Rates
Lending Rates*
As of May 5th, 2025
Vehicle Loans
| Term | Model Year 2023—2025 Up to $65,000 |
Model Year 2020—2022 Up to $40,000 |
Model Year Pre-2020 Up to $35,000 |
|---|---|---|---|
| Up to 36 months | 5.00 - 12.00% | 6.50 - 16.50% | 8.00 - 16.50% |
| Up to 60 months | 5.50 - 15.00% | 7.00 - 16.50% | 9.25 - 16.50% |
| Up to 84 months | 6.50 - 16.00% | 7.50 - 16.50% | 10.00 - 16.50% |
Personal Loans
| Term | Unsecured up to $2,500 | Share Secured up to $2,500 |
|---|---|---|
| Up to 12 months | 8.50 - 18.00% | Share Dividend + 4 Pts |
| Up to 24 months | 8.50 - 18.00% | Share Dividend + 4 Pts |
| Term | Unsecured up to $50,000 | Share Secured up to $50,000 |
|---|---|---|
| Up to 36 months | 8.50 - 18.00% | Share Dividend + 4 Pts |
| Up to 60 months | 9.50 - 18.00% | Share Dividend + 4 Pts |
| Up to 84 months | 10.50 - 18.00% | Share Dividend + 4 Pts |
*Limitations apply. Rates vary based on credit history and may change without notice. All loans are monthly installment loans, see lending page for more details or call (201) 968-0202.
Business & Commercial Loans
Business-use term loans and lines of credit are available for negotiable terms and rates. Please contact us to receive a quote on these types of loans.
Recreational Vehicles and Boats
Recreational Vehicle Loans and Boat Loans are available for up to $65,000 at competitive rates. Please contact us to receive a quote on these types of loans.
Credit Cards
Credit Card APR will vary based on card type and creditworthiness. Click to Learn More
Savings Rates
As of May 5th, 2025
Account Rates
| Account Type | Annual Percentage Rate | Annual Percentage Yield | Description |
|---|---|---|---|
| Primary Share Account | 1.00% | 1.00% | Unlimited transfers to and from your checking account. |
| Standard Club Savings | 1.00% | 1.00% | Up to two extra savings accounts to organize your money |
| Holiday Club Savings | 1.00% | 1.00% | Automatically transfers to your share on November 15 |
| Vacation Club Savings | 1.00% | 1.00% | Automatically transfers to your share on May 15 |
| Teacher's Club Savings | 1.25% | 1.26% | Special account for education workers. No fee withdrawal period from June 15 to September 1 | Future Dream Education Savings | 2.00% | 2.02% | Youth account for education savings and expenses |
Certificate of Deposit (CD) Rates
CD Accounts with terms of 1 year or more also available as Traditional IRA CDs.
| CD Term | Annual Percentage Rate | Annual Percentage Yield | Balance Requirements |
|---|---|---|---|
| 3 Month CD | 2.00% | 2.02% | -- |
| 6 Month CD | 2.50% | 2.52% | $150.00 minimum |
| 9 Month Community CD | 4.00% | 4.06% | $250.00 - $10,000.00 |
| 1 Year CD | 2.50% | 2.52% | $250.00 minimum |
| 2 Year CD | 3.00% | 3.03% | $250.00 minimum |
| 3 Year CD | 2.50% | 2.52% | $250.00 minimum |
| 5 Year CD | 2.50% | 2.52% | $250.00 minimum |