Current Rates
Dividend Rates – EFFECTIVE Feb. 27, 2020
[Rates Subject To Change Without Notice]
| RATE | APY* | Minimum Balance | Compound Frequency |
|
|---|---|---|---|---|
| Share Account | ||||
| 0.10% | 0.10% APY | $300.00-10,000.00 | ||
| 0.15% | 0.15% APY | $10,000.01-49,999.99 | ||
| 0.20% | 0.20% APY | $50,000.00-& Above | ||
| Elite Draft | ||||
| 0.00% | 0.00% APY | $300.00-1,000.00 | ||
| 0.00% | 0.00% APY | $1,000.01-5,000.00 | ||
| 0.00% | 0.00% APY | $5,000.01-& Above | ||
| ($5.00 Monthly Service Charge For Balance Below $150.00) | ||||
| Value Draft | ||||
| College Fund “U”-U | 0.10% | 0.10% APY | (21 and under) | |
| Youth Account “C”-C | 0.05% | 0.05% APY | (17 and under) | |
| Kids Account “K” -K | 0.05% | 0.05% APY | (12 and under) | |
| Christmas Club “D”-H | 0.15% | 0.15% APY | ||
| RATE | APY* | Minimum Balance | Compound Frequency |
|
|---|---|---|---|---|
| Share Certificate – CD | ||||
| 6 Months Term “O” | 0.10% | 0.10% APY | Minimum $500.00 | |
| 12 Months Term “N” | 0.20% | 0.20% APY | Minimum $500.00 | |
| 24 Months Term “Q” | 0.30% | 0.30% APY | Minimum $500.00 | |
| IRA's | 0.35% | 0.35% APY | $500.00–& ABOVE | |
Auto Loans NEW Vehicles – EFFECTIVE Nov. 3, 2022
[Rates Subject To Change Without Notice]
2020, 2021, 2022 & 2023 Vehicles
Membership minimum balance of $25 required.
New, CPO and Used Car Prices
Book Values, Trade In Values, MSRP, Reviews, Specs, Compare
| Model Year | Term | AAA 730+ | A 729-680 | B 679-640 | C 639-600 | D 599-550 | E 549-below |
|---|---|---|---|---|---|---|---|
| 2022-2020 | 12-48 mos. 60 months 72 months 84 months | 4.75% 5.00% 5.40% 5.50% | 5.00% 5.30% 5.50% 5.55% | 5.30% 5.70% 6.35% 6.35% | 6.30% 6.70% 7.20% 7.30% | 9.00% 9.30% 9.90% 10.20% | 10.00% 10.30% 10.50% 10.75% |
| Year | APR | Approximate Monthly Payment Per $1,000 | Term | Security |
|---|---|---|---|---|
| New (2022-2020) | As low as 4.75%* | $22.92 | 12-48 Months | Title/Ins |
| New (2022-2020) | As low as 5.00%* | $18.87 | 60 Months | Title/Ins |
| New (2022-2020) | As low as 5.40%* | $16.29 | 72 Months | Title/Ins |
| New (2022-2020) | As low as 5.50%* | $14.37 | 84 Months | Title/Ins |
| Rates subject to change without notice and with approved credit. Payment Example: On a $25,000.00 new auto loan, 60 month term with 5.00% APR, the monthly payment would be approximately $471.78. *For vehicles with 100,000+ in mileage add 1%. | ||||
Other Secured Loans (USED vehicles, all watercraft, motorcycles, ATVs, etc.) – EFFECTIVE Nov. 3, 2022
[Rates Subject To Change Without Notice]
Membership minimum balance of $25 required.
| Model Year | Term | AAA 730+ | A 729-680 | B 679-640 | C 639-600 | D 599-550 | E 549-below |
|---|---|---|---|---|---|---|---|
| 2019 | 12-48 mos. 72 months | 5.60% 5.70% | 5.70% 5.85% | 6.35% 6.35% | 7.60% 7.70% | 11.00% 11.00% | 11.90% 11.90% |
| 2018 | 12-48 mos. 60 months 72 months 84 months | 5.25% 5.50% 5.75% 6.20% | 5.50% 5.60% 5.75% 6.20% | 6.00% 6.00% 6.10% 6.35% | 7.20% 7.20% 7.60% 8.00% | 10.00% 10.20% 10.20% 11.50% | 11.00% 11.50% 11.75% 12.00% |
| 2017 | 12-48 mos. 60 months 72 months 84 months | 5.60% 5.70% 5.80% 6.20% | 5.60% 5.80% 5.90% 6.30% | 6.00% 6.00% 6.35% 6.50% | 7.50% 7.60% 7.80% 8.00% | 9.75% 10.00% 10.50% 11.00% | 10.00% 10.50% 11.00% 11.50% |
| 2016 | 12-48 mos. 60 months 72 months | 5.70% 5.85% 6.00% | 5.70% 6.00% 6.00% | 6.20% 6.50% 6.60% | 8.00% 8.20% 8.50% | 10.30% 10.50% 11.00% | 10.50% 11.00% N/A |
| 2015 | 12-48 mos. 60 months 72 months | 5.70% 6.00% 6.25% | 5.70% 6.00% 6.25% | 6.25% 6.50% 7.00% | 8.00% 8.20% 8.50% | 10.00% 10.50% N/A | 10.50% 11.00% N/A |
| 2014 | 12-48 mos. 60 months | 6.00% 6.00% | 6.00% 6.15% | 6.50% 6.70% | 8.45% 8.60% | 8.75% 9.00% | |
| 2013 | 12-48 mos. 60 months | 6.00% 6.00% | 6.15% 6.35% | 7.50% 8.00% | 8.45% 8.85% | 10.50% 10.50% | |
| 2012 & Older | 12-36 mos. 48 months 60 months | 8.00% 8.50% 8.75% | 8.00% 8.50% 8.75% | 9.00% 9.00% 9.20% | 10.85% 11.00% N/A | 13.50% 13.50% N/A |
| APR | Approximate Monthly Payment Per $1,000 | Term |
|---|---|---|
| As low as 5.25%* | $23.14 | 12-48 Months |
| As low as 5.50%* | $19.10 | 60 Months |
| As low as 5.75%* | $16.46 | 72 Months |
| As low as 6.20%* | $14.70 | 84 Months |
| Rates subject to change without notice and with approved credit. Payment Example: On a $15,000.00 vehicle loan, 60 month term with 5.50% APR, the monthly payment would be approximately $286.52. *For vehicles with 100,000+ in mileage add 1%. | ||
Personal Loan Rates – EFFECTIVE Aug. 4, 2022
[Rates Subject To Change Without Notice]
Membership minimum balance of $25 required.
| APR | Approximate Monthly Payment Per $1,000 | Term |
|---|---|---|
| As low as 9.20%* | $45.79 | 24 Months |
| As low as 9.70%* | $32.14 | 36 Months |
| As low as 10.20%* | $25.47 | 48 Months |
Payment Example Loan Notes
**Overdraft Protection: 18% APR
Share Secured: As low as 3.00% APR (Fixed Rate)
Certificate Secured: 3.00% APR Plus Highest Certificate Rate
All variable loan rates subject to change without notice and with approved credit.
NEW FEES:
- Personal Loans Fee $50.00
- Vehicle and Boat Loan Fee $100.00
- 2nd Mortgage Documentation Fee $100.00
- We are now using credit scores to determine loan rate