Find all of our current rates here

Rates effective as of 07/01/16. The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.

Peak Rewards Checking*

Balance Dividend Rate APY
$0 - $15,000 2.97%+ 3.00%+
$15,000+ 0.15%+ 0.15%+
All balances if qualifications not met 0.01% 0.01%

Qualifications+

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Peak Rewards account each monthly qualification cycle:

  • Have at least 12 non-pin debit card purchases post and settle+
  • Be enrolled and receive e-statement notice+
  • Have at least 1 automatic payment (ACH) post and settle+
  • Be enrolled in and log into online banking+

If you don't meet the qualifications+ one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.

+Click here for full qualifications and disclosures.

Savings Accounts

Account Dividend Rate APY
Savings* 0.20% 0.20%
Special Purpose Savings* 0.20% 0.20%

Dividends compounded quarterly. The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.

*Minimum balance to earn dividends.

Money Market Shares*

Balance Dividend Rate APY
$2,500 - $9,999 0.20% 0.20%
$10,000 - $24,999 0.25% 0.25%
$25,000 - $49,999 0.30% 0.30%
$50,000 - $99,999 0.35% 0.35%
$100,000+ 0.40% 0.40%

Dividends compounded monthly. The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.

*Minimum balance to earn dividends.

Individual Retirement Accounts

Account Dividend Rate APY
Regular IRA Shares 0.20% 0.20%
Roth IRA Shares 0.20% 0.20%
Educational/Coverdell IRA Shares 0.20% 0.20%

Dividends compounded quarterly. The Annual Percentage Yield is variable after an account is opened. Click here to view our most current Truth-in-Savings Disclosure. Fees may reduce earnings on these accounts. Contact the credit union for full disclosure requirements.

Share Certificates

Term Balance Dividend Rate APY
90-Day Up to $100,000 0.25% 0.25%
90-Day Over $100,000 0.25% 0.25%
180-Day Up to $100,000 0.55% 0.55%
180-Day Over $100,000 0.55% 0.55%
12-Month Up to $100,000 0.80% 0.80%
12-Month Over $100,000 0.90% 0.90%
18-Month Up to $100,000 1.15% 1.15%
18-Month Over $100,000 1.24% 1.25%
24-Month Up to $100,000 1.44% 1.45%
24-Month Over $100,000 1.54% 1.55%
36-Month Up to $100,000 1.80% 1.81%
36-Month Over $100,000 1.90% 1.91%
12-Month IRA Up to $100,000 0.90% 0.90%
12-Month IRA Over $100,000 0.90% 0.90%
24-Month IRA Up to $100,000 1.54%  1.55%
24-Month IRA Over $100,000 1.54%  1.55%

Dividends compounded quarterly. No loss of principal investment. The dividend payment method selected may affect certificate earnings. Fees may reduce earnings on these accounts. A penalty may or may not be imposed for early withdrawal. Penalty for early withdrawal for certificates with terms of 90 days or less is 30 days' dividends, certificates with terms of less than 1 year and more than 90 days is 90 days' dividends, certificates with terms between 12-24 months is 180 days' dividends, and certificates with terms of greater than 24 months are 365 days' dividends. No penalties for catastrophic events. Click here to view our most current Truth-in-Savings Disclosure. Contact the credit union for full disclosure requirements.

Auto Loans

Type APR Terms
New 2.49% - 13.49% Up to 84 months (APR may vary)
Used 2.49% - 13.49% Up to 84 months (APR may vary)
Classics & Collectibles As low as 8.20% Up to 72 months (APR may vary)

Recreational Vehicle Loans

TypeAPRTerms
Aircraft As low as 5.10% Up to 144 months

(APR may vary)

Boats As low as 5.15% Up to 240 months

(APR may vary)

Motorcycles & Off-Road Vehicles As low as 3.44% Up to 60 months

(APR may vary)

Motorhomes, Campers, & Trailers As low as 4.90% Up to 240 months

(APR may vary)

Other Consumer Loans

TypeAPRTerms
Signature As low as 11.35% Up to 60 months

(APR may vary)

New! Platinum VISA Credit Card As low as 8.95% Revolving / No Annual Fee!
Miscellaneous Collateral As low as 7.70% Up to 84 months

(APR may vary)

Pledge of Shares/Pledge of Certificate Div Rate + 3.00% Up to 144 months

(APR may vary)

Home & Real Estate Products

TypeAPRTerms
Mini-Home Equity Line of Credit Currently as low as 7.00%

(Variable rate as low as Prime+3.50%)

Revolving

(APR may vary)

Mini-Mortgage As low as 7.95% Up to 48 months

(APR may vary)

Home Equity Line of Credit Currently as low as 3.00%

(Variable rate as low as Prime -.50%)

Up to 240 months

(APR may vary)

Fixed Rate Equity Loan As low as 5.90% Up to 180 months

(APR may vary)

Recreational Property As low as 6.90% Up to 144 months

(APR may vary)

Fee Schedule

Credit Union ServicesApplicable Fees & Conditions
Savings Minimum balance of $5 required
Under Minimum Balance $5.00 every 6 months
Bad Address $5.00
Inactive Account Fee

(If combined balance falls below $50 with no member-initiated activity for 1 year. Waived if loan activity on same acct.)

$5.00 per month/per account
Member Checking $5.00 per month

This fee is WAIVED if the account balance of $100 or more is maintained for the full calendar month -OR- with an active direct deposit on the account

Non-Sufficient Funds (NSF) $25.00 per item
Courtesy Pay / NSF Check & Debit Clearing Fee

Fee based on amount of overdraft

Overdraft amount between:
$ 0.00 - $ 5.00 = $ 0.00
$ 5.01 - $10.00 = $ 5.00
$10.01 - $15.00 = $10.00
$15.01 - $20.00 = $15.00
$20.01 - $25.00 = $20.00
Over $25.00 = $25.00
Transfer for Overdraft $5.00 per transfer
First 2 Stop Payments in calendar year $10.00 per item
3rd-7th Stop Payments in calendar year $25.00 per item
8th-12th Stop Payments in calendar year $30.00 per item
Image of Cleared Check via eNavigator! Online Banking Free
Copy of Cleared Check $1.00 per item
Statement Copy $2.00 per item
Counter Checks $.25 each
Order of Checks Varies
Rejected Item $5.00 per item
IRA FREE

(Premature withdrawals up to 5 per year)

Premature Withdrawals $25.00 each

(more than 5 per year)

Other Services
Cashiers Check $1.00 each

(Free if payable to self)

Money Order $1.00 each
ePay Online Bill Payment

*ePay is free to all active user accounts. Active user accounts are defined as ePay accounts that have been used to pay at least one (1) bill per month.

FREE for Active Users*

A monthly fee of $4.95 will be charged to your share draft account if the account becomes inactive or if you have not paid at least one (1) bill during the monthly period.

Stop Payment of Cashiers Check or Money Order $10.00 each
ATM Surcharge Varies

(Click here for list of surcharge-free ATMs for members)

Instant Issue ATM Card $5.00 per card
ATM/VISA Check Card Reissue $5.00 per card
VISA Gift Card $9.95 per card
VISA Travel Money Card (re-loadable) $9.95 per card (plus $4.95 per re-load)
Coin Counter Free for members | 5% for non-members
Recurring ACH $10.00 each

(one-time setup fee)

Wire Transfer $20.00 each
International Wire Transfer $60.00 each
Outgoing Foreign Item Collection Fee $25.00 each
Safe Deposit Boxes - $40.00 per year for a 3"x5" box
- $40.00 per year for a 5"x5" box
- $60.00 per year for a 3"x10" box
- $70.00 per year for a 5"x10" box
- $85.00 per year for a 7"x10" box
- $105.00 per year for a 10"x10" box
- $125.00 New Key Fee
Notary for Member or Non-Member FREE
Skip-A-Payment $25.00
Verification of Deposit $10.00
DMV Document Rush $10.00
Returned Deposited Item (if written by self) $20.00 per item
Improperly Encoded Check $5.00 per item
Research $15.00 per hour

($5.00 minimum)

Levy/Garnishment Fee $40.00 per item
Subordination Agreement Fee $75.00