Take a look at the current rates of some of our most popular dividend-bearing products.
Rates Accurate as of September 22, 2023.
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings.
First Rate Checking Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| 0 - $25,000 | 3.45% | 3.51% |
| $25,000+ | 0.10% | 3.51-0.77% |
| All balances if qualifications not met | 0.10% | 0.10% |
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 | 0.25% | Quarterly |
| Secondary Sharea | $0 / $100 | 0.25% | Quarterly |
| Business Savingsa | $1 / $100 | 0.25% | Quarterly |
| Club Accounta | $0 / $100 | 0.25% | Quarterly |
| Individual Retirement Accounts (IRA)a | $0/ $100 | 0.25% | Quarterly |
| Health Savings Accounts (HSA)b | $1 / $25 | 2.85% | Monthly |
| Youth Saversa | $1 / $25 | 0.25% | 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 | 2.00% | Monthly |
| $25,000 - $49,999 | 2.75% | Monthly |
| $50,000 or more | 2.85% | 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
- Money Management accounts may also be added to business accounts
Certificates of Deposit (CDs)/IRA Certificates of Deposit (CDs) Learn More
| Term | Minimum to Open | APY | Compounding and Crediting Frequency |
|---|---|---|---|
| 6 month | $500 | 3.25% | Maturity |
| 12 month | $500 | 5.00% | Maturity |
| 15 month | $500 | 3.85% | Quarterly |
| 18 month | $500 | 5.00% | Semi-annually |
| 24 month | $500 | 3.65% | Annually |
| 36 month | $500 | 3.50% | Annually |
| 48 month | $500 | 3.50% | Annually |
| 60 month | $500 | 3.50% | Annually |
| 72 month | $500 | 3.00% | Annually |
Annual Percentage Yields are subject to change daily and without notice.
Deposits are insured for $250,000 by the National Credit Union Administration.
Certificates have substantial penalties for early withdrawal.
Business Plus Checking Learn More
|
Minimum to Open and Obtain APY |
APY | Compounding and Crediting Frequency |
|---|---|---|
| $0 / $1,000 | 0.10% | Monthly |
You must maintain a minimum average daily balance of $2,500.00 in the account to avoid a minimum balance charge. If, during any monthly statement cycle, the account balance falls below the required minimum daily balance, the account will be subject to a minimum balance charge of $15.00 for that month.
New Auto Loans Learn More
| Term | APR |
|---|---|
| 36 months; min. $500 | as low as 5.25% |
| 48-60 months | as low as 5.99% |
| 61-72 months | as low as 6.99% |
| 73-84 months; min. $25,000 | as low as 7.99% |
Rates, terms and conditions are subject to change without notice. Rates and terms shown are available on models seven years or newer. Models eight years and older have different rates, terms and conditions.
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 and fees may apply.
Used Auto Loans Learn More
| Term | APR |
|---|---|
| 36 months; min. $500 | as low as 5.25% |
| 48-60 months | as low as 5.99% |
| 61-72 months | as low as 6.99% |
| 73-84 months; min. $25,000 | as low as 7.99% |
Rates, terms and conditions are subject to change without notice.Rates show are available on models seven years or newer. Models eight years and older have different rates, terms and conditions.
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 and fees may apply.
Recreational Vehicle Loans Learn More
| Loan Type | Terms | APR |
|---|---|---|
| New & Used Motorcycles | up to 60 months | as low as 6.79% |
| New & Used Motorcycles | 72 months; minimum $20,000 (MO & IL residents only) | as low as 7.49% |
| ATVs, Boats, RVs, and campers | up to 60 months;used rates + 1% | as low as 6.99% |
| ATVs, Boats, RVs, and campers | 61 - 120 months;used rates + 1% | as low as 8.25% |
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 and fees may apply.
Personal Loans Learn More
| Loan Type | Term | APR |
|---|---|---|
| Vacation/Holiday Loan | up to 12 months | as low as 9.00% |
| Member's Choice (Signature Loan) | up to 60 months | as low as 10.45% |
| The Wedding Loan (Signature Loan) | up to 60 months | as low as 8.25% |
| New You Loan | up to 60 months | as low as 10.45% |
| 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 | 9.24% |
| Choice Equity | 10 year amortization | 8.00% |
| Choice Equity | 15 year amortization | 8.25% |
| Home Improvement Loan | 120 months | 8.00% |
*$1 share deposit required. Must qualify for membership. Subject to credit approval. Missouri and Illinois residents only. HE rate adjusts quarterly to the Prime Rate as published in the Wall Street Journal plus .74%. That rate is currently 8.50%. The maximum APR that may apply is 18.00%. NMLS ID # 684198. Federally insured by NCUA. Equal Housing Lender.