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Rates
Loan Rates
Deposit Rates
Mortgage Rates

Loan Rates

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New & Used Vehicles1
Effective Date: November 14, 2024
TermsAPR Range*Est. Payment/ $1,000 borrowed

New & Used Autos

36 Months 4.49% -23.49% $29.80 - $39.35
48 to 60 Months 5.99% - 23.74% $19.38 - $28.90
72 Months 6.49% - 23.74% $16.86 - $26.43
84 Months** 6.99% - 8.49% $15.14 - $15.89

New & Used RV 2020 - 2025 (Up to 80% Financing)

Up to 120 Months
(Dependent on amount financed)
10.74% - 17.74% $13.64 - $18.03

New Motorcycle 2023 - 2025 (Up to 80% financing)

Up to 72 Months
(Dependent on amount financed)
9.99% - 12.74% $13.64- $18.03

Used Motorcycle 2020 - 2025 (Up to 80% financing)

Up to 72 Months
(Dependent on amount financed)
10.24% - 13.24% $18.66 - $20.35

Smart Start Auto Loan
Effective Date: November 14, 2024
TermsAPR RangeEst. Payment/$1,000 borrowed1

Smart Start New & Used Auto

Up to 60 Months
(Dependent on amount financed)
11.49% $22.10
72 Months
(Dependent on amount financed)
11.99% $22.36

Visa® Credit Card2
Effective Date: November 14, 2024
Variable APR Range*Estimated Payment
14.74% - 29.74% 3% of Balance
($25 Minimum)

Share-Secured VISA® Credit Card2
Effective Date: November 14, 2024
APR*Estimated Payment
22.74% 3% of Balance
($25 Minimum)

Unsecured Loans
Effective Date: November 14, 2024
TypeAPR Range*Est. Payment/ $1,000 borrowed
Line of Credit or
Overdraft Protection
14.99% - 23.99% 2% of Balance
($35 Minimum)
Signature Loan
(Up to 60 mo.)
12.99% - 22.99% $22.87 - $28.45

Home Equity Line of Credit3
Effective Date: November 14, 2024
ProgramAPR Range*TermEst. Payment/$1,000 borrowed
Variable rate based on prime rate plus margin - Primary Residence
70% CLTV - Up to $500K 8.50% - 10.00% 240 Months $8.71 - $9.70
80% CLTV - Up to $250K 9.00% - 10.50% 240 Months $9.04 - $10.03

Home Equity Loan4
Effective Date: November 14, 2024
ProgramAPR Range*TermEst. Payment/$1,000 borrowed
Fixed Rate - Primary Residence
70% CLTV - Up to $500K 6.75% - 8.25% Up to 120 Months $11.52 - $12.31
70% CLTV - Up to $500K 7.50% - 9.00% Up to 240 Months $8.09 - $9.04
80% CLTV - Up to $250K 7.25% - 8.75% Up to 120 Months $11.78 - $12.59
80% CLTV - Up to $250K 8.00% - 9.50% Up to 240 Months $8.40 - $9.37

Hometown Hero Loan5
Effective Date: November 14, 2024
NameAPR Range*Est. Payment/$1,000 borrowed*
Hometown Hero Loan 5.00% $30.04

Important Terms and Conditions

*All rates and terms are subject to change without notice. Rates listed are APR=Annual Percentage Rates and our current lowest rates based on approved credit. Borrower’s actual rate may be different based on terms and conditions, credit history and ability to repay.
** Available for tier 1 and tier 2 credit.

1 Auto Loans
All auto loan rates include all available discounts including .25% discount for automatic transfer from an Arrowhead account. Some restrictions apply. A New Auto is a vehicle ranging from 2023-2025 (less than 5,000 miles), with financing of up to 100% Kelley Blue Book available. A Used Auto is a vehicle ranging from 2018-2025 (max mileage 150,000), financing up to 120% Kelley Blue Book available. Loan subject to credit approval. Not all members will qualify. Some financing exceptions made for vehicles not listed in current Kelley Blue Book. Current Arrowhead loans are not eligible for refinancing under these rates and terms. Depending on the loan-to-value, no down payment required. No other promotional discounts apply. Payment example: a 60 month loan at 5.99% APR would have monthly payments of  $19.38 per $1,000 borrowed.

2 Credit Card
APR=Annual Percentage Rate. Best rate is for top tier credit. Subject to approval. Rates may change at any time without notice. APR will vary with the market based on the Prime Index. Click here for Terms & Conditions.

3 Home Equity Line of Credit
Home equity lines of credit require an appraisal. Terms and rate contingent upon home’s appraised value. We will loan up to 80% combined loan to value (CLTV). No down payment required. Equity determined by the amount your home is worth minus the amount owed on the property. Example: home worth $100,000 multiply by 80% loan to value equals $80,000 minus $40,000 owed, equals $40,000 equity available. You can borrow up to 80% of homes value less what you owe. Property insurance is required. The Home Equity Line of Credit is an open-ended credit line with a variable rate based on the Wall Street Journal (WSJ) prime rate plus a margin based on credit qualifications or based on your creditworthiness. Minimum rate of 8.50% and annual fee of $60. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Up to 20 year terms. Max rate of 18%.

4 Home Equity Loan
Home equity loans require an appraisal. Terms and rate contingent upon home’s appraised value. We will loan up to 80% loan to value (CLTV). No down payment required. Equity determined by the amount your home is worth minus the amount owed on the property. Example: home worth $100,000 multiply by 80% loan to value equals $80,000 minus $40,000 owed, equals $40,0000 equity available. Property insurance is required. The Home Equity Loan is a fixed rate and closed-end term with no annual fee. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Up to 20 year terms for home equity loans.

5 Hometown Hero Loan
Must be a Hometown Hero. This non-credit-qualifying loan of $500 to $3,000 requires minimum $35 automatic payment from an Arrowhead account.  Maximum term is 36 months at 5% APR. Estimated monthly payment is $30.04 per $1,000 borrowed. Current Hometown Heroes loans may not be refinanced. Rates and terms are subject to change without notice.

Lowest payment factor based on lowest rate and highest payment factor based on highest rate.

Deposit Rates

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Share Certificates
Effective Date: November 14, 2024
TermAPY*Minimum Deposit
4 Month Promo1 4.75% $10,000
5 Month Promo1 4.00% $1,000
6 Month 0.25% $1,000 - $99,999
6 Month 0.30% $100,000
Special 12 Month1 3.50% $1,000
12 Month 0.30% $1,000 - $99,999
12 Month 0.35% $100,000
24 Month 0.45% $1,000 - $99,999
24 Month 0.50% $100,000
36 Month 0.60% $1,000 - $99,999
36 Month 0.65% $100,000
48 Month 0.95% $1,000 - $99,999
48 Month 1.00% $100,000
60 Month 1.30% $1,000 - $99,999
60 Month 1.35% $100,000

IRA Certificates
Effective Date: November 14, 2024
TermAPY*Minimum Deposit
12 Months .35% $1,000 - $99,999
12 Months .40% $100,000
24 Months .50% $1,000 - $99,999
24 Months .55% $100,000
36 Months .65% $1,000 - $99,999
36 Months .70% $100,000
48 Months 1.00% $1,000 - $99,999
48 Months 1.05% $100,000
60 Months 1.35% $1,000 - $99,999
60 Months 1.40% $100,000

Arrowhead Savings
Effective Date: November 14, 2024
Minimum to open is $25.
Dividend paid when average daily balance for the month is:
Avg. Daily BalAPY*
$0.01 - $99.99 0.00%
$100 - $999.99 0.05%
$1,000 - $1,999.99 0.05%
$2,000 - $4,999.99 0.10%
$5,000 and above 0.15%

Consumer Dividend Checking
Effective Date: November 14, 2024
Minimum to open is $100.
Dividend paid when average daily balance for the month is:
Avg. Daily BalAPY*
$0.00 - $2,499.99 0.00%
$2,500 - $24,999.99 0.03%
$25,000 and above 0.08%

Money Market
Effective Date: November 14, 2024
Minimum to open is $2,500.
Dividend paid when average daily balance for the month is:
Avg. Daily BalAPY*
$0.01 - $24,999.99 0.35%
$25,000 - $49,999.99 0.50%
$50,000 - $99,999.99 0.60%
$100,000 - $249,999.99 0.75%
$250,000 - $499,999.99 1.00%
$500,000 and above 1.10%

Special Savings
Effective Date: November 14, 2024
Avg. Daily BalAPY1
$0.01 and above 0.05%

Holiday Club
Effective Date: November 14, 2024
Avg. Daily BalAPY1
$0.01 and above 0.05%

Club Rocky Savings
Effective Date: November 14, 2024
Minimum to open is $25.
Dividend paid when average daily balance for the month is:
Avg. Daily BalAPY*
$0.01 - $99.99 0.00%
$100 - $999.99 0.05%
$1,000 - $1,999.99 0.05%
$2,000 - $4,999.99 0.10%
$5,000 and above 0.15%

IRA (Traditional or Roth)
Effective Date: November 14, 2024
Dividend paid when average daily balance for the month is:
Avg. Daily BalAPY*
$100 and above 0.35%

Retirement Builder
Effective Date: Thursday, November 14th, 2024
$10 minimum balance to maintain.
Product no longer available for new accounts.
Avg. Daily BalAPY*
$10 - $1,500 0.25%

*APY=Annual Percentage Yields. Share Certificates and IRA Certificates subject to minimum deposits based on term and rate, and subject to early withdrawal penalties which may reduce earnings. Programs and rates are subject to change daily without notice. Terms and conditions available at a branch. IRA Certificates not available for business accounts.
1Offer valid for limited time and subject to change at any time. Minimum deposit for 4 Month Promo Share Certificate is $10,000. Minimum deposit for 5 Month Promo Share Certificate is $1,000. Minimum deposit for Special 12 Month Share Certificate is $1,000. Early withdrawal penalties and other restrictions may apply.

Mortgage Rates

We have teamed up with Primary Partners Financial to give you, as a member, the best service possible when it comes to buying or refinancing your home. As one of the best mortgage providers in our market, PPF can offer you competitive rates and superior home loan programs.

PPF’s mortgage consultants can help with:

  • Purchasing a home
  • Refinancing an existing mortgage
  • Cash out transactions

View Rates

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