Our Rates
Rates up to date as of March 18, 2024. Rates subject to change without notice.
Regular Shares and Escrow Accounts
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $50 - $999 | 0.100% | 0.100% |
| $1,000 - $49,999 | 0.100% | 0.100% |
| $50,000 and Greater | 0.100% | 0.100% |
- APY = annual percentage yield.
GoldStar® Shares
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $50 - $999 | 0.125% | 0.125% |
| $1,000 - $49,999 | 0.125% | 0.125% |
| $50,000 and Greater | 0.125% | 0.125% |
- APY = annual percentage yield.
- Additional requirements apply for Youth and GoldStar® accounts.
Youth Accounts
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $50 - $999 | 0.150% | 0.150% |
| $1,000 - $49,999 | 0.150% | 0.150% |
| $50,000 and Greater | 0.150% | 0.150% |
- APY = annual percentage yield.
- Additional requirements apply for Youth and GoldStar® accounts.
- Each member is only allowed one primary share account. Minimum required account balance may be different than the minimum rate balance listed above.
Business Share Account
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $50 - $999 | 0.125% | 0.125% |
| $1,000 - $49,999 | 0.125% | 0.125% |
| $50,000 and Greater | 0.125% | 0.125% |
- APY = annual percentage yield.
IRA Shares
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $1 and Greater | 0.499% | 0.500% |
- APY = annual percentage yield.
Club Account
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $25 | 0.100% | 0.100% |
- APY = annual percentage yield.
Non-Interest Bearing
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $25 | 0.000% | 0.000% |
- APY = annual percentage yield.
Share Draft Accounts
| Account Type | Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|---|
| Regular Share Draft | $500 | 0.050% | 0.050% |
| FreshStart Share Draft 2 | $500 | 0.000% | 0.000% |
| ATM Share Draft | $500 | 0.000% | 0.000% |
| Business Basic Share Draft | $500 | 0.050% | 0.050% |
| Business Premier Share Draft | $500 | 0.200% | 0.200% |
| GoldStar® Share Draft 2 | $500 | 0.100% | 0.100% |
| Empowered Checking | $500 | 0.000% | 0.000% |
- APY = annual percentage yield.
- Additional requirements apply for Youth and GoldStar® accounts.
Money Market
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $0 - $999 | 0.000% | 0.000% |
| $1,000 - $4,999 | 1.490% | 1.500% |
| $5,000 - $9,999 | 1.588% | 1.600% |
| $10,000 - $24,999 | 1.736% | 1.750% |
| $25,000 - $49,999 | 2.227% | 2.250% |
| $50,000 - $99,999 | 2.618% | 2.650% |
| $100,000 - $249,999 | 3.203% | 3.250% |
| $250,000 and Greater | 3.929% | 4.000% |
- APY = annual percentage yield.
GoldStar® Jumbo Certificates and GoldStar® IRA Jumbo Certificates
| Term | Minimum Balance | Dividend Rate | APY1 |
|---|---|---|---|
| 6 Month Jumbo GoldStar® 2 | $100,000.00 | 5.223% | 5.350% |
| 10 Month Jumbo GoldStar® (Limited Time Special) 2 | $100,000.00 | 5.366% | 5.500% |
| 12 Month Jumbo GoldStar® 2 | $100,000.00 | 4.985% | 5.100% |
| 18 Month Jumbo GoldStar® 2 | $100,000.00 | 4.410% | 4.500% |
| 24 Month Jumbo GoldStar® 2 | $100,000.00 | 4.410% | 4.500% |
| 36 Month Jumbo GoldStar® 2 | $100,000.00 | 4.218% | 4.300% |
| 48 Month Jumbo GoldStar® 2 | $100,000.00 | 4.025% | 4.100% |
| 60 Month Jumbo GoldStar® 2 | $100,000.00 | 4.025% | 4.100% |
- APY = annual percentage yield.
- Requires membership in the GoldStar® Member Rewards Program.
GoldStar® Certificates and GoldStar® IRA Certificates
| Term | Minimum Balance | Dedicated Saver1 Minimum Balance | Dividend Rate | APY2 |
|---|---|---|---|---|
| 6 Month GoldStar® 3 | $500.00 | $5.00 | 5.128% | 5.250% |
| 10 Month GoldStar® (Limited Time Special) 3 | $500.00 | Not Applicable4 | 5.366% | 5.500% |
| 12 Month GoldStar® 3 | $500.00 | $5.00 | 4.889% | 5.000% |
| 18 Month GoldStar® 3 | $500.00 | $5.00 | 4.314% | 4.400% |
| 24 Month GoldStar® 3 | $500.00 | $5.00 | 4.314% | 4.400% |
| 36 Month GoldStar® 3 | $500.00 | $5.00 | 4.121% | 4.200% |
| 48 Month GoldStar® 3 | $500.00 | $5.00 | 3.929% | 4.000% |
| 60 Month GoldStar® 3 | $500.00 | $5.00 | 3.929% | 4.000% |
- Dedicated Saver Certificates require automatic transfer deposits of at least $5.00 monthly.
- APY = annual percentage yield.
- Requires membership in the GoldStar® Member Rewards Program.
- The 10 Month Specials are only available on Regular Certificates, not Dedicated Saver Certificates.
Regular, Youth, and IRA Jumbo Certificates
| Term | Minimum Balance | Dividend Rate | APY1 |
|---|---|---|---|
| 6 Month Jumbo | $100,000.00 | 5.128% | 5.250% |
| 10 Month Jumbo (Limited Time Special) | $100,000.00 | 5.366% | 5.500% |
| 12 Month Jumbo | $100,000.00 | 4.889% | 5.000% |
| 18 Month Jumbo | $100,000.00 | 4.314% | 4.400% |
| 24 Month Jumbo | $100,000.00 | 4.314% | 4.400% |
| 36 Month Jumbo | $100,000.00 | 4.121% | 4.200% |
| 48 Month Jumbo | $100,000.00 | 3.929% | 4.000% |
| 60 Month Jumbo | $100,000.00 | 3.929% | 4.000% |
- APY = annual percentage yield.
Regular, Youth, and IRA Certificates
| Term | Minimum Balance | Dedicated Saver1 Minimum Balance | Dividend Rate | APY2 |
|---|---|---|---|---|
| 6 Month | $500.00 | $5.00 | 5.032% | 5.150% |
| 10 Months (Limited Time Special) | $500.00 | Not Applicable3 | 5.366% | 5.500% |
| 12 Month | $500.00 | $5.00 | 4.793% | 4.900% |
| 18 Month | $500.00 | $5.00 | 4.218% | 4.300% |
| 24 Month | $500.00 | $5.00 | 4.218% | 4.300% |
| 36 Month | $500.00 | $5.00 | 4.025% | 4.100% |
| 48 Month | $500.00 | $5.00 | 3.832% | 3.900% |
| 60 Month | $500.00 | $5.00 | 3.832% | 3.900% |
- Dedicated Saver Certificates require automatic transfer deposits of at least $5.00 monthly.
- APY = annual percentage yield.
- The 10 Month Special is only available on Regular Certificates, not Dedicated Saver Certificates.
Auto Loan
| Account Type | Term | APR 13 |
|---|---|---|
| New Vehicle | Up to 84 Months | 6.74% 60 months2 |
| Used Vehicle | Up to 84 Months | 6.74% 60 months2 |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.
- Rates may be adjusted for year of vehicle.
Credit Cards
| Account Type | APR 12 |
|---|---|
| VISA Platinum | 9.90% |
| Cash Back VISA | 12.90% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- Minimum limit is $500.00 unless part of a promotional program.
Boats & RV Loan
| Term | APR 123 |
|---|---|
| Up to 84 Months | 7.49% |
| Up to 144 Months | 8.49% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- Rates may be adjusted for year of vehicle.
- GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.
Motorcycle, 4-wheeler, Jet-Ski
| Term | APR 123 |
|---|---|
| Up to 84 Months | 7.49% |
| Up to 144 Months | 8.49% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- Rates may be adjusted for year of vehicle.
- GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.
Share Secured Loan
| Term | APR |
|---|---|
| 12 Months | 3.00% 1 above savings rate |
| 24 Months | 3.25% 1 above savings rate |
| 36 Months | 3.50% 1 above savings rate |
| 48 Months | 3.75% 1 above savings rate |
| 60 - 120 Months | 4.00% 1 above savings rate |
| Visa Credit Card Share Secured | 9.90% |
- Based on lowest share rate offered. Rate determined by Members current dividend rate of secured shares.
Overdraft Line of Credit
| Account Type | APR 1 |
|---|---|
| Overdraft Line of Credit | 18.00% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
Personal Loan
| Account Type | Term | APR 12 |
|---|---|---|
| Personal Loan | Up to 60 Months | 10.24% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.
Mortgages-Conforming
| Account Type | Rate | APR 1 |
|---|---|---|
| 30 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
| 20 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
| 15 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
Mortgages-Mini ($250,000 or less)
| Account Type | Rate | APR 1 |
|---|---|---|
| 5 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
| 7 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
| 10 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
Home Equity (Fixed 2nd)
| Account Type | Term | APR 1 |
|---|---|---|
| Home Equity Line of Credit | Call 801-838-8810 for mortgage info | Call 801-838-8810 for mortgage info |
| Home Equity | 5 Year | Call 801-838-8810 for mortgage info |
| Home Equity | 10 Year | Call 801-838-8810 for mortgage info |
- Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
Lot Loan
| Account Type | APR 1 |
|---|---|
| Improved Lot Loan | 7.00% 2 |
| Unimproved Lot Loan | 8.50% 2 |
- Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- 40% down, term based off credit rating.
Construction Loan
| Account Type | APR 1 |
|---|---|
| Construction Loan | 6.25% 2 |
- Rates and financing are based on applicant's credit worthiness and the term of the loan.
- Loan to Cost = 90%, Loan to Value = 80% Fixed Rate, Term of 1 Year
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