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%

† Minimum balance to open Share Account—$5

Account Dividend Rate Annual Percentage Yield
Money Manager 0.15% 0.15%
Account Dividend Rate Annual Percentage Yield
IRA Share Account 0.15% 0.15%
Account Dividend Rate Annual Percentage Yield
Holiday Club 0.15% 0.15%
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 0.70% 0.70%
Balance $50,000-$249,999.99 0.80% 0.80%
Balance $250,000+ 1.00% 1.00%
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 0.35% 0.35%
Balance $50,000- $99,999.99 0.40% 0.40%
Balance $100,000 and greater 0.45% 0.45%

†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 0.60% 0.60%
$10,000- $99,999.99 0.65% 0.65%
$100,000-$249,999.99 0.70% 0.70%
$250,000+ 0.75% 0.75%
6 Month
$500-$9,999.99 0.75% 0.75%
$10,000- $99,999.99 0.80% 0.80%
$100,000-$249,999.99 0.85% 0.85%
$250,000+ 0.90% 0.90%
1 Year
$500-$9,999.99 1.20% 1.21%
$10,000-$99,999.99 1.25% 1.26%
$100,000-$249,999.99 1.30% 1.31%
$250,000+ 1.35% 1.36%
2 Year
$500-$9,999.99 1.35% 1.36%
$10,000-$99,999.99 1.40% 1.41%
$100,000-$249,999.99 1.45% 1.46%
$250,000+ 1.50% 1.51%
3 Year
$500-$9,999.99 1.50% 1.51%
$10,000-$99,999.99 1.55% 1.56%
$100,000-$249,999.99 1.60% 1.61%
$250,000+ 1.65% 1.66%
4 Year
$500-$9,999.99 1.75% 1.76%
$10,000-$99,999.99 1.80% 1.81%
$100,000-$249,999.99 1.85% 1.87%
$250,000+ 1.90% 1.92%
5 Year Step-Up†
$500-$9,999.99 1.80% 1.81%
$10,000-$99,999.99 1.85% 1.87%
$100,000-$249,999.99 1.90% 1.92%
$250,000+ 1.95% 1.97%
5 Year
$500-$9,999.99 1.95% 1.97%
$10,000-$99,999.99 2.00% 2.02%
$100,000-$249,999.99 2.05% 2.07%
$250,000+ 2.10% 2.12%

†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.
Minimum balance to open certificates $500. (Unless noted)
Penalty applies for early withdrawal.
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.

Rates effective as of March 25, 2020 and subject to change. Above are prospective dividend rates for the current period.
Accounts Dividend Rate Annual Percentage Yield
First Class Checking Account 0.05% 0.05%
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.

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.

Rates effective as of March 25, 2020 and subject to change. Above are prospective dividend rates for the current period.
Auto APR as Low as* Payment per $1,000
Cars, Trucks & Vans
Model Year: 2016 & Newer
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: 2015 - 2012
36 Month Term 2.74% $28.97
48 Month Term 2.99% $22.13
60 Month Term 3.24% $18.08
72 Month Term 3.74% $15.53
84 Month Term 4.24% $13.78
Model Year: 2011 & Older
36 Month Term 3.24% $29.19
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
Home Equity Line of Credit APR as Low as*
Variable Rate — 80% Loan-to-value (Max. 18% APR) 4.50%
Variable Rate — 90% Loan-to-value (Max. 18% APR) 6.00%

*APR = Annual Percentage Rate. Rates range from 4.50% to 11.00%. HELOC rates 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% loan-to-value. Membership with a $5.00 minimum opening deposit is required.

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
Line of Credit APR
Line of Credit 10.90%
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 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: 2016 & 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: 2015 - 2012
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: 2011 & 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: 2016 & Newer
60 Month Term 4.24% $18.53
Model Year: 2015 - 2012
60 Month Term 4.49% $18.64
Model Year: 2011 & Older
60 Month Term 4.99% $18.87
Boats
60 Month Term 3.49% $18.19
72 Month Term 3.99% $15.64
84 Month Term 4.49% $13.90
120 Month Term 5.49% $10.85
RVs†
Model Year: 2016 & Newer
60 Month Term 4.49% $18.64
72 Month Term 4.99% $16.10
84 Month Term 5.49% $14.37
Model Year: 2015 - 2012
60 Month Term 4.74% $18.75
72 Month Term 5.24% $16.22
84 Month Term 5.74% $14.48
Model Year: 2011 & Older
60 Month Term 5.24% $18.98
72 Month Term 5.74% $16.45
84 Month Term 6.24% $14.72
Aircraft‡
84 Month Term 4.99% $14.13

*APR = Annual Percentage Rate.
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.

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 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.

Rates effective as of January 29, 2020 and subject to change.
Fixed-Rate Rate - Add .50% to all rates for refinance transactions APR Monthly Payment1 Example Loan Amount
30 Year Fixed
3.500% 3.544% $898.09 $200,000
20 Year Fixed
3.250% 3.311% $1,134.39 $200,000
15 Year Fixed
3.125% 3.204% $1,393.22 $200,000
10 Year Fixed
3.000% 3.114% $1,931.21 $200,000
Adjustable-Rate Rate - Add .50% to all rates for refinance transactions APR Monthly Payment1 Example Loan Amount
10/5 Year ARM
3.375% 3.490% $884.19 $200,000
10/1 Year ARM
3.250% 3.365% $870.41 $200,000
7/1 Year ARM
3.125% 3.285% $856.75 $200,000
5/1 Year ARM
2.875% 3.096% $829.78 $200,000
Jumbo Loan Rate - Add .50% to all rates for refinance transactions APR Monthly Payment1 Example Loan Amount
30 Year Fixed Jumbo
3.375% 3.392% $2,210.48 $600,000
10/5 Year ARM Jumbo
3.250% 3.296% $2,176.03 $600,000
10/1 Year ARM Jumbo
3.125% 3.171% $2,141.88 $600,000
7/1 Year ARM Jumbo
3.000% 3.064% $2,108.02 $600,000
5/1 Year ARM Jumbo
2.750% 2.838% $2,041.21 $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 $510,400; $765,600 in AK (30 Year Fixed Jumbo applies to amounts greater than $510,400; $765,600 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 27, 2020 and subject to change.
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