.75% | Unlimited transfers to and from your checking account. |
| Standard Club Savings | 0.75% | 0.75% | Up to two extra savings accounts to organize your money |
| Holiday Club Savings | 0.80% | 0.80% | Automatically transfers to your share on November 15 |
| Vacation Club Savings | 0.80% | 0.80% | 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 Club Savings | 1.75% | 1.76% | Special Savings Club for Long-Term Saving |
Share Certificate Rates
Share Certificate accounts are accounts opened for a fixed term that earn a fixed dividend rate.
| Term | Annual Percentage Rate | Annual Percentage Yield | Balance Requirements |
|---|---|---|---|
| 3 Month Certificate | 3.00% | 3.03% | -- |
| 5 Month Dream Builder Certificate* | 5.00% | 5.09% | $5,000 maximum |
| 6 Month Certificate | 2.75% | 2.78% | -- |
| 1 Year Certificate | 2.75% | 2.78% | $250.00 minimum |
| 2 Year Certificate | 2.00% | 2.02% | $250.00 minimum |
| 3 Year Certificate | 1.75% | 1.76% | $250.00 minimum |
| 5 Year Certificate | 3.25% | 3.29% | $250.00 minimum |
*Special rate available for members 18 years or younger and participants in the Future Dream Club on or before 4/30/2026.