Image
Plant Growing

Our Current Rates

Easy Checking Interest Rates

BALANCE UP TO APY*
$0 - $4,999 0.00%
$5,000 and above 0.05%

Smart Savings Interest Rates

BALANCE UP TO APY*
$0 - $24,999 1.00%
$25,000 and above 1.25%

Smart Rate Money Market Interest Rates

 BALANCE UP TO APY*
$0 - $24,999 1.05%
$25,000 - $49,999 2.00%
$50,000 - $249,999 2.75%
$250,000 - $499,999 3.50%
$500,000 and above 4.25%

Premier Plus Money Market Interest Rates

 BALANCE UP TO APY*
$0 - $24,999 1.15%
$25,000 - $49,999 2.25%
$50,000 - $249,999 3.00%
$250,000 - $499,999 3.75%
$500,000 and above 4.50%

For more information on our Premier Banking products, click here.

 


CD Interest Rates

CD Type APY*
30 Day 1.60%
90 Day 1.70%
180 Day 1.85%
8-month 5.00%^
12-month 2.50%
18-month 2.50%
24-month 2.50%

 

Call 1.866.EXTRACO for additional CD interest rates & info.

^Special rate CD as of 10-19-23. To read the requirements, click here.


Auto Loan Rates 

YEAR MODEL TERM APR**
New & Used: 2023; 2022, 2021 75 Mo. 6.80%
New & Used: 2023; 2022, 2021,2020 66 Mo. 6.75%
2019 66 Mo. 6.75%
2018 60 Mo. 6.75%
2017 54 Mo. 6.75%
2016 42 Mo. 6.75%
2015 36 Mo. 6.75%
2014 36 Mo. 7.60%
2013 36 Mo. 7.60%
     


Example: For a $25,000 auto loan for a term of 60 months with a 6.75% APR, the monthly payment will be $520.


Recreational Vehicle Rates

YEAR MODEL TERM APR**
New & Used: 2023; 2022, 2021 75 Mo. 8.80%
New & Used: 2023; 2022, 2021, 2020 66 Mo. 8.75%
2019 66 Mo. 8.75%
2018 60 Mo. 8.75%
2017 54 Mo. 8.75%
2016 42 Mo. 8.75%
2015 36 Mo. 8.75%
2014 36 Mo. 9.60%
2013 36 Mo. 9.60%
     


Example: For a $20,000 recreational vehicle loan for a term of 60 months with a few 8.75% APR, the monthly payment will be $436.


Important Disclosures and Information

  • Tiered interest rates: Interest rates, Annual Percentage Yield (APY), and Annual Percentage Rate may change in value at the bank's discretion. Fees may reduce earnings. Rates are subject to change
  • ^^ 8-month CD– 5.00% Annual Percentage Yield rate for all money effective 10.19.23
  • Rates are accurate as of 03.18.24
  • A penalty for early withdrawal on Certificates of Deposit may be imposed.