Rates
DEPOSIT RATES
Deposit rates effective March 19, 2025. 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
|
Terms |
APR |
APY |
APR |
APY |
APR |
APY |
APR |
APY |
|
6 months |
3.00% |
3.04% |
3.05% |
3.09% |
3.15% |
3.20% |
3.25% |
3.30% |
|
12 months |
3.10% |
3.14% |
3.15% |
3.20% |
3.25% |
3.30% |
3.35% |
3.40% |
|
24 months |
2.75% |
2.78% |
2.80% |
2.84% |
2.90% |
2.94% |
3.00% |
3.04% |
|
36 months |
2.50% |
2.53% |
2.55% |
2.58% |
2.65% |
2.68% |
2.75% |
2.78% |
|
48 months |
2.50% |
2.53% |
2.55% |
2.58% |
2.65% |
2.68% |
2.75% |
2.78% |
|
60 months |
2.50% |
2.53% |
2.55% |
2.58% |
2.65% |
2.68% |
2.75% |
2.78% |
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 Term |
APR |
APY |
|
6 Months |
3.25% |
3.30% |
|
12 Months |
3.35% |
3.40% |
|
24 Months |
3.00% |
3.04% |
|
36 Months |
2.75% |
2.78% |
|
48 Months |
2.75% |
2.78% |
|
60 Months |
2.75% |
2.78% |
Minimum $500 deposit required for IRA certificate accounts. Fees may reduce earnings. Penalties may apply for early withdrawals from IRA certificate accounts.
LOAN RATES
Loan rates effective January 1, 2025. All rates subject to change without notice.
New or Used Vehicle Loans
|
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
|
Account |
Term |
APR |
|
Mastercard® Rewards World |
Open-end |
13.75% |
Secured Personal Loans
|
Account |
Term |
APR |
|
Share/TSA |
Up to 120 months |
5% above dividend rate |
|
|
|
|
Unsecured Personal Loans
|
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.