APY = Annual Percentage Yield. Rates effective as of November 1, 2022. Fees may reduce earnings.

Loan Rates

APR = Annual Percentage Rate.

Product APR as low as
New Auto 2.99%
Used Auto 2.99%
First Time Buyer Auto 10.50%
Signature Loan 10.99%
Personal Line of Credit 18.00%
FlexRewards Platinum Mastercard+ 11.49%
Secured Mastercard 17.99%
New RV / Boat / Motorcycle 6.44%
Used RV / Boat / Motorcycle 6.44%
Share Secured Loans 4.00%
Certificate Secured Loans 3.00% Over Dividend Rate on Certificate
Home Equity Line of Credit - up to 80%
Rates are current and are subject to quarterly adjustment.
Prime +0.75%*
Home Equity Line of Credit - up to 85%
Rates are current and are subject to quarterly adjustment.
Prime +1.50%
Home Equity Line of Credit - up to 90%
Rates are current and are subject to quarterly adjustment.
Prime +2.00%*
Home Equity Line of Credit - up to 95%
Rates are current and are subject to quarterly adjustment.
Prime +2.50%*
1st Mortgage Loans Call us for details (702) 791-4777

Rates are accurate as of effective date. Rates listed are the lowest APR available. The rate may vary depending on each individual's credit history and underwriting factors. All loans subject to credit approval. Other conditions and terms may apply. Programs are subject to change without notice. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

+Currently FlexRewards Platinum Mastercard variable APRs are between 11.49% and 18.00%, depending on your credit history and other factors. Rates may change periodically based on the Prime Rate.

*Rate is based upon prime rate, WSJ Money Rates

Savings Account Rates

APY = Annual Percentage Yield

Product Minimum Balance Min Dividends Balance Dividend Rate APY
Primary Share Savings $5 $500 0.05% 0.05%
Holiday Club $0 $500 0.05% 0.05%
Regular Savings $0 $500 0.05% 0.05%
Minor Share Savings $5 $25 0.05% 0.05%

Rates are accurate as of effective date. Programs are subject to change without notice. You must complete one share in your Regular share account as a condition of admission to membership and eligibility for any additional services. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. The credit union has the right to transfer from any share account, share draft account or term certificate (excluding IRA) to offset any debt.

Money Market

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Tiered Minimum Tiered Maximum Dividend Rate APY
$5,000 $24,999.99 0.40% 0.40%
$25,000 $99,999.99 0.45% 0.45%
$100,000 + - 0.50% 0.50%
Term Certificate Rates

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Term Minimum Balance Dividend Rate APY
3 - 5 mo $500 0.55% 0.55%
6 - 11 mo $500 0.65% 0.65%
12 - 17 mo $500 0.80% 0.80%
18 - 23 mo $500 0.85% 0.85%
24 - 35 mo $500 1.30% 1.31%
36 - 47 mo $500 1.40% 1.41%
48 - 59 mo $500 1.45% 1.46%
60 mo + $500 1.60% 1.61%

Penalty may be imposed for withdrawals prior to maturity.

IRA Shares

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Tiered Minimum Tiered Maximum Dividend Rate APY
$500 $24,999.99 0.400% 0.40%
$25,000 $99,999.99 0.45% 0.45%
$100,000 + - 0.50% 0.50%
IRA Term Certificate Rates

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Term Minimum Balance Dividend Rate APY
3 - 5 mo $500 0.55% 0.55%
6 - 11 mo $500 0.65% 0.65%
12 - 17 mo $500 0.80% 0.80%
18 - 23 mo $500 0.85% 0.85%
24 - 35 mo $500 1.30% 1.31%
36 - 47 mo $500 1.40% 1.41%
48 - 59 mo $500 1.45% 1.46%
60 mo + $500 1.60% 1.61%

Penalty may be imposed for withdrawals prior to maturity.

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