Savings Rates
Primary Savings
| Balance | APY* |
|---|---|
| $49.99-$499.99 | 0.05% |
| $500-$4,999.99 | 0.05% |
| $5000-$9,999.99 | 0.10% |
| $10,000+ | 0.15% |
Rates subject to change.
* Annual Percentage Yield
Minimum balance of $25 required to maintain credit union membership.
Liquid Gold Savings
| Balance | APY* |
|---|---|
| <$50,000 | 0.75% |
| $50,000-$99,999 | 1.00% |
| $100,000-$249,999 | 1.76% |
| $250,000+ | 2.27% |
These rates are current as of February 1, 2019.
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 | 0.25% |
| $25,000-$49,999 | 0.75% |
| $50,000-$99,999 | 1.51% |
| $100,000+ | 1.76% |
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.
Pollywog Savings
| Balance | APY* |
|---|---|
| $0-$2,499 | 0.10% |
| $2,500+ | 0.05% |
Rates subject to change.
* Annual Percentage Yield
Rainbow Savings
| Account | APY* |
|---|---|
| Rainbow Share | 0.35% |
| Rainbow Roth IRA | 0.35% |
| Rainbow Regular IRA | 0.35% |
| Rainbow Educational IRA | 0.35% |
Rates subject to change.
$25 minimum monthly deposit required.
Dividends paid monthly on average daily balance.
Limited withdrawals.
* Annual Percentage Yield
Checking Rates
Vista Cash Back Checking
| Balance | % Cash Back |
|---|---|
| $0-1,999.99 | 2.0% (up to $150) |
| $2,000-5,999.99 | 3.0% (up to $250) |
| $6,000+ | 4.0% (up to $350) |
Rates subject to change.
$100 to open an account
Dividends paid monthly on average daily balance
No monthly fee, assuming all qualifications are met:
* Have at least 12 debit card purchases of $5 or more
* Receive e-statements
* Have at least one automatic payment or direct deposit
Vista Relationship Checking
| Tier | Average Daily Balance | APY* |
|---|---|---|
| Tier 1 | $0-4,999.99 | .02% |
| Tier 2 | $5,000-9,999.99 | .02% |
| Tier 3 | $10,000-24,999.99 | .05% |
| Tier 4 | $25,000-49,999.99 | .05% |
| Tier 5 | $50,000+ | .05% |
Rates subject to change.
* Annual Percentage Yield
Certificate Rates
Certificate of Deposit
| Term | Balance | APY* |
|---|---|---|
| 6 Mos. | $500-$9,999 | 0.40% |
| $10,000+ | 0.45% | |
| 12 Mos. | $500-$9,999 | 0.70% |
| $10,000+ | 0.75% | |
| 18 Mos. | $500-$9,999 | 0.95% |
| $10,000+ | 1.00% | |
| 19 Mos. | $500+ | 2.72% |
| 24 Mos. | $500-$9,999 | 1.21% |
| $10,000+ | 1.26% | |
| 36 Mos. | $500-$9,999 | 1.41% |
| $10,000+ | 1.46% | |
| 48 Mos. | $500-$9,999 | 1.61% |
| $10,000+ | 1.66% | |
| 60 Mos. | $500-$9,999 | 1.97% |
| $10,000+ | 2.02% |
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. | 0.45% |
| 12 Mos. | 0.75% |
| 24 Mos. | 1.26% |
| 36 Mos. | 1.46% |
| 48 Mos. | 1.66% |
| 60 Mos. | 2.02% |
Rates subject to change.
$500 minimum deposit amount.
* Annual Percentage Yield
Loan Rates
Automobiles
| Vehicle Year | Rate as low as | Term |
|---|---|---|
| 2016 and Newer | 3.74% | 66 Mos. |
| 2011-2015 | 3.99% | 66 Mos. |
| 2010 and Older | 5.89% | 60 Mos. |
Rates subject to change.
Large Recreational Vehicles
| Vehicle Year | Rate as low as | Term |
|---|---|---|
| 2018 and Newer | 5.49% | 60 Mos. |
| 2012-2017 | 5.99% | 60 Mos. |
| 2009-2011 | 6.99% | 60 Mos. |
Rates subject to change.
Real Estate Secured
| Type | Rate as low as | Term |
|---|---|---|
| Second Mortgage | 4.75% | 60 Mos. |
| Home Equity Line of Credit | 5.50% | 60 Mos. |
| Land Loans | 7.75% | 60 Mos. |
Rates subject to change.
Small Recreational Vehicles
| Vehicle Year | Rate as low as | Term |
|---|---|---|
| 2018 & Newer | 4.04% | 48 Mos. |
| 2012-2017 | 4.44% | 48 Mos. |
Rates subject to change.
Unsecured
| Type | Rate as low as |
|---|---|
| Signature | 18.00% |
Rates subject to change.
Credit Cards
Platinum Black Rewards Credit Card
| Type | Rate as low as |
|---|---|
| Visa Platinum Black Rewards | 10.00% APR* |
Rates subject to change.
* Annual Percentage Rate
PlatinumCredit Card
| Type | Rate as low as |
|---|---|
| Visa Platinum | 9.00% APR* |
Rates subject to change.
* Annual Percentage Rate