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Checking Rates

Dividends are compounded monthly on Interest Yielding Checking Accounts.

Checking Accounts Minimum Rate APY*
Saver & Saver Plus $25 to open
Tier 1 $0.00 - $25,000 1.00% 1.00%**
Tier 2 Above $25,000 0.10% 0.10%**
  Qualifications not met 0.05% 0.05%
Senior (60+) $25 to open N/A N/A
Simple (e-Checking) $25 to open N/A N/A
Spender $25 to open N/A N/A
Money Market $25 to open
Tier 1 $0 - $2,499 0.05% 0.05%
Tier 2 $2,500 - $9,999 0.20% 0.20%
Tier 3 $10,000 - $24,999 0.25% 0.25%
Tier 4 $25,000 - $49,999 0.30% 0.30%
Tier 5 $50,000 + 0.40% 0.40%
Health Savings Account with Checking (HSA)
Tier 1 $0 - $499 0.05% 0.05%
Tier 2 $500 + 0.10% 0.10%

* Annual Percentage Yield - Rates subject to change daily.

** Additional requirements must be met to receive this rate. Receive 1.98% Annual Percentage Yield (APY) & ATM Fee Refunds up to $25 monthly if requirements are met up to balances of $25,000 (a rate of 0.25% APY applies for any balance above $25,000). If requirements are not met during the statement cycle, a rate of 0.05% APY will apply & ATM fees will not be refunded. There is no minimum balance required & no monthly service charge. To qualify for 1.98% APY all requirements must be posted to checking account BEFORE the last business day each month.

For additional information: (937) 859-6260

Savings Rates

Savings rates displayed are set at the beginning of each month and are subject to change daily. Penalties may apply for early withdrawal.

Savings Accounts Minimum Rates APY*
Primary Savings - required for membership $5 0.05% 0.05%
Secondary Savings N/A 0.05% 0.05%
Smart Savings Account
Tier 1 $0 - $100,000 0.50% 0.50%
Tier 2 Above $100,000 0.10% 0.10%
  Qualifications not met 0.05% 0.05%
Christmas Savings N/A 0.05% 0.05%
Vacation Club Savings N/A 0.05% 0.05%
Cap & Gown College Savings
Age 0 - 8 $100 1.54% 1.55%
Age 9 - 14 $100 1.04% 1.05%
IRA Savings N/A 0.05% 0.05%
Certificates & IRAs
6 months $500 0.50% 0.50%
12 months $1,000 0.80% 0.80%
18 months $1,000 0.85% 0.85%
24 months $1,000 0.90% 0.90%
36 months $1,000 0.95% 0.95%
48 months $1,000 1.04% 1.05%
60 months $1,000 1.14% 1.15%
Jumbo Certificates
24 months $100,000 1.00% 1.00%
36 months $100,000 1.04% 1.05%
48 months $100,000 1.14% 1.15%
60 months $100,000 1.24% 1.25%

Dividends are compounded monthly on: Smart Savings, Money Market, HSA's, Cap & Gown, and Certificates. Dividends on all other accounts are compounded quarterly.

*Annual Percentage Yield - Rates subject to change daily.

For additional information: (937) 859-6260

Auto Loan Rates

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Auto Loans 63 Month Rate (as low as) 63 Month APR (as low as)
2017 & newer 2.65% 2.84%

Subject to application and credit approval. A $20,000 loan amount with $99 processing fee will result in 63 monthly payments of $342.09 if first payment is made within 30 days. Other rates, terms, payments and loan amounts are available. Rate may vary depending on each individual’s credit history and underwriting factors.

Credit Card Rates

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Credit Cards Introductory APR (12 months) Min. APR Max APR
Master Card Variable Rate 4.99% 9.25% 16.25%

Rate based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Programs, rates, terms and conditions are subject to change without notice.

Rates, Fees and Disclosures

Home Equity Rates

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Home Equity Line of Credit ($10,000 min) Variable APR
Prime Rate 3.25%
$24,999 or less Prime + 0.5%
$25,000 + Prime + 0.0%

80% or less CLTV (Combined Loan-to-Value)

Subject to credit approval and must be borrower’s primary residence. Home Equity loans are also subject to acceptable property appraisal and title search. Minimum Line of Credit amount is $10,000 to a maximum of $100,000. Minimum advance amount of $200.

Variable rate is based on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal on the first day of each month. Maximum rate 18%.

Fees: Appraisal fees range from $300-$325; Title fees: $95

Biz Checking & Savings Rates

Rates for Business Dividend Checking and Vision Checking

Rates displayed are set at the beginning of each month and are subject to change daily.

Checking Accounts Minimum Rates APY*
Biz Dividend** & Vision Checking
Tier 1 $1,000 - $25,000 0.05% 0.05%
Tier 2 $25,000.01 - $100,000 0.10% 0.10%
Tier 3 $100,000.01 + 0.20% 0.20%

Minimum balance to earn dividends is $1,000.

* Annual Percentage Yield - Rates subject to change daily.

** Monthly fees may apply for Business Dividend

For additional information: (937) 859-6260

Money Market 4BIZ Rates

Savings rates displayed are set at the beginning of each month and are subject to change daily.

Savings Accounts Minimum Rates APY*
Money Market Checking
Tier 1 $0 - $2,499 0.05% 0.05%
Tier 2 $2,500 - $9,999 0.20% 0.20%
Tier 3 $10,000 - $24,999 0.25% 0.25%
Tier 4 $25,000 - $49,999 0.30% 0.30%
Tier 5 $50,000 + 0.40% 0.40%

Dividends are compounded monthly on: Money Market Account and Certificates. Dividends on all other accounts are compounded quarterly.

* Annual Percentage Yield - Rates subject to change daily.

For additional information: (937) 859-6260

Certificate 4BIZ Rates

Savings rates displayed are set at the beginning of each month and are subject to change daily.

Savings Accounts Minimum Rates APY*
Certificates
6 months $500 0.50% 0.50%
12 months $1,000 0.80% 0.80%
24 months $1,000 0.90% 0.90%
36 months $1,000 0.95% 0.95%
48 months $1,000 1.04% 1.05%
60 months $1,000 1.14% 1.15%
Jumbo Certificates
24 months $100,000 1.00% 1.00%
36 months $100,000 1.04% 1.05%
48 months $100,000 1.14% 1.15%
60 months $100,000 1.24% 1.25%

Dividends are compounded monthly on: Money Market Account and Certificates. Dividends on all other accounts are compounded quarterly.

* Annual Percentage Yield - Rates subject to change daily.

For additional information: (937) 859-6260

Rates as of 05/01/2020. APR = Annual Percentage Rate. All credit union rates, terms and conditions are subject to change at any time without notice. Not all applications will qualify. Call 800-798-0217 for current rates, terms and conditions.