Loan & Savings Rates
Rates effective as of January 27, 2026. Rates are subject to change without notice. Rate is determined by creditworthiness.
Loan Rates
| Loan Type | Loan Information |
|---|---|
| New Auto Loans (100% Purchase Price)** New Auto 2025-2026 or newer with less than 15,000 miles |
Interest rate as low as 4.74% APR* |
| Used Auto Loans (100% Purchase Price)** Used Auto 2023 or older with more than 15,000 miles |
Interest rate as low as 4.99% APR* |
| RV Loans (100% Purchase Price)** | Interest rate as low as 6.25% APR* |
| Signature Loans | Interest rate as low as 8.74% APR* |
| Fully Share Collateralized Loans | 3.25% above share dividend rate |
| VISA® Classic Card:
No annual fee; No late charge fee; No cash advance fee; Min. payment: $18 or 5%; Returned payment fee:$10; Foreign Tran fee: 1% |
Annual Percentage Rate for Purchases: 13.50%
Annual Percentage Rate for Balance Transfer: 13.50% Annual Percentage Rate for Cash Advances: 13.50% |
| New Boat Loans (100% Purchase Price)** | Interest rate as low as 6.25% APR* |
| Pre-Owned Boat Loans (100% Purchase Price)** | Interest rate as low as 6.50% APR* |
| New Motorcycle Loans (100% Purchase Price)** | Interest rate as low as 6.25% APR* |
| Pre-Owned Motorcycle Loans (100% Purchase Price)** | Interest rate as low as 7.00% APR* |
| Home Equity Loans and Mortgages | For more information please visit our mortgage page. |
Available Discounts
0.25% discount for electronic loan payments
0.25% discount with current Alcon EFCU checking account with direct deposit for six months
0.25% discount with new VISA® credit card approval
*Discounts are already applied to the above loan rates.
*APR= Annual Percentage Rate.
**See credit union for full details. Restrictions apply. The rate you qualify to receive may vary depending on individual credit history and underwriting factors. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.
Deposit Rates
Annual Percentage Yield is accurate as of January 1, 2025. Rates and other terms may change at any time without prior notice. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
| Account | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| Shares | 0.20% | 0.20% |
| Share Draft Checking | 0.05% | 0.05% |
| High Yield Savings | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| Account (Minimum: $5,000) | 2.25% | 2.25% |
Share Certificate Rates
Annual Percentage Yield is accurate as of September 18, 2025. Rates and other terms may change at any time without prior notice. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. The CD will not renew automatically at the end of the term. Interest is compounded monthly and credited monthly.
| Term | Interest | Annual Percentage Yield |
|---|---|---|
| 6 months ($500 - $4,999.99) | 3.6% | 3.665% |
| 6 months ($5,000 - $49,999.99) | 3.6% | 3.665% |
| 1 year ($5,000 - $49,999.99) | 3.55% | 3.614% |
| Mini Jumbo Term | Interest | Annual Percentage Yield |
|---|---|---|
| 6 months ($50,000 - $94,999.99) | 3.7% | 3.769% |
| 1 year ($50,000 - $94,999.99) | 3.6% | 3.665% |
| Jumbo Term | Interest | Annual Percentage Yield |
|---|---|---|
| 6 months ($95,000 - $249,999.99) | 3.74% | 3.811% |
| 1 year ($95,000 - $249,999.99)) | 3.65% | 3.717% |
| Certificate Special | Interest | Annual Percentage Yield |
|---|---|---|
| 6 month special ($500+) | 3.6% | 3.665% |