Savings Rates

Share Savings/Certificates

Share Savings

Last Dividend Declaration Date: September 23, 2025

Share Savings
Dividend Rate APY** Min. Opening Deposit Min. Balance to Earn the Stated APY
0.10 0.10 $5.00 $5.00

Share Certificate

Minimum Opening Deposit: $1,000.00 - $500.00 age 25 and under

Effective Date: October 1, 2025

Share Certificate
Term Dividend Rate APY**
6-Month 3.75 3.82
1-Year 3.50 3.56
18-Month 3.25 3.30
2-Year 3.00 3.04
3-Year 2.10 2.12
5-Year 2.25 2.27

UTMA Savings

Last Dividend Declaration Date: September 23, 2025

UTMA Savings
Dividend Rate APY** Min. Opening Deposit Min. Balance to Earn the Stated APY
0.10 0.10 $25.00 $5.00

Teen Savings

Last Dividend Declaration Date: September 23, 2025

Teen Savings
Dividend Rate APY** Min. Opening Deposit Min. Balance to Earn the Stated APY
0.10 0.10 $5.00 $5.00

IRA Savings/Certificates

IRA Savings

Last Dividend Declaration Date: September 23, 2025

IRA Savings
Dividend Rate APY** Dividend Period Min. Opening Deposit Min. Balance to Avoid a Service Fee Min. Balance to Earn the Stated APY
0.30 0.30 Monthly (Calendar) $25.00 - $25.00

IRA Certificate

Minimum Opening Deposit: $250.00

Effective Date: October 1, 2025

IRA Certificate Account
Term Dividend Rate APY**
6-Month 3.80 3.87
1-Year 3.55 3.61
18-Month 3.30 3.35
2-Year 3.05 3.09
3-Year 2.15 2.17
5-Year 2.30 2.32

Payable-on-Death Savings

Last Dividend Declaration Date: September 23, 2025

Payable on Death Savings
Dividend Rate APY** Min. Opening Deposit Min. Balance to Earn the Stated APY
0.10 0.10 $5.00 $5.00

Christmas Club

Last Dividend Declaration Date: September 23, 2025

Christmas Club
Dividend Rate APY** Min. Opening Deposit Min. Balance to Avoid a Service Fee Min. Balance to Earn the Stated APY
0.10 0.10 $25.00 $25.00 $25.00

Money Market

Last Dividend Declaration Date: September 23, 2025

Money Market
Amount Dividend Rate/APY** Dividend Period Min. Opening Deposit Min. Balance to Avoid a Service Fee Min. Balance to Earn the Stated APY Balance Method to Calculate Dividends
$2,500.00 to $9,999.99 0.55/0.55 Monthly (Calendar) $2,500.00 $2,500.00 $2,500.00 Average Daily Balance
$10,000.00 to $24,999.99 0.60/0.60 Monthly (Calendar) $2,500.00 $2,500.00 $2,500.00 Average Daily Balance
$25,000.00 to $49,999.99 0.65/0.65 Monthly (Calendar) $2,500.00 $2,500.00 $2,500.00 Average Daily Balance
$50,000.00 to $99,999.99 0.75/0.75 Monthly (Calendar) $2,500.00 $2,500.00 $2,500.00 Average Daily Balance
$100,000.00 and above 0.85/0.85 Monthly (Calendar) $2,500.00 $2,500.00 $2,500.00 Average Daily Balance
 

Checking Rates

Last Declaration Date: September 23, 2025

Checking Rates
Account Type Dividend Rate APY** Min. Opening Deposit
Basic Checking 0.00 0.00 $50.00
Teen Checking 0.00 0.00 $50.00
Rewards Checking
Qualifications met (Balance ≤20,000.00)		 3.20 3.25 $50.00
Rewards Checking
Qualifications met (Balance ≥20,000.01)		 0.10 0.10 $50.00
Rewards Checking
Qualifications not met		 0.05 0.05 $50.00
Prime Checking 0.00 0.00 $50.00
Rising Checking 0.00 0.00 $25.00
 

Loan Rates

Last Declaration Date: June 24, 2025

Members, you may receive a 0.25% rate reduction off of your qualifying rate if you utilize two of the following three products/services:

  • E-Statements

  • Checking Account

  • Automatic Transfer for loan payments

Contact us to view our Certificate Disclosure

Signature Loans

Signature Loans
Terms APR* Limits Monthly Payment per $1,000 Borrowed
36 Months 11.75% - 18.00% Up to $25,000** $33.10 - $36.15
**Maximum personal loan amount is determined by credit score grade.

New and Used Vehicle Loans

New Auto Loans***

New Auto Loans
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 36 Months 7.75 - 12.50% $31.23 - $33.46
Up to 48 Months 7.75 - 12.75% $24.30 - $26.71
Up to 60 Months 7.75 - 13.00% Maximum term for loans up to $15,000 is 60 months $20.16 - $22.76
Up to 72 Months 8.25 - 13.25% Loan amount is $15,001 or greater $17.66 - $20.22
Up to 84 Months 8.25 - 13.50% Loan amount is $30,001 or greater $15.72 - $18.47

Used Auto Loans***

Used Auto Loans
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 24 Months 8.00 - 12.50% Maximum term for loans up to $5,000 is 24 months $45.24 - $47.32
Up to 36 Months 8.00 - 13.00% Maximum term for loans up to $7,000 is 36 months $31.34 - $33.70
Up to 48 Months 8.00 - 13.25% Loan amount is $7,001 or greater $24.42 - $26.96
Up to 60 Months 8.75 - 13.50% Loan amount is $14,001 or greater $20.65 - $23.02
Up to 72 Months 8.75 - 13.75% Loan amount is $25,001 or greater $17.91 - $20.48
*** CSE considers vehicles "new" when the vehicle is a current or previous year model and has under 40,000 miles on it. Vehicles that meet this requirement may be financed at the new auto rates. CSE considers vehicles "used" when a vehicle has over 40,000 miles on it. Vehicles will be financed at the used vehicle rate.

Boat & Motorcycle Loans

New Boat & Motor Loan

New Boat Motor & Trailer
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 60 Months 8.75% - 13.75% Maximum term for loans up to $20,000 is 60 months. $20.64 - $23.14
Up to 84 Months 9.00% - 14.00% Loan amount is $20,001 or greater $16.09 - $18.75
Up to 120 Months 9.25% - 14.25% Loan amount is $30,001 or greater $12.81 - $15.68

Used Boat & Motor Loans

Used Boat Motor & Trailer
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 48 Months 9.75% - 14.75% Maximum term for loans up to $10,000 is 48 months $25.25 - $27.71
Up to 60 Months 10.00% - 15.00% Loan amount is $10,001 or greater $21.25 - $23.79
Up to 72 Months 10.25% - 15.25% Loan amount is $20,001 or greater $18.66 - $21.29

New Motorcycle Loan

New Motorcycle
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 36 Months 9.50 - 14.00% Maximum term for loans up to $7,000 is 36 months $32.04 - $34.19
Up to 48 Months 9.50 - 14.50% Loan amount is $7,001 or greater $25.13 - $27.59
Up to 60 Months 9.50 - 14.75% Loan amount is $10,001 or greater $21.01 - $23.67
Up to 72 Months 10.25 - 11.25% Loan amount is $25,001 or greater $18.66 - $19.17

Used Motorcycle Loan

Used Motorcycle
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 36 Months 10.50 - 15.50% Maximum term for loans up to $7,000 is 36 months $32.51 - $34.92
Up to 48 Months 10.50 - 15.50% Loan amount is $7,001 or greater $25.61 - $28.10
Up to 60 Months 10.50 - 15.50% Loan amount is $15,001 or greater $21.50 - $24.06

Off-Road and RV Loans

New Off-Road Vehicles

New off Road Vehicles
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 36 Months 8.75 - 13.75% Maximum term for loans up to $5,000 is 36 months $31.69 - $34.07
Up to 48 Months 9.00 - 14.00% Loan amount is $5,001 or greater $24.89 - $27.34
Up to 60 Months 9.25 - 14.25% Loan amount is $10,001 or greater $20.89 - $23.41

Used Off-Road Vehicles

Used Off Road Vehicles
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 36 Months 9.75 - 14.75% Maximum term for loans up to $5,000 is 36 months $32.16 - $34.55
Up to 48 Months 10.00 - 15.00% Loan amount is $5,001 or greater $25.37 - $27.84
Up to 60 Months 10.25 - 15.25% Loan amount is $10,001 or greater $21.38 - $23.93

New RV loans

New RV
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 84 Months 10.25 - 15.25% Maximum term for loans up to $20,000 is 84 months $16.74 - $19.45
Up to 108 Months 10.75 - 15.75% Loan amount is $20,001 or greater $14.50 - $17.39
Up to 120 Months 11.25 - 16.25% Loan amount is $30,001 or greater $13.93 - $16.92
Up to 144 Months 11.75 - 12.75% Loan amount is $40,001 or greater $12.99 - $13.60

Used RV Loans

Used RV
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 84 Months 11.00 - 16.00% Maximum term for loans up to $30,000 is 84 months $17.13 - $19.87
Up to 108 Months 11.50 - 16.50 % Loan amount is $30,001 or greater $14.91 - $17.84
Up to 120 Months 12.00 - 17.00% Loan amount is $40,001 or greater $14.36 - $17.39
Up to 132 Months 12.50 - 13.50% Loan amount is $50,001 or greater $13.99 - $14.59

Garden & Lawn, Trailer & Tractor Loans

New Garden & Lawn Equipment

New Garden & Lawn Equipment
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 36 Months 8.75% - 13.75% Maximum term for loans up to $5,000 is 36 months $31.69 - $34.06
Up to 48 Months 9.00% - 14.00% Loan amount is over $5,000 $24.89 - $27.33
Up to 84 Months 9.25% - 14.25% Loan amount is over $10,000 $16.22 - $18.88

New Tractor

New Tractors
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 60 Months 8.75% - 13.75% Loan amount is over $10,000 $20.64 - $23.14
Up to 84 Months 9.00% - 14.00% Loan amount is over $15,000 $16.09 - $18.75
Up to 120 Months 9.25% - 14.25% Loan amount is over $25,000 $12.81 - $15.68

New Utility Trailers

New Utility Trailers
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 36 Months 8.75% - 13.75% Maximum term for loans up to $5,000 is 36 months $31.69 - $34.06
Up to 48 Months 9.00% - 14.00% Loan amount is over $5,000 $24.89 - $27.33
Up to 84 Months 9.25% - 14.25% Loan amount is over $10,000 $16.22 - $18.88

Used Utility Trailers

Used Utility Trailers
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 36 Months 9.75% - 14.75% Maximum term for loans up to $5,000 is 36 months $32.15 - $34.54
Up to 48 Months 10.00% - 15.00% Loan amount is over $5,000 $25.37 - $27.83
Up to 84 Months 10.25% - 15.25% Loan amount is over $10,000 $16.74 - $19.44

Household Appliances Loan

New Household Appliances
Terms APR* Limits Monthly Payment per $1,000 Borrowed
Up to 36 Months 11.75% - 18.00% - $33.10 - $36.15
 

Business Account Rates

Savings

Last Dividend Declaration Date: September 23, 2025

Business Savings
Dividend Rate Annual Percentage Yield** (APY) Minimum Opening Deposit Minimum Balance to Earn the Stated APY Account Limitations
0.10 0.10 $5.00 $5.00 Account transfer limitations apply

Checking

Last Dividend Declaration Date: September 23, 2025

Business Checking
Dividend Rate Annual Percentage Yield** (APY) Minimum Opening Deposit Account Limitations
0.00 0.00 $100.00 -