Account Rates
Checking Accounts
Initial Balance |
APY |
Annual Dividends |
Premium Checking |
Example Rate of Return When Premium Perks Qualifiers are Met. |
|
$5,000.00 |
5.12% |
$255.81 |
$10,000.00 |
5.08% |
$508.10 |
$20,000.00 |
4.32% |
$863.77 |
$50,000.00 |
3.86% |
$1,930.78 |
$100,000.00 |
3.71% |
$3,709.13 |
$250,000.00 |
3.62% |
$9,044.17 |
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Rate Tiers |
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Dividend Rate on the Portion of Your Balance up to $10,000: |
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5.00000% |
Dividend Rate on the Portion of Your Balance over $10,000: |
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3.50000% |
APY Range on the Entire Balance – See Example Rates of Return Above: |
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5.12% - 3.56% APY |
When Premium Perks Qualifiers are not met, the dividend rate and corresponding APY are 0.01% on the entire balance. See Checking Account Details and Account Disclosures for important terms and conditions, including how to meet the Premium Perks Qualifiers. All Premium Checking rates above are those expected to be declared on the next dividend declaration date (last day of the month) but are subject to change until declared. Consumer accounts only. |
Account |
Dividend Rate |
APY |
Orion Checking |
0.01% |
0.01% |
See Checking Account Details and Account Disclosures for important terms and conditions, including how to meet the Premium Perks Qualifiers. All Premium Checking rates above are those expected to be declared on the next dividend declaration date (last day of the month) but are subject to change until declared.
Primary Share (Savings) Accounts
Balance |
Dividend Rate |
APY |
Any Balance |
0.01% |
0.01% |
$5 to open
IRA Savings Accounts
Balance |
Dividend Rate |
APY |
Any Balance |
0.01% |
0.01% |
Christmas Club Account
Balance |
Dividend Rate |
APY |
Any Balance |
0.01% |
0.01% |
Miscellaneous Share Account
Balance |
Dividend Rate |
APY |
Any Balance |
0.01% |
0.01% |
Money Market Account
Balance |
Dividend Rate |
APY |
$0 – $9,999 |
0.01% |
0.01% |
$10,000 – $24,999 |
0.05% |
0.05% |
$25,000 – $49,999 |
0.10% |
0.10% |
$50,000 – $99,999 |
0.19982% |
0.20% |
$100,000 and over |
0.24971% |
0.25% |
Dividend Rate and APY apply to entire balance when the daily balance falls in the corresponding range.
Share Certificates (CDs)
Term in Months |
Dividend Rate |
APY |
6 |
2.9595% |
3.00% |
12 |
2.9595% |
3.00% |
24 |
2.4718% |
2.5% |
36 |
2.2761% |
2.3% |
48 |
2.22713% |
2.25% |
60 |
1.97208% |
1.99% |
Minimum $500 balance. Early withdrawal fees apply.
IRA Certificates
Term Months |
Dividend Rate |
APY |
12 |
2.9595% |
3.00% |
24 |
2.4718% |
2.5% |
36 |
2.2761% |
2.3% |
60 |
1.97208% |
1.99% |
Minimum $500 balance. Early withdrawal fees apply.
Loans
Personal Loans/Lemonade Loans
Type |
Term |
APR |
Personal Loan |
Max. 60 Months |
Starting at 10.99% |
Lemonade Loan |
Max. 60 Months |
Starting at 10.99% |
Share Secured Loan |
|
Current dividend rate + 3% |
Personal Line of Credit |
Revolving |
Starting at 11.49% |
Apply
Payment Example: A Lemonade Loan at max rate of 28% APR and loan amount of $2000 for 12 months will have a monthly payment of $196.06.
Payment Example: A Personal Loan at max rate of 28% APR and loan amount of $2000 for 12 months will have a monthly payment of $193.06.
Auto Loans
Term |
APR |
0 to 36 months |
Starting at 5.34% |
37 to 60 months |
Starting at 5.50% |
61 to 72 months |
Starting at 5.64% |
73 to 84 months |
Starting at 6.04% |
Apply Now
Payment Example: A 36 month loan term has a payment as low as $30.13 per $1000 borrowed with an APR as low as 5.34%.
Home Equity Loans
Loan to Value |
Term |
APR |
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As low as |
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Apply Now
Recreational Vehicle Loans
Type |
Term |
APR |
All |
0 to 180 months |
Starting at 7.10% |
Apply Now
Payment Example: A loan for 145 months at 7.1% APR will have a monthly payment of $10.30 per $1,000 borrowed.
Mortgage Loans
Click here to see current market home loan rates and apply online.
Home Equity Lines of Credit
HELOC rates are tied to the prime rate. Click here to learn more and apply or contact us for more information.
Rates are subject to change. Rates for Loans, Share Certificates, and IRA Certificates are accurate as of the prior business day or later. All other account rates are accurate as of the last dividend declaration date (last day of prior month) unless noted otherwise above.