APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of April 13, 2022. Fees may reduce earnings.


Share Accounts

Product Dividend Rate APY
Power Shares 0.05% 0.05%
Christmas Club 0.10% 0.10%
Escrow 0.10% 0.10%
Secondary Shares 0.10% 0.10%
IRA Shares 0.10% 0.10%

Money Market Back to Top Learn More

Balance Dividend Rate APY
$1,000 - $9,999.99 1.00% 1.00%
$10,000 - $24,999.99 1.25% 1.26%
$25,000 - $49,999.99 1.25% 1.26%
$50,000 - $99,999.99 1.50% 1.51%
$100,000+ 2.00% 2.02%

Share Certificates Back to Top Learn More

Term & Balance Dividend Rate APY
6 Month ($500 - $49,999.99) 3.45% 3.50%
6 Month ($50,000+) 3.55% 3.60%
6 Month Youth CD ($500 - $49,999.99) 3.45% 3.50%
6 Month Youth CD ($50,000+) 3.55% 3.60%
7 Month ($500 - $49,999.99) 4.71% 4.80%
7 Month ($50,000+) 4.81% 4.90%
1 Year ($500 - $49,999.99) 3.65% 3.70%
1 Year ($50,000+) 3.75% 3.80%
1 Year Youth CD ($500 - $49,999) 3.65% 3.70%
1 Year Youth CD ($50,000+) 3.75% 3.80%
2 Years ($500 - $49,999.99) 3.84% 3.90%
2 Years ($50,000+) 3.94% 4.00%
3 Years ($500 - $49,999.99) 3.94% 4.00%
3 Years ($50,000+) 4.04% 4.10%
4 Years ($500 - $49,999.99) 3.94% 4.00%
4 Years ($50,000+) 4.04% 4.10%
5 Years ($500 - $49,999.99) 3.94% 4.00%
5 Years ($50,000+) 4.04% 4.10%

Minimum Balance is $500 for adult depositors and $50 for Youth (18 and under). All rates are subject to change. Share certificates can be set up to auto renew. Early withdrawal penalties apply.  We will match local competitor certificate rates up to .25% based on published equivalent terms and balances. Ask a representative for availability and details.  

7-Month certificate is a promotional offering.  Promotional certificates are not eligible for auto renewal or rate matching.  

Auto Loans Back to Top Learn More

Term APR
Up to 36 Months 6.24% - 20.99%
37 - 48 Months 6.24% - 20.99%
49 - 60 Months 6.24% - 20.99%
61 - 72 Months 6.74% - 15.24%
73 - 84 Months 7.24% - 15.74%

*Rate may vary based on credit history and other qualifications. 

APR is based on credit history. Rates apply to most vehicles, with approved credit. Based upon past credit history. All rates are subject to change without notice.

Recreational Vehicles (2013 & Newer) Back to Top Learn More

Term APR
24 - 48 Months 6.99% - 20.99%
49 - 60 Months 6.99% - 20.99%
61 - 72 Months 7.49% - 16.24%
73 - 84 Months 7.74% - 10.74%
85 - 96 Months 7.99% - 10.99%
97 - 120 Months 8.49% - 11.49%

*Rate may vary based on credit history and other qualifications.

 

APR is based on credit history.  Rates apply to most vehicles, with approved credit.Based upon past credit history.  All rates are subject to change without notice.

Recreational Vehicles (2012 & Older) Back to Top Learn More

Term APR
Up to 60 Months 7.99% - 18.49%

*Rate may vary based on credit history and other qualifications.

 

APR is based on credit history.  Rates apply to most vehicles, with approved credit.  Based upon past credit history.  All rates are subject to change without notice.

Personal Term Loans (Unsecured/Signature) Back to Top Learn More

Term APR
24 Months 9.99% - 20.24%
36 Months 9.99% - 20.24%
48 Months 10.49% - 20.74%
60 Months 10.99% - 21.24%

*Rate may vary based on credit history and other qualifications.

 

APR is based upon credit history.

VISA Credit Cards Back to Top Learn More

730+
Credit Score
729 - 680
Credit Score
679 - 650
Credit Score
649 - 620
Credit Score
619 - 590
Credit Score
<589
Credit Score
8.90% 10.40% 11.40% 13.40% 17.40% 21.90***

***Secured VISA® Only.

*Rate may vary based on credit history and other qualifications.

Personal Line of Credit Back to Top Learn More

730+
Credit Score
729 - 680
Credit Score
679 - 650
Credit Score
649 - 620
Credit Score
619 - 590
Credit Score
<589
Credit Score
Prime* + 2.5% Prime* + 4.00% Prime* + 5.00% Prime* + 7.00% Prime* + 13.00% Prime* + 13.00%

*Rate may vary based on credit history and other qualifications. 

Floor Rate is 4.90%. Prime Rate is 8.50%

*Index is equal to the greater of Wall Street Journal Prime or Floor Rate

Home Equity Lines of Credit Back to Top Learn More

LTV 730+
Credit Score
729 - 680
Credit Score
679 - 650
Credit Score
649 - 620
Credit Score
619 - 590
Credit Score
<590
Credit Score
No Score
<60% Index* Index* Index* + 1.00% Index* + 2.00% N/A N/A Index* + 4.00%
60% - 69% Index* Index* Index* + 1.00% Index* + 3.00% N/A N/A Index* + 5.00%
70% - 80% Index* Index* Index* + 1.00% Index* + 4.00% N/A N/A Index* + 6.00%

*Index is equal to the greater of Wall Street Journal Prime or Floor Rate Floor Rate - 3.90% Prime Rate – 8.50%

*Rate may vary based on credit history and other qualifications.

Fixed Home Equity Loans - 1st Position Back to Top Learn More

Term Rate
10 Years 7.00% - 9.00%
15 Years 7.25% - 9.25%

*Rate may vary based on credit history and other qualifications.

Fixed Home Equity Loans - 2nd Position Back to Top Learn More

Term Rate
10 Years 7.25% - 9.25%
15 Years 7.50% - 9.50%

*Rate may vary based on credit history and other qualifications.