Today’s Best Rates

Inspired Checking

Average Daily Balance

Dividend Rate

APY*

Rates effective as of July 5, 2019

*APY – Annual Percentage Yield

See Product Details

Average Daily Balance

<$10,000.00

Dividend Rate

0.50%

APY*

0.50%

Average Daily Balance

$10,000+

Dividend Rate

1.00%

APY*

1.00%

Regular/Share Savings

Average Daily Balance

Dividend Rate

APY

Rates effective as of July 5, 2019

See Product Details

Average Daily Balance

$100.00+

Dividend Rate

0.05%

APY

0.05%

Inspired Share/Savings

Average Daily Balance

Dividend Rate

APY*

Rates effective as of July 5, 2019

*APY – Annual Percentage Yield

See Product Details

Average Daily Balance

<$10,000.00

Dividend Rate

0.25%

APY*

0.25%

Average Daily Balance

$10,000.00+

Dividend Rate

0.50%

APY*

0.50%

Aspire Savings - Smart Start Program

Average Daily Balance

Dividend Rate

APY

Rates effective as of July 5, 2019

Available to members between the ages of 13 to 23.

See Product Details

Average Daily Balance

$100+

Dividend Rate

0.05%

APY

0.05%

Inspired Money Market

Average Daily Balance

Dividend Rate

APY*

Rates effective as of July 5, 2019

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. See your account disclosure for full details. Fees could reduce earnings.

Average Daily Balance

<$10,000.00

Dividend Rate

0.85%

APY*

0.85%

Average Daily Balance

$10,000.00+

Dividend Rate

1.00%

APY*

1.00%

Coverdell Education Savings

Average Daily Balance

Dividend Rate

APY*

Rates effective as of July 5, 2019

*APY – Annual Percentage Yield

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Promotional Regular & IRA Certificates

Term/Months

Average Daily Balance

Dividend Rate

APY*

Rates effective as of July 5, 2019

*APY = Annual Percentage Yield. The rate contracted for Certificates remains in effect for the entire term of the account. Dividend period for Certificates is quarterly. The APY for Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from IRAs may be considered a taxable distribution. Please consult a tax advisor. A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account. Minimum daily balances must be maintained to earn dividends and avoid closure. Upon maturing an 11 month certificate will automatically rollover to a 12 month certificate, a 22 month to a 24 month, and a 33 month to a 36 month. A minimum opening deposit of $10,000 allows you to choose any term between 334 and 364 days. See your account disclosure for full details.

† 11, 22 and 33 Month New Money – Earn the stated rate when opened with outside funds.

See Product Details

Term/Months

11 months

Average Daily Balance

Any balance plus $1,000 new money†

Dividend Rate

2.48%

APY*

2.50%

Term/Months

11 months

Average Daily Balance

$500.00 and above

Dividend Rate

2.23%

APY*

2.25%

Term/Months

22 months

Average Daily Balance

Any balance plus $1,000 new money†

Dividend Rate

2.72%

APY*

2.75%

Term/Months

22 months

Average Daily Balance

$500.00 and above

Dividend Rate

2.48%

APY*

2.50%

Term/Months

33 months

Average Daily Balance

Any balance plus $1,000 new money†

Dividend Rate

2.83%

APY*

2.86%

Term/Months

33 months

Average Daily Balance

$500.00 and above

Dividend Rate

2.58%

APY*

2.60%

Regular & IRA Certificates

Terms

Average Daily Balance

Dividend Rate

APY

Rates effective as of July 5, 2019

APY = Annual Percentage Yield. The rate contracted for Certificates remains in effect for the entire term of the account. Dividend period for Certificates is quarterly. The APY for Certificates assumes principal and dividends paid quarterly remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Dividends withdrawn from IRAs may be considered a taxable distribution. Please consult a tax advisor. A penalty may be imposed for withdrawals made before maturity. Minimum daily balances must be maintained to earn dividends and avoid closure. A minimum opening deposit of $10,000 allows you to choose any term between 180 and 1855 days. See your account disclosure for full details.

* 3-month/91 day term not available on IRA certificates.

See Product Details

Terms

3 months* (91 day)

Average Daily Balance

$500.00 and above

Dividend Rate

0.70%

APY

0.70%

Terms

6 months

Average Daily Balance

$500.00 and above

Dividend Rate

0.90%

APY

0.90%

Terms

8 months

Average Daily Balance

$500.00 - $9,999.99

Dividend Rate

1.05%

APY

1.05%

Terms

8 months

Average Daily Balance

$10,000.00 - $89,999.99

Dividend Rate

1.10%

APY

1.10%

Terms

8 months

Average Daily Balance

$90,000.00 and above

Dividend Rate

1.15%

APY

1.15%

Terms

12 months

Average Daily Balance

$500.00 and above

Dividend Rate

1.79%

APY

1.80%

Terms

18 months

Average Daily Balance

$500.00 and above

Dividend Rate

1.84%

APY

1.85%

Terms

24 months

Average Daily Balance

$500.00 and above

Dividend Rate

1.89%

APY

1.90%

Terms

36 months

Average Daily Balance

$500.00 and above

Dividend Rate

1.99%

APY

2.00%

Terms

60 months

Average Daily Balance

$500.00 - $9,999.99

Dividend Rate

2.43%

APY

2.45%

Terms

60 months

Average Daily Balance

$10,000.00 - $89,999.99

Dividend Rate

2.48%

APY

2.50%

Terms

60 months

Average Daily Balance

$90,000.00 and above

Dividend Rate

2.53%

APY

2.55%

Coverdell Education Savings

Average Daily Balance

Dividend Rate

APY*

Rates effective as of July 5, 2019

*APY – Annual Percentage Yield

See Product Details

Average Daily Balance

$25.00+

Dividend Rate

0.15%

APY*

0.15%

Promotional Auto Loans (2016 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective 08/01/2019 – 10/31/2019

* APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional discounts do not apply.

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*

2.99%

Estimated monthly payment per $1,000

$16.45 (at 66 months)

Promotional Auto Loans (2011 - 2015)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective 08/01/2019 – 10/31/2019

* APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional discounts do not apply.

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*

3.74%

Estimated monthly payment per $1,000

$16.79 (at 66 months)

Auto Loans (2016 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$7,500

APR*

As low as 3.49%

Estimated monthly payment per $1,000

$16.45 (at 48 months)

Terms

49 - 66 months

Minimum Loan Amount

$7,500

APR*

As low as 3.74%

Estimated monthly payment per $1,000

$16.79 (at 66 months)

Terms

67 - 75 months

Minimum Loan Amount

$7,500

APR*

As low as 4.24%

Estimated monthly payment per $1,000

$15.20 (at 75 months)

Terms

76 - 84 months

Minimum Loan Amount

$10,000

APR*

As low as 5.49%

Estimated monthly payment per $1,000

$14.37 (at 84 months)

Auto Loans (2011 - 2015)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Other rates may be available for older vehicles. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$2,500

APR*

As low as 3.99%

Estimated monthly payment per $1,000

$22.57 (at 48 months)

Terms

49 to 66 months

Minimum Loan Amount

$2,500

APR*

As low as 4.49%

Estimated monthly payment per $1,000

$17.13 (at 66 months)

Terms

67 to 75 months

Minimum Loan Amount

$2,500

APR*

As low as 4.99%

Estimated monthly payment per $1,000

$15.55 (at 75 months)

Terms

76 to 84 months

Minimum Loan Amount

$10,000

APR*

As low as 6.24%

Estimated monthly payment per $1,000

$14.72 (at 84 months)

Motorcycle Loans (2016 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$5,000

APR*

As low as 5.24%

Estimated monthly payment per $1,000

$23.14 (at 48 months)

Terms

49 - 66 months

Minimum Loan Amount

$7,500

APR*

As low as 6.24%

Estimated monthly payment per $1,000

$17.94 (at 66 months)

Terms

67 - 75 months

Minimum Loan Amount

$10,000

APR*

As low as 7.24%

Estimated monthly payment per $1,000

$16.62 (at 75 months)

Motorcycle Loans (2011 - 2015)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$2,500

APR*

As low as 6.24%

Estimated monthly payment per $1,000

$23.60 (at 48 months)

Terms

49 - 66 months

Minimum Loan Amount

$5,000

APR*

As low as 7.24%

Estimated monthly payment per $1,000

$18.41 (at 66 months)

Terms

67 - 75 months

Minimum Loan Amount

$10,000

APR*

As low as 8.24%

Estimated monthly payment per $1,000

$17.10 (at 75 months)

Boats and Sports Craft (2016 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

See Product Details

Terms

Up to 72 months

Minimum Loan Amount

$2,500

APR*

As low as 7.99%

Estimated monthly payment per $1,000

$17.53 (at 72 months)

Terms

73 - 96 months

Minimum Loan Amount

$20,000

APR*

As low as 8.99%

Estimated monthly payment per $1,000

$14.65 (at 96 months)

Terms

97 - 180 months

Minimum Loan Amount

$30,000

APR*

As low as 9.99%

Estimated monthly payment per $1,000

$10.74 (at 180 months)

Boats and Sports Craft (2015 and Older)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

See Product Details

Terms

Up to 72 months

Minimum Loan Amount

$2,500

APR*

As low as 8.99%

Estimated monthly payment per $1,000

$18.02 (at 72 months)

Terms

73 - 96 months

Minimum Loan Amount

$20,000

APR*

As low as 9.99%

Estimated monthly payment per $1,000

$15.17 (at 96 months)

Terms

97 - 180 months

Minimum Loan Amount

$30,000

APR*

As low as 10.99%

Estimated monthly payment per $1,000

$11.36 (at 180 months)

Recreational Vehicles (2016 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Rate discounts may be available. Ask a representative for details. Other terms and conditions may apply.

See Product Details

Terms

Up to 72 months

Minimum Loan Amount

$2,500

APR*

As low as 7.49%

Estimated monthly payment per $1,000

$17.29 (at 72 months)

Terms

73 - 96 months

Minimum Loan Amount

$20,000

APR*

As low as 8.49%

Estimated monthly payment per $1,000

$14.39 (at 96 months)

Terms

97 - 180 months

Minimum Loan Amount

$30,000

APR*

As low as 9.49%

Estimated monthly payment per $1,000

$10.44 (at 180 months)

Recreational Vehicles (2009 - 2015)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Rate discounts may be available. Ask a representative for details. Other terms and conditions may apply.

See Product Details

Terms

Up to 72 months

Minimum Loan Amount

$2,500

APR*

As low as 8.49%

Estimated monthly payment per $1,000

$17.77 (at 72 months)

Terms

73 - 96 months

Minimum Loan Amount

$20,000

APR*

As low as 9.49%

Estimated monthly payment per $1,000

$14.91 (at 96 months)

Terms

97 - 180 months

Minimum Loan Amount

$30,000

APR*

As low as 10.49%

Estimated monthly payment per $1,000

$11.05 (at 180 months)

Wheelhouse Credit Cards

Card

APR

Rates are as of August 21, 2019

See full summary of rates and terms

See Product Details

Card

Visa® Platinum Credit Card

APR

11.49% - 23.49% APR*

Card

Visa® Platinum Rewards Credit Card

APR

12.25% - 24.25% APR*

Solar and Energy Efficiency Loans

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

* APR = Annual Percentage Rate. Rates are based on credit worthiness, payment method and loan term. Rates are effective August 1, 2019 and are subject to change.

Energy Efficiency Loans includes Water Conservation program.

Product Details for Solar Product Details for Energy Efficiency

Terms

Up to 96 months

Minimum Loan Amount

$2,500

APR*

As low as 4.74%

Estimated monthly payment per $1,000

$12.54 (at 96 months)

Terms

97 - 144 months

Minimum Loan Amount

$7,500

APR*

As low as 5.74%

Estimated monthly payment per $1,000

$9.62 (at 144 months)

Terms

145 - 240 months

Minimum Loan Amount

$15,000

APR*

As low as 7.24%

Estimated monthly payment per $1,000

$7.90 (at 240 months)

Personal Loans

Loan Type

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019
* APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

1 No additional discounts apply. Rates are determined based on savings or certificate rate plus a 3% margin. Certificate Secured loans are due and payable upon maturity of the certificate account.

See Product Details

Loan Type

Life Loan

Terms

Up to 60 months

Minimum Loan Amount

$2,500

APR*

As low as 9.49%

Estimated monthly payment per $1,000

$21.00 (at 60 months)

Loan Type

Bill Consolidation Loan

Terms

Up to 60 months

Minimum Loan Amount

$2,500

APR*

As low as 14.49%

Estimated monthly payment per $1,000

$23.52 (at 60 months)

Loan Type

Shared Secured1

Terms

Up to 120 months

Minimum Loan Amount

$100

APR*

Savings rate + 3% APR

Estimated monthly payment per $1,000

Loan Type

Certificate Secured1

Terms

60 months or up to certificate term

Minimum Loan Amount

$500

APR*

Certificate rate + 3% APR

Estimated monthly payment per $1,000

Line of Credit

Loan Type

Maximum Loan Amount

APR*

Rates effective August 1, 2019

* APR = Annual Percentage Rate. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change. Other terms and conditions may apply.

Loan Type

1010 Police Department Loan

Maximum Loan Amount

$2,500

APR*

As low as 9.11%

Loan Type

Money on Request

Maximum Loan Amount

$15,000

APR*

As low as 12.74%

We offer fixed or adjustable-rate closed-end, simple interest loans used for home purchase or refinance, including:

  • Purchase or Refinance
  • Jumbo or Conforming
  • FHA and VA
  • 1st-Time Homebuyer

Visit the Mortgage Center or call our Wheelhouse Mortgage Specialist at 619-278-5771 to apply today!

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