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As a not-for-profit financial cooperative, we return profits to our members with great rates and low fees. 

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Shortcut to Loan Rates

Deposit Rates

Account Type

Dividend Rate

APY1

Account Type

VIP Checking2

Dividend Rate

0.05%

APY1

0.05%

Account Type

Rewards Checking3

Dividend Rate

0.00%

APY1

0.00%

Account Type

Premium Checking4

Dividend Rate

7.25%

APY1

7.50%
Open Checking Account Online
VIP Savings account Rates

Dividend Rate

APY5

Dividend Rate

0.05%

APY5

0.05%
Open VIP Savings
Health savings account (HSA) rates

Dividend Rate

APY6

Dividend Rate

0.30%

APY6

0.30%
IRA rates

Dividend Rate

APY7

Dividend Rate

0.05%

APY7

0.05%

Balance (Regular or IRA)

Dividend Rate

APY8

Balance (Regular or IRA)

$100,000 or more

Dividend Rate

3.11%

APY8

3.15%

Balance (Regular or IRA)

$75,000 - $99,999.99

Dividend Rate

2.96%

APY8

3.00%

Balance (Regular or IRA)

$50,000 - $74,999.99

Dividend Rate

2.86%

APY8

2.90%

Balance (Regular or IRA)

$2,500 - $49,999.99

Dividend Rate

0.10%

APY8

0.10%

Balance (Regular or IRA)

If account falls below $2,500

Dividend Rate

0.00%

APY8

0.00%
Open Signature Money Market

Balance (Regular or IRA)

Dividend Rate

APY9

Balance (Regular or IRA)

$10,000 or more

Dividend Rate

0.90%

APY9

0.90%

Balance (Regular or IRA)

Below $10,000

Dividend Rate

0.10%

APY9

0.10%
Open Index Plus Money Market

Balance (Regular or IRA)

Dividend Rate

APY10

Balance (Regular or IRA)

$2,400 or more

Dividend Rate

0.50%

APY10

0.50%

Balance (Regular or IRA)

Below $2,400

Dividend Rate

0.10%

APY10

0.10%
Open VIP Money Market

Maturity Date (Regular, Business or IRA)

Dividend Rate

APY11

Maturity Date (Regular, Business or IRA)

3 Months

Dividend Rate

0.50%

APY11

0.50%

Maturity Date (Regular, Business or IRA)

6 Months

Dividend Rate

1.00%

APY11

1.00%

Maturity Date (Regular, Business or IRA)

9 Months

Dividend Rate

1.49%

APY11

1.50%

Maturity Date (Regular, Business or IRA)

12 months

Dividend Rate

4.22%

APY11

4.30%

Maturity Date (Regular, Business or IRA)

18 months

Dividend Rate

3.69%

APY11

3.75%

Maturity Date (Regular, Business or IRA)

2 Years

Dividend Rate

3.69%

APY11

3.75%

Maturity Date (Regular, Business or IRA)

3 Years

Dividend Rate

3.83%

APY11

3.90%

Maturity Date (Regular, Business or IRA)

4 Years

Dividend Rate

3.83%

APY11

3.90%

Maturity Date (Regular, Business or IRA)

5 Years

Dividend Rate

3.83%

APY11

3.90%
Open Certificate Account

Business Account Rates

Product

Dividend Rate12

APY13

Product

Free Business Checking Plus Dividends

Dividend Rate12

0.05%

APY13

0.05%

Product

Business 250 Checking Plus Dividends

Dividend Rate12

0.05%

APY13

0.05%

Product

Business 600 Checking Plus Dividends

Dividend Rate12

0.05%

APY13

0.05%

Product

Free Community Checking Plus Dividends

Dividend Rate12

0.05%

APY13

0.05%
Business Savings Account Rate

Dividend Rate

APY1

Dividend Rate

0.05%

APY1

0.05%
Signature Business Money market Rates

Account Balance

Dividend Rate14

APY15

Account Balance

<$2,500

Dividend Rate14

0.00%

APY15

0.00%

Account Balance

$2,500 - $9,999

Dividend Rate14

0.40%

APY15

0.40%

Account Balance

$10,000 - $24,999

Dividend Rate14

0.40%

APY15

0.40%

Account Balance

$25,000 - $49,999

Dividend Rate14

0.40%

APY15

0.40%

Account Balance

$50,000 - $99,999

Dividend Rate14

1.98%

APY15

2.00%

Account Balance

$100,000 - $249,999

Dividend Rate14

2.47%

APY15

2.50%

Account Balance

$250,000 - $10 MM

Dividend Rate14

2.96%

APY15

3.00%

Loan Rates

Home Loan Rates

Model Year

Term

APR16

Pmt/$1,00017

Model Year

2024 & 2023

Term

Up to 36

APR16

5.34%

Pmt/$1,00017

$31.05

Model Year

2024 & 2023

Term

48 Months

APR16

5.59%

Pmt/$1,00017

$24.24

Model Year

2024 & 2023

Term

63 Months

APR16

5.84%

Pmt/$1,00017

$19.44

Model Year

2024 & 2023

Term

75 Months

APR16

6.54%

Pmt/$1,00017

$17.28

Model Year

2024 & 2023

Term

84 Months

APR16

7.44%

Pmt/$1,00017

$16.34

Model Year

2022

Term

36 Months

APR16

5.39%

Pmt/$1,00017

$31.08

Model Year

2022

Term

48 Months

APR16

5.64%

Pmt/$1,00017

$24.27

Model Year

2022

Term

63 Months

APR16

5.89%

Pmt/$1,00017

$19.46

Model Year

2022

Term

75 Months

APR16

6.59%

Pmt/$1,00017

$17.30

Model Year

2022

Term

84 Months

APR16

7.49%

Pmt/$1,00017

$16.36

Model Year

2021

Term

36 Months

APR16

5.64%

Pmt/$1,00017

$31.19

Model Year

2021

Term

48 Months

APR16

5.89%

Pmt/$1,00017

$24.38

Model Year

2021

Term

63 Months

APR16

6.19%

Pmt/$1,00017

$19.61

Model Year

2021

Term

75 Months

APR16

6.89%

Pmt/$1,00017

$17.45

Model Year

2021

Term

84 Months

APR16

7.79%

Pmt/$1,00017

$16.52

Model Year

2020

Term

36 Months

APR16

5.64%

Pmt/$1,00017

$31.19

Model Year

2020

Term

48 Months

APR16

5.94%

Pmt/$1,00017

$24.41

Model Year

2020

Term

63 Months

APR16

6.24%

Pmt/$1,00017

$19.63

Model Year

2020

Term

75 Months

APR16

6.89%

Pmt/$1,00017

$17.45

Model Year

2019

Term

36 Months

APR16

5.64%

Pmt/$1,00017

$31.19

Model Year

2019

Term

48 Months

APR16

6.04%

Pmt/$1,00017

$24.45

Model Year

2019

Term

63 Months

APR16

6.34%

Pmt/$1,00017

$19.68

Model Year

2018 & 2017

Term

36 Months

APR16

6.54%

Pmt/$1,00017

$31.61

Model Year

2018 & 2017

Term

48 Months

APR16

6.74%

Pmt/$1,00017

$24.78

Model Year

2016 and older

Term

36 Months

APR16

6.74%

Pmt/$1,00017

$31.70

Model Year

2016 and older

Term

48 Months

APR16

7.24%

Pmt/$1,00017

$25.02
Apply for Auto Loan

Model Year

Term

APR16

Pmt/$1,00017

Model Year

2024 -2023

Term

Up to 63 months

APR16

8.44%

Pmt/$1,00017

$20.72

Model Year

2024 -2023

Term

72 (≥$10,000 MSRP)

APR16

8.74%

Pmt/$1,00017

$18.93

Model Year

2022 & Older

Term

Up to 63 months

APR16

8.74%

Pmt/$1,00017

$20.87

Model Year

2022 & Older

Term

72 (≥$10,000 MSRP)

APR16

9.04%

Pmt/$1,00017

$19.09
Powersport Loan Application

Term

Loan Amount

APR16

Pmt/$1,00017

Term

Up to 63 months

Loan Amount

APR16

7.60%

Pmt/$1,00017

$20.30

Term

84

Loan Amount

(≥$10,000)

APR16

8.80%

Pmt/$1,00017

$17.05

Term

120

Loan Amount

(≥$20,000)

APR16

9.80%

Pmt/$1,00017

$14.27

Term

180

Loan Amount

(≥$20,000)

APR16

9.85%

Pmt/$1,00017

$10.66
Boat Loan Application

Term

Loan Amount

APR16

Pmt/$1,00017

Term

Up to 84 months

Loan Amount

(≥$10,000)

APR16

9.70%

Pmt/$1,00017

$17.52

Term

120

Loan Amount

(≥$20,000)

APR16

10.70%

Pmt/$1,00017

$14.79

Term

180

Loan Amount

(≥$20,000)

APR16

12.30%

Pmt/$1,00017

$12.20
Apply for RV Loan

Term

APR16

Pmt/$1,00017

Term

Up to 60 months

APR16

11.75%

Pmt/$1,00017

$23.17
Apply for Personal Loan

Home Loan Rates

Term

APR18

Pmt/$1,000

Term

Up to 60 months

APR18

7.34%

Pmt/$1,000

$19.97

Term

84

APR18

7.89%

Pmt/$1,000

$15.54

Term

120

APR18

8.34%

Pmt/$1,000

$12.32

Term

180

APR18

8.69%

Pmt/$1,000

$9.96

Term

240

APR18

9.80%

Pmt/$1,000

$9.52
Home Equity Loan Application

Current Rate

Current Rate

6.75% APR
HELOC Application

Type

Rate

APR

Points

Pmt/$1000

Type

8 Year

Rate

6.25%

APR

6.25%

Points

0.00%

Pmt/$1000

$13.27

Type

10 Year

Rate

6.35%

APR

6.35%

Points

0.00%

Pmt/$1000

$11.28

Type

12 Year

Rate

6.45%

APR

6.45%

Points

0.00%

Pmt/$1000

$10.00
Apply for Mortgage Refi
Fixed Rate Mortgage Rates

Term

Rate

APR

Points

Pmt19

Term

30 Year

Rate

6.875%

APR

6.978%

Points

0.00%

Pmt19

$6.57

Term

20 Year

Rate

6.500%

APR

6.631%

Points

0.00%

Pmt19

$7.46

Term

15 Year

Rate

6.250%

APR

6.411%

Points

0.00%

Pmt19

$8.57

Term

10 Year

Rate

6.125%

APR

6.351%

Points

0.00%

Pmt19

$11.17
Fixed Mortgage Loan Application

Type

Rate

APR

Points

Pmt19

Type

3 Year ARM

Rate

6.125%

APR

6.870%

Points

0.00%

Pmt19

$6.08

Type

5 Year ARM

Rate

6.500%

APR

6.899%

Points

0.00%

Pmt19

$6.32

Type

7 Year ARM

Rate

6.875%

APR

7.038%

Points

0.00%

Pmt19

$6.57
ARM Application

Type

Rate

APR

Points

Pmt19

Type

5 Year ARM - 95% Cash Out Refi

Rate

6.500%

APR

6.899%

Points

0.00%

Pmt19

$6.32

Type

Rate20

APR

Points

Pmt21

Type

3 Year ARM

Rate20

6.125%

APR

6.906%

Points

0.00%

Pmt21

$6.13

Type

5 Year ARM

Rate20

6.500%

APR

6.934%

Points

0.00%

Pmt21

$6.37
Apply for Construction Loan

Type

Rate

APR

Points

Pmt21

Type

3 Year ARM

Rate

7.250%

APR

7.173%

Points

0.00%

Pmt21

$6.82
Contact a Mortgage Loan Officer
[1]
APY is Annual Percentage Yield
[2]
Interest is paid in the form of dividends. APY is variable and subject to change. APY is accurate as of 11/7/2024. Dividends are paid on the entire daily balance whenever it is $2,500 or more. Minimum deposit required to open a checking account is $35. Fees may reduce earnings.
[3]
Earn 1 point for every $2 in signature-based debit card purchases. Points will be earned based on your qualifying net purchases (purchases minus returns and/or other related credits). You do not earn points for unauthorized or fraudulent charges or for fees of any kind on your card account. Minimum deposit required to open a checking account is $35.
[4]
Premium Checking base rate is 0% APY. Premium Checking Accounts with eDocuments (valid email address required) and direct deposit earn 7.50% APY on balances up to $500. APY may range from 7.50% - .06% on balances over $500. Direct deposit is defined as a minimum of $250 per month in regular periodic deposits from an employer, payroll provider, gig economy payer (e.g. Door Dash, Uber, Postmates), pension or government benefits provider deposited into your Premium Checking Account via the ACH system. Transfers from other Landmark accounts, ACH transfers from other financial institutions, peer-to-peer payments (e.g. Venmo, PayPal), merchant transactions (e.g. Stripe, Square), and mobile check deposits do not qualify as a direct deposits. One Premium Checking Account per member. Fees may reduce earnings.  
[5]
APY is Annual Percentage Yield. APY is variable and subject to change. APY is accurate as of 11/7/2024.
[6]
APY is variable and subject to change. This account is subject to IRS rules governing HSAs. IRS penalties may apply to certain withdrawals. Fees may reduce earnings.
[7]
APY is variable and subject to change.  APY is accurate as of 11/7/2024.  $5.00 minimum opening deposit required.
[8]
Rates are variable and subject to change.  Some tiers may earn the same APY.  APY is subject to change based on balance tier. APY is accurate as of 11/7/2024.  Dividends calculated by applying the highest rate based on the balance tier to the entire account balance. Minimum opening deposit of $2,500 required.  Fees imposed on accounts will reduce actual earnings.
[9]
Rates are variable and subject to change.  APY is accurate as of 11/7/2024.  $10,000 minimum daily balance required to obtain the disclosed APY.  Fees imposed on accounts will reduce actual earnings.  Minimum opening deposit of $10,000 required.  Fees imposed on accounts will reduce actual earnings.
[10]
Rates are variable and subject to change.  APY is accurate as of 11/7/2024.  $2,400 minimum daily balance required to obtain the disclosed APY.  Fees imposed on accounts will reduce actual earnings.  Minimum opening deposit of $2,400 required.  Fees imposed on accounts will reduce actual earnings.
[11]
APY is Annual Percentage Yield. Rates and terms subject to change without notice. Rates effective as of 11/7/2024. Personal accounts only. There is a penalty for early certificate withdrawal. Fees imposed on accounts will reduce actual earnings. Minimum balance to open certificate is $500. Financial institutions and public funds are ineligible.
[12]
Dividends will be compounded monthly and credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate each day the account balance is at $2,500 or more. ECR is calculated by applying the rate to the average collected balance.
[13]
Rates and terms subject to change without notice. Fees could reduce earnings
[14]
Signature Business Money Market has the following balance tiers and corresponding rates: $2,500-$9,999.99 (0.40% APY); $10,000-$24,999.99 (0.40% APY); $25,000-$49,999.99 (0.40% APY); $50,000-$99,999.99 (2.00% APY); $100,000-$249,999.99 (2.50% APY); $250,000-$10MM (3.00% APY). Rates are variable and effective as of 11/7/2024. Some tiers may earn the same APY; APY is subject to change based on balance tier. Dividends calculated by applying the highest rate based on the balance tier to the entire account balance. Minimum balance to open the Signature Business Money Market is $2,500. If balance falls below the minimum, the account will be assessed a monthly minimum balance fee and will earn no interest until the minimum balance requirement is met. Fees may reduce earnings on account.
[15]
APY is Annual Percentage Yield. Rates and terms subject to change without notice. Rates effective as of 11/7/2024. Personal accounts only. There is a penalty for early certificate withdrawal. Fees imposed on accounts will reduce actual earnings. A penalty may be imposed for early withdrawal. Minimum balance to open certificate is $500. Financial institutions and public funds are ineligible
[16]
Rates shown are available based on loan term, creditworthiness and collateral condition. Rate availability is subject to change and credit approval. Other rates and terms are available. Vehicle insurance is required. Excludes Landmark refinances.
[17]
Payments on loans with terms up to 120 months include optional single Debt Protection coverage. Optional joint Debt Protection coverage is also available at an additional cost. We will give you additional information before you are required to pay for the Debt Protection coverage. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving this coverage.
[18]
Fixed rates shown are available for owner-occupied primary residences with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Additional rates and terms are available. Applicants with credit scores under 680 may still be eligible for a fixed rate loan with LTV to up to 80%. Minimum loan amounts apply. Consumer loan rates based upon qualified credit. Loans and rates are subject to credit approval. All rates and terms are subject to change without notice. Excludes Landmark refinances. To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, 60-month 7.34% loan for $150,000 would be: 150 X $19.97= $2,995.50 per month. Actual payments will be higher with taxes, property insurance and, if applicable, private mortgage insurance.
[19]
To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, 30 year 6.875% loan for $150,000 would be: 150 X $6.57= $985.50 per month. Actual payments will be higher with taxes, property insurance and, if applicable, private mortgage insurance.
[20]
Rate is variable. Down payment as low as 10%. Interest-only payments available during construction period (9-12 months); after, the loan will be amortized over 351 months (9-month construction period) or 348 months (12-month construction period). Rate adjustment could occur after the initial term (1, 3, 5, or 7 years) and annually thereafter based on 1-year CMT rate; loan rate is calculated by adding a margin of 2.75%. Rate will not increase more than 2% in any given year and more than 6% total over the loan term. No conversion option. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. Application Fee of $655 is required. Available on single family, detached homes, owner-occupied upon completion. Additional restrictions may apply. Rates and terms are subject to change at any time and without notice. 
[21]
To calculate monthly payment for all Home Loans, multiply the payment amount shown by the mortgage amount in thousands. For example, 5-year 6.500% loan for $150,000 would be: 150 X $6.37= $955.50 per month. Actual payments will be higher with taxes and insurance. Rates and terms are subject to change at any time and without notice.