Deposit Rates
We consistently offer the highest deposit rates available right here in Schuylkill County. Put your money to work smarter and harder with our deposit products and watch your money grow!
Share Rates
As of September 11, 2025
| Type | Minimum Balance to Earn APY | APY1 |
|---|---|---|
| Regular Shares | $50 | 0.50% |
| HY WOW! Checking | $0 | 0.1%/1%2 |
| Prime Checking Bundle | $0-$10,000 | 5.12%3 |
| Prime Checking Bonus Rate | $0-$10,000 | 5.12%3 |
| Prime Checking Base Rate | Over $10,000 | 0.10%3 |
| IRA Shares | $50 | 1.00% |
| Christmas Club | $50 | 0.45% |
| Vacation Club | $50 | 0.45% |
| Member Defined | $50 | 0.45% |
| Escrow Account | $0 | 0.05% |
1APY = Annual Percentage Yield.
2The Annual Percentage Yield is subject to change. Membership requires a minimum of $5 in a Regular Share account. Sign up for eStatements and make 10 POS transactions per month to earn 1.0% stated APY. Fees or other conditions may reduce earnings. Contact the Credit Union for more information.
3All monthly requirements listed above must be met to earn the stated APY. APY is subject to change and is effective as of 09/11/2025. 5.12% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met. 0.10% APY earned on the portion of your daily balance that is greater than $10,000. If monthly requirements are not met, you earn 0.10% APY on your average daily balance. A combined total of at least 20 debit card transactions or ACH transactions must be cleared as of one day before the last day of the month to earn the state APY. Rates may change after the account is opened. Fees could reduce the earnings on the account—one account per primary member.
Get StartedMoney Market
As of September 11, 2025
| Balance Required to Earn APY | Dividend Rate | APY1 |
|---|---|---|
| $2,000.00–$19,999.99 | 1.98% | 2.00% |
| $20,000.00–$74,999.99 | 2.72% | 2.75% |
| $75,000.00–$499,999.99 | 2.96% | 3.00% |
| $500,000.00+ | 2.96% | 3.00% |
1APY = Annual Percentage Yield
The Annual Percentage Yield is subject to change. Money Market accounts require a minimum balance of $2,000.00 to be opened. Fees or other conditions may reduce earnings. Contact the Credit Union for more information.
Learn MoreCertificate Rates
As of September 11, 2025
| Term | APR1 | APY2 |
|---|---|---|
| 3 Months | 3.93% | 4.00% |
| 6 Months | 3.78% | 3.85% |
| 9 Months | 3.83% | 3.90% |
| 12 Months | 3.59% | 3.65% |
| 18 Months | 3.51% | 3.57% |
| 24 Months | 3.45% | 3.50% |
| 30 Months | 3.15% | 3.20% |
| 36 Months | 3.15% | 3.20% |
| 42 Months | 3.15% | 3.20% |
| 48 Months | 3.01% | 3.05% |
| 54 Months | 3.01% | 3.05% |
| 60 Months | 3.01% | 3.05% |
| 120 Months | 3.01% | 3.05% |
1APR = Annual Percentage Rate
2APY = Annual Percentage Yield
The dividend APR and APY are fixed and will be in effect for the term of the account. Minimum deposit required to open an account $500.00 to earn the stated Annual Percentage Yield. Fees or other conditions may reduce earnings. The APY is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. We may impose a penalty if you withdrawal any of the principal before the maturity date. Contact the Credit Union for more information.
IRA Certificate Rates
As of September 11, 2025
| Term | APR1 | APY2 |
|---|---|---|
| 3 Months | 3.93% | 4.00% |
| 6 Months | 3.78% | 3.85% |
| 9 Months | 3.83% | 3.90% |
| 12 Months | 3.59% | 3.65% |
| 18 Months | 3.51% | 3.57% |
| 24 Months | 3.45% | 3.50% |
| 30 Months | 3.15% | 3.20% |
| 36 Months | 3.15% | 3.20% |
| 42 Months | 3.15% | 3.20% |
| 48 Months | 3.01% | 3.05% |
| 54 Months | 3.01% | 3.05% |
| 60 Months | 3.01% | 3.05% |
| 120 Months | 3.01% | 3.05% |
1APR = Annual Percentage Rate
2APY = Annual Percentage Yield
The dividend APR and APY are fixed and will be in effect for the term of the account. Minimum deposit required to open an account $500.00 to earn the stated Annual Percentage Yield. Fees or other conditions may reduce earnings. The APY is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. We may impose a penalty if you withdrawal any of the principal before the maturity date. Contact the Credit Union for more information.
Loan Rates
Rates are subject to change without notice. The APR1 rates listed below are the lowest available and may vary based on credit qualifications.
Auto Loan Rates
As of September 11, 2025
| Type | 24 Months | 36 Months | 48 Months | 60 Months | 72 Months | 84 Months | 96 Months | 120 Months |
|---|---|---|---|---|---|---|---|---|
| New Vehicle2 | -- | 5.39% | 5.39% | 5.39% | 5.99% | 5.99% | 6.49% | 8.49% |
| Used Vehicle3 | -- | 5.39% | 5.39% | 5.39% | 5.99% | 6.49% | -- | 8.49% |
| Older Used Vehicle4 | 5.39% | 5.39% | 5.49% | 5.79% | 6.99% | 7.29% | -- | -- |
| Classic Car5 | 5.99% | 5.99% | 5.99% | 5.99% | 6.99% | 6.99% | 6.99% | -- |
1APR = Annual Percentage Rate. Your actual APR will depend on several factors, including credit history, loan type, vehicle year, mileage, term, and loan amount. Rates are subject to change at any time.
2Eligible for current model year vehicles. Previous model year vehicles are considered “new” through March 31st of the current year. Maximum term: 120 months.
3Applies to vehicles from the current model year and up to five years old. Maximum term: 120 months (mileage may limit term options).
4Eligible for vehicles six to twelve model years old from the current model year. Vehicles over 12 years require Loan Committee approval. Maximum term: 72 months (mileage may limit term options).
5Eligible for vehicles 20 years or older from the current model year. Maximum term: 96 months (mileage may limit term options). A $100 appraisal fee applies.
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