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% |
Home Equity Line of Credit
Rates effective as of September 23, 2022
| Rate | APR |
|---|---|
| Home Equity Line of Credit
Call for current rate |
Prime +0% |
Personal Loan
Rates effective as of June 7, 2022
| Loan Term | APR* |
|---|---|
| Up to 36 months | As low as 9.00% |
Bill Consolidation Loan
Rates effective as of June 7, 2022
| Loan Term | APR* |
|---|---|
| Up to 36 months | As low as 9.00% |
Secured Loans
Rates effective as of June 7, 2022
| 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
