Current Rates

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Current Rates

Our rates are posted as a convenience to you when making financial decisions. Realize rates are subject to change, when in doubt please Contact Us for more information.

Certificate Of Deposit / IRA Specials

CD Term

Rate

APY*

Opening Balance

9 Month

4.14%

4.20%

$500

12 Month

3.94%

4.00%

$500

24-60 Month

3.75%

3.80%

$500

^{*APY – Annual Percentage Yield. Annual percentage yields subject to change without notice. Penalty for early withdrawal.}

Certificate of Deposit / IRA Rates

CD Term

Rate

APY*

Opening Balance

7-31 Day Fixed Rate

.90%

.90%

$20,000

32 - 90 Day Fixed Rate

.90%

.90%

$10,000

91- 181 Day Fixed Rate

.90%

.90%

$500

182 - 364 Day Fixed Rate

1.10%

1.11%

$500

12 - 23 Month Fixed Rate

1.50%

1.51%

$500

24- 35 Month Fixed Rate

1.65%

1.66%

$500

36 - 47 Month Fixed Rate

1.65%

1.66%

$500

48 - 59 Month Fixed Rate

1.65%

1.66%

$500

60 Month or More Fixed Rate

1.75%

1.76%

$500

^{*APY – Annual Percentage Yield. Annual percentage yields subject to change without notice. Penalty for early withdrawal.}

Deposit Account Rates

Savings Account

Rate

APY*

Minimum Balance

Basic Savings

.35%

.35%

$200

Target

.35%

.35%

N/A

Christmas Club $0-$5,000

5.00%

5.00%

N/A

Christmas Club $5,000.01 +

.35%

.35%

N/A

Moola Moola Savings Account

.35%

.35%

N/A

Pinnacle Savings **

Tiered

Tiered

$25,000

Prosperity Savings **

Tiered

Tiered

$25,000

^{* APY- Annual Percentage Yield
*** This is a variable interest rate account and rate may change after account opening. Fees may reduce earnings on the account.}

Pinnacle Savings Tiers

Account Balance

Rate

APY*

$0.01-$249,999

.55%

.55%

$250,000-$499,999

.57%

.57%

$500,000-$749,999

.60%

.60%

$750,000-$999,999

.65%

.65%

$1,000,000

.75%

.75%

^{*APY – Annual Percentage Yield. Annual percentage yields subject to change without notice.}

Prosperity Account Tiers

Account Balance

Rate

APY*

$0.01-$2,500

.45%

.45%

$2,501-$5,000

.55%

.55%

$5,001-$10,000

.57%

.57%

$10,001-$15,000

.60%

.60%

$15,001-$20,000

.65%

.65%

$20,001+

.75%

.75%

^{*APY – Annual Percentage Yield. Annual percentage yields subject to change without notice.}

Kasasa Saver Account Rates

Balance Tier

Rate

APY*

$0-$100,000

1.50%

1.51%

$100,000 and Above

0.75%

1.51%-1.13%

^{*APY – Annual Percentage Yield.} 
If qualifications are not met for the current Monthly Qualification Cycle, then the interest rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%.

Kasasa Cash Account Rates

The interest rate is variable and depends on the applicable tier below and will be paid when the qualifications aremet for the current Monthly Qualification Cycle.Interest rates are accurate as of 5/1/2018.

Balance Tier

Rate

APY*

$0-$50,000

2.00%

2.02%

$50,000.01 and Above

0.75%

2.02%-1.17%

^{*APY – Annual Percentage Yield.} 
If qualifications are not met for the current Monthly Qualification Cycle, then the interest rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%.

Auto Loan Rates Specials - New Car Financing Only

year

Credit Score

Max Term

Rate

APR*

2024/2023

720-Above

72 mos.

7.99%

8.177%

2024/2023

720-Above

60 mos.

7.74%

7.959%

^{* Annual Percentage Rate (APR) calculation based on $10,000 (new or used) loan amount. Rate discount requires auto deduction of loan payment from State Bank account and direct deposit into a State Bank account. View Additional Disclosures}

Auto Loan Rates

year

Credit Score

Max Term

Rate

APR*

2024

720-Above
680-719
640-679

60 mos.

8.24%
8.49%
8.74%

8.459%
8.710%
8.962%

2023

720-Above
680-719
640-679

60 mos.

8.24%
8.49%
8.74%

8.459%
8.710%
8.962%

2022

720-Above
680-719
640-679

54 mos.

8.74%
8.99%
9.24%

8.983%
9.234%
9.485%

2021

720-Above
680-719
640-679

48 mos.

8.74%
8.99%
9.24%

9.010%
9.261%
9.512%

2020

720-Above
680-719
640-679

36 mos.

9.24%
9.49%
9.99%

9.594%
9.844%
10.346%

2019

720-Above
680-719
640-679

36 mos.

9.24%
9.49%
9.99%

9.594%
9.844%
10.346%

2018

720-Above
680-719
640-679

36 mos.

9.24%
9.49%
9.99%

9.594%
9.844%
10.346%

2017-2014

720-Above
680-719
640-679

36 mos.

9.24%
9.49%
9.99%

9.594%
9.844%
10.346%

^{* Annual Percentage Rate (APR) calculation based on $10,000 (new or used) loan amount. Rate discount requires auto deduction of loan payment from State Bank account and direct deposit into a State Bank account. View Additional Disclosures}

Rates effective as of 11/1/2024. Rates subject to change at any time.