Rates.

Rates

Keep in mind

The following rates are effective as of June 4th, 2020 unless otherwise noted, and subject to change. Interest rates are determined by individual credit history. APY means annual percentage yield. Conventional Loan Rates.

Which rates are you checking?

Mortgage

Home equity loans

Vehicle loans

RV/Boat/Other Vehicle Loans

Credit Card and Unsecured Loans

Checking

Savings

HSA

Certificates

IRA

Business Checking

Business Money Market

Mortgage rates

Visit our mortgage center for other information on home loans.

 

Mortgage Rates
Fixed RateRate As Low AsAPR As Low AsMonthly Payment per $10,000 Borrowed
30 years3.375%3.455%$44.21
20 years3.375%3.488%$57.36
15 years2.875%3.015%$68.46
10 & Done2.750%3.080%$95.41
Adjustable Rate
5 year ARM2.250%2.350%$38.22
7 year ARM2.750%2.853%$40.82
Veterans Affair (VA)
30 years3.375%3.836%$44.21
USDA
30 years3.375%3.893%$44.21
FHA
30 years3.250%4.222%$43.52

Rates quoted are effective as of June 4th, 2020 unless otherwise noted and may vary with amount of loan and loan-to-value ratio LTV. 60 day lock. Rates quoted based on $150,000 mortgage, 80% LTV, 740 credit score, owner occupied only. Annualized Percentage Rate APR includes interest, certain fees and points as applicable according to federal law. Payments displayed do not include taxes and insurance, actual payments may be greater. $595 origination fee. 

Veterans Affair (VA)-  Available to Veterans, service members, and eligible spouses. https://www.benefits.va.gov/homeloans/purchaseco_eligibility.asp

USDA Loan- 100% financing for Purchase and Refinance. Property eligibility can be found at https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp

Home Equity Line of Credit (HELOC) Rates
Term/FinancingAPR as Low asMonthly Payment per $10,000 Borrowed
Fixed Rate HELOC
80% Financing2.750%$100.00

APR may vary with credit score and loan to value ratio. 

*Per $10,000 borrowed payment based on 1% of the loan balance. 

**HELOC can go up to 100% LTV. All rates and terms subject to change without notice, and all loans are issued subject to credit approval. Normal lending guidelines apply. $5 Membership required for all consumer loans. $100 application fee.

Home Equity Loan Rates
Term/FinancingAPR as Low asMonthly Payment per $10,000 Borrowed
Fixed Rate
5yr Term Up to 80% LTV3.490%$181.87
10yr Term Up to 80% LTV3.990%$101.20

**All rates and terms subject to change without notice, and all loans are issued subject to credit approval. Normal lending guidelines apply. LTV= Loan to Value. APR may vary with credit score and loan to value ratio.  Property and flod insurance may be required. $5 Membership required for all consumer loans. There is an application fee of $100. 

Vehicle Loan Rates
Year and TermAuto/Motorcycles Rates
2018 and Newer
73-84 Months2.49%
Up to 72 Months1.90%
2014-2017
61-72 Months2.99%
Up to 60 Months2.49%
2009-2013
Up to 48 Months4.00%
2008 and Older
Up to 36 Months6.00%

* Conventional loan rates. Interest rates determined by individual credit score, term of the loan and year of collateral. $5 Membership required for all consumer loans.

** Monthly payment of $14.72 for every $1,000 borrowed for fixed auto/motorcycle loan based on 72 - month loan term. 

RV/Boat/Other Vehicle
YearAPY as low as*
2018 and Newer4.50%
2014-20175.50%
2013 and older6.00%

*Conventional loan rates.  Interest rates determined by individual credit score, term of the loan, and year of the collateral. $5 membership required for all consumer loans. Monthly payment of $22.80 for every $1,000 borrowed based on a 48-month loan term 

Credit Card and Unsecured Loan Rates
TypeAPR as Low as
Vibrant Credit Rewards Mastercard18.00%
Vibrant Credit Mastercard9.90%
Signature Loan11.50%
Variable Signature Loan+8.75%
Share Secured*2.00%

*Above certificate/savings rate earned.
+APR may increase after consummation of the loan.
$5 Membership required for all consumer loans.

Checking Rates
Account TypeAPY
Everyday Checking0%
Moneymaker Checking2.50%
Moneymaker Checking Paired with standard Vibrant Credit Card 4.00%

APY- Annual Percentage Yield. New accounts receive first 40 checks free. Other styles available at full price; prices vary. To qualify for the 2.50% APY and ATM fee reimbursements in the Moneymaker Checking Account members must have estatements, must have direct deposit of at least $500 a month, and must have 12 swipes on their Vibrant debit card per month. To qualify for the 4.00% APY for the Moneymaker Checking paired with the standard Vibrant Credit Card, members must use our standard Vibrant Credit Card and spend at least $1000 per month. Transactions made on the Vibrant Rewards Credit Card are non qualifying transactions.  Any purchases that are returned on the credit card will not count towards the $1,000 qualification to earn 4.00% APY. If requirements are not met, the rate will be .10% APY for total balance. If requirements are met, funds over $10,000 will be at .20% APY. Moneymaker account limited to one account per member. Federally Insured by the NCUA. Checking program details, benefits and rebates subject to change without notice.

Savings Rates
High InterestSuper SavingsMembership/ClubYellow Money Market
Average Daily BalanceAPY*APY*APY*APY*
$200,000+1.00%0.40%0.01%1.00%
$100,000 - $199,9991.00%0.30%0.01%1.00%
$25,000 - $99,9990.35%0.20%0.01%0.35%
$10,000 - $24,9990.35%0.10%0.01%0.35%
$100 - $9,9990.35%0.05%0.01%0.35%
$0 - $990.35%0.00%0.00%0.35%

*APY=Annual Percentage Yield

HSA Rates
Average Daily BalanceAPY
$5,000+0.01%
$100 - $4,9990.01%

APY=Annual Percentage Yield

Certificate Rates
CertificateAPY*
3 Month0.30%
6 Month0.30%
1 Year0.50%
15 Month*1.30%
18 Month0.75%
2 Year0.75%
30 Month1.00%
3 Year1.00%
4 Year1.00%
5 -Year Add-On Certificate*1.25%

*APY= Annual Percentage Yield. *15 month certificate will automatically renew into a 12-month term at maturity. *During the term of the Add-On certificate, you may make deposits of $5.00 or more at anytime. ^$5 minimum to open account. Penalty may be imposed for early withdrawal.

IRA Savings Rates
Average Daily BalanceAPY*
$100,000+0.35%
$50,000 - $99,9990.30%
$25,000 - $49,9990.20%
$10,000 - $24,9990.10%
$100 - $9,9990.05%

*APY= Annual Percentage Yield. Any fees could reduce potential earnings. 

Business Checking
Business Checking Plus APY*Business Checking Premier APY*
$50,000 and above0.03%0.05%
$49,999 - $30,0000.02%0.00%
$29,999 - $15,0000.01%0.00%
$14,999 - $2,5000.01%0.00%

*APY=Annual Percentage Yield, Monthly fee may be assessed with an Average Daily Balance less than $2,500.

Business Money Market Rates
Average Daily BalanceAPY*
$500,000 +1.75%
$200,000 - $499,9991.00%
$100,000 - $199,0000.25%
$25,000 - $99,9990.01%
$10,000 - $24,9990.01%
$100 - $9,9990.01%

*APY=Annual Percentage Yield