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RatesOur rates, out in the open.
No "call for a quote" games. Here is what we pay on savings and what we charge on loans, in plain numbers.
Effective October 1, 2026
Savings and money market
Dividends are paid monthly. Rates are APY.
| Account | Balance | APY |
|---|---|---|
| Share savings | Any balance | 0.50% |
| Money market | $2,500 to $24,999 | 1.75% |
| Money market | $25,000 and up | 2.25% |
| Youth savings (under 18) | First $1,000 | 3.00% |
| Youth savings (under 18) | Over $1,000 | 0.50% |
| Holiday club | Any balance | 1.00% |
Swipe the table sideways to see every column.
Certificates
Minimum to open is $500. Early withdrawal penalties apply. Rates are APY.
| Term | Minimum | APY |
|---|---|---|
| 6 months | $500 | 3.75% |
| 12 months | $500 | 4.20% |
| 24 months | $500 | 4.00% |
| 36 months | $500 | 3.85% |
| 60 months | $500 | 3.80% |
| 12 month IRA certificate | $500 | 4.25% |
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Auto loans
Rates are APR with autopay from a Lanternway account. Without autopay, add 0.25%.
| Loan | Term | APR as low as |
|---|---|---|
| New vehicle | Up to 36 months | 5.29% |
| New vehicle | 37 to 60 months | 5.49% |
| New vehicle | 61 to 72 months | 5.99% |
| Used vehicle | Up to 36 months | 5.69% |
| Used vehicle | 37 to 60 months | 5.89% |
| Used vehicle | 61 to 72 months | 6.39% |
| Refinance from another lender | Up to 60 months | 5.79% |
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Mortgage and home equity
Rate and APR shown. APR includes sample fees. Rates change often.
| Loan | Rate | APR |
|---|---|---|
| 30 year fixed | 6.375% | 6.512% |
| 20 year fixed | 6.125% | 6.290% |
| 15 year fixed | 5.625% | 5.780% |
| 5/6 adjustable | 5.750% | 6.610% |
| Home equity loan, 10 years | 7.100% | 7.180% |
| Home equity line (variable) | 7.250% | 7.250% |
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Personal loans
Rates are APR. Your rate depends on credit and term.
| Loan | Term | APR range |
|---|---|---|
| Signature loan | 12 to 60 months | 8.90% to 14.90% |
| Share secured loan | Up to 60 months | 3.50% above savings rate |
| Credit builder loan | 12 or 24 months | 6.00% |
| Overdraft line of credit | Revolving | 14.90% |
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Credit cards
Rates are variable APR. Your rate depends on credit. No annual fee on any card.
| Card | Best for | APR range |
|---|---|---|
| Lantern Rewards | Earning points | 14.90% to 21.90% |
| Everyday Low | Carrying a balance | 11.90% to 17.90% |
| Starter Secured | Building credit | 13.90% |
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Disclosures
APY stands for annual percentage yield. It is what you earn over a year, including dividends that compound. APR stands for annual percentage rate. It is the yearly cost of a loan.
Dividend rates on savings and money market accounts can change after you open the account. Certificate rates are fixed for the term. A penalty may be charged for early withdrawal and could reduce your earnings.
Loan rates shown are the lowest sample rates for well-qualified borrowers. Your rate depends on credit history, loan term, and other factors. Autopay discounts need a Lanternway checking account. Mortgage APRs include sample points and fees. Home equity lines are variable.
Federally insured by NCUA. Equal Housing Opportunity. Membership required. See a branch or contact us for full terms.