Rates

Rates and fees

Effective May 1, 2026. Rates are declared by our Board of Directors — members, not shareholders.

Share accounts

Share accounts rates
Account type	Minimum	Compounded	Nominal	APY*
Regular shares	N/A	Monthly	0.60%	0.602%
Regular IRA shares	N/A	Monthly	0.85%	0.853%

Checking

Checking rates
Account type	Minimum	Compounded	Nominal	APY*
Crescent checking	$2,000	Monthly	0.15%	0.150%

Share certificates

Share certificates rates
Account type	Minimum	Compounded	Nominal	APY*
6 month certificate	$1,000	Daily	3.45%	3.510%
12 month certificateBest rate	$1,000	Daily	4.00%	4.081%
18 month certificate	$1,000	Daily	3.20%	3.252%
24 month certificate	$1,000	Daily	3.00%	3.045%
36 month certificate	$1,000	Daily	3.00%	3.045%
60 month certificate	$1,000	Daily	3.00%	3.045%

6 month certificate
Minimum
$1,000
Compounded
Daily
Nominal
3.45%
APY*
3.510%
12 month certificateBest rate
Minimum
$1,000
Compounded
Daily
Nominal
4.00%
APY*
4.081%
18 month certificate
Minimum
$1,000
Compounded
Daily
Nominal
3.20%
APY*
3.252%
24 month certificate
Minimum
$1,000
Compounded
Daily
Nominal
3.00%
APY*
3.045%
36 month certificate
Minimum
$1,000
Compounded
Daily
Nominal
3.00%
APY*
3.045%
60 month certificate
Minimum
$1,000
Compounded
Daily
Nominal
3.00%
APY*
3.045%

*As high as

Auto loans

Auto loans rates
Loan type	Term	Notes	APR*
New / used autoLowest	48 months	Current & prior 2 model years	4.50%
New / used auto	60 months	Current & prior 2 model years	4.75%
New / used auto	75 months	$20K or greater loan amount	5.25%
New / used auto	84 months	$30K or greater loan amount	6.25%

Used cars and trucks

Used cars and trucks rates
Loan type	Term	Notes	APR*
Used car / truck	60 months max	3 model years & older	5.00%

Motorcycles

Motorcycles rates
Loan type	Term	Notes	APR*
Street motorcycle, 500cc+	48 months	Current & prior 2 model years	6.00%

Boats

Boats rates
Loan type	Term	Notes	APR*
New / used boat	60 months	Current & prior 2 model years	6.45%

Recreational vehicles

Recreational vehicles rates
Loan type	Term	Notes	APR*
New RV	75 months	Credit & minimum loan restrictions	7.25%

Farm equipment

Farm equipment rates
Loan type	Term	Notes	APR*
New farm equipment	60 months	—	6.75%

ATVs and watercraft

ATVs and watercraft rates
Loan type	Term	Notes	APR*
ATV / watercraft / off-road	36 months	New or used	9.25%

Personal loans

Personal loans rates
Loan type	Term	Notes	APR*
Unsecured loan	—	Tailored to your budget	9.99%

Credit cards

Credit cards rates
Loan type	Term	Notes	APR*
Visa Classic	Revolving	No annual fee, 25-day grace period	8.99%

Share secured loans

Share secured loans rates
Loan type	Term	Notes	APR*
Share secured, variable	—	1.5% margin over pledged account	2.10%
Share secured, fixed	5 years max	—	2.60%

*As low as

Rates effective May 1, 2026 and subject to change.

Estimate a payment

What will it cost a month?

Pick a loan type, set the amount and term, and adjust the rate to match your own.

What are you borrowing for?

Amount$25,000

$2,000$75,000

Term

Rate (APR %)

Published rate for this term is as low as 4.50% APR — adjust for your own.

Estimated monthly payment

$570.09

Total interest: $2,364.18
Total repaid: $27,364.18

This is an estimate, not an offer or an application. Member credit score determines your actual rate, and the published rates are the lowest available. Figures show principal and interest only; they do not include taxes, insurance, title, or any optional products. Loan amounts of $20,000 or greater are subject to credit and policy limitations.