Rates
All rates effective 11/1/2022. All rates subject to change without notice.
Savings Rates
|
Account |
Dividend Rate |
APY (Annual Percentage Yield) |
|
Regular Savings Share Accounts |
0.10% |
0.10% |
|
IRA Share Accounts |
0.25% |
0.25% |
|
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.
Share Certificate Rates
Rates effective October 1, 2024
|
Terms |
APR |
APY |
APR |
APY |
APR |
APY |
APR |
APY |
|
6 months |
3.50% |
3.56% |
3.60% |
3.66% |
3.65% |
3.71% |
3.75% |
3.82% |
|
12 months |
3.85% |
3.92% |
3.95% |
4.02% |
4.00% |
4.07% |
4.15% |
4.23% |
|
24 months |
3.00% |
3.04% |
3.10% |
3.14% |
3.15% |
3.20% |
3.25% |
3.30% |
|
36 months |
3.00% |
3.04% |
3.10% |
3.14% |
3.15% |
3.20% |
3.25% |
3.30% |
|
48 months |
3.00% |
3.04% |
3.10% |
3.14% |
3.15% |
3.20% |
3.25% |
3.30% |
|
60 months |
3.00% |
3.04% |
3.10% |
3.14% |
3.15% |
3.20% |
3.25% |
3.30% |
Offering rates may change. Minimum $500 deposit required for certificate accounts. Fees may reduce earnings. Penalties may apply for early withdrawals from certificate accounts.
IRA Certificate Rates
IRA Certificate Rates Effective October 1, 2024
|
IRA Certificate Term |
APR |
APY |
|
6 Months |
3.75% |
3.82% |
|
12 Months |
4.15% |
4.23% |
|
24 Months |
3.25% |
3.30% |
|
36 Months |
3.25% |
3.30% |
|
48 Months |
3.25% |
3.30% |
|
60 Months |
3.25% |
3.30% |
Minimum $500 deposit required for IRA certificate accounts. Fees may reduce earnings. Penalties may apply for early withdrawals from IRA certificate accounts.
New or Used Vehicle Loans
Cars, Trucks and Motorcycles Rates Effective May 16, 2023
|
Term |
APR1 (Annual Percentage Rate) |
Monthly Payment per $1,000 |
|
36 months |
5.75% |
$30.32 |
|
48 months |
6.00% |
$23.50 |
|
60 months |
6.25% |
$19.46 |
|
72 months |
6.75% |
$16.94 |
Credit Cards
Rate effective January 2, 2024
|
Account |
Term |
APR |
|
Mastercard® Rewards World |
Open-end |
14.75% |
Secured Personal Loans
Rate effective July 1, 2024
|
Account |
Term |
APR |
|
Share/TSA |
Up to 120 months |
3% above dividend rate |
|
|
|
|
Unsecured Personal Loans
Rates effective March 7, 2023
|
Term |
APR1 (Annual Percentage Rate) |
Monthly Payment per $1,000 |
|
12 months |
8.75% |
$87.33 |
|
24 months |
9.25% |
$45.79 |
|
36 months |
10.75% |
$32.62 |
|
48 months |
11.25% |
$25.96 |
|
60 months |
13.25% |
$22.88 |
|
72 months |
14.75% |
$21.00 |
¹ Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.