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Rates

Earn and Save More

As a not-for-profit, we know your money means a lot to you. That's why we offer lower credit card, personal loan, auto loan, and mortgage rates, and higher returns on checking and savings solutions.

Account Dividend Rate Annual Percentage Yield
Share Savings† 0.15% 0.15%

Rates effective as of February 24, 2021 and subject to change. Above are prospective dividend rates for the current period.
† Minimum balance to open Share Account—$5

Account Dividend Rate Annual Percentage Yield
Money Manager 0.15% 0.15%

Rates effective as of February 24, 2021 and subject to change. Above are prospective dividend rates for the current period.
Membership with a $5.00 minimum opening deposit required.

Account Dividend Rate Annual Percentage Yield
IRA Share Account 0.15% 0.15%

Rates effective as of February 24, 2021 and subject to change. Above are prospective dividend rates for the current period.

Account Dividend Rate Annual Percentage Yield
Holiday Club 0.15% 0.15%

Rates effective as of February 24, 2021 and subject to change. Above are prospective dividend rates for the current period.

High-Yield Savings Account (also available as an IRA) Dividend Rate Annual Percentage Yield
Balance $0 - $9,999.99 0.10% 0.10%
Balance $10,000 - $49,999.99 0.30% 0.30%
Balance $50,000-$249,999.99 0.40% 0.40%
Balance $250,000+ 0.60% 0.60%

Rates effective as of February 24, 2021 and subject to change. Above are prospective dividend rates for the current period.
Membership with a $5.00 minimum opening deposit required.

Wings Investment Money Market Account (also available as an IRA)† Dividend Rate Annual Percentage Yield
Balance less than $5,000 0.00% 0.00%
Balance $5,000- $49,999.99 0.15% 0.15%
Balance $50,000- $99,999.99 0.20% 0.20%
Balance $100,000 and greater 0.25% 0.25%

Rates effective as of February 24, 2021 and subject to change. Above are prospective dividend rates for the current period.
†Minimum balance to open Wings Investment Money Market and Wings IRA Investment Money Market—$5,000;

Certificates (Share and IRA) Dividend Rate Annual Percentage Yield
3 Month
$500-$9,999.99 0.15% 0.15%
$10,000- $99,999.99 0.20% 0.20%
$100,000-$249,999.99 0.25% 0.25%
$250,000+ 0.30% 0.30%
6 Month
$500-$9,999.99 0.30% 0.30%
$10,000- $99,999.99 0.35% 0.35%
$100,000-$249,999.99 0.40% 0.40%
$250,000+ 0.45% 0.45%
1 Year
$500-$9,999.99 0.55% 0.55%
$10,000-$99,999.99 0.60% 0.60%
$100,000-$249,999.99 0.65% 0.65%
$250,000+ 0.70% 0.70%
2 Year
$500-$9,999.99 0.70% 0.70%
$10,000-$99,999.99 0.75% 0.75%
$100,000-$249,999.99 0.80% 0.80%
$250,000+ 0.85% 0.85%
3 Year
$500-$9,999.99 0.85% 0.85%
$10,000-$99,999.99 0.90% 0.90%
$100,000-$249,999.99 0.95% 0.95%
$250,000+ 1.00% 1.00%
4 Year
$500-$9,999.99 0.95% 0.95%
$10,000-$99,999.99 1.00% 1.00%
$100,000-$249,999.99 1.05% 1.06%
$250,000+ 1.10% 1.11%
5 Year Step-Up†
$500-$9,999.99 1.10% 1.11%
$10,000-$99,999.99 1.15% 1.16%
$100,000-$249,999.99 1.20% 1.21%
$250,000+ 1.25% 1.26%
5 Year
$500-$9,999.99 1.25% 1.26%
$10,000-$99,999.99 1.30% 1.31%
$100,000-$249,999.99 1.35% 1.36%
$250,000+ 1.40% 1.41%

Rates effective as of February 24, 2021 and subject to change. Above are prospective dividend rates for the current period.
*Minimum balance to open certificates $500. (Unless noted)
†Promotional Share/IRA Step-Up Certificates may be stepped-up one time. The step up rate will be determined by the current 5 year standard term certificate rate and will apply to the remaining term of the certificate.
Annual Percentage Yields disclosed assume quarterly compounding for amounts less than $100,000 and monthly compounding for amounts $100,000 and greater.
Penalty applies for early withdrawal.
Membership with a $5.00 minimum opening deposit required.
New certificate deposits are limited each month. When new certificate deposit limit is reached each month, new certificate deposits will be discontinued until the beginning of the following month.

Accounts Dividend Rate Annual Percentage Yield
First Class Checking Account 0.05% 0.05%

Rates effective as of November 19, 2020 and subject to change.
Membership with a $5.00 minimum opening deposit required.

High-Yield Checking Account †† Dividend Rate Annual Percentage Yield
If Requirements are Met
On the first $25,000 1.75% 1.76%
Amounts over $25,000 0.05% 0.05%
If Requirements are Not Met
All Balances 0.05% 0.05%

†† Dividends are calculated based on the average daily balance in the account. If requirements are met, a higher rate will be paid for the first $25,000 and a lower rate will be paid for any amounts over $25,000.
*APY Annual Percentage Yield.
Rates effective as of March 18, 2020 and subject to change.
Membership with a $5.00 minimum opening deposit required.

Credit Cards Annual Percentage Rate
Member Rewards Visa Signature - 0.00% introductory APR* for 12 months from account opening on purchases and balance transfers. After introductory rate: 14.20% - 18.00% variable APR
Member Cash Rewards Visa Signature - 0.00% introductory APR* for 12 months from account opening on purchases and balance transfers. After introductory rate: 14.20% - 18.00% variable APR
Visa Platinum - 0.00% introductory APR* for 12 months from account opening on purchases and balance transfers. After introductory rate: 8.15% – 18.00% variable APR

*APR = Annual Percentage Rate.
The APR will vary with the market based on the Prime Rate.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.

Auto APR as Low as* Payment per $1,000
Cars, Trucks & Vans
Model Year: 2017 & Newer
36 Month Term 2.24% $28.75
48 Month Term 2.49% $21.91
60 Month Term 2.74% $17.85
72 Month Term 3.24% $15.30
84 Month Term 3.74% $13.55
Model Year: 2016 - 2013
36 Month Term 2.49% $28.86
48 Month Term 2.74% $22.02
60 Month Term 2.99% $17.96
72 Month Term 3.49% $15.41
84 Month Term 3.99% $13.66
Model Year: 2012 & Older
36 Month Term 2.99% $29.08
48 Month Term 3.24% $22.24
60 Month Term 3.49% $18.19
72 Month Term 3.99% $15.64
84 Month Term 4.24% $13.78

*APR = Annual Percentage Rate. Rates effective as of March 1, 2021 and subject to change without notice.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
Rates assume a 0.25% discount for automatic recurring payments from a Wings Checking or Savings account and a 0.25% discount for payroll direct deposit(s) totaling over $300 into a Wings Checking or Savings account per month.
All loans subject to approval. Speak to a loan officer for details. Payment example – Assuming a $25,000 auto loan for 60 months at 2.99% APR the monthly payment will be $449.00.

Home Equity Line of Credit APR as Low as*
Flex-Line HELOC – 80% loan-to-value 3.49%
Flex-Line HELOC – 90% loan-to-value 5.99%

*APR = Annual Percentage Rate.
† *APR = Annual Percentage Rate Rates effective as of 2/1/21 and are variable and subject to change monthly. The maximum APR is 18%. Closing costs may vary by state. The average cost is $300, but can range from $50 to $1,800. Interest-only payments only available for loans approved at 80% LTV.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
All loans subject to approval. Speak to a loan officer for details.

Home Improvement Loan APR as Low as* Payment per $1,000
48 Month Term 6.99% $23.94
60 Month Term 8.99% $20.75
72 Month Term 10.99% $19.03

*APR = Annual Percentage Rate. Rates effective as of November 19, 2020 and subject to change without notice.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
All loans subject to approval. Speak to a loan officer for details.

Line of Credit APR
Line of Credit 10.90%

*APR = Annual Percentage Rate. Rates effective as of November 19, 2020 and subject to change without notice.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ. All loans subject to approval. Speak to a loan officer for details.

Personal Loan APR as Low as* Payment per $1,000
48 Month Term 8.99% $24.88
60 Month Term 10.99% $21.74
72 Month Term 12.99% $20.07

*APR = Annual Percentage Rate. Rates effective as of November 19, 2020 and subject to change without notice.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
All loans subject to approval. Speak to a loan officer for details.
Personal Loan payment example – Assuming a $10,000 personal loan for 60 months at 10.99% APR the monthly payment will be $217.40.

Recreational Vehicle APR as Low as* Payment per $1,000
Motorcycles
Model Year: 2017 & Newer
48 Month Term 3.24% $22.24
60 Month Term 3.49% $18.19
72 Month Term 3.99% $15.64
84 Month Term 4.49% $13.90
Model Year: 2016 - 2013
48 Month Term 3.49% $22.35
60 Month Term 3.74% $18.30
72 Month Term 4.24% $15.75
84 Month Term 4.74% $14.01
Model Year: 2012 & Older
48 Month Term 3.99% $22.57
60 Month Term 4.24% $18.53
72 Month Term 4.74% $15.98
84 Month Term 5.24% $14.25
Personal Watercraft, ATV & Snowmobiles
Model Year: 2017 & Newer
60 Month Term 4.24% $18.53
Model Year: 2016 - 2013
60 Month Term 4.49% $18.64
Model Year: 2012 & Older
60 Month Term 4.99% $18.87
Boats
60 Month Term 3.24% $18.08
72 Month Term 3.74% $15.53
84 Month Term 4.24% $13.78
120 Month Term 5.24% $10.72
RVs†
Model Year: 2017 & Newer
60 Month Term 4.24% $18.53
72 Month Term 4.74% $15.98
84 Month Term 5.24% $14.25
Model Year: 2016 - 2013
60 Month Term 4.24% $18.53
72 Month Term 4.99% $16.10
84 Month Term 5.49% $14.37
Model Year: 2012 & Older
60 Month Term 4.99% $18.87
72 Month Term 5.49% $16.33
84 Month Term 5.99% $14.60
Aircraft‡
84 Month Term 4.99% $14.13

*APR = Annual Percentage Rate. Rates effective as of March 1, 2021 and subject to change without notice.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
Rates assume a 0.25% discount for automatic recurring payments from a Wings Checking or Savings account and a 0.25% discount for payroll direct deposit(s) totaling over $300 into a Wings Checking or Savings account per month.
All loans subject to approval. Speak to a loan officer for details.
†Rate applies to loans up to $50,000; ask about rate for larger loans.
‡Rate applies to loans up to $100,000; ask about rate for larger loans.

Boat Loan payment example: Assuming a $25,000 boat loan for 60 months at 3.49% APR the monthly payment will be $454.75.
Motorcycle Loan payment example: Assuming a $10,000 motorcycle loan for 60 months at 3.49% APR the monthly payment will be $181.90.
RV Loan payment example: Assuming a $40,000 RV loan for 60 months at 2.99% APR the monthly payment will be $745.60.
Personal Watercraft Loan payment example: Assuming a $10,000 loan for 60 months at 4.24% APR the monthly payment will be $185.30.
Aircraft Loan payment example: Assuming a $50,000 aircraft loan for 84 months at 4.99% APR the monthly payment will be $703.89.

Variable Rate APR*
Share and Money Manager Secured 2.25%
Certificate Secured loans available at 2.00% over current certificate rates.

*APR = Annual Percentage Rate. Rates effective as of November 19, 2020 and subject to change without notice.
Rates are based on an evaluation of your credit history and other factors, so your rate may differ. All loans subject to approval. Speak to a loan officer for details.

Fixed-Rate Rate APR Monthly Payment1 Example Loan Amount
30 Year Fixed
3.125% 3.168% $856.75 $200,000
20 Year Fixed
2.875% 2.935% $1,096.72 $200,000
15 Year Fixed
2.625% 2.703% $1,345.38 $200,000
10 Year Fixed
2.500% 2.613% $1,885.40 $200,000
Adjustable-Rate Rate APR Monthly Payment1 Example Loan Amount
10/5 Year ARM
3.000% 3.114% $843.21 $200,000
10/1 Year ARM
2.875% 2.989% $829.78 $200,000
7/1 Year ARM
2.750% 2.910% $816.48 $200,000
5/1 Year ARM
2.500% 2.720% $790.24 $200,000
Jumbo Loan Rate APR Monthly Payment1 Example Loan Amount
30 Year Fixed Jumbo
3.125% 3.140% $2,141.88 $600,000
10/5 Year ARM Jumbo
3.000% 3.038% $2,529.62 $600,000
10/1 Year ARM Jumbo
2.875% 2.921% $2,074.46 $600,000
7/1 Year ARM Jumbo
2.750% 2.814% $2,041.21 $600,000
5/1 Year ARM Jumbo
2.500% 2.588% $1,975.60 $600,000

1APR & Payment Examples - The APR and monthly payment examples assume a 20% down payment, 360 total monthly payments (240 for 20 Year Fixed, 180 for 15 Year Fixed, and 120 for 10 Year Fixed), and $1809.00 estimated borrower pre-paid finance charges. If the down payment is less than 20%, mortgage insurance may be required on the loan and could result in an increased APR and payment. Adjustable-Rate Mortgage rates are variable and subject to increase after consummation.

$950 loan origination fee2
**FANNIE MAE NOTICE** - All fixed rate mortgages are subject to Fannie Mae fees based on credit score, LTV and other factors which may apply.

Fixed-Rate Loan amounts amounts up to $548,250; $822,375 in AK (30 Year Fixed Jumbo applies to amounts greater than $548,250; $822,375 in AK)
Adjustable-Rate Loan amounts up to $700,000 (for loans greater than $700,000, speak to a loan officer for details).
Maximum Fixed Rate Loan Amount - 97% Loan to Value (LTV)3
Rate Locks - 60 Days - No Fee
2Additional third-party closing costs will apply. Membership is required.
33% minimum down payment available for new-purchase, 30-year fixed rate mortgage for first-time homebuyers only and adjustable-rate mortgages (ARMs) for all borrowers.

Rates effective as of March 2, 2021 and subject to change.