Savings Rates
Primary Savings
| Balance | APY* |
|---|---|
| $49.99-$499.99 | 0.01% |
| $500-$4,999.99 | 0.01% |
| $5000-$9,999.99 | 0.02% |
| $10,000+ | 0.04% |
Rates subject to change.
* Annual Percentage Yield
Minimum balance of $25 required to maintain credit union membership.
Liquid Gold Savings
| Balance | APY* |
|---|---|
| <$50,000 | 0.10% |
| $50,000-$99,999 | 0.10% |
| $100,000-$249,999 | 0.50% |
| $250,000+ | 0.70% |
Rates subject to change.
$100,000 minimum average daily balance to avoid a monthly low balance fee of $15.
Dividends paid monthly on average daily balance.
*Annual Percentage Yield
Money Market
| Balance** | APY* |
|---|---|
| $0-$2,499 | 0.00% |
| $2,500-$24,999 | 0.03% |
| $25,000-$49,999 | 0.07% |
| $50,000-$99,999 | 0.30% |
| $100,000+ | 0.50% |
Rates subject to change.
* Annual Percentage Yield
**An average daily balance of $2,500 must be maintained to avoid a monthly service charge of $5.
Horizon Savings
| Balance | APY* |
|---|---|
| $0-$2,499 | 0.07% |
| $2,500+ | 0.03% |
Rates subject to change.
* Annual Percentage Yield
Rainbow Savings
| Account | APY* |
|---|---|
| Rainbow Share | 0.10% |
| Rainbow Roth IRA | 0.10% |
| Rainbow Regular IRA | 0.10% |
| Rainbow Educational IRA | 0.10% |
Rates subject to change.
$25 minimum monthly deposit required.
Dividends paid monthly on average daily balance.
Limited withdrawals.
* Annual Percentage Yield
Checking Rates
Panorama Checking
| Average Daily Balance | Dividend APY* |
|---|---|
| $0-15,000 | 4.00% |
| $15,000.01+ | 0.04%**** |
*APY (Annual Percent Yield)
**Monthly requirements for dividend pay out:
- Have at least 10 debit card purchases of $5 or more posted in each statement cycle
- Receive e-statements
- Have at least one direct deposit
****Rate corresponds to the rate associated with a primary savings account
Rates subject to change. Dividends paid monthly on average daily balance.
Vista Relationship Checking
| Tier | Average Daily Balance | APY* |
|---|---|---|
| Tier 1 | $0-4,999.99 | 0.01% |
| Tier 2 | $5,000-9,999.99 | 0.01% |
| Tier 3 | $10,000-24,999.99 | 0.02% |
| Tier 4 | $25,000-49,999.99 | 0.03% |
| Tier 5 | $50,000+ | 0.03% |
Rates subject to change.
* Annual Percentage Yield
Certificate Rates
Certificate of Deposit
| Term | Balance | APY* |
|---|---|---|
| 6 Mos. | $500-$9,999 | 0.25% |
| $10,000+ | 0.30% | |
| 12 Mos. | $500-$9,999 | 0.53% |
| $10,000+ | 0.58% | |
| 18 Mos. | $500-$9,999 | 0.80% |
| $10,000+ | 0.85% | |
| 24 Mos. | $500-$9,999 | 1.03% |
| $10,000+ | 1.09% | |
| 36 Mos. | $500-$9,999 | 1.21% |
| $10,000+ | 1.26% | |
| 48 Mos. | $500-$9,999 | 1.36% |
| $10,000+ | 1.41% | |
| 60 Mos. | $500-$9,999 | 1.56% |
| $10,000+ | 1.61% |
Rates subject to change.
* Annual Percentage Yield.
IRA Savings
| Balance | APY* |
|---|---|
| No Minimum | 0.15% |
Rates subject to change.
*Annual Percentage Yield
Traditional & ROTH IRA
| Term | APY* |
|---|---|
| 6 Mos. | 0.30% |
| 12 Mos. | 0.58% |
| 24 Mos. | 1.09% |
| 36 Mos. | 1.26% |
| 48 Mos. | 1.41% |
| 60 Mos. | 1.61% |
Rates subject to change.
$500 minimum deposit amount.
* Annual Percentage Yield
Loan Rates
Automobiles
| Vehicle Year | Rate as low as | Term |
|---|---|---|
| 2017 and Newer | 3.11% | 66 Mos. |
| 2012-2016 | 3.38% | 66 Mos. |
| 2011 and Older | 5.28% | 60 Mos. |
Rates subject to change.
Large Recreational Vehicles
| Vehicle Year | Rate as low as | Term |
|---|---|---|
| 2019 and Newer | 5.19% | 60 Mos. |
| 2013-2018 | 5.69% | 60 Mos. |
| 2010-2012 | 6.69% | 60 Mos. |
Rates subject to change.
Real Estate Secured
| Type | Rate as low as | Term |
|---|---|---|
| Second Mortgage | 3.65% | 60 Mos. |
| Home Equity Line of Credit | 4.50% | 60 Mos. |
| Land Loans | 7.75% | 60 Mos. |
Rates subject to change.
Small Recreational Vehicles
| Vehicle Year | Rate as low as | Term |
|---|---|---|
| 2019 & Newer | 4.49% | 48 Mos. |
| 2013-2018 | 4.89% | 48 Mos. |
Rates subject to change.
Unsecured
| Type | Rate as low as |
|---|---|
| Signature | 8.99% |
Rates subject to change.
Credit Cards
Platinum Black Rewards Credit Card
| Type | Rate as low as |
|---|---|
| Visa Platinum Black Rewards | 7.75% APR* |
Rates subject to change.
* Annual Percentage Rate
PlatinumCredit Card
| Type | Rate as low as |
|---|---|
| Visa Platinum | 8.50% APR* |
Rates subject to change. Rate applies after the first 12 months.
* Annual Percentage Rate. Balance transfers must be completed by May 31, 2020. 0% intro APR on balances transferred for 12 months from date of transfer. After that, the variable APR will be based on your creditworthiness.