Rates

APY = Annual Percentage Yield. Rates effective as of {{ dynamic-date }}. Fees may reduce earnings.

High Interest Checking Learn More

Below Cap Rate Below Cap APY Cap Above Cap Rate APY Range Non-Qual Rate
5.841% 6.00% $15,000 0.499% 6.00% to 1.00% 0.05%

APY = Annual Percentage Yield

Free ATX Saver for High Interest Back to Top Learn More

Below Cap Rate Below Cap APY Cap Above Cap Rate APY Range Non-Qual Rate
2.472% 2.50% $50,000 0.499% 2.50% to 1.50% 0.05%

APY = Annual Percentage Yield

Regular Share/Savings Rates Back to Top Learn More

Account Type Rate Annual Percentage Yield
Regular Savings 0.20% 0.20%

Paid Quarterly

Share Draft / Checking Rates Back to Top Learn More

Account Type Rate Annual Percentage Yield
Checking Account 0.05% 0.05%

Paid Monthly

Zoo Crew Kids Membership Shares Back to Top Learn More

Account Type Rate Annual Percentage Yield
Kids Savings Account 0.25% 0.25%

Paid Quarterly

Teen Bling Membership Shares Back to Top Learn More

Account Type Rate Annual Percentage Yield
Club Bling Membership 0.25% 0.25%

Paid Quarterly

Money Market Rates Back to Top Learn More

Account Type Rate Annual Percentage Yield
$2000.00-$24999.99 0.55% 0.55%
$25000.00-$74999.99 0.65% 0.65%
$75000.00-$124999.99 0.75% 0.75%
$125000.00-$199999.99 1.00% 1.00%
$200000.00 and over 1.25% 1.26%

Annual Percentage Yield- since interest is compounded monthly, the annual percentage yield is interest paid on interest. The interest must remain in the account through the last day of the month to earn the disclosed annual percentage yield.
Interest Rates- are subject to change at any time.

Holiday Savings Rates Back to Top Learn More

Account Type Rate Annual Percentage Yield
Holiday Savings 0.25% 0.25%

Minimum Balance- $5.00
Annual Percentage Yield- Annual Percentage Yield- since interest is compounded monthly, the annual percentage yield is interest paid on interest. The interest must remain in the account through the last day of the month to earn the disclosed annual percentage yield.
Interest Rates- are subject to change at any time.
Early withdrawal Penalty: Any withdrawal of funds prior to the end of the term will result in a loss of all earnings.

CD and IRA CDs Back to Top Learn More

Term Rate Annual Percentage Yield
*6 Months 3.64% 3.70%
*12 Months 3.69% 3.75%
*24 Months 3.59% 3.65%
*36 Months 3.54% 3.60%
*48 Months 3.44% 3.50%

Minimum Balance- $1,000.00
*6 month certificates are not available under the IRAs.

*APY = Annual Percentage Yield

Jumbo CDs Back to Top Learn More

Account Type Rate Annual Percentage Yield
**6 Months Please, call Please, call for APY
**12 Months Please, call Please, call for APY

Minimum Balance- $90,000.00
Annual Percentage Yield- since interest is compounded monthly, the annual percentage yield is interest paid on interest. The interest must remain on the certificate to the end of the term to earn the disclosed annual percentage yield.
Interest Rates- are subject to change at any time.
Early withdrawal Penalty.
** Jumbo certificates are not available under the IRAs.

IRA Rates Back to Top Learn More

Account Type Rate Annual Percentage Yield
Individual Retirement Account 0.40% 0.40%

Interest Rates- are subject to change at any time.
Ask for details and restrictions.

*APY = Annual Percentage Yield

New and Used Autos Back to Top Learn More

 

Year Max Term As Low As
2024 and Newer Up to 36 Months 4.99 APR*
Up to 48 Months 5.29 APR*
Up to 60 Months 5.39 APR*
Up to 66 Months 5.49 APR*
Up to 72 Months 5.59 APR*
Up to 78 Months 6.29 APR*
Up to 84 Months 6.49 APR*
2023
Up to 66 Months 5.79 APR*
Up to 72 Months 6.09 APR*
Up to 75 Months 6.29 APR*
2022-2021 Up to 66 Months 5.99 APR*
Up to 72 Months 6.29 APR*
2020 Up to 60 Months 6.39 APR*
Up to 66 Months 6.39 APR*
2019-2018 Up to 54 Months 6.39 APR*
Up to 60 Months 6.39 APR*
2017-2016 Up to 54 Months 6.59 APR*
Up to 60 Months 6.59 APR*

*APR = Annual Percentage Rate

Signature Loans Back to Top Learn More

Term As Low As
24 months 9.49% APR*
36 months 9.99% APR*
48 months 10.24% APR*
60 months 10.49% APR*

*APR = Annual Percentage Rate

Ready Credit Loan Back to Top Learn More

Maximum Amount Annual Percentage Rate (APR)
$500.00 to $5000.00 11.50% APR*

*APR = Annual Percentage Rate

Share Secured Loan and Share Certificate Secured Loan Back to Top Learn More

Loan Type Annual Percentage Rate (APR)
Share Secured Loan 4.75% APR*
Share Certificate Secured Loan 2.50% greater than Share Certificate Rate

*APR = Annual Percentage Rate

Credit Cards Back to Top Learn More

Card Type Annual Percentage Rate (APR) Annual Fee
Platinum MasterCard 7.99% APR* $0
Gold MasterCard 9.99% APR* $0
Regular MasterCard 11.50% APR* $0
Share Secured MasterCard 12.00% APR* $0

*APR = Annual Percentage Rate

Recreational Vehicles Back to Top Learn More

Maximum Term As Low As
Up to 48 months 7.19 APR*
Up to 60 months 7.79 APR*
Up to 84 months 8.39 APR*
Up to 120 months 8.99 APR*
Up to 180 months 9.99 APR*

*APR = Annual Percentage Rate

Mortgage Loans Back to Top Learn More

Click here for Mortgage Rates

Motorcycle and Scooter Loans Back to Top Learn More

Year Max Term As Low As
2025-2024 Up to 66 months 6.89% APR*
  Up to 72 months 7.49% APR*
2023-2022 Up to 66 months 8.09% APR*
  Up to 72 months 8.69% APR*
2021-2020 Up to 48 months 9.29% APR*
  Up to 63 months 9.29% APR*
2019-2018 Up to 48 months 9.29% APR*

*APR = Annual Percentage Rate

Home Equity Loans Back to Top Learn More

Maximum Term As Low As
Up to 5 years 5.39 APR*
Up to 10 years 5.79 APR*
Up to 15 years 6.19 APR*
Up to 20 years 6.39 APR*

Equal Housing Lender

*APR = Annual Percentage Rate