Our Current Rates
Easy Checking Interest Rates
| BALANCE UP TO | APY* |
| $0 - $4,999 | 0.00% |
| $5,000 and above | 0.01% |
For more information on our Easy Checking account, click here.
Smart Savings Interest Rates
| BALANCE UP TO | APY* |
|---|---|
| $0 - $24,999 | 1.00% |
| $25,000 and above | 1.00% |
For more information on our Smart Savings account, click here.
First Savings Interest Rates
| BALANCE UP TO | APY* |
| $0 - $4,999 | 5.00% |
| $5,000 and above | 0.50% |
Our First Savings account is available for kids ages 0-18 and is designed to grow with your child. To learn more our accounts for kids, click here.
Smart Rate Money Market Interest Rates
| BALANCE UP TO | APY* |
|---|---|
| $0 - $24,999 | 0.01% |
| $25,000 - $49,999 | 1.00% |
| $50,000 - $249,999 | 2.00% |
| $250,000 - $499,999 | 2.25% |
| $500,000 and above | 3.00% |
For more information on our Smart Rate Money Market account, click here.
Premier Plus Money Market Interest Rates
| BALANCE UP TO | APY* |
|---|---|
| $0 - $24,999 | 0.01% |
| $25,000 - $49,999 | 0.01% |
| $50,000 - $249,999 | 2.25% |
| $250,000 - $499,999 | 2.75% |
| $500,000 and above | 3.00% |
For more information on our Premier Banking products, click here.
CD Interest Rates
| CD Type | APY* |
|---|---|
| 30 Day | 2.00% |
| 90 Day | 2.00% |
| 180 Day | 2.00% |
| 12-month | 3.40% |
| 12-month special | 3.65%^ |
| 18-month | 3.40% |
| 24-month | 3.35% |
^ 12-month special CD must have a minimum balance of $100,000. This CD is not eligible for Bump-up CD Conversion. This CD will automatically renew into a standard 12 Month CD at the then current standard CD rate.
Call 1.866.EXTRACO for additional CD interest rates & info.
Auto Loan Rates
| YEAR MODEL | TERM | APR** |
|---|---|---|
| New & Used: 2026; 2025, 2024 | 75 Mo. | 5.35% |
| New & Used: 2026; 2025, 2024, 2023, 2022 | 66 Mo. | 5.10% |
| 2021 | 60 Mo. | 5.10% |
| 2020 | 54 Mo. | 5.10% |
| 2019 | 42 Mo. | 5.10% |
| 2018 | 36 Mo. | 5.10% |
| 2017 | 36 Mo. | 5.95% |
| 2016 | 36 Mo. | 5.95% |
Example: For a $20,000 auto loan for a term of 60 months with a 5.10% APR, the monthly payment will be $378.34.
Recreational Vehicle Rates
| YEAR MODEL | TERM | APR** |
|---|---|---|
| New & Used: 2026; 2025, 2024 | 75 Mo. | 7.35% |
| New & Used: 2026; 2025, 2024, 2023, 2022 | 66 Mo. | 7.10% |
| 2021 | 60 Mo. | 7.10% |
| 2020 | 54 Mo. | 7.10% |
| 2019 | 42 Mo. | 7.10% |
| 2018 | 36 Mo. | 7.10% |
| 2017 | 36 Mo. | 7.95% |
| 2016 | 36 Mo. | 7.95% |
Example: For a $20,000 auto loan for a term of 60 months with a 7.10% APR, the monthly payment will be $397.10.
