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Rates

All rates effective 10/1/2020. All rates subject to change without notice.

Savings Rates

Account

Dividend Rate

APY (Annual Percentage Yield)

Regular Savings Share Accounts

0.20%

0.20%

IRA Share Accounts

0.75%

0.75%

Checking Accounts

.05%

.05%

APY (Annual Percentage Yield). Fees could reduce earnings. $25 minimum opening deposit for checking accounts; $5 minimum opening deposit for IRA Share Accounts.

 

Certificate Rates

Term

Dividend Rate
($500-$99,999)

APY
($500-$99,999)

Jumbo Dividend Rate
($100,000 or more)

Jumbo APY
($100,000 or more)

6 months

0.25%

0.25%

0.35%

0.35%

12 months

0.50%

0.50%

0.60%

0.60%

24 months

0.60%

0.60%

.70%

.70%

36 months

0.70%
BUMP UP OPTION : 0.60%

0.70%
BUMP UP OPTION: 0.60%

0.80%
BUMP UP OPTION: 0.70%

0.80%
BUMP UP OPTION: 0.70%

48 months

0.80%
BUMP UP OPTION: 0.70%

0.80%
BUMP UP OPTION: 0.70%

0.90%
BUMP UP OPTION: 0.80%

0.90%
BUMP UP OPTION: 0.80%

60 months

0.90%
BUMP UP OPTION: 0.80%

0.90%
BUMP UP OPTION: 0.80%

1.00%
BUMP UP OPTION: 0.90%

1.00%
BUMP UP OPTION: 0.90%

Offering rates may change. Minimum $500 deposit required for certificate accounts.  Fees may reduce earnings. Penalties may apply for early withdrawals from certificate accounts. With a Bump Up Option, elect to increase the dividend rate of the Bump Up certificate one (1) time during the term of the certificate.

 

New or Used Vehicle Loans

Cars, Trucks and Motorcycles: Up to 80% Loan-to-Value Ratio

Term

APR1 (Annual Percentage Rate)

Monthly Payment per $1,000

24 months

1.95%

$42.52

36 months

2.25%

$28.76

48 months

2.75%

$22.03

60 months

3.25%

$18.08

72 months

3.45%

$15.40

84 months

4.85%

$14.07


Cars, Trucks and Motorcycles: 81% to 100% Loan-to-Value Ratio

Term

APR1 (Annual Percentage Rate)

Monthly Payment per $1,000

24 months

2.15%

$42.61

36 months

2.45%

$28.84

48 months

2.95%

$22.12

60 months

3.45%

$18.17

72 months

3.65%

$15.49

84 months

5.05%

$14.16

New or Used RV Loans

RV: Up to 80% Loan-to-Value Ratio

Term

APR1 (Annual Percentage Rate)

36 months

3.50%

48 months

3.75%

60 months

4.00%

72 months

4.25%

120 months

5.25%

180 months

6.50%

Max. term for loans less than $20,000 will be 36 months; Minimum loan amount of $10,000. Maximum loan amount of $200,000. No models older than 5 years old

RV: 81% to 110% Loan-to-Value Ratio

Term

APR1 (Annual Percentage Rate)

36 months

4.00%

48 months

4.25%

60 months

4.50%

72 months

4.75%

120 months

5.75%

180 months

7.00%

Max. term for loans less than $20,000 will be 36 months; Minimum loan amount of $10,000. Maximum loan amount of $200,000. No Models older than 5 years old.

Credit Cards

Account

Term

APR

Mastercard® Platinum

Open-end

7.50%

Mastercard® Rewards World

Open-end

9.50%

 

Secured Personal Loans

Account

Term

APR

Share/TSA

Up to 120 months

2% above dividend rate

Checking Account Overdraft Protection

Open-end

12%

 

Unsecured Personal Loans

Term

APR1 (Annual Percentage Rate)

Monthly Payment per $1,000

12 months

6.50%

$86.30

24 months

7.00%

$44.77

36 months

7.50%

$31.11

48 months

8.00%

$24.41

60 months

8.50%

$20.52

72 months

9.00%

$18.03

84 months

9.75%

$16.47

96 months

10.50%

$15.44

 

¹ Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.

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