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Rates

Share & Loan Rates

Say goodbye to high monthly payments - our loan rates are some of the lowest around! Whether you’re just getting started on your savings or you’re actively building a nest egg, you can earn extra money with great yields on federally insured deposits.
For a personalized rate quote, please contact us - we'd love to hear from you!

All rates are listed "As Low As". Rates effective May 1, 2025.
Loan Type APR1
New Autos 4.89%
Used Autos 5.49%
New Motorcycles & Powersports
 7.00%
Used Motorcycles & Powersports
 8.50%
New & Used Boats and RVs 7.99%
Personal Secured Loans 8.99%
Personal Unsecured Loans 9.14%
Hero Loans 8.99%
Safewriter Line of Credit 11.99%
Home Equity Line of Credit 5.99%
Home Equity Loans 5.99%
Note: Best rates with discounts applied are quoted above. Your rate may vary based on your credit profile, loan-to-value, and payment election. All loans are subject to credit union loan guidelines. Your actual APR will be determined at the time of disbursement and will be based on your application, credit information, and the term of the loan. Rates for longer terms are higher than rates for shorter terms. Please call 573.329.3151 or visit any branch location to obtain a detailed interest rate quotation.

1APR = Annual Percentage Rate

All rates are subject to change without notice.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance. Dividend compounding terms may vary between certificate types. 

Rates effective March 19, 2025.
Maturity $0 - $9,999 Dividend Rate / APY2
 $10,000 - $24,999 Dividend Rate / APY2
 $25,000 + Dividend Rate / APY2
6-Month 4.04% / 4.10% 4.09% / 4.15% 4.14% / 4.20%
9-Month
Special4		 4.21% / 4.29% 4.21% / 4.29% 4.21% / 4.29%
12-Month 4.04% / 4.10% 4.09% / 4.15% 4.14% / 4.20%
24-Month 3.16% / 3.20% 3.21% / 3.25% 3.26% / 3.30%
36-Month 3.06% / 3.10% 3.11% / 3.15% 3.16% / 3.20%
48-Month 3.06% / 3.10% 3.11% / 3.15% 3.16% / 3.20%
60-Month 2.87% / 2.90% 2.92% / 2.95% 2.97% / 3.00%
6-Month Sock-it-Away 4.04% / 4.10% 4.09% / 4.15% 4.14% / 4.20%
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance. Dividend compounding terms may vary between certificate types. 

Rates effective October 1, 2024.
Maturity $0 - $9,999 Dividend Rate / APY2
 $10,000 - $24,999 Dividend Rate / APY2 $25,000 + Dividend Rate / APY2
12-Month IRA 4.04% / 4.10% 4.09% / 4.15% 4.14% / 4.20%
24-Month IRA 3.16% / 3.20% 3.21% / 3.25% 3.26% / 3.30%
36-Month IRA 3.06% / 3.10% 3.11% / 3.15% 3.16% / 3.20%
48-Month IRA 3.06% / 3.10% 3.11% / 3.15% 3.16% / 3.20%
60-Month IRA 2.87% / 2.90% 2.92% / 2.95% 2.97% / 3.00%
IRA Passbook 0.12% / 0.12% 0.12% / 0.12% 0.12% / 0.12%
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance. Dividends are compounded and paid quarterly.

Rates effective October 14, 2022.
Amount Dividend Rate APY2
$0 - $9,999.99 0.05% 0.05%
$10,000.00 - $24,999.99 0.10%
0.10%
$25,000.00 + 0.12% 0.12%
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance. Dividends are compounded and paid monthly.

Rates effective October 14, 2022.
Amount Dividend Rate APY2
$0 - $25,000.00 1.98% 2.00%
$25,000.01 + 0.05% 0.05%
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance. Dividends are compounded and paid monthly.

Rates effective February 1, 2023.
Amount Dividend Rate APY2
$0 - $9,999.99 0.26% 0.26%
$10,000.00 - $24,999.99 0.36% 0.36%
$25,000.00 - $49,999.99 0.46% 0.46%
$50,000.00 - $99,999.99 0.56% 0.56%
$100,000.00 - $249,999.99 0.96% 0.96%
$250,000.00 + 1.05% 1.06%
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance. Dividends are compounded and paid monthly.

Rates effective July 1, 2025.
Amount Dividend Rate APY2
$0 - $10,000.00 4.89% 5.01%
$10,000.01 + 0.05% 0.05%
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. One rate will apply to the daily balance. Dividends are compounded and paid monthly.

Rates effective July 1, 2025
Amount Dividend Rate APY2
$0 - $15,000.00 4.89% 5.01%
$15,000.01 + 0.05% 0.05%
View our current mortgage rates here.

1APR = Annual Percentage Rate.

2APY = Annual Percentage Yield.
 
3Standard share certificates have a minimum opening balance of $500. Penalty applies for early withdrawal. Personal accounts only. 
 
4Share certificate special has a minimum opening balance of $2,000. Special valid March 19, 2025, and subject to end without notice. Penalty applies for early withdrawal.  

5Qualifications, limits, and other requirements apply to the High-Rate Checking account, High-Rate Savings account, and Heroes Savings account.
 
All rates subject to change without notice. Fees associated with these accounts may reduce your earnings. Membership required. Ask for details. Federally Insured by NCUA.

Endless Possibilities

Apply online today and you can have your money today so you can focus on what really matters.

  • Low Rates: Rates starting at 9.14% APR*
  • Flexible: Borrow as little as $200
  • Easy: Sign loan document online
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