Current Rates
 
 

Savings (Share) Accounts

Savings (share) type
Min. balance to earn APY
Dividend rate
APY
Regular Shares
Extra Saver
Summer Savers Club
Christmas Club
$100.00
0.20%
0.20%
Youth Shares
$5.00
0.20%
0.20%
 
Dividends are calculated on a daily balance method and are compounded and credited every quarter. Fees could reduce earnings on all accounts.
 



Individual Retirement Accounts
 
Dividend rate
Annual Percentage Yield
0.45%
0.45%
 
No minimum balance required. The dividend rate and annual percentage yield may change every dividend period. Dividends are calculated on a daily balance method and are compounded and credited every quarter. Early withdrawal subject to penalty. Fees could reduce earnings on all accounts.
 




Money Market Account
 
 
Dividend rate
Annual Percentage Yield
$0.00 - $2499.99
0.00%
0.00%
$2500.00 - $9999.99
0.20%
0.20%
$10000.00 - $24999.99
0.30%
0.30%
$25000.00 - $49999.99
0.35%
0.35%
over $50000.00
0.40%
0.40%
 
Dividends are calculated n a daily balance method and are compounded and credited monthly. $2500.00 minimum balance required to earn the disclosed annual percentage yield. Fees could reduce earnings on all accounts.
 



Certificate Rates
 
Share Certificate
Jumbo Share Certificate
Term
Transferred
Rate
Compounded
Rate
Term
Transferred
Rate
Compunded
Rate
 
Div. rate
APY
Div. rate
APY
 
Div. rate
APY
Div. rate
APY
6 Months
0.45%
0.45%
0.45%
0.45%
6 Months
0.55%
0.55%
0.55%
0.55%
12 Months
0.60%
0.60%
0.60%
0.60%
12 Months
0.70%
0.70%
0.70%
0.70%
24 Months
0.85%
0.85%
0.85%
0.85%
24 Months
0.95%
0.95%
0.95%
0.95%
36 Months
1.00%
1.00%
1.00%
1.00%
36 Months
1.10%
1.10%
1.10%
1.11%
48 Months
1.25%
1.25%
1.25%
1.26%
48 Months
1.35%
1.35%
1.35%
1.36%
60 Months
1.50%
1.50%
1.50%
1.51%
60 Months
1.60%
1.60%
1.60%
1.61%
Term share account with a minimum balance of $1500.00 to earn the quoted APY until maturity. Minimum opening deposit $1500.00. Early withdrawals subject to penalty. Dividends may be compounded or transferred to your share, extra savers or checking account. Fees could reduce earnings on all accounts.
Term share account with a minimum balance of $100000.00 to earn the quoted APY until maturity. Minimum opening deposit $100000.00. Early withdrawals subject to penalty. Dividends may be compounded or transferred to your share, extra savers or checking account. Fees could reduce earnings on all accounts.
 
IRA Certificate
Jumbo IRA Certificate
Term
Div rate
APY
Term
Div rate
APY
12 Months
0.60%
0.60%
12 months
0.70%
0.70%
24 Months
0.85%
0.85%
24 Months
0.95%
0.95%
36 Months
1.00%
1.00%
36 Months
1.10%
1.11%
48 Months
1.25%
1.26%
48 Months
1.35%
1.36%
60 Months
1.50%
1.51%
60 Months
1.60%
1.61%
Term share individual retirement account with $1500.00 minimum balance required to earn the disclosed annual percentage yield until maturity. $1500.00 minimum opening deposit. Dividends are compunded and posted monthly. Early withdrawals are subject to penalty. Fees could reduce earnings on all accounts.
Term share individual retirement account with $100000.00 minimum balance required to earn the disclosed annual percentage yield until maturity. Dividends are compounded in the account and posted monthly. Minimum opening deposit $100000.00. Early withdrawals are subject to penalty. Fees could reduce earnings on all accounts.
 



Reward Checking
 
 
Dividend rate
Annual percentage yield
$0.00 - $10000.00
2.97%
3.01%
over $10000.00
0.20%
3.01% - 0.46% (depending on balance)
 
Dividends are calculated on a daily balance method and are compounded and credited monthly. If the member fails to meet one or more of the qualifications, the member will receive only 0.05% dividend rate on the checking account. Fees could reduce earnings on all accounts.



Visa Credit Cards




Auto Loan

Type
Term
Beginning APR
Auto (new and used)
24
2.65%
Auto (new and used)
36
2.65%
Auto (new and used)
48
2.75%
Auto (new and used)
60
2.85%
Auto (new and used)
66
3.10%
Auto (over $20000.00)
72
3.35%
Auto (over $35000.00)
84
5.04%
 
Annual percentage rates quoted are subject to change. Interest rates may be higher based on an evaluation of your credit performance and a down payment may be required.



ATV / Motorcycle / Jet Ski

Term
Rate
Payment Per $1000
36 Months
3.50%
$29.35
48 Months
3.75%
$22.51
60 Months
3.85%
$18.38
66 Months
3.99%
$16.93
72 Months
4.50%
$15.91


rates quoted are subject to change. Interest rates may be higher based on an evaluation of your credit performance and a down payment may be required.



Mortgage

Rates are current as of today's date

Type of Loan
Rate
30 Year Fixed Rate
call for rate
15 Year Fixed Rate
call for rate
10 Year Fixed Rate
call for rate
Adjustable Rate First Mortgage
call for rate
Fixed Rate Term Second Mortgage
call for rate
Rental Property
call for rate
Land or acreage not in a subdivision*
call for rate
Land secured by a lot in a subdivision*
call for rate
 
*Rate may be higher depending on credit history. Rates are subject to change.
Important information about these rates:
• The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate.
• The following conditions apply:
• The annual percentage rate (APR) is based on specified loan amount for a stated term.
• All loan applications are subject to credit and property approval.
• No subordinate financing permitted.
• Maximum loan limits and minimum equity/down payment requirements apply.
• Other restrictions apply.
• Rates and APRs are subject to change without notice and are affected by loan details such as your unique credit history, loan amount, loan-to-value ratio, property type, occupancy and transaction type.
• For adjustable rate transactions, rates are subject to increase after closing due to market-driven changes in the index.
• Loan program availability is subject to the loan amount.
• Loans must be closed and funded (including expiration of rescission period on refinance loans) on or before the rate lock expiration date.
• In order to lock into an interest rate, you must submit an application and execute a rate lock agreement.




Home Equity Line of Credit

Rates are current as of today's date

Term
Beginning APR
120 Months
4.00%
 
Annual percentage rates (APR) quoted are subject to change. Interest rates may be higher based on an evaluation of your credit performance and a sown payment may be required.




Open End Loans

Loan Type
Annual Percentage Rate
Details
Share Secured
2.70%
This APR will vary with the market based on the Share dividend rate.
Certificate Secured
3.00%
This APR will vary with the market based on the Certificate dividend rate.
AccessLine of Credit
8.90% - 17.90%
This APR will be based on your creditworthiness.
 
Penalty fees:
Late Charge - 5% of amount
Overdraft Advance - $4.00
Skip Payments - $0.00
How we will calculate your balance: We will use a balance computation method called "daily balance". See your Account Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.
Share Secured: The annual percentage rate (APR) for Share Secured advances will be the dividend rate being paid on Shares (Index) on the date of the advance, plus a margin of 2.50%. The rates are subject to change on the day the dividend rate being paid on Shares changes. The APR will never be less than 2.50%. The APR wil never be greater than 18.00%. Any increase in the APR will result in higher payments.
Certificate Secured: The Annual Percentage Rate (APR) for Certificate Secured advances will bethe dividend rate being paid on Certificates (Index) offered as security, plus a margin of 2.50%. The Certificate must be renewed until the advance is completely paid. When the Certificate is renewed, the APR will change to reflect the new dividend rate. The APR will never be less than 2.50%. The APR will never be greater than 18.00%. Any increase in the APR will result in higher payments.
Late Charge: If your installment payment is more than 30 days late, you will be charged a fee of 5% of the payment due.
Overdraft Advance: You will be charged $4.00 for an overdraft advance.
Collections Charge: You promise to pay all costs of collecting the amount you owe under this agreement, including court cost and reasonable attorney fees up to 33%.
Skip Payments: For qualifying members, you may omit making payments during June or July and December or January of each year. However, finance charges (interest) will continue to accrue during those months.
Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. Please ask us for the rate that you qualify for.




Other Loans

Loan Type
Term
Beginning APR
Personal Loan
60
8.90%
Computer Loan (up to $3000.00)
36
9.90%
Boat (up to $7499.99)
36
6.30%
Boat ($7500.00 - $9999.99)
48
6.55%
Boat ($10000.00 - $11999.99)
60
6.80%
Boat ($12000.00 - $14999.99)
84
7.30%
Boat ($15000.00 - $24999.99)
96
7.55%
Boat (over $25000.00)
120
7.80%
RV (up to $24999.99)
84
7.20%
RV ($25000.00 - $74999.99)
120
7.20%
RV ($75000.00 - $150000.00)
180
7.20%
Motorcycles and ATVs are financed using auto loan rates
 
Annual percentage rates (APR) quoted are subject to change. Interest rates may be higher based on an evaluation of your credit performance and a down payment may be required.
 
For more information or to take advantage of our great rates, contact us or visit one of our convenient locations.

   

 

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