Rates

Qualifications to Earn Rewards

Enrollments must be in place and all of the following transactions and activities must post and settle to your Peak Rewards Checking account during each Monthly Qualification Cycle:

• At least 1 bill pay or ACH payment transaction
• At least 12 debit card purchases
• Be enrolled in and review eStatements

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Qualifications to Earn the Higher Rate

Qualifying for your Peak Rewards Checking automatically qualifies you for the highest Peak Rewards Savings rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Peak Rewards Checking account during each Monthly Qualification Cycle:

• At least 1 bill pay or ACH payment transaction
• At least 12 debit card purchases
• Be enrolled in and review eStatements

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Peak Rewards Savings. And you can get right back to earning your full rewards the very next cycle that you qualify.

APY stands for Annual Percentage Yield. No minimum balance is required to earn stated APY. Rates and terms are accurate as of May 1, 2025, and are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available.

*FYI share certificate is limited to account holders ages 13 – 17. This share has a minimum opening deposit of $100 and a maximum deposit amount of $1,000.

Penalty for early withdrawal – If you withdraw funds from a share certificate prior to the maturity date, the early withdrawal penalty will be: less than one year = 91 days’ dividends; 1-3 years = 182 days’ dividends; and greater than 3 years = 365 days’ dividends. The time frame is based on the original maturity date at time of purchase. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

Rates effective 05/01/2025.

*Annual Percentage Yield (APY) effective 10/1/24.

*This promotional rate for Home Equity Lines of Credit is effective July 22, 2024. This rate is available for 1st and 2nd lien positions. Please see lender for details.

*APR is defined as Annual Percentage Rate. Rates effective September 22, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Monthly payment example based on a $125,000 loan: $1998.11 at 4.74% APR with a 72 month term; $1,155.61 at 4.99% with a 144 month term; and $1020.86 at 5.49% APR with a 180 month term. Equal housing lender.

*APR is defined as Annual Percentage Rate. Rates effective September 22, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Monthly payment example based on a $25,000 loan: $420.14 at 6.49% APR with a 72 month term; $263.71 at 7.49% APR with a 144 month term. Our APR may differ based on your loan amount, repayment method, and other factors. Equal Housing Lender.

*APR is defined as Annual Percentage Rate. Rates effective January 9, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $20,000 loan: $590.34 at 3.99% APR with a 36 month term; $310.95 at 4.99% APR with a 75 month term; $292.07 at 5.99% APR with an 84 month term; and $272.57 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors.
¹2014 and older vehicles

*APR is defined as Annual Percentage Rate. Rates effective January 9, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $20,000 loan: $590.34 at 3.99% APR with a 36 month term; $310.95 at 4.99% APR with a 75 month term; $292.07 at 5.99% APR with an 84 month term; and $272.57 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors.

*APR is defined as Annual Percentage Rate. Rates effective May 1, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $20,000 loan: $345.81 at 7.49% APR with a 72 month term; $236.52 at 7.99% APR with a 120 month term; and $210.84 at 9.99% APR with a 180 month term. Our APR may differ based on your loan amount, repayment method, and other factors.

*APR is defined as Annual Percentage Rate. Rates effective May 1, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $20,000 loan: $345.81 at 7.49% APR with a 72 month term; $236.52 at 7.99% APR with a 120 month term; and $210.84 at 9.99% APR with a 180 month term. Our APR may differ based on your loan amount, repayment method, and other factors.

*Rates apply to utility and side-by-side ATV’s, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective May 1, 2025. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.56 at 5.49% APR with a 48 month term; $192.78 at 5.99% APR with a 60 month term; and $170.49 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.

**Mileage Limitations: motorcycles under 10,000 miles; ATVs under 200 hours; snowmobiles under 3,000 miles.
***Mileage Limitations: motorcycles under 15,000 miles; ATVs under 500 hours; snowmobiles under 5,000 miles.

*Rates apply to flat-bed, horse, car carrier, toy hauler and utility trailers (no living quarters). APR is defined as Annual Percentage Rate. Rates effective June 15, 2023. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $3,000 loan: $135.70 at 7.99% APR with a 24 month term; $73.25 at 7.99% APR with a 48 month term; and $53.34 at 8.49% with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.

*Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar. APR is defined as Annual Percentage Rate. Rates effective May 1, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $225.02 at 7.49% APR with a 24 month term; $120.90 at 7.49% APR with a 48 month term; and $87.67 at 7.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.

*APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates effective January 19, 2023. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $2,000 loan: $93.20 at 10.99% APR with a 24 month term; $65.47 at 10.99% APR with a 36 month term; and $52.66 at 11.99% APR with a 48 month term. Your APR may differ based on your loan amount, repayment method, and other factors.

**Personal line of credit rate is based on the Wall Street Journal prime rate plus six percent. Rate, terms and conditions are subject to change based on market conditions.