[
{
"DepositProducts":[
{
"ShortName":"Share",
"LongName":"Share (Savings)",
"OpeningDeposit":"5",
"Rate":"0.10",
"APY":"0.10",
"EffectiveDate":"09/27/2022",
"URL":"../products/share(savings)-account.html"
},
{
"ShortName":"Checking",
"LongName":"Checking2",
"OpeningDeposit":"0",
"Rate":"0.05",
"APY":"0.05",
"EffectiveDate":"03/02/2021",
"URL":"../products/checking-account.html"
},
{
"ShortName":"MoneyMarket",
"LongName":"Money Market Share",
"OpeningDeposit":"250",
"Rate":"0.60",
"APY":"0.60",
"EffectiveDate":"12/20/2022",
"URL":"../products/money-market-share-account.html"
},
{
"ShortName":"IRA",
"LongName":"IRA/SEP",
"OpeningDeposit":"25",
"Rate":"1.85",
"APY":"1.87",
"EffectiveDate":"02/21/2023",
"URL":"../products/individual-retirement-account.html"
},
{
"ShortName":"HolidayCash",
"LongName":"Holiday Cash Club",
"OpeningDeposit":"0",
"Rate":"0.10",
"APY":"0.10",
"EffectiveDate":"09/27/2022",
"URL":"../products/holiday-cash-club.html"
},
{
"ShortName":"Z-Share",
"LongName":"Zard Share",
"OpeningDeposit":"5",
"Rate":"0.10",
"APY":"0.10",
"EffectiveDate":"09/27/2022",
"URL":"../products/zard-youth-savings-account.html"
},
{
"ShortName":"ZardChecking",
"LongName":"Zard Checking",
"OpeningDeposit":"0",
"Rate":"0.05",
"APY":"0.05",
"EffectiveDate":"03/21/2021",
"URL":"../products/zard-youth-savings-account.html"
},
{
"ShortName":"FATCATShare",
"LongName":"FAT CAT Share3",
"OpeningDeposit":"5",
"Rate":"0.10",
"APY":"0.10",
"EffectiveDate":"09/27/2022",
"URL":"../products/fat-cat-youth-savings-account.html"
}
]
},
{
"NonProfitAccounts":[
{
"ShortName":"NonProfitSavings",
"LongName":"Non-Profit Share (Savings)",
"OpeningDeposit":"10",
"Rate":"0.10",
"APY":"0.10",
"EffectiveDate":"09/27/2022",
"URL":"../products/non-profit-share-savings-account.html"
},
{
"ShortName":"NonProfitMoneyMarket",
"LongName":"Non-Profit Money Market Share",
"OpeningDeposit":"1,000",
"Rate":"0.60",
"APY":"0.60",
"EffectiveDate":"12/20/2022",
"URL":"../products/non-profit-money-market-share-account.html"
}
]
},
{
"ShareTermCertificates":[
{
"ShortName":"stc6Month",
"LongName":"6 Months",
"OpeningDeposit":"250",
"Rate":"3.50",
"APY":"3.50",
"EffectiveDate":"2/11/2026",
"URL":"../products/share-term-certificate.html"
},
{
"ShortName":"stc12Month",
"LongName":"12 Months",
"OpeningDeposit":"250",
"Rate":"3.60",
"APY":"3.60",
"EffectiveDate":"2/11/2026",
"URL":"../products/share-term-certificate.html"
},
{
"ShortName":"stc18Month",
"LongName":"18 Months",
"OpeningDeposit":"250",
"Rate":"3.75",
"APY":"3.75",
"EffectiveDate":"2/11/2026",
"URL":"../products/share-term-certificate.html"
},
{
"ShortName":"stc24Month",
"LongName":"24 Months",
"OpeningDeposit":"250",
"Rate":"3.75",
"APY":"3.75",
"EffectiveDate":"2/11/2026",
"URL":"../products/share-term-certificate.html"
},
{
"ShortName":"stc36Month",
"LongName":"36 Months",
"OpeningDeposit":"250",
"Rate":"3.25",
"APY":"3.25",
"EffectiveDate":"2/11/2026",
"URL":"../products/share-term-certificate.html"
},
{
"ShortName":"stc48Month",
"LongName":"48 Months",
"OpeningDeposit":"250",
"Rate":"3.50",
"APY":"3.50",
"EffectiveDate":"2/11/2026",
"URL":"../products/share-term-certificate.html"
},
{
"ShortName":"stc60Month",
"LongName":"60 Months",
"OpeningDeposit":"250",
"Rate":"3.75",
"APY":"3.75",
"EffectiveDate":"2/11/2026",
"URL":"../products/share-term-certificate.html"
}
]
},
{
"MortgageLending":[
{
"ShortName":"ARM5Y80",
"LongName":"5 Year ARM",
"LoanToValue":"80% or less1,2",
"MaxTerm":"30 Years",
"MaxTermNum":"30",
"InitialRate":"6.500",
"FullyIndexedRate":"6.500",
"APR":"6.596",
"EffectiveDate":"4/1/2025",
"PaymentSixty":"948.09",
"PaymentThreeSixty":"948.09",
"MortLoanIndex":"0.27",
"URL":"../products/adjustable-rate-mortgages.html#80orLessARM"
},
{
"ShortName":"ARM5Y90",
"LongName":"5 Year ARM",
"LoanToValue":"80.1% to 90%1,2",
"MaxTerm":"30 Years",
"MaxTermNum":"30",
"InitialRate":"7.000",
"FullyIndexedRate":"7.000",
"APR":"7.099",
"EffectiveDate":"4/1/2025",
"PaymentSixty":"997.95",
"PaymentThreeSixty":"997.95",
"MortLoanIndex":"0.27",
"URL":"../products/adjustable-rate-mortgages.html#80to90ARM"
},
{
"ShortName":"ARM5Y95",
"LongName":"5 Year ARM",
"LoanToValue":"90.1% to 95%1,2,3",
"MaxTerm":"30 Years",
"MaxTermNum":"30",
"InitialRate":"7.750",
"FullyIndexedRate":"8.250",
"APR":"8.142",
"EffectiveDate":"4/1/2025",
"PaymentSixty":"1,074.62",
"PaymentThreeSixty":"1,121.74",
"MortLoanIndex":"0.27",
"URL":"../products/adjustable-rate-mortgages.html#90to95ARM"
},
{
"ShortName":"Fixed10Y",
"LongName":"10 Year - Fixed Rate",
"LoanToValue":"90% or less3,4",
"MaxTerm":"10 Years",
"MaxTermNum":"10",
"InitialRate":"6.000",
"APR":"6.221",
"PaymentAmt":"1,387.76",
"EffectiveDate":"11/10/2022",
"URL":"../products/fixed-rate-mortgages.html#10yrFixed"
},
{
"ShortName":"Fixed15Y",
"LongName":"15 Year - Fixed Rate",
"LoanToValue":"90% or less3,4",
"MaxTerm":"15 Years",
"MaxTermNum":"15",
"InitialRate":"6.250",
"APR":"6.407",
"PaymentAmt":"1,071.78",
"EffectiveDate":"11/10/2022",
"URL":"../products/fixed-rate-mortgages.html#15yrFixed"
}
]
},
{
"PersonalLending":[
{
"ShortName":"NewVehicle36M",
"LongName":"Up to 36 Months",
"InterestRate":"6.00%",
"MaxTermNum":"36",
"InitialRate":"6.00",
"APR":"6.00%",
"EffectiveDate":"2/19/2026",
"URL":"../products/vehicle-loans.html"
},
{
"ShortName":"NewVehicle60M",
"LongName":"37 to 60 Months",
"InterestRate":"7.25%",
"MaxTermNum":"60",
"InitialRate":"7.25",
"APR":"7.25%",
"EffectiveDate":"2/19/2026",
"URL":"../products/vehicle-loans.html"
},
{
"ShortName":"NewVehicle72M",
"LongName":"61 to 72 Months",
"InterestRate":"7.75%",
"MaxTermNum":"72",
"InitialRate":"7.75",
"APR":"7.75%",
"EffectiveDate":"2/19/2026",
"URL":"../products/vehicle-loans.html"
},
{
"ShortName":"NewVehicle84M",
"LongName":"73 to 84 Months",
"InterestRate":"8.75%",
"MaxTermNum":"84",
"InitialRate":"8.75",
"APR":"8.75%",
"EffectiveDate":"2/19/2026",
"URL":"../products/vehicle-loans.html"
},
{
"ShortName":"UsedVehicle36M",
"LongName":"Up to 36 Months",
"InterestRate":"6.50%",
"MaxTermNum":"36",
"InitialRate":"6.50",
"APR":"6.50%",
"EffectiveDate":"2/19/2026",
"URL":"../products/vehicle-loans.html"
},
{
"ShortName":"UsedVehicle60M",
"LongName":"37 to 60 Months",
"InterestRate":"8.25%",
"MaxTermNum":"60",
"InitialRate":"8.25",
"APR":"8.25%",
"EffectiveDate":"2/19/2026",
"URL":"../products/vehicle-loans.html"
},
{
"ShortName":"UsedVehicle72M",
"LongName":"61 to 72 Months",
"InterestRate":"9.00%",
"MaxTermNum":"72",
"InitialRate":"9.00",
"APR":"9.00%",
"EffectiveDate":"2/19/2026",
"URL":"../products/vehicle-loans.html"
},
{
"ShortName":"ShareSecuredClosedEndFixedRate48M",
"LongName":"Up to 48 Months",
"InterestRate":"5.00%",
"MaxTermNum":"48",
"InitialRate":"5.00",
"APR":"5.00%",
"EffectiveDate":"11/1/2018",
"URL":"../products/share-secured-loan.html"
},
{
"ShortName":"STCFixedRate",
"LongName":"Up to 60 Months6",
"InterestRate":"STC rate plus 2.00% (rounded up to nearest percent)",
"MaxTermNum":"60",
"InitialRate":"2.00",
"APR":"STC rate plus 2.00% (rounded up to nearest percent)",
"EffectiveDate":"11/1/2018",
"URL":"../products/stc-term-note.html"
},
{
"ShortName":"OpenEndSignature",
"LongName":"N/A",
"InterestRate":"15.00%",
"MaxTermNum":"",
"InitialRate":"15.00",
"APR":"15.00%",
"EffectiveDate":"11/1/2018",
"URL":"../products/open-end-variable-rate-signature.html"
},
{
"ShortName":"CloseEndSignature24M",
"LongName":"Up to 24 Months",
"InterestRate":"10.00%",
"MaxTermNum":"24",
"InitialRate":"10.00",
"APR":"10.00%",
"EffectiveDate":"2/19/2026",
"URL":"../products/closed-end-fixed-rate-signature.html"
},
{
"ShortName":"CloseEndSignature36M",
"LongName":"25 to 36 Months",
"InterestRate":"11.75%",
"MaxTermNum":"36",
"InitialRate":"11.75",
"APR":"11.75%",
"EffectiveDate":"2/19/2026",
"URL":"../products/closed-end-fixed-rate-signature.html"
},
{
"ShortName":"CloseEndSignature48M",
"LongName":"37 to 48 Months",
"InterestRate":"12.75%",
"MaxTermNum":"48",
"InitialRate":"12.75",
"APR":"12.75%",
"EffectiveDate":"2/19/2026",
"URL":"../products/closed-end-fixed-rate-signature.html"
},
{
"ShortName":"CloseEndSignature60M",
"LongName":"49 to 60 Months",
"InterestRate":"14.75%",
"MaxTermNum":"60",
"InitialRate":"14.75",
"APR":"14.75%",
"EffectiveDate":"2/19/2026",
"URL":"../products/closed-end-fixed-rate-signature.html"
}
]
},
{
"NonProfitStcAccounts":[
{
"ShortName":"NPstc6Month",
"LongName":"6 Months",
"OpeningDeposit":"250",
"Rate":"3.50",
"APY":"3.50",
"EffectiveDate":"02/11/2026",
"URL":"../products/share-term-certificate.html"
},
{
"ShortName":"NPstc12Month",
"LongName":"12 Months",
"OpeningDeposit":"250",
"Rate":"3.60",
"APY":"3.60",
"EffectiveDate":"02/11/2026",
"URL":"../products/share-term-certificate.html"
},
{
"ShortName":"NPstc24Month",
"LongName":"24 Months",
"OpeningDeposit":"250",
"Rate":"3.75",
"APY":"3.75",
"EffectiveDate":"02/11/2026",
"URL":"../products/share-term-certificate.html"
}
]
}
]