Loans Savings Checking Certificate of Deposit Rates Mortgages
Loan Rates
| APR^As Low As | APR^As Low As with Direct Deposit | Term: Up To | |
|---|---|---|---|
| 2021 and Newer 1 | 5.50% | 5.25% | 48 Mo. |
| 5.75% | 5.50% | 60 Mo. | |
| 6.00% | 5.75% | 72 Mo. | |
| 2017-2020 1 | 5.75% | 5.50% | 48 Mo. |
| 6.00% | 5.75% | 60 Mo. | |
| 6.50% | 6.25% | 72 Mo. | |
| 2013-2016 1 | 6.75% | 6.50% | 36 Mo. |
| 7.00% | 6.75% | 48 Mo. | |
| 7.25% | 7.00% | 60 Mo. | |
| 7.50% | 7.25% | 72 Mo. | |
| 2012 & Older1 | 8.00% | 7.75% | 36 Mo. |
| 8.50% | 8.25% | 48 Mo. (max term without approval) | |
| Classic Auto Loans2 | 6.50% | 6.25% | 48 Mo. |
| 7.00% | 6.75% | 60 Mo. | |
| 7.50% | 7.25% | 72 Mo. | |
| Boats and Recreational Vehicles (RVs) | APR^As Low As | APR^As Low As with Direct Deposit | Term: Up To |
| 2023 & Newer | |||
| 6.25% | 6.00% | Up to 72 Months full term | |
| 6.75% | 6.50% | 72 Mo. balloon with 120 am | |
| 7.00% | 6.75% | Up to 120 Months | |
| 8.00% | 7.75% | 120 MO. balloon with 180 Amortization ($30k plus) | |
| 9.00% | 8.75% | 180 Mo. Fixed Amortization ($30k plus) | |
| 2018-2022 | Over 100% LTV Rate Inrease of .5% | ||
| 6.50% | 6.25% | Up to 72 Months full term | |
| 7.00% | 6.75% | 72 Mo. balloon with 120 am | |
| 7.25% | 7.00% | Up to 120 Months | |
| 8.25% | 8.00% | 120 MO. balloon with 180 Amortization ($30k plus) | |
| 9.25% | 9.00% | 180 Mo. Fixed Amortization ($30k plus) | |
| 2012-2017 | Max LTV of 80% | ||
| 8.25% | 8.00% | 60 month max term | |
| 9.25% | 9.00% | Up to 120 Months ($30k plus only) | |
| 2011 & Older | Max LTV of 80%, 690+ Credit Score Only | ||
| 8.50% | 8.25% | 60 month max term | |
| 9.50% | 9.25% | Up to 120 Months ($30k plus only) | |
| Motorcycle/ATV | APR^As Low As | APR^As Low As with Direct Deposit | Term: Up To |
| 2016 & Newer | 7.25% | 7.00% | 48 Mo. |
| 7.75% | 7.50% | 60 Mo. | |
| 8.25% | 8.00% | 72 Mo. | |
| 2015 & Older | 9.25% | 9.00% | 48 Mo. |
| Other Loans | APR^As Low As | APR^As Low As with Direct Deposit | Term: Up To |
| Bike Loan | 8.25% | 8.00% | New up to 60 Mo. |
| New/Used UCC Items | 8.00% | 7.75% | 60 Mo. |
| Unsecured: Personal Line of Credit/Ultraline | 9.692% | Variable | |
| Unsecured: Cover Your Account (CYA) Line3 | 16.90% | Fixed | |
| Unsecured: Personal Loan | 9.75% | 9.50% | Up to 24 Mo. |
| 10.75% | 10.50% | 36 Mo. | |
| 11.75% | 11.50% | 60 Mo. | |
| VISA Credit Card | 12.15% |
*Qualifications may apply. Annual Percentage Yield (APY) is the effective annual rate of return, accounting for compounding interest. Fees may reduce earnings. Penalty applies for early withdrawal. Rates are effective as of April 15, 2026. Rates are the same for IRA and HSA CDs. Rates subject to change without notice. 1 Extended terms for these vehicles are available. Please contact TBACU for terms and rates. 2 Applies to vehicles 25+ years old or those deemed Classic or Exotic by the Hagerty Valuation Guide. Vehicles must be in running/driving condition. No rolling chassis or project cars without Credit Committee approval. 3 Repayment on both lines is $2.00 per $100.00 financed.
Auto Loan Calculator
Mortgage Rates
| Conventional Fixed Mortgage Rates (based on a $225K loan amount) | APR^As Low As |
|---|---|
| 10 Year Purchase Primary Residence | 6.00% |
| 15 Year Purchase Primary Residence | 6.00% |
| 30 Year Purchase Primary Residence | 6.375% |
| Home Equity Line of Credit | APR^As Low As |
| 10 Year Interest Only | 6.75%* |
| Home Equity Fixed | APR^As Low As |
| 5 Year Home Equity | 6.50% |
| 10 Year Home Equity | 7.00% |
| Vacant Land | APR^As Low As |
| 10 Year Fixed | 7.00% |
| For loans not listed in this chart, please contact our Mortgage Department at 231.946.7090. |
Rates are based on loan amount. Rate are based on an evaluation of credit and credit history, so your rate may differ. Rates are subject to change. * Variable Rate. Rates effective as of April 15, 2026.
Savings Rates
| Savings | Rate | APY^ |
|---|---|---|
| $1 - $999 | 0.05% | 0.05% |
| $1,000 - $9,999 | 0.10% | 0.10% |
| $10,000+ | 0.10% | 0.10% |
| Other Savings | Rate | APY^ |
| Traditional IRA Shares | 0.40% | 0.40% |
| Roth IRA Shares | 0.40% | 0.40% |
| Tax Deferred Compensation for School Employees | 0.60% | 0.60% |
| Health Savings Account | 0.10% | 0.10% |
*Annual Percentage Yield. Qualifications may apply. Rates subject to change without notice. Rates effective as of April 15, 2026.
Checking Rates
| Cash Reward Account | Rate | APY^ |
|---|---|---|
| $1-$10,000 | 5.00% | 5.12%1 |
| Money Market Account | Rate | APY^ |
| $2,500 - $24,999 | 0.50% | 0.50% |
| $25,000 -$99,999 | 1.00% | 1.00% |
| $100,000+ | 2.00% | 2.02% |
*Annual Percentage Yield. Rates as of April 15, 2026. 1Rate subject to change. Interest not paid on balances over $10,000. No minimum balance or opening deposit required. Some requirements apply, if requirements are not met there are no penalty fees
Certificate of Deposit Rates
Ask about our local CD matching rate program*
| Rate | APY^ | Rate with Direct Deposit | APY with Direct Deposit | |
|---|---|---|---|---|
| 6 Month- $500 Minimum | 3.50% | 3.55% | 3.70% | 3.75% |
| 6 Month Add-On CD - $250 Minimum | 2.75% | 2.78% | 2.95% | 2.98% |
| 12 Month- $500 Minimum | 3.45% | 3.50% | 3.65% | 3.70% |
| 24 Month- $500 Minimum | 3.25% | 3.29% | 3.45% | 3.50% |
| 36 Month- $500 Minimum | 3.30% | 3.34% | 3.50% | 3.55% |
| 48 Month- $500 Minimum | 3.35% | 3.39% | 3.55% | 3.60% |
| 60 Month- $500 Minimum | 3.40% | 3.44% | 3.60% | 3.65% |
| Direct Deposit Rate: 0.20% | ||||