Rates
Money Market Rates
Money Market Account Rates
Current as of 1/1/2026| Balance ($1,500 minimum) | Gold Level APY1 | Dividend Rate | Silver Level APY2 | Dividend Rate | Base Level APY3 | Dividend Rate |
|---|---|---|---|---|---|---|
| Over $200,000 | 2.90% | 2.862% | 1.90% | 1.884% | 1.40% | 1.391% |
| Over $100,000 | 2.85% | 2.813% | 1.85% | 1.834% | 1.35% | 1.342% |
| Over $75,000 | 2.80% | 2.765% | 1.80% | 1.785% | 1.30% | 1.292% |
| Over $25,000 | 2.80% | 2.765% | 1.80% | 1.785% | 1.30% | 1.292% |
| Balances to $25,000 | 2.80% | 2.765% | 1.80% | 1.785% | 1.30% | 1.292% |
1APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. To qualify for APY, you must have an Electrum checking account and make at least 15 debit card purchases and have at least $1,500 in direct deposits each month. 2 To qualify for APY, you must have an Electrum checking account and make at least 5 debit card purchases and have at least $500 in direct deposits each month. 3 To qualify for APY, you must have an Electrum checking account. No mandatory monthly debit card purchases or direct deposits are required. |
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Certificate Rates
Regular Fixed Rate Certificates
Current as of 1/1/2026| Min. Opening Deposit | Term | APY1 | Dividend Rate |
|---|---|---|---|
| $1,000 | 6 months | 3.65% | 3.601% |
| 1 year | 3.40% | 3.357% | |
| 18 months | 3.30% | 3.260% | |
| 2 years | 3.20% | 3.162% | |
| 30 months | 3.15% | 3.113% | |
| 3 years | 3.10% | 3.065% | |
| 4 years | 2.80% | 2.771% | |
| 5 years | 2.90% | 2.869% | |
| $10,0002 | 32 months | 3.55% | 3.504% |
| $90,000 | 6 months | 3.70% | 3.650% |
| 1 year | 3.45% | 3.406% | |
| 18 months | 3.35% | 3.309% | |
| 2 years | 3.25% | 3.211% | |
| 30 month | 3.20% | 3.162% | |
| 3 years | 3.15% | 3.113% | |
| 4 years | 2.85% | 2.820% | |
| 5 years | 2.95% | 2.918% | |
1APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals on certificates up to 3-year terms, and a 180-day penalty on early withdrawals from 4 and 5 year term certificates. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. 2At renewal, certificate will auto-renew into current one year certificate unless otherwise designated. Certificates are non-transferable and non-negotiable. |
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Bump Up Certificate Rates
1One rate increase per certificateCurrent as of 1/1/2026
| Minimum Deposit | Term | APY2 | Dividend Rate |
|---|---|---|---|
| $10,000 | 24 months | 3.10% | 3.065% |
| 60 months | 2.80% | 2.771% | |
1One rate increase per certificate term initiated by member. 2APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals from Bump Up certificates up to 3-year terms. A 180-day dividend penalty will be assessed on early withdrawals from Bump Up certificates with terms longer than three years. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.. |
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Grow With Me Certificate Rates
Current as of 1/1/2026| Balance | Term | APY1 | Dividend Rate |
|---|---|---|---|
| Balances to $50,000 | Until age 18 | 5.00% | 4.909% |
| Over $50,000 | Until age 18 | 5.00-0.15% | 0.150% |
1APY = Annual Percentage Yield. Dividends paid quarterly. Must be age 17 and under to qualify. $100 minimum deposit. Certificate matures on child's 18th birthday. Certificate rates may change annually in July. A 365-day dividend penalty will be assessed on early withdrawals. Balances over $50,000 will earn a reduced rate of 0.15% APY. Earnings may be reduced by fees. Membership required. |
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Individual Retirement Account (IRA) Certificate Rates
Current as of 1/1/2026| Min. Opening Deposit | Term | APY* | Dividend Rate |
|---|---|---|---|
| $1,000 | 1 year | 3.45% | 3.406% |
| 2 years | 3.25% | 3.211% | |
| 3 years | 3.15% | 3.113% | |
| 5 years | 2.95% | 2.918% | |
| $90,000 | 1 year | 3.50% | 3.455% |
| 2 years | 3.30% | 3.260% | |
| 3 years | 3.20% | 3.162% | |
| 5 years | 3.00% | 2.967% | |
*APY = Annual Percentage Yield; Dividends are paid quarterly. Early withdrawals from Traditional IRA certificates will only have a dividend penalty if the account holder is less than 73 years of age. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Checking Account Rates
Electrum Checking Dividends
Current as of 1/1/2026| Balance | Gold Level APY1 | Dividend Rate | Silver Level APY 2 | Dividend Rate | Base Level APY 3 | Dividend Rate |
| Over $10,0002 | 5.00-0.15% | 0.150% | 1.50-0.15% | 0.150% | 0.05% | 0.050% |
| Balances to $10,0003 | 5.00% | 4.889% | 1.50% | 1.490% | 0.05% | 0.050% |
1APY = Annual Percentage Yield. To qualify for Electrum Gold, make at least 15 debit card purchases and have at least $1,500 in direct deposits each month to earn 5.00% APY. 2To qualify for Electrum Silver, make at least 5 debit card purchases and have at least $500 in direct deposits each month to earn 1.25% APY. 3No mandatory monthly debit card purchases or direct deposits are necessary to qualify for Electrum Base. |
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Loan Rates
Auto Loan Rates
Current as of 12/1/2025| Term | APR1 as low as |
|---|---|
| 0-36 months | 3.24% |
| 37-48 months2 | 3.99% |
| 49-60 months2 | 4.74% |
| 61-72 months3 | 5.19% |
| 73-84 months3 | 5.54% |
1Annual Percentage Rate (APR) is based on an evaluation of applicant's credit. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. 2Above rates represent a credit score of at least 780, a minimum of $25,000, and Automatic Payments from a Park View Checking Account. Not all loans will be eligible for all terms listed above. |
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Savings Account Rates
Savings and Club Rates
1$5 minimum deposit in Park View RewardsCurrent as of 1/1/2026
| Balance ($5 minimum deposit) | APY2 | Dividend Rate |
|---|---|---|
| Over $25,000 | 0.10% | 0.100% |
| Balances to $25,000 | 0.05% | 0.050% |
1 $5 minimum deposit required to open account and earn APY.2APY = Annual Percentage Yield; Dividends are paid quarterly. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Park View Rewards Rate
1Restricted depositsCurrent as of 1/1/2026
| Balance | APY2 | Dividend Rate |
|---|---|---|
| All balances | 5.00% | 4.909% |
1Deposits are limited to reward or account engagement activity including but not limited to Round Up transfers and dividends paid. 2APY=Annual Percentage Yield. Dividends are paid quarterly. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. |
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Specialty Club Savings Account (Christmas, Car club) Rates
1$5 minimum deposit in Park View RewardsCurrent as of 1/1/2026
| Balance | APY2 | Dividend Rate |
|---|---|---|
| All balances | 0.20% | 0.200% |
1$5 minimum deposit in shares account required to open specialty club account and earn APY. 2APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Health Savings Account (HSA) Rates
1$5 minimum deposit in Park View RewardsCurrent as of 1/1/2026
| Balance | APY2 | Dividend Rate |
|---|---|---|
| Over $5,000 | 1.00% | 0.996% |
| Balances to $5,000 | 0.20% | 0.200% |
1$5 minimum deposit in shares account required to open health savings account and earn APY. 2APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Individual Retirement Account (IRA) Savings Rates
Current as of 1/1/2026| Balance | APY1 | Dividend Rate |
|---|---|---|
| $250 minimum to open | 0.20% | 0.200% |
1APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Business Traditional Money Market Rates
Current as of 1/1/2026| Balance ($1,500 minimum to open) | APY1 | Dividend Rate |
|---|---|---|
| Over $200,000 | 1.40% | 1.391% |
| Over $100,000 | 1.35% | 1.342% |
| Over $75,000 | 1.30% | 1.292% |
| Over $25,000 | 1.30% | 1.292% |
| Balances to $25,000 | 1.30% | 1.292% |
1APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Business Investment Money Market Rates
Current as of 1/1/2026| Balance | APY1 | Dividend Rate |
|---|---|---|
| Balances over $1,000,000 | 2.63 - 3.05% | 3.008% |
| $500,000.01-$1,000,000 | 2.26 - 2.63% | 2.960% |
| $250,000.01-$500,000 | 1.63 - 2.26% | 2.862% |
| $100,000.01-$250,000 | 1.22 - 1.63% | 1.884% |
| $50,000.01-$100,000 | 0.95 - 1.22% | 1.490% |
| $2,500.01-$50,000 | 0.00 - 0.95% | 0.995% |
| Balances to $2,500 | 0.00% | 0.000% |
1APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Business Savings and Club Rates
1$5 minimum deposit in Park View RewardsCurrent as of 1/1/2026
| Balance ($5 minimum deposit) | APY2 | Dividend Rate |
|---|---|---|
| Over $25,000 | 0.10% | 0.100% |
| Balances to $25,000 | 0.05% | 0.050% |
1 $5 minimum deposit to open account and earn APY.2APY = Annual Percentage Yield; Dividends are paid quarterly. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change without notice. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
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Business Regular Fixed Rate Certificates
Current as of 1/1/2026| Min. Opening Deposit | Term | APY1 | Dividend Rate |
|---|---|---|---|
| $1,000 | 6 months | 3.65% | 3.601% |
| 1 year | 3.40% | 3.357% | |
| 18 months | 3.30% | 3.260% | |
| 2 years | 3.20% | 3.162% | |
| 30 months | 3.15% | 3.113% | |
| 3 years | 3.10% | 3.065% | |
| 4 years | 2.80% | 2.771% | |
| 5 years | 2.90% | 2.869% | |
| $10,0002 | 32 months | 3.55% | 3.504% |
| $90,000 | 6 months | 3.70% | 3.650% |
| 1 year | 3.45% | 3.406% | |
| 18 months | 3.35% | 3.309% | |
| 2 years | 3.25% | 3.211% | |
| 30 months | 3.20% | 3.162% | |
| 3 years | 3.15% | 3.113% | |
| 4 years | 2.85% | 2.820% | |
| 5 years | 2.95% | 2.918% | |
1APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals on certificates up to 3-year terms, and a 180-day penalty on early withdrawals from 4 and 5 year term certificates. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. 2At renewal, certificate will auto-renew into current one year certificate unless otherwise designated. Certificates are non-transferable and non-negotiable. |
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