Consumer Rates
Autos*
Rates Effective:
08/22/2025
| Up to 48 months | 66 months | 72 months * | 84 months ** | |
|---|---|---|---|---|
| 750+ | 5.99% | 6.24% | 6.49% | 6.74% |
| 700-749 | 6.49% | 6.74% | 6.99% | 7.24% |
| 650-699 | 7.24% | 7.49% | 7.74% | 7.99% |
| 610-649 | 8.74% | 8.99% | 9.24% | 9.49% |
| < 610 | 10.24% | 10.49% | 10.74% |
* Minimum Loan Amount: $5,000. Maximum Loan Amounts: New $70,000; Used $50,000. These APRs assume purchase of an auto under 5 calendar years. Your final APR may be higher depending upon the auto being financed. 72 month term is only available on financing of $15,000 or more. **84 month term is only available on financing of $20,000 or more.
Payment example: Loan amount of $12,000 at 5.99% APR for 48 months would have monthly payments of $281.73.
BayBusiness Plus Checking
Rates Effective:
10/01/2025
| Rate | APY* | |
|---|---|---|
| $2,500+ | 0.05% | 0.05% |
Required minimum balance: $50 to open the account, and a $2,500 daily balance to earn dividends, $2,500 daily balance to avoid monthly $15 service charge.
Business Certificates
Rates Effective:
10/01/2025
| Term | Rate | APY* | |
|---|---|---|---|
| $1,000 - 99,999 | 3-Month Certificate | 2.75% | 2.79% |
| 6-Month Certificate | 3.00% | 3.05% | |
| 1-Year Certificate | 3.50% | 3.56% | |
| 18-Month Certificate | 3.55% | 3.61% | |
| 2-Year Certificate | 3.65% | 3.72% | |
| 3-Year Certificate | 3.75% | 3.82% | |
| 4-Year Certificate | 3.90% | 3.98% | |
| 5-Year Certificate | 4.00% | 4.08% | |
| $100,000+ | 3-Month Certificate | 2.85% | 2.89% |
| 6-Month Certificate | 3.10% | 3.15% | |
| 1-Year Certificate | 3.60% | 3.67% | |
| 18-Month Certificate | 3.65% | 3.72% | |
| 2-Year Certificate | 3.75% | 3.82% | |
| 3-Year Certificate | 3.85% | 3.92% | |
| 4-Year Certificate | 4.00% | 4.08% | |
| 5-Year Certificate | 4.10% | 4.18% |
Business Money Market Savings
Rates Effective:
10/01/2025
| Rate | APY* | |
|---|---|---|
| $5 - 2,500 | 3.00% | 3.04% |
| $2,500+ | 3.00% - 1.50% | 3.04% - 1.51% |
Required minimum balance: $5 to open the account, $5 daily balance to earn dividends. A $2,500 balance earns a blended rate of 3.04% APY. A $10,000 balance earns a blended rate of 1.89% APY. A $25,000 balance earns a blended rate of 1.66% APY.
Business Savings Accounts
Rates Effective:
10/01/2025
| Rate | APY* | |
|---|---|---|
| $100+ | 0.10% | 0.10% |
Required minimum balance: $5 to open the account, $100 daily balance to earn dividends.
Business Titanium Savings Accounts
Rates Effective:
10/01/2025
| Rate | APY* | |
|---|---|---|
| $100 - 25,000 | 0.75% | 0.75% |
| $25,000 - 50,000 | 1.75% | 1.77% |
| $50,000+ | 2.00% | 2.02% |
Required minimum balance: $5 to open the account, and $100 daily balance to earn dividends.
Certificates and IRA Certificates
Rates Effective:
10/01/2025
| Term | Rate | APY* | |
|---|---|---|---|
| $1,000 - 99,999 | 3-Month Certificate | 2.75% | 2.79% |
| 6-Month Certificate | 3.00% | 3.05% | |
| 1-Year Certificate | 3.50% | 3.56% | |
| 18-Month Certificate | 3.55% | 3.61% | |
| 2-Year Certificate | 3.65% | 3.72% | |
| 3-Year Certificate | 3.75% | 3.82% | |
| 4-Year Certificate | 3.90% | 3.98% | |
| 5-Year Certificate | 4.00% | 4.08% | |
| $100,000+ | 3-Month Certificate | 2.85% | 2.89% |
| 6-Month Certificate | 3.10% | 3.15% | |
| 1-Year Certificate | 3.60% | 3.67% | |
| 18-Month Certificate | 3.65% | 3.72% | |
| 2-Year Certificate | 3.75% | 3.82% | |
| 3-Year Certificate | 3.85% | 3.92% | |
| 4-Year Certificate | 4.00% | 4.08% | |
| 5-Year Certificate | 4.10% | 4.18% |
Certificate Accounts are also available as Individual Retirement Accounts.
Certificate Secured
Rates Effective:
04/01/2024
| Max. Loan | APR | |
|---|---|---|
| Due at Certificate Maturity | Account Balance | Certificate Rate + 2.25% |
Individual Retirement Account
Rates Effective:
10/01/2025
| Rate | APY* | |
|---|---|---|
| $100+ | 1.00% | 1.01% |
Required minimum balance: $100 to open the account, $100 daily balance to earn dividends.
Interest Checking
Rates Effective:
10/01/2025
| Rate | APY* | |
|---|---|---|
| $2,500+ | 0.05% | 0.05% |
Required minimum balance: $100 to open the account, $2,500 daily balance to earn dividends and to avoid monthly $15 service charge.
Money Market Savings
Rates Effective:
10/01/2025
| Rate | APY* | |
|---|---|---|
| $5 - 2,500 | 3.00% | 3.04% |
| $2,500+ | 3.00% - 1.50% | 3.04% - 1.51% |
Required minimum balance: $5 to open the account, $5 daily balance to earn dividends. A $2,500 balance earns a blended rate of 3.04% APY. A $10,000 balance earns a blended rate of 1.89% APY. A $25,000 balance earns a blended rate of 1.66% APY.
Motorcycle Loans†
Rates Effective:
08/22/2025
| Up to 48 months | 66 months | 72 months * | 84 months ** | Purchase & Refinance | |
|---|---|---|---|---|---|
| 750+ | 6.99% | 7.24% | 7.49% | 7.74% | 110% |
| 700-749 | 7.49% | 7.74% | 7.99% | 8.24% | 110% |
| 650-699 | 8.49% | 8.74% | 8.99% | 9.24% | 105% |
† Minimum Loan Amount: $5,000. Maximum Loan Amounts: $50,000. These APRs assume purchase or refinance of a vehicle under 5 calendar years. Your final APR may be higher depending upon the age of the vehicle. 72 month term is only available on financing of $15,000 or more. **84 month term is only available on financing of $20,000 or more.
Payment example: Loan amount of $12,000 at 6.99% APR for 48 months would have monthly payments of $287.26.
Personal Loans*
Rates Effective:
08/22/2025
| Max. Loan Amount | Up to 60 months | |
|---|---|---|
| 740+ | $50,000 | 9.99% |
| 700-739 | $30,000 | 11.49% |
| 660-699 | $15,000 | 13.24% |
| 640-659 | $7,500 | 14.74% |
* Minimum loan amount is $1,500.
Payment example: Loan amount of $10,000 at 9.99% APR for 60 months would have monthly payments of $212.44.
Recreational Vehicle Loan Rates††
Rates Effective:
08/22/2025
| 84 Mos. | 144 Mos. | Max LTV | Cash Out LTV | |
|---|---|---|---|---|
| 700+ | 8.24% | 8.74% | 100% | 80% |
| 660-699 | 8.49% | 8.99% | 90% | 70% |
†† Minimum Loan Amount: $5,000. Maximum Loan Amounts: New $200,000; Used $150,000. These APRs assume purchase or refinance of a vehicle under 10 calendar years. Your final APR may be higher depending upon the age of the vehicle.
Payment example: Loan amount of $20,000 at 8.24% APR for 84 months would have monthly payments of $314.08.
Savings Accounts
Rates Effective:
10/01/2025
| Rate | APY* | |
|---|---|---|
| $100+ | 0.10% | 0.10% |
Required minimum balance: $5 to open the account, $100 daily balance to earn dividends.
Saving Secured
Rates Effective:
08/22/2025
| Max. Limit | APR | |
|---|---|---|
| 60 months | Account Balance | 4.49% |
Signature Line of Credit
Rates Effective:
08/22/2025
| Max Limit | APR | |
|---|---|---|
| Revolving - Credit Score: 700+ | $10,000 | WSJ Prime + 4.00% |
Titanium Savings Accounts
Rates Effective:
10/01/2025
| Rate | APY* | |
|---|---|---|
| $100 - 25,000 | 0.75% | 0.75% |
| $25,000 - 50,000 | 1.75% | 1.77% |
| $50,000+ | 2.00% | 2.02% |
Required minimum balance: $5 to open the account, $100 daily balance to earn dividends.
Visa Credit Card Interest Rates and Interest Charges
Rates Effective: 10/31/2025
| Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances. |
Visa Classic: 18.00% These APRs will vary with the market based on the Prime Rate. |
| Paying Interest | We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website at the Consumer Financial Protection Bureau (www.consumerfinance.gov/learnmore). |
| Fees: | |
| Annual Fee | None |
| Transaction Fees: | |
| Cash Advances | 2.00% of each advance [$2.00 Minimum]. |
| Penalty Fees: | |
| Late Payment | Up to $28.00 |
Balance Computation Method: Average daily balance including new purchases.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.