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Rates

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Savings Rates

  • Savings and Checking Account
    calendar Rates Effective: September 1, 2020
    Rates for Savings & Checking Accounts
    Account Type Annual Percentage Yield (APY) Minimum to Earn Dividends Minimum Opening Balance
    Account Type Share Savings Annual Percentage Yield (APY) .05% Minimum to Earn Dividends $100.00 Minimum Opening Balance $5.00
    Account Type Youth Accounts Annual Percentage Yield (APY) .05% Minimum to Earn Dividends None Minimum Opening Balance $5.00
    Account Type Money Market Savings Annual Percentage Yield (APY) .05% Minimum to Earn Dividends $0-$2,499.99 Minimum Opening Balance None
    Account Type Money Market Savings Annual Percentage Yield (APY) .15% Minimum to Earn Dividends $2,500.00-$9,999.99 Minimum Opening Balance $2,500.00
    Account Type Money Market Savings Annual Percentage Yield (APY) .20% Minimum to Earn Dividends $10,000.00-$24,999.99 Minimum Opening Balance $10,000.00
    Account Type Money Market Savings Annual Percentage Yield (APY) .30% Minimum to Earn Dividends $25,000-$74,999.99 Minimum Opening Balance $25,000.00
    Account Type Money Market Savings Annual Percentage Yield (APY) .35% Minimum to Earn Dividends $75,000.00 + Minimum Opening Balance $75,000.00
    Account Type Special Club Accounts Annual Percentage Yield (APY) .05% Minimum to Earn Dividends $100.00 Minimum Opening Balance None
    Account Type IRA Savings Annual Percentage Yield (APY) .50% Minimum to Earn Dividends None Minimum Opening Balance None
    Account Type Your Choice Checking (APY Reward) Annual Percentage Yield (APY) 2.00% Minimum to Earn Dividends Avg. daily balances from $0.01-$10,000 if eligibility requirements are met* Minimum Opening Balance None
    Account Type Your Choice Checking (APY Reward) Annual Percentage Yield (APY) .10% Minimum to Earn Dividends Avg. daily balances over $10,000 if eligibility requirements are met* Minimum Opening Balance None
    Account Type Your Choice Checking (Cash Back Reward) Annual Percentage Yield (APY) .05% Minimum to Earn Dividends Avg. daily balance when requirements are not met* Minimum Opening Balance None
    Account Type Checking - Regular Annual Percentage Yield (APY) None Minimum to Earn Dividends None Minimum Opening Balance None

    SAVINGS ACCOUNTS: Fees may reduce earnings. Yields may change after opening.

    YOUR CHOICE CHECKING: If eligibility requirements are met each calendar month, you may choose to (a) earn 2.00% APY on balances from $.01 to $10,000 and 0.10% on balances over $10,000, or (b) receive 1% cash back on signature debit card transactions, calculated based on the total dollar amount of signature debit card transactions, up to a maximum of $10 cash back each month. Third-party ATM fees you incur during a month in which you meet eligibility requirements will be refunded, up to a maximum of $20 per month. To qualify, you must: Be enrolled in e-Statements, conduct at least one ACH transaction each month, and make at least 15 signature debit card transactions each month. To meet the minimum requirements, the above actions must be performed and transactions must clear/post to your account during the calendar month. Transactions may take one or more banking days from the date the transaction was made to post and settle against your account. If you do not meet the requirements in a calendar month, your account will earn 0.05% APY and you will not receive ATM fee refunds for that month. Available only for consumer accounts.

  • Jumbo Share & IRA Certificates
    calendar Rates Effective: September 18, 2020
    Jumbo Certificate Rates
    Term Annual Percentage Yield (APY) Minimum to Earn Dividends Minimum Opening Balance
    Term 6 Month Jumbo Certificate Annual Percentage Yield (APY) 0.35% Minimum to Earn Dividends $100,000.00 Minimum Opening Balance $100,000.00
    Term 12 Month Jumbo Certificate Annual Percentage Yield (APY) 0.55% Minimum to Earn Dividends $100,000.00 Minimum Opening Balance $100,000.00
    Term 24 Month Jumbo Certificate Annual Percentage Yield (APY) 0.70% Minimum to Earn Dividends $100,000.00 Minimum Opening Balance $100,000.00

    Yields are subject to change at any time.

    ALL CERTIFICATES: A penalty for early withdrawal may be imposed except on designated No Penalty certificates. Fees may reduce earnings.

    Applies to Traditional and Roth only.

  • Share & IRA Certificates
    calendar Rates Effective: September 18, 2020
    Share & IRA Certificate Rates
    Term Annual Percentage Yield (APY) Platinum APY Minimum to Earn Dividends Minimum Opening Balance
    Term 6 Month Certificate Annual Percentage Yield (APY) 0.25% Platinum APY 0.35% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
    Term 12 Month Share Builder Certificate Annual Percentage Yield (APY) 0.45% Platinum APY 0.55% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
    Term 12 Month Certificate Annual Percentage Yield (APY) 0.45% Platinum APY 0.55% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
    Term 15 Month Certificate Annual Percentage Yield (APY) 0.45% Platinum APY 0.55% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
    Term 15 Month Certificate (No Penalty) Annual Percentage Yield (APY) 0.35% Platinum APY 0.45% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
    Term 18 Month Certificate Annual Percentage Yield (APY) 0.55% Platinum APY 0.65% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
    Term 24 Month Certificate Annual Percentage Yield (APY) 0.60% Platinum APY 0.70% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
    Term 36 Month Certificate Annual Percentage Yield (APY) 0.65% Platinum APY 0.75% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
    Term 48 Month Certificate Annual Percentage Yield (APY) 0.70% Platinum APY 0.80% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
    Term 60 Month Certificate Annual Percentage Yield (APY) 0.80% Platinum APY 0.90% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00

    Yields are subject to change at any time.

    ALL CERTIFICATES: A penalty for early withdrawal may be imposed except on designated No Penalty certificates. Fees may reduce earnings.

    PLATINUM CERTIFICATES: APYs are .10% higher. The Platinum level is a reward for members who choose us as their primary financial institution. Platinum rewards start for members maintaining total combined monthly household average balances of $50,000+.

    SHARE BUILDER CERTIFICATE: Deposits can be added at any time during the certificate term.

    Applies to Traditional, Roth, and Coverdell Savings Accounts, too.

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Loan Rates

  • Mortgages
  • Home Equity Lines of Credit & Loans
    calendar Rates Effective: May 15, 2020
    Home Equity Loan Rates
    Type As Low As APR* Loan To Value (LTV) Sample Monthly Payment for $10,000
    Type Home Equity Line of Credit** As Low As APR* 3.75% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 N/A
    Type Home Equity Line of Credit** As Low As APR* 3.75% Loan To Value (LTV) 85% Sample Monthly Payment for $10,000 N/A
    Type Home Equity Line of Credit** As Low As APR* 4.00% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 N/A
    Type Home Equity Line of Credit** As Low As APR* 4.25% Loan To Value (LTV) 95% Sample Monthly Payment for $10,000 N/A
    Type Home Equity Line of Credit** As Low As APR* 4.25% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 N/A
    Type Equity Loan Express - 5 Yr Term As Low As APR* 3.89% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $183.67
    Type Equity Loan Express - 5 Yr Term As Low As APR* 4.50% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $186.43
    Type Equity Loan Express - 5 Yr Term As Low As APR* 4.75% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $187.57
    Type Equity Loan Express - 10 Yr Term As Low As APR* 4.375 Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $103.04
    Type Equity Loan Express - 10 Yr Term As Low As APR* 5.25% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $107.29
    Type Equity Loan Express - 10 Yr Term As Low As APR* 6.00% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $111.02
    Type Equity Loan Express - 15 Yr Term As Low As APR* 4.875% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $78.43
    Type Equity Loan Express - 15 Yr Term As Low As APR* 5.625% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $82.37
    Type Equity Loan Express - 15 Yr Term As Low As APR* 6.50% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $87.11
    Type Equity Loan Express - 20 Yr Term As Low As APR* 5.375% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $68.08
    Type Equity Loan Express - 20 Yr Term As Low As APR* 6.125% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $72.37
    Type Equity Loan Express - 20 Yr Term As Low As APR* 6.75% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $76.04

    *APR = Annual Percentage Rate. APR is variable and subject to change with Quarterly Interest Rate Adjustments. The APR will not exceed 18%. Exclusions and conditions apply. Interest charges apply only when you use the line. Property insurance required. Offer available only on owner-occupied, single-family residential real property located in VA, MD, and DC. ACFCU must obtain a valid first or second lien position on the collateral and all owners must sign the documents. All payments are applied to the lower balance first. HELOAN rates shown for LTVS 80%, 90% and 100%. Rates also available for 85% and 95% LTVs.

    **Interest Rate floor = 3.75% APR. Maximum rate is 18.00% APR.

    All closing costs except mortgage taxes and recording fees will be paid by ACFCU. Range of closing costs between $700 and $1600 based on a $10,000 equity loan. If HELOC is closed within 3 years, ACFCU will add any closing costs paid on member’s behalf to member’s outstanding balance.

  • Auto Loans
    calendar Rates Effective: July 1, 2020
    New Car Loan Rates
    Type & Model Years Terms Up To Fixed APR* As Low As Sample Monthly Payment for $20,0001
    Type & Model Years New: 2019-2021 Terms Up To 36 Months Fixed APR* As Low As 1.74% Sample Monthly Payment for $20,0001 $571.00
    Type & Model Years New: 2019-2021 Terms Up To 60 Months Fixed APR* As Low As 1.99% Sample Monthly Payment for $20,0001 $350.00
    Type & Model Years New: 2019-2021 Terms Up To 72 Months Fixed APR* As Low As 2.24% Sample Monthly Payment for $20,0001 $297.00
    Type & Model Years New: 2019-2021 Terms Up To 96 Months Fixed APR* As Low As 6.24% Sample Monthly Payment for $20,0001 $681.44 for minimum loan amount of $50,000.00

    *APR = Annual Percentage Rate. Rates are subject to change at any time without notice. Not all applicants will qualify for the lowest rate. Offer not available to existing ACFCU car loans; maximum loan to value restrictions may apply based on MSRP of new vehicles and the NADA retail value of used vehicles. Proof of current interest rate may be required. Loan and membership eligibility apply. Normal underwriting guidelines apply. To qualify for as low as rate, members must meet credit criteria qualifications and 2 of the 3 following criteria: An active ACFCU checking account with at least $1,000 monthly direct deposit, an active ACFCU Visa® Credit Card with a balance of at least $1,000, and/or apply for the auto loan via our Online Application.

    1 Payment examples may be different due to payment protection being added to the loan and first payment due date not being 30 days from funding.

    calendar Rates Effective: July 1, 2020
    Used Car Loan Rates
    Type & Model Years Term Up To Fixed APR* As Low As Sample Monthly Payment for $20,0001
    Type & Model Years Used: 2015-2018 Term Up To 36 Months Fixed APR* As Low As 1.74% Sample Monthly Payment for $20,0001 $571.00
    Type & Model Years Used: 2015-2018 Term Up To 60 Months Fixed APR* As Low As 1.99% Sample Monthly Payment for $20,0001 $350.00
    Type & Model Years Used: 2015-2018 Term Up To 72 Monts Fixed APR* As Low As 2.24% Sample Monthly Payment for $20,0001 $297.00
    Type & Model Years Used: 2015-2018 Term Up To 96 Months Fixed APR* As Low As 6.99% Sample Monthly Payment for $20,0001 $681.44 for minimum loan amount of $50,000.00

    *APR = Annual Percentage Rate. Rates are subject to change at any time without notice. Not all applicants will qualify for the lowest rate. Offer not available to existing ACFCU car loans; maximum loan to value restrictions may apply based on MSRP of new vehicles and the NADA retail value of used vehicles. Proof of current interest rate may be required. Loan and membership eligibility apply. Normal underwriting guidelines apply. To qualify for as low as rate, members must meet credit criteria qualifications and 2 of the 3 following criteria: An active ACFCU checking account with at least $1,000 monthly direct deposit, an active ACFCU Visa® Credit Card with a balance of at least $1,000, and/or apply for the auto loan via our Online Application.

    1 Payment examples may be different due to payment protection being added to the loan and first payment due date not being 30 days from funding.

    calendar Rates Effective: July 1, 2020
    Flex Car Loan Rates
    Type & Model Years Term Up To Fixed APR* As Low As Sample Monthly Payment for $20,0001
    Type & Model Years New: 2019-2021 Term Up To 24 Months Fixed APR* As Low As 3.74% Sample Monthly Payment for $20,0001 $488.00
    Type & Model Years New: 2019-2021 Term Up To 36 Months Fixed APR* As Low As 3.74% Sample Monthly Payment for $20,0001 $303.00
    Type & Model Years New: 2019-2021 Term Up To 60 Months Fixed APR* As Low As 3.99% Sample Monthly Payment for $20,0001 $261.00
    Type & Model Years New: 2019-2021 Term Up To 72 Months Fixed APR* As Low As 4.24% Sample Monthly Payment for $20,0001 $228.00
    Type & Model Years Used: 2015-2018 Term Up To 24 Months Fixed APR* As Low As 3.74% Sample Monthly Payment for $20,0001 $405.00
    Type & Model Years Used: 2015-2018 Term Up To 36 Months Fixed APR* As Low As 3.74% Sample Monthly Payment for $20,0001 $312.00
    Type & Model Years Used: 2015-2018 Term Up To 60 Months Fixed APR* As Low As 3.99% Sample Monthly Payment for $20,0001 $250.00
    Type & Model Years Used: 2015-2018 Term Up To 72 Months Fixed APR* As Low As 4.24% Sample Monthly Payment for $20,0001 $230.00

    *APR = Annual Percentage Rate. Rates are subject to change at any time without notice. Not all applicants will qualify for the lowest rate. Offer not available to existing ACFCU car loans; maximum loan to value restrictions may apply based on MSRP of new vehicles and the NADA retail value of used vehicles. Proof of current interest rate may be required. Loan and membership eligibility apply. Normal underwriting guidelines apply. To qualify for as low as rate, members must meet credit criteria qualifications and 2 of the 3 following criteria: An active ACFCU checking account with at least $1,000 monthly direct deposit, an active ACFCU Visa® Credit Card with a balance of at least $1,000, and/or apply for the auto loan via our Online Application.

    1 Payment examples may be different due to payment protection being added to the loan and first payment due date not being 30 days from funding.

  • Credit Cards
    calendar Rates Effective: May 1, 2018
    Annual Percentage Rates (APR) & Charges
    Transaction Type Platinum Rewards Classic
    Transaction Type Purchases Platinum Rewards 9.90% Classic 11.99%
    Transaction Type Cash Advances Platinum Rewards 9.90% Classic 11.99%
    Transaction Type Balance Transfers Platinum Rewards 9.90% Classic 11.99%
    Transaction Type Grace period for repayment of balances of purchases Platinum Rewards 25 days on average Classic 25 days on average
    Transaction Type The Balance of Purchases Platinum Rewards Average daily balance (including new purchases) Classic Average daily balance (including new purchases)

    The information about the costs of these Visa® programs described above is accurate as of May 1, 2018. Here is our most recent Credit Card Agreement. This information may have changed after this date. To find out what may have changed, call us: 703.526.0200 or write us: P.O. Box 40070, Arlington, VA 22204-7070.

    calendar Rates Effective: May 1, 2018
    Credit Card Features & Rewards
    Features & Benefits Platinum Rewards Classic
    Features & Benefits Technology Platinum Rewards EMV chip enabled for additional layer of protection against fraud Classic EMV chip enabled for additional layer of protection against fraud
    Features & Benefits Credit Line Platinum Rewards Up to $25,000 Classic Up to $25,000
    Features & Benefits Cardholders Platinum Rewards Single or joint account, authorized users Classic Single or joint account, authorized users
    Features & Benefits Rewards Points Platinum Rewards Earn 3 Points for all Arlington, VA purchases & earn 1 point for every dollar on all other purchases Classic NA
    Features & Benefits Rewards Options Platinum Rewards Redeem for cash, travel, merchandise, or gift cards Classic NA
    Features & Benefits Point Limits Platinum Rewards None Classic NA
    Features & Benefits Point Expiration Platinum Rewards Never Classic NA

    The information about the costs of these Visa® programs described above is accurate as of May 1, 2018. Here is our most recent Credit Card Agreement. This information may have changed after this date. To find out what may have changed, call us: 703.526.0200 or write us: P.O. Box 40070, Arlington, VA 22204-7070.

    calendar Rates Effective: May 1, 2018
    Credit Card Fees
    Fees Platinum Rewards Classic
    Fees Annual Fee Platinum Rewards None Classic None
    Fees Account Set-up Fee Platinum Rewards None Classic None
    Fees Cash Advance Fee Platinum Rewards None Classic None
    Fees Late Payment Fee Platinum Rewards $20.00 Classic $20.00
    Fees Foreign Transaction Fee Platinum Rewards None Classic None

    The information about the costs of these Visa® programs described above is accurate as of May 1, 2018. Here is our most recent Credit Card Agreement. This information may have changed after this date. To find out what may have changed, call us: 703.526.0200 or write us: P.O. Box 40070, Arlington, VA 22204-7070.

  • Personal Loans
    calendar Rates Effective: May 15, 2020
    Personal & Secured Loans
    Type Loan Maximum Term Up To APR* As Low As Sample Monthly Payment1
    Type Savings Secured Loan Maximum Available Savings Balance Term Up To Varies APR* As Low As Earned Rate + 3% Sample Monthly Payment1 NA
    Type Certificate Secured Loan Maximum Certificate Balance Term Up To Remainder of Certificate Term APR* As Low As Rate + 3% Sample Monthly Payment1 NA
    Type Fast Cash2 Loan Maximum $1,000.00 Term Up To 12 Months APR* As Low As 16.78% Sample Monthly Payment1 $87.44 for $1,000.00
    Type Fast Cash2 Loan Maximum $1,500.00 Term Up To 12 Months APR* As Low As 14.14% Sample Monthly Payment1 $131.16 for $1,500.00
    Type Personal Loan Loan Maximum $25,000.00 Term Up To 48 Months APR* As Low As 7.99% Sample Monthly Payment1 $171.00 for $7,000.00
    Type Personal Loan Loan Maximum $25,000.00 Term Up To 60 Months APR* As Low As 8.99% Sample Monthly Payment1 $416.00 for $20,000.00
    Type Personal Line of Credit Loan Maximum $25,000.00 Term Up To Revolving APR* As Low As 8.25% Sample Monthly Payment1 NA

    *APR = Annual Percentage Rate. Rates subject to change without notice. Not all applicants will qualify for the lowest rate. To qualify for as low as rate members must meet credit criteria qualifications. To qualify for the additional 0.25% APR discount on a Personal Loan, members must apply online. Minimum loan amount $1,000.

    1Payment examples may be different due to payment protection being added to the loan and first payment due date not being 30 days from funding.

    2Must be a member for at least 90 days to qualify for a Fast Cash Loan. All accounts and loans must be current (not negative or delinquent) for the past six months. Direct deposit is not required. However, $1,000 in deposits every calendar month for the past two months is required. Only one Fast Cash loan per member and only one open at a time with two maximum per rolling 12 months. Current Fast Cash must have 6 months of payments before it can be refinanced. Hardship Fast Cash or VHC Fast Cash do NOT count towards the 2 per year, and do NOT have to be paid off with proceeds of a Holiday Fast Cash Loan. For members who don’t have a current Fast Cash we will only allow one Fast Cash loan for a maximum balance of $1,500. This includes Holiday Dough. Only the primary account holder may apply for Fast Cash. $1,000 Fast Cash with 8.99% interest rate + $40 finance charge = 16.73% APR total. Monthly payment amount = $87.44.  $1,500 Fast Cash with 8.99% interest rate + $40 finance charge = 14.14% APR total. Monthly payment amount = $131.16. Payment is based on first due date in 30 days. Not all members qualify for payment deferment. Interest will continue to accrue during the payment deferment period. Deferred payments may not exceed 45 days.

  • Boat & RV Loans
    calendar Rates Effective: January 3, 2020
    Boat & RV Loan Rates
    Model Year Terms Up To Fixed APR* As Low As Sample Monthly Payment for $40,0001
    Model Year 10 Years old or Newer Terms Up To 96 Months (loans up to $50,000) Fixed APR* As Low As 5.50% Sample Monthly Payment for $40,0001 $515.00
    Model Year 10 Years old or Newer Terms Up To 120 Months (loans up to $150,000) Fixed APR* As Low As 6.25% Sample Monthly Payment for $40,0001 $449.00
    Model Year 10 Years old or Newer Terms Up To 144 Months (loans up to $200,000) Fixed APR* As Low As 7.25% Sample Monthly Payment for $40,0001 $416.00

    *APR = Annual Percentage Rate. Rates are subject to change at any time without notice. Not all applicants will qualify for the lowest rate. Offer not available to existing ACFCU car loans. Up to 110% financing available for new autos/motorcycles; NADA retail value for used motorcycles. Up to 95% financing available for new and used boats/RVs. Loan and membership eligibility apply. To qualify for as low as rate, members must meet credit criteria qualifications and 2 of the 3 following criteria: An active ACFCU checking account with at least $1,000 monthly direct deposit, an active ACFCU Visa® Credit Card with a balance of at least $1,000, and/or apply for the auto loan via our Online Application.

    1 Payment examples may be different due to payment protection being added to the loan and first payment due date not being 30 days from funding.

  • Motorcycle Loans
    calendar Rates Effective: July 1, 2020
    Motorcycle Loan Rates
    Model Year Terms Up To Fixed APR* As Low As Sample Monthly Payment for $20,0001
    Model Year New 2019-2021 Terms Up To 60 Months Fixed APR* As Low As 3.99% Sample Monthly Payment for $20,0001 $368.00
    Model Year Used 2013-2018 Terms Up To 60 Months Fixed APR* As Low As 3.99% Sample Monthly Payment for $20,0001 $368.00
    Model Year New or Used Terms Up To 84 Months Fixed APR* As Low As 4.99% Sample Monthly Payment for $20,0001 $494.52 for minimum loan amount of $35,000.00

    *APR = Annual Percentage Rate. Rates are subject to change at any time without notice. Not all applicants will qualify for the lowest rate. Offer not available to existing ACFCU car loans. Up to 110% financing available for new autos/motorcycles; NADA retail value for used motorcycles. Up to 95% financing available for new and used boats/RVs. Loan and membership eligibility apply. To qualify for as low as rate, members must meet credit criteria qualifications and 2 of the 3 following criteria: An active ACFCU checking account with at least $1,000 monthly direct deposit, an active ACFCU Visa® Credit Card with a balance of at least $1,000, and/or apply for the auto loan via our Online Application.

    1 Payment examples may be different due to payment protection being added to the loan and first payment due date not being 30 days from funding.

Why Choose Arlington

As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.

Financial Empowerment

We’re here to help our members—and neighbors—meet their financial goals and live their best lives.

Rewarding Experience

We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.

Utmost Integrity

We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.