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%
18 Months
1.24%
1.24%
1.25%
1.25%
18 Months
1.24%1.24%1.25%1.25%
24 Months
0.95%
0.95%
0.95%
0.95%
24 Months
1.05%
1.05%
1.05%
1.06%
36 Months
1.35%
1.35%
1.35%
1.36%
36 Months
1.45%
1.45%
1.45%
1.46%
48 Months
1.65%
1.65%
1.65%
1.66%
48 Months
1.75%
1.75%
1.75%
1.76%
60 Months
1.88%
1.90%
1.88%
1.90%
60 Months
1.98%
2.00%
1.98%
2.00%
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
9 Months
0.99%0.99%9 Months
1.08%
1.09%
12 Months
0.60%
0.60%
12 months
0.70%
0.70%
24 Months
0.95%
0.95%
24 Months
1.05%
1.06%
36 Months
1.35%
1.36%
36 Months
1.45%
1.46%
48 Months
1.65%
1.66%
48 Months
1.75%
1.76%
60 Months
1.88%
1.90%
60 Months
1.98%
2.00%
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
2.47%
2.50%
over $10000.00
0.20%
0.20%
 
 

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*
Payment per $1000
Auto (new and used)
24
1.99%
$42.58
Auto (new and used)
36
1.99%
$28.64
Auto (new and used)
48
2.09%
$21.76
Auto (new and used)
60
2.19%
$17.63
Auto (new and used)
66
2.44%
$16.23
Auto (over $20000.00)
72
2.69%
$15.08
Auto (over $35000.00)
84
4.38%
$13.88
 


*APR = Annual Percentage Rate.  Annual percentage rates, terms and availability may differ based upon evaluation of credit.  Rates above are subject to change and are based on a 0.25% protection package discount requiring one of the following:  subscription to Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation or opening of a new Neighbors checking account.  Additional loan rates and terms may be available.  Other restrictions may apply.
 




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

Loan Type
Interest Rate
Points
APR
10 Year Fixed Rate Mortgage*
2.750%
0%
2.928%
15 Year Fixed Rate Mortgage*
3.500%
0%
3.580%
20 Year Fixed Rate Mortgage*
4.250%
0%
4.314%
30 Year Fixed Rate Mortgage*
4.500%
0%
4.547%
Land (Lot in a Subdivision)**
5.500%
1%
5.911%
Land or Acreage**
9.000%
1%
9.441%


 

Rates quoted are not locked in and are subject to change. Rates are not locked until a rate lock acknowledgement has been signed.

The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. Interest rates and APRs are based on current market rates and are for informational purposes only. Rates are subject to change without notice and APR (Annual Percentage Rate) calculations are based on certain assumptions related to closing costs and fees.

*For the APRís listed, the calculation is based on a loan amount of $250,000, excellent credit, an owner occupied property, a 95% combined loan-to-value ratio, and does not include taxes and insurance Ė actual obligations will be greater. Based on this example, monthly payments of principal + interest only would be $2,385.28 for a 10 year loan, $1,581.62 for a 15 year loan, 1,548.09 for a 20 year loan and $1,266.71 for a 30 year loan.

**For the APRís listed, the calculation is based on a loan amount of $100,000, excellent credit, a 95% combined loan-to-value ratio, and does not include taxes and insurance Ė actual obligations will be greater. Based on this example, monthly payments of principal + interest only would be $1,085.26 for a 10 year land (lot in a subdivision) loan and $1,266.76 for a 10 year land or acreage loan. If approved, your terms may vary based upon your specific situation.

Maximum loan limits and minimum equity/down payment requirements apply.

 





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
Access Line of Credit
6.90% - 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.
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.
 





Recreational Vehicles

 
Loan Type
Applicable
Year Model

Term
Beginning APR*
Payment
per $1,000

Boat
(min $7500)
2008 - 2014
47
4.50%
$23.30
Boat
(min $10000)
2009 - 2014
72
4.89%$16.09
Boat
(min $15000)
2001 - 2014
845.25%$14.29
Boat
(min $20000)
2013 - 2014
1205.89%$11.08
Motorhome
(min $$7500)
2008 - 2014
24 - 84
7.20%$15.24
Motorhome
(min $25000)
2009 - 2014
85 - 1207.20%$11.76
Motorhome
($75000 - $150000)
2011 - 2014
up to 120
7.20%$9.14
Travel Trailer / 5th Wheels
(min $4000)
2008 - 2014
474.25%$23.18
 Travel Trailer / 5th Wheels
(min $10000)
2008 - 2014
724.50%$15.91
Travel Trailer / 5th Wheels
(min $12000)
2009 - 2014
844.75%$14.05
Travel Trailer / 5th Wheels
(min $15000)
2011 - 2014
965.00%$12.69
Travel Trailers / 5th Wheels
(min $20000)
2013 - 2014
1205.25%New Cell
 

 

*APR = Annual Percentage Rate.  Annual percentage rates, terms and availability may differ based upon evaluation of credit.  Rates above are subject to change and are based on a 0.25% protection package discount requiring one of the following:  subscription to Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation or opening of a new Neighbors checking account.  Additional loan rates and terms may be available.  Other restrictions may apply.







Other Loans

 
Loan Type
Term / Details
Beginning APR
Personal Loan
60
6.90%
Computer Loan (up to $3000.00)
36
9.90%
Share Secured
This APR will vary with the market based on the Share dividend rate.2.70%
Certificate Secured
This APR will vary with the market based on the Certificate dividend rate.
3.00%
 
 

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

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.
 

 
For more information or to take advantage of our great rates, contact us or visit one of our convenient locations.

   

 

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