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Rates

All rates effective 3/1/2022. 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.

Certificate Rates

Terms

APR 
$500-
$99,999

APY
$500-
$99,999

APR
$100,000-
$249,999

APY
$100,000-
$249,999

APR
$250,000-
$999,999

APY
$250,000-
$999,999

APR 
$1M+

APY 
$1M+

6 months

0.50%

0.50%

0.60%

0.60%

0.65%

0.65%

0.75%

0.75%

12 months

0.60%

0.60%

0.70%

0.70%

0.75%

0.75%

0.85%

0.85%

24 months

0.70%

0.70%

0.80%

0.80%

0.85%

0.85%

0.95%

0.95%

36 months

0.90%

0.90%

1.00%

1.00%

1.05%

1.05%

1.15%

1.16%

48 months

1.00%

1.00%

1.10%

1.11%

1.15%

1.16%

1.20%

1.21%

60 months

1.40%

1.40%

1.50%

1.51%

1.55%

1.56%

1.60%

1.61%

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 April 1, 2022

IRA Certificate Term

APR

APY

6 Months

0.75%

0.75%

12 Months

0.85%

0.85%

24 Months

0.95%

0.95%

36 Months

1.15%

1.16%

48 Months

1.20%

1.21%

60 Months

1.60%

1.61%

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: 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® Rewards World

Open-end

11.00%

Secured Personal Loans

Account

Term

APR

Share/TSA

Up to 120 months

2% above dividend rate

 

 

 

Unsecured Personal Loans

Term

APR1 (Annual Percentage Rate)

Monthly Payment per $1,000

12 months

7.50%

$86.76

24 months

8.00%

$45.23

36 months

8.50%

$31.57

48 months

9.00%

$24.89

60 months

11.00%

$21.74

72 months

12.50%

$19.81

84 months

13.50%

$18.46

96 months

14.50%

$17.66

 

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

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