Paint the picture of forever with a retirement savings that matures with you
Invest in your golden years with green that earns competitive dividends without the fees.
Benefits You'll Love
- Enjoy enhanced access to funds
- Earn higher dividends than with a regular savings
- No setup, monthly, or annual fees
- Receive possible tax advantages*
- Competitive dividends above standard savings rates**
- No setup fees
- No monthly or annual maintenance fees
- No income limits to open
- No minimum contribution requirement
- $6,500 contribution limit per year (as of 2023)
- Contributions are tax deductible on state and federal income tax*
- Additional $1,000 "catch-up" contribution allowed for ages 50+
- Funds can be used to purchase share certificates within IRA
- Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
- Withdrawals can begin at age 59½
- Early withdrawals subject to penalty***
- Mandatory withdrawals at age 70
- $1,000 minimum deposit to open
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*Subject to some minimal conditions. Consult a tax advisor.
**Applies if placed in a CD.
***Certain exceptions apply, such as healthcare, purchasing first home, etc.
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Checking (Share Draft) Account
| Account Type | Rate | APY | Requirements |
|---|---|---|---|
| Cherokee Checking | 0.05% | 0.05% | $300.00 minimum (below minimum fee $3.00) |
| Cherokee Checking Plus | 0.05% | 0.05% | $2,500.00 minimum |
| Cherokee Checking Bonus | 0.10% | 0.10% | $2,500.00 minimum No more than 6 Withdrawals a month |
IRA Term Share Accounts
| Length | Requirement | Rate | APY |
|---|---|---|---|
| 12 Month | $1,000.00 Minimum | 1.80% | 1.81% |
| 24 Month | $1,000.00 Minimum | 1.80% | 1.81% |
| 26 Month | $25,000.00 Minimum | 2.00% | 2.01% |
New Auto Loans
| Beacon Score | Up to $35,000.00 Up to 72 months Secured loan All rates stated APR |
Over $35,000.01 *84 months Secured loan All rates stated APR |
|---|---|---|
| 720+ | 5.90% | 6.40% |
| 680-719 | 6.90% | 7.40% |
| 640-679 | 7.90% | 8.40% |
| 600-639 | 11.15% | 11.65% |
| 555-599 | 15.15% | 15.65% |
| 554 & below | 17.15% | 17.65% |
Share & IRA Savings Dividends
| Account Type | Balance | Rate | APY |
|---|---|---|---|
| Share Savings/IRA Savings | $100.00 - $2,500.00 | 0.10% | 0.10% |
| " " | $2,500.01 - $5,000.00 | 0.20% | 0.20% |
| " " | $5,000.01 - $10,000.00 | 0.25% | 0.25% |
| " " | $10,000.01 - $25,000.00 | 0.30% | 0.30% |
| " " | $25,000.01 and Up | 0.35% | 0.35% |
| Escrow Savings | 0.00% | 0.00% |
Rates declared quarterly based on Credit Union earnings. Quarter ending 3/31/2025.
Share Certificates
| Length | Requirement | Rate | APY |
|---|---|---|---|
| 12 Month | $1,000.00 Minimum | 1.80% | 1.81% |
| 24 Month | $1,000.00 Minimum | 1.80% | 1.81% |
| 26 Month | $25,000.00 Minimum | 2.00% | 2.01% |
Unsecured Loans
| Beacon Score | *Unsecured Loans |
|---|---|
| 720+ | 9.00% |
| 680-719 | 10.00% |
| 640-679 | 11.00% |
| 600-639 | 14.00% |
| 555-599 | 16.00% |
| 554 & below | 18.00% |
Used Auto Loans
| Vehicle Age | Term |
Beacon Score |
All rates stated APR |
|---|---|---|---|
| 1 Yr. Old | 72 months | 720+ | 6.70% |
| 2 Yrs. Old | 72 months | 680-719 | 7.70% |
| 3 Yrs. Old | 72 months | 640-679 | 8.70% |
| 4 Yrs. Old | 60 months | 600-639 | 11.95% |
| 5 Yrs. Old | 60 months | 555-599 | 15.95% |
| 6 Yrs. Old | 48 months | 554 & below | 17.95% |
| 7 Yrs. Old | 48 months |