Account Rates

Checking Accounts

Initial Balance APY Annual Dividends
Premium Checking Example Rate of Return When Premium Perks Qualifiers are Met.
$5,000.00 4.07% $203.71
$10,000.00 4.06% $405.55
$20,000.00 3.55% $709.71
$50,000.00 3.24% $1,622.18
$100,000.00 3.14% $3,142.98
$250,000.00 3.08% $7,705.38
Rate Tiers
Dividend Rate on the Portion of Your Balance up to $10,000: 4.00000%
Dividend Rate on the Portion of Your Balance over $10,000: 3.00000%
APY Range on the Entire Balance – See Example Rates of Return Above: 4.07% - 3.04% 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 1.9819% 2.00%
12 2.4718% 2.50%
24 2.56952% 2.60%
36 2.4718% 2.50%
48 2.3740% 2.40%
60 2.2761% 2.30%

Minimum $500 balance. Early withdrawal fees apply.

IRA Certificates

Term Months Dividend Rate APY
12 2.4718% 2.50%
24 2.56952% 2.60%
36 2.4718% 2.50%
60 2.2761% 2.30%

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 5.59%
37 to 60 months Starting at 5.63%
61 to 72 months Starting at 5.89%
73 to 84 months Starting at 6.29%
Apply Now Payment Example: A 36 month loan term has a payment as low as $30.24 per $1000 borrowed with an APR as low as 5.59%.

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.