Current
Rates
Current Loan Rates Rates effective March 16, 2026 | ||
| LOAN TYPE | TERMS | APR* |
| New & Used Auto Loans | 24-84 months | 5.50% - 18.00% |
| New Boat Loans | 12-144 months | 6.75% - 10.00% |
| Used Boat Loans | 12-144 months | 6.75% - 10.25% |
| RV Loans: Campers, Trailers, Motor Homes | 24-144 months | 7.50% - 10.00% |
| Toy Loans: ATVs, Jet Skis, Motorcycles, Snowmobiles | 24-60 months | 6.50% - 10.25% |
| Aircraft | 12-120 months | 7.25% - 9.25% |
| Personal Loans & Credit Cards | ||
| Certificate Secured Loan (Savings) | Less than 1 year | Rate + 3.0% |
| Certificate Secured Loan (Certificate) | Varies | Rate + 2.0% |
| Signature Loan | 6-36 months | 11.65% - 14.65% |
| Personal Line of Credit | 36 months | Variable |
| VISA Credit Card | N/A | 9.95% - 12.95% |
| Heat Pump Loans (Juneau & Sitka only) | 12-60 months | 5.50% - 7.75% |
| Mortgages | ||
| Home Loans & Mortgages | 180 - 360 months | Call for quote |
| Lot Loans | 60 - 144 months | 8.25% - 10.75% |
| Home Equity Loan | 60 - 144 months | Call for quote |
| Home Equity Line of Credit | No Annual Fee | Call for quote |
*APR is annual percentage rate. All loans subject to a $5 membership deposit, one deposit per member.
Current Deposit Rates and Yields Rates effective January 28, 2026 | ||
| Savings | Nominal Rate | APY* |
| Regular Shares** | 0.10% | 0.10% |
| Youth | Nominal Rate | APY* |
| Youth Shares (ages 0-18) | 4.89% | 5.00% |
| Checking | Nominal Rate | APY* |
| Freedom Checking, Tongass Checking & Fresh Start Checking | 0.00% | 0.00% |
| Tongass Gold Checking | 0.05% | 0.05% |
| Money Market Accounts | Nominal Rate | APY* |
| $500 - $2,499 | 0.40% | 0.40% |
| $2,500-$9,999 | 0.60% | 0.60% |
| $10,000-$24,999 | 0.80% | 0.80% |
| $25,000-$99,99 | 0.80% | 0.80% |
| $100,000-$249,999 | 1.00% | 1.01% |
| $250,000 + | 1.00% | 1.01% |
| Certificates*** | Nominal Rate | APY* |
| Savings Builder Certificate (1 month, renewable, $50 minimum to open, maximum $25,000) LEARN MORE | 3.00% | 3.04% |
| 3 month | 1.00% | 1.01% |
| 6 month | 2.75% | 2.79% |
| 12 month | 3.00% | 3.04% |
| 18 month | 2.70% | 2.73% |
| 24 month | 2.75% | 2.79% |
| 36 month | 2.55% | 2.58% |
| 48 month | 2.55% | 2.58% |
| 60 month | 2.55% | 2.58% |
| Health Savings Accounts | Nominal Rate | APY* |
0.10% | 0.10% | |
| IRA/SEP IRA** (Traditional, Roth, Education SEP accounts) | Nominal Rate | APY* |
| Shares (.10% above regular rate) | 0.20% | 0.20% |
| 12 month | 3.10% | 3.15% |
| 18 month | 2.80% | 2.84% |
| 24 month | 2.85% | 2.89% |
| 36 month | 2.65% | 2.68% |
| 48 month | 2.65% | 2.68% |
| 60 month | 2.65% | 2.68% |
| Minimum $50 to open IRA share, Minimum $500 to open IRA Certificates. | ||
*Annual Percentage Yield. Dividend rates shown here are stated in Annual Percentage Yield - Rates may change monthly ** Basic Share Dividend is declared monthly by the Board of Directors and paid at month end. ***There is a penalty for early withdrawal from a certificate or tax deferred IRA certificate. In the event an early withdrawal lowers the certificate balance below the required minimum, the certificate must be canceled or closed, and the penalty amount will be calculated using the full balance of the certificate.
