Rates
CD + IRA Rates
Rates are effective as of July 14, 2025
| Type of Account* | Min Deposit | Minimum Balance to Earn Annual Percentage Yield | Interest Rate | APY^ | Website Order | Last Modified |
|---|---|---|---|---|---|---|
| 6 Month Penalty-Free CD + IRA | $500 | $500 | 3.06% | 3.10% | 0 | December 19, 2024 |
| 6 Month CD & IRA Special | $500 | $500 | 3.78% | 3.85% | 20 | February 24, 2025 |
| 1 Year CD & IRA Special | $500 | $500 | 3.59% | 3.65% | 30 | June 6, 2025 |
| 1.5 Year CD & IRA Special | $500 | $500 | 3.25% | 3.30% | 40 | July 10, 2025 |
| 6 Month CD & IRA | $500 | $500 | 0.20% | 0.20% | 50 | September 12, 2022 |
| 1 Year CD & IRA | $500 | $500 | 0.35% | 0.35% | 60 | July 14, 2025 |
| 1.5 Year CD & IRA | $500 | $500 | 0.30% | 0.30% | 70 | July 15, 2024 |
| 2 Year CD & IRA | $500 | $500 | 0.40% | 0.40% | 80 | January 4, 2024 |
| 2.5 Year CD & IRA | $500 | $500 | 0.45% | 0.45% | 85 | September 12, 2022 |
| 3 Year CD & IRA | $500 | $500 | 0.55% | 0.55% | 90 | December 3, 2024 |
| 4 Year CD & IRA | $500 | $500 | 0.65% | 0.65% | 100 | January 26, 2021 |
| 5 Year CD & IRA | $500 | $500 | 0.75% | 0.75% | 110 | January 26, 2021 |
| IRA Money Market | $500 | $ 25- $24,999 | .10% | .10% | 120 | December 14, 2020 |
| $500 | $25,000 - $49,000 | 0.15% | 0.15% | 130 | December 14, 2020 | |
| $500 | $50,000 - $99,999 | 0.25% | 0.25% | 140 | December 14, 2020 | |
| $500 | $100,000 - $199,999 | 0.30% | 0.30% | 150 | December 14, 2020 | |
| $500 | $200,000 & over | 0.35% | 0.35% | 160 | December 14, 2020 |
* A penalty will be imposed for early withdrawal
^Annual Percentage Yield, which assumes the interest will remain on deposit until maturity
Savings Rates
Rates are effective as of July 14, 2025
| Type of Account* | Minimum to Open | Minimum Balance to Earn Annual Percentage Yield | Interest Rate | APY^ | Website Order | Last Modified |
|---|---|---|---|---|---|---|
| Money Market* | $2,500 | $25,000 - $49,999 | 0.10% | 0.10% | 10 | October 1, 2021 |
| $2,500 | $50,000 - $99,999 | 0.15% | 0.15% | 20 | October 1, 2021 | |
| $2,500 | $100,000 & over | 0.20% | 0.20% | 30 | October 1, 2021 | |
| Money Market Complete* | $2,500 | $25 - $24,999 | 0.10% | 0.10% | 40 | February 17, 2023 |
| $2,500 | $25,000 - $49,999 | 0.15% | 0.15% | 50 | February 17, 2023 | |
| $2,500 | $50,000 - $99,999 | 0.25% | 0.25% | 60 | February 17, 2023 | |
| $2,500 | $100,000 - $199,999 | 1.39% | 1.40% | 70 | December 19, 2024 | |
| $2,500 | $200,000 & over | 1.39% | 1.40% | 80 | December 19, 2024 | |
| $2,500 | $500,000 & over | 2.13% | 2.15% | 90 | December 19, 2024 | |
| Christmas Club | $1 | $1 - $5,200 | 1.49% | 1.50% | 90 | June 25, 2025 |
| $1 | $5,200.01 & over | 1.49% | 1.50% | 95 | January 14, 2025 | |
| Passbook/Statement Savings* | $25 | $25 - $2,499 | 0.05% | 0.05% | 100 | December 14, 2020 |
| $25 | $2,500 - $24,999 | 0.10% | 0.10% | 110 | December 14, 2020 | |
| $25 | $25,000 - $149,999 | 0.10% | 0.10% | 120 | December 14, 2020 | |
| $25 | $150,000 & over | 0.15% | 0.15% | 130 | December 14, 2020 | |
| Health Savings Account* | $25 | $25 - $4,999 | 2.22% | 2.25% | 140 | July 14, 2025 |
| $25 | $5,000 - $9,999 | 2.22% | 2.25% | 150 | July 10, 2025 | |
| $25 | $10,000 & over | 2.22% | 2.25% | 160 | December 18, 2024 |
* This is a variable rate account. Rates may change after the account is opened. Rates are subject to change daily. Fees could reduce earnings.
^ Annual Percentage Yield
Checking Rates
Rates are effective as of July 14, 2025
| Type of Account | Minimum to Open | Minimum Balance to Earn Annual Percentage Yield | Interest Rate | APY^ | Website Order | Last Modified |
|---|---|---|---|---|---|---|
| Click Connect | $25.00 | N/A | N/A | N/A | 10 | May 9, 2024 |
| Classic Connect* | $25.00 | N/A | N/A | N/A | 20 | October 28, 2024 |
| Choice Connect* | $25.00 | $100 - $499 | 0.15% | 0.15% | 30 | June 25, 2025 |
| $25.00 | $500 - $2,499 | 0.25% | 0.25% | 40 | January 30, 2025 | |
| $25.00 | $2,500 - $4,999 | 0.35% | 0.35% | 50 | December 3, 2024 | |
| $25.00 | $5,000 - $14,999.99 | 0.40% | 0.40% | 60 | July 10, 2025 | |
| $25.00 | $15,000 + | 0.50% | 0.50% | 70 | July 14, 2025 | |
| Non-Profit N.O.W. Checking* | $25.00 | $25 & Over | 0.10% | 0.10% | 80 | October 20, 2022 |
* This is a variable rate account. Rates may change after the account is opened. Rates are subject to change daily. Fees could reduce earnings.
^ Annual Percentage Yield
Personal Loans
Rates are effective as of July 10, 2025
| Loan+ | Description | Type | Rate | APR^ | Website Order | Last Modified |
|---|---|---|---|---|---|---|
| Personal | Unsecured | Fixed | 18.000% | 24.920% | 10 | July 10, 2025 |
^ Annual Percentage Rate
Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%.
+Each loan type is subject to credit approval
Auto Loans
Rates are effective as of July 14, 2025
| Loan+ | Term | Payments | Type | Rate | Monthly Payment* | Points | APR^ | Website Order | Last Modified |
|---|---|---|---|---|---|---|---|---|---|
| 2024 and newer | 7 Yr | 84 | Fixed | 7.250% | $304.30 | 0 | 7.382% | 10 | April 30, 2025 |
| 2023 and newer | 6 Yr | 72 | Fixed | 7.375% | $344.59 | 0 | 7.527% | 20 | April 30, 2025 |
| 2021 and newer | 5 Yr | 60 | Fixed | 6.500% | $391.32 | 0 | 6.678% | 30 | April 30, 2025 |
| 2019 and newer | 4 Yr | 48 | Fixed | 6.375% | $473.15 | 0 | 6.594% | 40 | July 14, 2025 |
| 2018 and older | 3 Yr | 36 | Fixed | 7.250% | $619.83 | 0 | 7.538% | 50 | June 25, 2025 |
* Monthly payment based on a loan amount of $20,000
^ Annual Percentage Rate
Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%. Rates are subject to change without notice. Consult a tax advisor regarding the deductibility of interest.
+Each loan type is subject to credit approval
Mobile Home Loans
Rates are effective as of July 14, 2025
| Loan+ | Term | Type | Rate | Monthly Payment* | Points | APR^ | Website Order | Last Modified |
|---|---|---|---|---|---|---|---|---|
| Mobile Home | 20 Yr | Fixed | 7.000% | $1,938.25 | 0 | 7.079% | 10 | July 14, 2025 |
* Monthly payment based on a loan amount of $250,000
^ Annual Percentage Rate
Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%. The ‘Monthly payment based on a loan amount of $250,000’ figures quoted above do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Rates are subject to change without notice. Consult a tax advisor regarding the deductibility of interest.
+Each loan type is subject to credit approval
Home Equity Loans
Rates are effective as of July 14, 2025
| Loan+ | Term | Website Order | Type | Rate | Monthly Payment* | APR^ | Last Modified |
|---|---|---|---|---|---|---|---|
| Home Equity Loan | 5 Yr | 10 | Fixed | 6.500% | $1,956.61 | 6.502% | July 14, 2025 |
| 10 Yr | 20 | Fixed | 6.500% | $1,135.48 | 6.501% | June 25, 2025 | |
| 15 Yr | 30 | Fixed | 6.625% | $877.99 | 6.626% | June 25, 2025 | |
| Home Equity Line of Credit** | Open Ended | 40 | Adj. | 7.250% | Greater of $75.00 or Accrued Interest | 7.250% | January 30, 2025 |
* Monthly payment based on a loan amount of $100,000
^ Annual Percentage Rate
**Home Equity Line of Credit: This is a variable rate loan, so the Annual Percentage Rate may vary. The maximum APR that can be imposed is 18%. Fees may be higher if appraisal is required. Rates are subject to change without notice. Consult a tax advisor regarding the deductibility of interest.
Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%.
Property insurance is required.
+Each loan type is subject to credit approval
Construction Loans
Rates are effective as of July 14, 2025
| Loan Type+ | Term | Type | Rate | Monthly Payment* | Points | APR^ | Last Modified |
|---|---|---|---|---|---|---|---|
| Construction Mobile Home | 31 Year | Fixed | 7.375% | $1,726.69 | 0 | 7.970% | June 25, 2025 |
| Construction Only | 1 Year | Fixed | 7.375% | $768.23 | 0 | 11.849% | July 14, 2025 |
| Construction to Permanent | 31 Year | Fixed | 7.375% | $1,726.69 | 0 | 7.979% | April 30, 2025 |
| 21 Year | Fixed | 7.175% | $1,964.60 | 0 | 7.934% | July 10, 2025 | |
| 16 Year | Fixed | 6.750% | $2,212.27 | 0 | 7.643% | June 6, 2025 | |
| January 1, 1970 |
* Monthly payment based on a loan amount of $250,000
^ Annual Percentage Rate
Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%. The ‘Monthly payment based on a loan amount of $250,000’ figures quoted above do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
Rates are subject to change without notice
Consult a tax advisor regarding the deductibility of interest
+Each loan type is subject to credit approval
MORTGAGE + LAND LOANS
Rates are effective as of July 14, 2025
| Loan+ | Term | Type | Rate | Monthly Pmt* | Number of Pmts | Points# | APR^ | Website Order | Last Modified |
|---|---|---|---|---|---|---|---|---|---|
| First Mortgage - Secondary Mkt | 15 Yr | Fixed | 6.125% | $2,126.56 | 180 | 0 | 6.221% | 10 | July 10, 2025 |
| 20 Yr | Fixed | 6.750% | $1,900.91 | 240 | 0 | 6.828% | 20 | July 10, 2025 | |
| 30 Yr | Fixed | 7.000% | $1,663.26 | 360 | 0 | 7.061% | 30 | July 10, 2025 | |
| First Mortgage - Portfolio | 15 Yr | Fixed | 6.875% | $2,229.64 | 180 | 0 | 6.973% | 40 | July 14, 2025 |
| 20 Yr | Fixed | 7.375% | $1,994.92 | 240 | 0 | 7.455% | 50 | June 6, 2025 | |
| 30 Yr | Fixed | 7.500% | $1,748.04 | 360 | 0 | 7.562% | 60 | April 30, 2025 | |
| Land Loan Only | 15 Yr | Fixed | 7.250% | $912.86 | 180 | 1 | 7.665% | 70 | June 25, 2025 |
| Investment Property 1-4 Family Secondary Market Eligible Only | 15 Yr | Fixed | 6.875% | $2,229.64 | 180 | 0 | 6.973% | 80 | April 30, 2025 |
| 20 Yr | Fixed | 7.000% | $1,938.25 | 240 | 0 | 7.079% | 90 | April 30, 2025 | |
| 30 Yr | Fixed | 7.375% | $1,726.69 | 360 | 0 | 7.437% | 100 | April 30, 2025 |
* Monthly payment based on a loan amount of $250,000
^ Annual Percentage Rate
Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%. The ‘Monthly payment per $250,000 borrowed’ figures quoted above do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
Rates are subject to change without notice
Consult a tax advisor regarding the deductibility of interest
+Each loan type is subject to credit approval
Recreational Vehicle Loans – ATV, Snowmobile, Tractor, Jet Ski
Rates are effective as of July 14, 2025
| Loan Type+ | Term | Type | Minimum Loan Amount | Rate** | APR^ | Minimum Down Payment | Monthly Payment Per Minimum Loan Amount* | Number of Payments | Website Order | Last Modified |
|---|---|---|---|---|---|---|---|---|---|---|
| New | 3 Yr | Fixed | $5,000 | 8.250% | 9.420% | 0 | $157.26 | 36 | 10 | July 14, 2025 |
| 4 Yr | Fixed | $10,000 | 8.500% | 8.946% | 0 | $246.48 | 48 | 20 | July 14, 2025 | |
| 5 Yr | Fixed | $25,000 | 8.750% | 8.895% | 0 | $515.93 | 60 | 30 | July 14, 2025 | |
| 6 Yr | Fixed | $35,000 | 9.000% | 9.088% | 0 | $630.89 | 72 | 40 | August 27, 2024 | |
| Used - Maximum Age: 3 Model Years | 5 Yr | Fixed | $35,000 | 8.500% | 8.604% | 0 | $718.08 | 60 | 50 | July 14, 2025 |
| Used - Maximum Age: 4 Model Years | 4 Yr | Fixed | $25,000 | 9.000% | 9.179% | 0 | $622.13 | 48 | 60 | July 14, 2025 |
| Used - Maximum Age: 5 Model Years | 3 Yr | Fixed | $10,000 | 9.250% | 9.835% | 0 | $319.16 | 36 | 70 | July 14, 2025 |
| Used - Maximum Age: 6 Model Years | 2 Yr | Fixed | $5,000 | 9.000% | 10.713% | 0 | $228.42 | 24 | 80 | July 14, 2025 |
^ Annual Percentage Rate
* Payment is calculated based on the minimum loan amount required per term
** Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 0.25%.
+ Each Loan Type is subject to credit approval
Recreational Vehicle Loans – Boats, RVs
Rates are effective as of July 15, 2025
| Loan Type+ | Term | Type | Minimum Loan Amount | Rate** | APR^ | Minimum Down Payment | Monthly Payment Per Minimum Loan Amount* | Number of Payments | Last Modified |
|---|---|---|---|---|---|---|---|---|---|
| 5 Yr | Fixed | $35,000 | 8.750% | 8.854% | 0 | $722.30 | 60 | July 15, 2025 | |
| Used - Maximum Age: 10 Model Years | 3 Yr | Fixed | $10,000 | 9.250% | 9.835% | 0 | $319.16 | 36 | July 14, 2025 |
| Used - Maximum Age: 7 Model Years | 4 Yr | Fixed | $15,000 | 9.000% | 9.298% | 0 | $373.28 | 48 | July 14, 2025 |
| Used - Maximum Age: 5 Model Years | 6 Yr | Fixed | $65,000 | 8.500% | 8.547% | 0 | $1,155.59 | 72 | July 14, 2025 |
| New | 4 Yr | Fixed | $10,000 | 8.000% | 8.445% | 0 | $244.13 | 48 | July 14, 2025 |
| 6 Yr | Fixed | $25,000 | 8.500% | 8.623% | 0 | $444.46 | 72 | July 14, 2025 | |
| 7 Yr | Fixed | $35,000 | 8.750% | 8.827% | 0 | $558.69 | 84 | July 14, 2025 | |
| 10 Yr | Fixed | $50,000 | 9.000% | 9.040% | 0 | $633.38 | 120 | January 14, 2025 | |
| 15 Yr | Fixed | $65,000 | 9.250% | 9.272% | 0 | $668.97 | 180 | July 14, 2025 | |
| 5 Yr | Fixed | $15,000 | 8.250% | 8.492% | 0 | $305.94 | 60 | July 14, 2025 |
^ Annual Percentage Rate
* Payment is calculated based on the minimum loan amount required per term
** Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 0.25%.
+ Each Loan Type is subject to credit approval