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 – EFFECTIVE Aug. 4, 2022
[Rates Subject To Change Without Notice]
2020, 2021, 2022 & 2023 Vehicles
Membership minimum balance of $25 required.
| Year | APR | Approximate Monthly Payment Per $1,000 | Term | Security |
|---|---|---|---|---|
| New (2023-2020) | As low as 2.20%* | $28.74 | 36 Months | Title/Ins |
| New (2023-2020) | As low as 2.45%* | $21.90 | 48 Months | Title/Ins |
| New (2023-2020) | As low as 2.70%* | $17.84 | 60 Months | Title/Ins |
| New (2023-2020) | As low as 3.45%* | $15.40 | 72 Months | Title/Ins |
| New (2023-2020) | As low as 4.45%* | $13.88 | 84 Months | Title/Ins |
| Rates subject to change without notice and with approved credit. Payment Example: On a $20,000.00 new auto loan, 60 month term with 2.70% APR, the monthly payment would be approximately $356.73. *For vehicles with 100,000+ in mileage add 1% | ||||
Other Secured Loans (Used vehicle, all watercraft, motorcycles, ATVs, etc.) – 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 2.95%* | $42.96 | 24 Months |
| As low as 3.20%* | $29.17 | 36 Months |
| As low as 3.45%* | $22.34 | 48 Months |
| As low as 3.70%* | $18.29 | 60 Months |
| As low as 4.45%* | $15.86 | 72 Months |
| Rates subject to change without notice and with approved credit. Payment Example: On a $15,000.00 vehicle loan, 60 month term with 3.70% APR, the monthly payment would be approximately $274.24. *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