Rates

Loan Rates

Rates effective as of June 28, 2022

Vehicle Loan

Loan Purpose Loan Term APR*
New and Used Vehicle Up to 72 months As low as
5.75%
New and Used Vehicle Up to 60 months As low as
5.50%
New and Used Vehicle Up to 36 months As low as
5.00%
New and Used Motorcycles Up to 60 months As low as
6.25%
Tractor, Trailer, 4-wheeler Up to 36 months As low as
8.50%

New Boat, Travel Trailer, Camper Loan

Value Loan Term APR*
Over $30,000 Up to 120 months As low as
6.50%
Over $30,000 Up to 84 months As low as
6.00%
Under $30,000 Up to 72 months As low as
5.75%

Personal Loan

Loan Term APR*
Up to 36 months As low as
9.00%

Bill Consolidation Loan

Loan Term APR*
Up to 36 months As low as
9.00%

Secured Loans

Loan Type Loan Term APR*
Certificate Secured N/A Index (**) + 3.00%
Share Secured Up to 60 months Index (***) + 3.00%

(*) A note about your Annual Percentage Rate (APR)

Your specific Annual Percentage Rate (APR) will be determined by your qualifications and credit history at the time you request your loan, and will be disclosed at the time of the loan advance.

(**) Certificate-Secured Loans The Annual Percentage Rate (APR) will be the dividend rate being paid on the certificate offered as security (index) plus 3.00% (ex. 3.00% + 2.00% = 5.00%). The certificate must be renewed until the the advance is completely paid.

(***) Share Secured Loans The Annual Percentage Rate (APR) will be the Dividend Rate currently being paid on regular shares (Index) plus 3.00% up to 60 Months or (Index) plus 4.5% up to 84 Months. Regular shares are pledged until loan is paid in full.

Deposit Yields

Rates effective as of June 28, 2022

Savings Account Rates

Account Type Min. Balance Dividend Rate APY
Regular Shares $25 $25 0.100% 0.100%
Regular Shares $100 $100 0.100% 0.100%
Sub Share $100 0.200% 0.200%
Visa Share $100 0.200% 0.200%

Club Accounts

Account Type Min. Balance Dividend Rate APY
Christmas Club $100 0.200% 0.200%
Vacation Club $100 0.200% 0.200%

Checking Accounts

Account Type Min. Balance Dividend Rate APY
Share Draft $500 0.050% 0.050%

Certificate of Deposit

Term Dividend Rate APY
6-Month Certificate 0.100% 0.100%
12-Month Certificate 0.100% 0.100%
18-Month Certificate 0.100% 0.100%
24-Month Certificate 0.100% 0.100%
36-Month Certificate 0.200% 0.200%
48-Month Certificate 0.200% 0.200%
60-Month Certificate 0.200% 0.200%
6-Month IRA Certificate 0.450% 0.451%
12-Month IRA Certificate 0.600% 0.601%
14-Month IRA Certificate 0.000% 0.000%
18-Month IRA Certificate 0.700% 0.702%
24-Month IRA Certificate 0.900% 0.903%
36-Month IRA Certificate 1.000% 1.004%
48-Month IRA Certificate 1.250% 1.256%

Individual Retirement Accounts

Account Type Min. Balance Dividend Rate APY
IRA Shares $100 0.500% 0.501%
Roth IRA Shares $100 0.500% 0.501%

Money Market Accounts

Account Type Min. Balance Dividend Rate APY
Money Market Share $2,500 0.000% 0.000%

APY - Annual percentage yield