Rates
Loan Rates
Current as of January 1, 2024
Loan Description | Term | APR* |
---|---|---|
Automobile (New & Used) | 84 mos. | 6.79 - 18.00% |
72 mos. | 6.49 - 18.00% | |
60 mos. | 6.29 - 18.00% | |
48 mos. | 5.79 - 18.00% | |
36 mos. | 5.79 - 18.00% | |
24 mos. | 5.79 - 18.00% | |
Motorcycles (New & Used) | 84 mos. | 8.79 - 18.00% |
72 mos. | 8.49 - 18.00% | |
60 mos. | 8.29 - 18.00% | |
48 mos. | 7.79 - 18.00% | |
Boats (New & Used) | 84 mos. | 8.79% - 18.00% |
72 mos. | 8.49% - 18.00% | |
60 mos. | 8.29% - 18.00% | |
48 mos. | 7.79% - 18.00% | |
Computer, Furniture, etc. | 36 mos. | 10.00% |
Home Equity | 60 mos. | **Call for information** |
120 mos. | **Call for information** | |
Home Improvement (fixture filing) | 60 mos. | 9.00% |
Unsecured (Signature Loan) | 6 - 48 mos. | 10.50% - 18.00% |
Overdraft Protection | 17.50% | |
Single Payment | 90 days | 10.00% |
Share Secured | 3% + Rate | |
Certificate Secured | 3% + Rate | |
Helping Hand Loan ($500.00 max.) | 6 mos. | 18.00% + $35.00 loan fee |
Home Equity Line of Credit | 60 mos. 120 mos. |
**Call for current rates** |
Undeveloped Property | **Market** | |
First Mortgage** | **Call for information** |
APR=Annual Percentage Rate. Rates are subject to change.
Loan applications subject to credit approval.
Savings Rates
Current as of January 1, 2024
Account Description | Range | APR* | APY** |
---|---|---|---|
Savings | Minimum of $100 in account to earn interest. | 0.07% | 0.07% |
Account Description | Minimum | APR* | APY** |
---|---|---|---|
Share Draft | $1,000 | 0.01% | 0.01% |
Account Description | APR* | APY** |
---|---|---|
Christmas Club | 0.01% | 0.01% |
Account Description | APR* | APY** |
---|---|---|
Vacation Club | 0.01% | 0.01% |
Account Description | APR* | APY** |
---|---|---|
Rainy Day Club | 0.01% | 0.01% |
Account Description | Minimum | APR* | APY** |
---|---|---|---|
Money Market ($5,000 min.) | $5,000 | 2.55% | 2.55% |
$10,000 | 2.75% | 2.75% | |
$25,000 | 3.00% | 3.00% | |
$50,000 | 3.15% | 3.15% | |
$75,000 | 3.25% | 3.25% | |
$100,000 | 3.35% | 3.35% | |
$200,000 | 3.45% | 3.45% | |
$300,000 | 3.55% | 3.55% |
CDs & IRAs
Current as of January 1, 2024
Account Description | Term | APR* | APY** |
---|---|---|---|
Share Certificate Deposit
(Interest posted at maturity) $1,000 Minimum |
6 mos. | 4.00% | 4.00% |
12 mos. | 4.15% | 4.15% | |
24 mos. | 4.25% | 4.25% | |
36 mos. | 4.30% | 4.30% | |
48 mos. | 4.35% | 4.35% | |
60 mos. | 4.40% | 4.40% |
Account Description | Term | APR* | APY** |
---|---|---|---|
Share Certificate Deposit
(Interest posted quarterly) Over $50,000 |
6 mos. | 4.05% | 4.05% |
12 mos. | 4.20% | 4.20% | |
24 mos. | 4.30% | 4.30% | |
36 mos. | 4.35% | 4.35% | |
48 mos. | 4.40% | 4.40% | |
60 mos. | 4.45% | 4.45% |
Account Description | Term | APR* | APY** |
---|---|---|---|
Share Certificate Deposit/Birthday CD
(Min. Age 55) $1,000 Minimum |
12 mos. | Age Plus -- 3.65% | Age Plus -- 3.65% |
Account Description | APR* | APY** |
---|---|---|
IRA Accumulative
Roth IRA Accumulative ESA (Coverdell) Accumulative |
1.50% | 1.50% |
Dividends posted quarterly. Variable rate account. Rate subject to change.
APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change.
*The daily balance method applies a daily periodic rate to the balance in the account each day.
Penalty for early withdrawals which could include loss of principle. Apply to account opened or renewed on/after April 30, 2019. Refer to your disclosure for more detailed information.