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Today’s Rates

CD & IRA Rates

Deposit at least $500 to open these accounts, unless otherwise indicated. You must maintain a minimum balance of $1 (unless otherwise noted) in the account each day to obtain the annual percentage yield. There may be penalties for early withdrawal.

Standard CD & IRA Rates

Account Rate
Sneakers CD* 0.55% APY
91 Day CD / IRA 0.30% APY
18 Month CD / IRA 0.55% APY
1 Year CD / IRA 0.55% APY
2 Year CD / IRA 0.65% APY
3 Year CD / IRA 0.75% APY
3 1/2 Year CD / IRA 0.80% APY
4 Year CD / IRA 1.11% APY
5 Year CD / IRA 1.31% APY
5.5 Year CD 1.41% APY
5.75 Year CD 1.46% APY
6 Month CD / IRA 0.40% APY

Special CD & IRA Rates

Account Rate
5 Month Savers CD* 0.30% APY
1 Year Variable Rate IRA* 0.30% APY
15 Month Opportunity CD / IRA 0.55% APY
30 Month Opportunity CD / IRA 0.70% APY
54 Month Opportunity CD / IRA 1.16% APY
The Nine Month No-Penalty CD 0.40% APY

Laddered CD & IRA Rates

Account Rate
Laddered CD / IRA - 1 Year Rung 0.60% APY
Laddered CD / IRA - 2 Year Rung 0.70% APY
Laddered CD / IRA - 3 Year Rung 0.80% APY
Laddered CD / IRA - 4 Year Rung 1.16% APY
Laddered CD / IRA - 5 Year Rung 1.36% APY

Rates effective: November 15, 2019.

* Indicates $100 minimum deposit required.

Savings Rates

Account Rate
Sneakers Savings 0.10% APY
Regular Savings Account 0.10% APY
Super Savings Account 0.12% APY

Checking Rates

Account Rate
Health Savings 0.05% APY
Packard Advantage Checking 0.12% APY

Personal Loans

Credit Cards

Card Rate
MasterCard Classic 11.25% APY
MasterCard Platinum Rewards 13.25% APY
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Auto Loans

Loan Max Term Rate APR**
NEW 36 months 4.390% 4.557%
NEW 48 months 4.540% 4.667%
NEW 60 months 4.690% 4.793%
NEW 72 months 4.890% 4.977%
2016-2018 36 months 4.640% 4.894%
2016-2018 48 months 4.790% 4.983%
2016-2018 60 months 4.940% 5.097%
2013-2015 36 months 5.290% 5.545%
2013-2015 48 months 5.500% 5.694%
2010-2012 24 months 7.000% 7.376%
2010-2012 36 months 7.250% 7.508%
Example of an auto loan payment: 36 monthly payments of $296.98 — based on a loan amount of $10,000 for a *new* car, at 4.39% interest rate, which equals $29.70 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available.

Boat Loans

Loan Max Term Rate APR***
$5,000 - $10,000 48 months 7.125% 7.322%
$10,001 - $25,000 60 months 6.250% 6.313%
$25,001 - $50,000 120 months 6.000% 6.017%
$50,001 - $100,000 120 months 5.750% 5.758%
Example of a boat loan payment: 120 monthly payments of $1097.69 — based on a loan amount of $100,000, at 5.75% interest rate, which equals $10.98 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available.

Personal Loans

Loan Max Term Rate APR**
Secured Fixed Rate 60 months 12.000% 12.168%
Example of a personal loan payment: 60 monthly payments of $222.44 — based on a loan amount of $10,000, at 12% interest rate, which equals $22.24 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available.

Deposit/Stock Loan

Loan Max Term Rate APR**
Savings Secured 120 months 3.100% 3.180%
CD Secured 120 months 4.750% 4.832%
Stock Secured - 1 yr or less 12 months 5.250% 5.962%
Stock Secured - >1 yr 120 months 6.250% 6.335%
BSTC Stock Secured - 1 yr or less 12 months 4.750% 5.461%
BSTC Stock Secured - >1 yr 120 months 5.250% 5.333%
Example of a deposit/stock secured loan payment: 120 monthly payments of $97.02 — based on a savings secured loan amount of $10,000, at 3.1% interest rate, which equals $9.71 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available.

Rates effective: November 15, 2019. Rates are subject to change at any time.

** Annual Percentage Rate (APR) is calculated using a $10,000 loan amount and includes an origination fee. Actual rates, fees and terms are based on those offered as of the date of application and are subject to change without notice. The actual interest rate and fees available to you will be based on your credit history and may be different from the rates shown here.

*** Annual Percentage Rate (APR) is calculated using the highest amount in each tier (10k, 25k, 50k, or 100k) and includes an origination fee. Actual rates, fees and terms are based on those offered as of the date of application and are subject to change without notice. The actual interest rate and fees available to you will be based on your credit history and may be different from the rates shown here.