Deposit & Loan Rates

Purchase Rates

New/Used Auto Loan Rates – Cars, Trucks, SUVs and Motorcycles

Model Year	Term	APR‍1 As Low As	Monthly Payment
2022 or newer	24 months	5.99%	$664.74
	36 months	6.49%	$459.67
	48 months	6.69%	$357.04
	60 months	6.89%	$296.24
	72 months	7.19%	$257.11
	84 months	7.99%	$233.72
2021 and older‍2	24 months	6.49%	$668.13
	36 months	6.74%	$461.38
	48 months	6.99%	$359.12
	60 months	7.24%	$298.72
	72 months	7.49%	$259.28
	84 months	8.24%	$235.59
Accurate as of 07/15/2024

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Refinance Rates

New/Used Auto Loan Refinance Rates – Cars, Trucks, SUVs and Motorcycles

Model Year	Term	APR‍1 As Low As	Monthly Payment
2022 or newer	24 months	5.99%	$664.74
	36 months	6.49%	$459.67
	48 months	6.69%	$357.04
	60 months	6.89%	$296.24
	72 months	7.19%	$257.11
	84 months	7.99%	$233.72
2021 and older‍2	24 months	6.49%	$668.13
	36 months	6.74%	$461.38
	48 months	6.99%	$359.12
	60 months	7.24%	$298.72
	72 months	7.49%	$259.28
	84 months	8.24%	$235.59
Accurate as of 07/15/2024

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ATV/UTVs, Watercraft, Snowmobiles

Recreational Loan Rates for ATVs, UTVs, Personal Watercraft and Snowmobiles

Term‍2	APR As Low As	Monthly Payment‍2
24 months	8.74%	$227.83
36 months	9.24%	$159.56
48 months	9.74%	$126.19
60 months	10.24%	$106.83
72 months	10.74%	$94.51
84 months	11.24%	$86.24
Accurate as of 07/15/2024

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Boats, Campers, RVs

Recreational Loan Rates for Boats, Campers, and RVs

Model Year	Min. Loan Amt.	Max. Term‍1	APR As Low As
2020 or newer	$5,000	60 months	8.24%
	$15,000	120 months	10.24%
	$20,000	144 months	10.74%
	$20,000	180 months	11.49%
2016-2019	$5,000	60 months	8.74%
	$15,000	120 months	10.74%
	$50,000	180 months	11.74%
2015 or older	$5,000	60 months	9.49%
	$25,000	120 months	10.74%
Accurate as of 07/15/2024

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Personal Loans & Lines of Credit

Personal Loan and Line of Credit Rates

Type	APR‍1 As Low As	Monthly Payment
Secured	6.74%‍2	$153.79
Personal Line of Credit (FlexPlus)	12.99%‍3	$200.00
Personal Line of Credit (Flex)	14.49%‍4	$200.00
Savings Secured Loan	4.25%‍5	$217.68
Accurate as of 07/15/2024

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Unsecured Personal Loans

Unsecured Personal Loan Rates

Term	APR‍1 As Low As	Loan Amount
24 Months	9.99%	$10,000
36 Months	10.49%	$10,000
48 Months	10.99%	$10,000
60 Months	11.49%	$10,000
72 Months	12.49%	$10,000
84 Months	13.49%	$10,000
Accurate as of 07/15/2024

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Credit Cards

Type	APR
Connexus Credit Cards	Call 800.845.5025

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Adjustable-rate Mortgages (ARMs)‍²

Mortgage ARM Rates

Term	Rates As Low As	APR‍1	Monthly Payment‍1
3/3 ARM	6.290%	7.401%	$618.32
5/3 ARM	6.540%	7.152%	$634.70
7/3 ARM	6.790%	7.169%	$651.26
Accurate as of 07/15/2024

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Fixed-rate Mortgages

Mortgage Fixed Rates

Term	Rates As Low As	APR‍1	Monthly Payment‍1
30-year fixed	6.500%	6.549%	$632.07
20-year fixed	6.125%	6.189%	$723.66
15-year fixed	6.000%	6.079%	$843.86
Accurate as of 07/15/2024

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Adjustable-rate Mortgages (ARMs)‍²

Mortgage ARM Rates

Term	Rates As Low As	APR‍1	Monthly Payment‍1
3/3 ARM	6.290%	7.401%	$618.32
5/3 ARM	6.540%	7.152%	$634.70
7/3 ARM	6.790%	7.169%	$651.26
Accurate as of 07/15/2024

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Fixed-rate Mortgages

Mortgage REFI Fixed Rates

Term	Rates As Low As	APR‍1	Monthly Payment‍1
30-year fixed	6.625%	6.701%	$640.31
20-year fixed	6.375%	6.477%	$738.23
15-year fixed	6.250%	6.337%	$857.42
Accurate as of 07/15/2024

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Rapid Refi Mortgages

Mortgage Rapid Refinance Rates

Term	Rates As Low As	APR‍1	Monthly Payment‍1
8-year fixed/Rapid Refi	6.540%	6.666%	$1,340.59
10-year fixed/Rapid Refi	6.640%	6.743%	$1,142.62
12-year fixed/Rapid Refi	6.740%	6.829%	$1,014.57
Accurate as of 07/15/2024

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VA Loan Rates – w/payments

Term	Rates As Low As	APR‍1	Monthly Payment
30-year fixed	7.250%	7.449%	$682.18
15-year fixed	6.500%	6.813%	$871.11
Accurate as of 07/15/2024

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Standard HELOC

Home Equity Loan Rates – Standard

Intro Rates‍1	Rates‍1	APR	Monthly Payment‍1
5.99% until April 1, 2025	8.74% after intro period.	8.74%	1.5% of the amount borrowed ($25 minimum).
6.49% until October 1, 2025
Rates accurate as of 07/15/2024

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Interest-Only HELOC

Home Equity Loan Rates – Interest-Only

Intro Rates‍2	Rates‍2	APR	Monthly Payment‍2
5.99% until April 1, 2025	9.24% after intro period.	9.24%	Interest due based on the amount borrowed
6.49% until October 1, 2025
Rates accurate as of 07/15/2024

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Home Equity Loans

Home Equity Loan – Term Tiers

Term‍1	Rates	APR	Monthly Payment‍1
5 years	7.14%	7.56%	$993.37
10 years	8.14%	8.37%	$610.34
15 years	9.24%	9.41%	$514.30
Rates accurate as of 07/15/2024

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Certificates and Jumbo Certificates

Certificate Rates

Term	Certificate $5,000+ APY‍1	Jumbo Certificate $100,000+ APY‍2
10 months Special	5.15%‍4	5.25%‍5
12 months	4.91%	4.96%
15 months Special	5.00%‍4	5.10%‍5
24 months	4.53%	4.58%
36 months	4.11%	4.16%
48 months	3.81%	3.86%
60 months	3.41%	3.46%
Accurate as of 07/15/2024

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Bump-Up Certificate

Certificate – Bump-up Rates

Term	APY‍3
24 months	4.06%
Accurate as of 07/15/2024

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Checking Account Rates

Account	APY
Xtraordinary Checking	1.75%‍1
Teen Checking	2.00%‍2
Accurate as of 07/15/2024

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Savings Account Rates

Account	APY
Savings Accounts ($100 and over)	0.10%‍1
Holiday Club Accounts	0.10%‍2
Accurate as of 07/15/2024

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Money Market Account Rates

Balance	APY‍1
$1,000,000 and over	3.91%
$500,000 to $999,999.99	3.16%
$250,000 to $499,999.99	2.91%
$100,000 to $249,999.99	2.66%
$20,000 to $99,999.99	2.41%
$1,000 to $19,999.99	0.25%
$0 to $999.99	0.00%
Accurate as of 07/15/2024

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Health Savings Account (HSA) Rates

Balance	APY‍2
$15,000 and over	1.01%
$5,000 to $14,999.99	0.50%
$2,500 to $4,999.99	0.30%
$500 to $2,499.99	0.20%
$100 to $499.99	0.10%
$0 to $99.99	0.00%
Accurate as of 07/15/2024

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IRA Certificates

Certificate Rates

Term	Certificate $5,000+ APY‍1	Jumbo Certificate $100,000+ APY‍2
10 months Special	5.15%‍4	5.25%‍5
12 months	4.91%	4.96%
15 months Special	5.00%‍4	5.10%‍5
24 months	4.53%	4.58%
36 months	4.11%	4.16%
48 months	3.81%	3.86%
60 months	3.41%	3.46%
Accurate as of 07/15/2024

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Bump-Up IRA Certificate

Certificate – Bump-up Rates

Term	APY‍3
24 months	4.06%
Accurate as of 07/15/2024

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IRA Savings Accounts

IRA Savings Account Rates – New

Balance	APY‍4
$10,000 and over	0.40%
$0 to $9,999.99	0.25%
Accurate as of 07/15/2024

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