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 Feb. 27, 2020
[Rates Subject To Change Without Notice]
Salvage Titles-Interest Rate is 1% higher than the rate listed below. New vehicles must have MSO title loan amt based on the purchase price.
Loan Rates for New & Used Vehicles (download loan fee schedule)
| Year | APR | Maximum Amount | Term | Security |
|---|---|---|---|---|
| New (2022-2021) | 1.99% | 100% of Purchase Price | 12-36 Months | Title/Ins |
| New (2022-2021) | 2.50% | 100% of Purchase Price | 37-48 Months | Title/Ins |
| New (2022-2021) | 2.99% | 100% of Purchase Price | 49-60 Months | Title/Ins |
| New (2022-2021) ($18K+) | 3.99% | 100% of Purchase Price | 61-72 Months | Title/Ins |
| New (2022-2021) ($18K+) | 4.99% | 100% of Purchase Price | 73-84 Months | Title/Ins |
| New (2022-2021) | 2.99% | 110% of Purchase Price | 12-36 Months | Title/Ins |
| New (2022-2021) | 3.50% | 110% of Purchase Price | 37-48 Months | Title/Ins |
| New (2022-2021) | 3.99% | 110% of Purchase Price | 49-60 Months | Title/Ins |
| New (2022-2021) | 4.99% | 110% of Purchase Price | 61-72 Months | Title/Ins |
| Used (2020-2018) | 3.99% | 100% of NADA Avg Retail | 12-48 Months | Title/Ins |
| Used (2020-2018) | 4.99% | 100% of NADA Avg Retail | 49-60 Months | Title/Ins |
| Used (2020-2018) | 5.25% | 100% of NADA Avg Retail | 61-72 Months | Title/Ins |
| Used (2020-2018) | 4.99% | 110% of NADA Avg Retail | 12-48 Months | Title/Ins |
| Used (2020-2018) | 5.99% | 110% of NADA Avg Retail | 49-60 Months | Title/Ins |
| Used (2017-2014) | 5.25% | 110% of NADA Trade In | 12-36 Months | Title/Ins |
| Used (2017-2014) | 5.40% | 110% of NADA Trade In | 37-60 Months | Title/Ins |
| Used (2017-2014) | 6.25% | 110% of NADA Retail | 12-36 Months | Title/Ins |
| Used (2017-2014) | 6.40% | 110% of NADA Retail | 37-60 Months | Title/Ins |
| Used (2013-2003) | 6.50% | 110% of NADA Trade In | 12-48 Months | Title/Ins |
Motorcycle, Side car & Trailer Loans – EFFECTIVE Dec. 13, 2021
[Rates Subject To Change Without Notice]
New Motorcycle must have MSO
We will loan a maximum of 100% of the purchase price. (download loan fee schedule)
| Year | APR | Maximum Amount | Term | Security |
|---|---|---|---|---|
| New (2022-2021) Never been titled | 4.99% | 100% of Purchase Price | 12-36 Months | Title/Ins |
| 4.99% | 100% of Purchase Price | 37-72 Months | Title/Ins | |
| Used (2020-2019) $500 - On up | 5.50% | 90% of NADA Avg Retail | 12-72 Months | Title/Ins |
| $15,000.00 – On Up | 5.50% | 90% of NADA Avg Retail | 48-72 Months | Title/Ins |
| Used (2018-2017) $500 - On up | 5.99% | 90% of NADA Avg Retail | 12-36 Months | Title/Ins |
| $500 - On up | 5.99% | 90% of NADA Avg Retail | 55-72 Months | Title/Ins |
| Used (2016-2015) $500 - On up | 5.99% | 90% of NADA Avg Retail | 13-36 Months | Title/Ins |
| $500 - On up | 5.99% | 90% of NADA Avg Retail | 37-48 Months | Title/Ins |
Used Motorcycle – 2014-2009
[Rates Subject To Change Without Notice]
We will loan a maximum of 100% AVG. TRADE-IN amount in the NADA Official Guide book
| Year | APR | Maximum Amount | Term | Security |
|---|---|---|---|---|
| Used (2014-2009) $500 - On up | 9.00% | NADA Avg Trade-in | 13-24 Months | Title/Ins |
| $500 - On up | 9.00% | NADA Avg Trade-in | 25-30 Months | Title/Ins |
| $500 - On up | 9.00% | NADA Avg Trade-in | 31-36 Months | Title/Ins |
Boat Loans – EFFECTIVE Feb. 27, 2020
[Rates Subject To Change Without Notice]
| Year | APR | Maximum Amount | Term | Security |
|---|---|---|---|---|
| New (2022-2021) Never been titled | 7.50% | 100% of Purchase Price | 60 Months | Title/Ins |
| 7.90% | 100% of Avg Retail | 48 Months | Title/Ins | |
Loans – (download loan fee schedule)
[Rates Subject To Change Without Notice]
- Shared Secured – Up to 60 Months – 6.00%
- Term Secured – Up to 60 Months – 6.00%
- Overdraft Protection – 18.00%
PERSONAL LOANS up to 5K @ 7.50% (new money only) PAYMENT $123.00/MO! (48 MONTHS)
NEW FEES:
- 2nd Mortgage Documentation Fee $100.00
- All other Loans Documentation Fee $30.00
- We are now using credit scores to determine loan rate. A $30.00 fee will be applied to all loans.
| APR | Term | Security | ||
|---|---|---|---|---|
| 7.50% | Up to $5,000 (New Money) | 12-48 Months | Unsecured | |
Second Mortgage Loans – EFFECTIVE Feb. 27, 2020 (download description & fee schedule)
[Rates Subject To Change Without Notice]
| APR | Term | Security | ||
|---|---|---|---|---|
| 6.00% | $ 3,000.00 – $70,000.00 | 12-120 Months | ||