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Take a look at the current rates of some of our most popular dividend bearing products.

Rates Accurate as of October 11, 2019.

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings.

First Rate Checking Learn More

Balance Dividend Rate APY
0 - $25,000 2.97% 3.01%
$25,000+ 0.15% 3.01% to 0.72%
All balances if qualifications not met 0.15% 0.15%

Qualifications

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

  • At least 1 direct deposit, ACH credit or ACH payment transaction
  • At least 25 debit card purchases
  • Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your First Rate Checking account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month!

Savings Accounts

Product Minimum to Open and Obtain APY APY Compounding and Crediting Frequency
Share Savingsa $1 / $100 0.20% Quarterly
Secondary Sharea $0 / $100 0.20% Quarterly
Business Savingsa $1 / $100 0.20% Quarterly
Club Accounta $0 / $100 0.30% Quarterly
Individual Retirement Accounts (IRA)a $0/ $100 0.20% Quarterly
Health Savings Accounts (HSA)b $1 / $25 1.30% Monthly
Youth Saversa $1 / $25 0.30% Quarterly

a. The APY is the anticipated APY for the quarter.

b. Rate only available for Health Savings Account contributions.

Money Management Savings (Money Market)

Minimum to Open and Obtain APY APY Compounding and Crediting Frequency
$1,000 - $24,999 1.00% Monthly
$25,000 - $49,999 1.10% Monthly
$50,000 or more 1.25% Monthly
  • Unlimited withdrawals at any branch or ATM
  • Other withdrawals and transactions limited to six per month (all six may be checks); $15 fee for more than six checks
  • Account will be closed if the withdrawal limitations are exceeded three times in a 12 month period

Certificates of Deposit (CDs) Learn More

Term Minimum to Open APY Compounding and Crediting Frequency
6 month $500 1.25% Maturity
12 month $500 1.85% Maturity
15 month $500 1.90% Quarterly
18 month $500 2.00% Semi-annually
24 month $500 2.00% Annually
36 month $500 2.30% Annually
48 month $500 2.40% Annually
60 month $500 2.50% Annually
72 month $500 2.60% Annually

Annual Percentage Yields are subject to change daily.

Deposits are insured for $250,000 by the National Credit Union Administration.

Certificates have substantial penalty for early withdrawal.

New Auto Loans Learn More

Term APR
36 months; min. $500 as low as 2.99%
48 months; under $9,999 as low as 3.50%
60 months; min. $10,000 as low as 3.50%
66 months; min. $10,000 as low as 4.24%
72 months; min. $20,000 as low as 4.24%
84 months; min. $25,000 as low as 5.24%

Rates, terms and conditions are subject to change without notice.

Auto, motorcycle, boat, personal watercraft and campers, Vacation, Member's Choice, Wedding and New You loan rates determined by credit history. Call 1-800-767-8880 or (636) 728-3333 for details. Conditions may apply.

Used Auto Loans Learn More

Term APR
36 months; min. $500 as low as 2.99%
48 months; under $9,999 as low as 3.50%
60 months; min. $10,000 as low as 3.50%
66 months; min. $10,000 as low as 4.24%
72 months; min. $20,000 as low as 4.24%
84 months; min. $25,000 as low as 5.24%

Rates, terms and conditions are subject to change without notice.

Auto, motorcycle, boat, personal watercraft and campers, Vacation, Member's Choice, Wedding and New You loan rates determined by credit history. Call 1-800-767-8880 or (636) 728-3333 for details. Conditions may apply.

Recreational Vehicle Loans Learn More

Loan Type Terms APR
New & Used Motorcycles up to 60 months as low as 4.24%
New & Used Motorcycles 72 months; minimum $20,000 (MO & IL residents only) as low as 5.24%
Boats, ATVs, RVs, and campers up to 60 months as low as 6.45%
Boats, ATVs, RVs, and campers 61 - 120 months as low as 7.45%

Rates, terms and conditions are subject to change without notice.

Auto, motorcycle, boat, personal watercraft and campers, Vacation, Member's Choice, Wedding and New You loan rates determined by credit history. Call 1-800-767-8880 or (636) 728-3333 for details. Conditions may apply.

Personal Loans Learn More

Loan Type Term APR
Vacation/Holiday Loan up to 12 months as low as 8.00%
Member's Choice (Signature Loan) up to 60 months as low as 9.45%
The Wedding Loan (Signature Loan) up to 60 months as low as 7.49%
New You Loan up to 60 months as low as 9.45%
Overdraft Protection Line of Credit $35/month per $1000 12.95%
Stock Secured up to 60 months or one payment note renewable every 6 months 6.00%
Share Secured up to 12 months or one payment note renewable every 6 months Share rate + 2%
Certificate Secured up to 60 months or one payment note renewable every 6 months, not to exceed maturity CD rate + 2%

Rates, terms and conditions are subject to change without notice.

Auto, motorcycle, boat, personal watercraft and campers, Vacation, Member's Choice, Wedding and New You loan rates determined by credit history. Call 1-800-767-8880 or (636) 728-3333 for details. Conditions may apply.

Home Equity Loans Learn More

Loan Type Term APR
First Line Equity 10 year amortization 5.74%
Choice Equity 10 year amortization 5.75%
Choice Equity 15 year amortization 5.75%
Home Improvement Loan 120 months 5.75%