APY = Annual Percentage Yield. APR = Annual Percentage Rate.
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 | 0.20% | 0.20% |
Money Market Back to Top Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $9,999.99 | 0.75% | 0.75% |
| $10,000 - $24,999.99 | 0.90% | 0.90% |
| $25,000 - $49,999.99 | 0.90% | 0.90% |
| $50,000 - $99,999.99 | 1.15% | 1.16% |
| $100,000+ | 1.50% | 1.51% |
Share Certificates Back to Top Learn More
| Term & Balance | Dividend Rate | APY |
|---|---|---|
| 6 Month ($500 - $49,999.99) | 3.75% | 3.80% |
| 6 Month ($50,000+) | 3.85% | 3.91% |
| 6 Month Youth CD ($50 - $49,999.99) | 3.75% | 3.80% |
| 6 Month Youth CD ($50,000+) | 3.85% | 3.91% |
| 1 Year ($500 - $49,999.99) | 3.70% | 3.75% |
| 1 Year ($50,000+) | 3.80% | 3.86% |
| 1 Year Youth CD ($50 - $49,999) | 3.70% | 3.75% |
| 1 Year Youth CD ($50,000+) | 3.80% | 3.86% |
| 2 Years ($500 - $49,999.99) | 3.45% | 3.50% |
| 2 Years ($50,000+) | 3.55% | 3.60% |
| 3 Years ($500 - $49,999.99) | 3.16% | 3.20% |
| 3 Years ($50,000+) | 3.26% | 3.30% |
| 4 Years ($500 - $49,999.99) | 3.16% | 3.20% |
| 4 Years ($50,000+) | 3.26% | 3.30% |
| 5 Years ($500 - $49,999.99) | 3.16% | 3.20% |
| 5 Years ($50,000+) | 3.26% | 3.30% |
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.
Promotional certificates are not eligible for auto renewal.
Auto Loans Back to Top Learn More
| Years | Term | APR |
|---|---|---|
| 2021-2026 | Up to 84 Months | 4.99% - 20.24% |
| 2020-2022 | Up to 84 Months | 5.49% - 20.74% |
| 2017-2019 | Up to 84 Months | 5.99% - 21.00% |
| 2016 and Older | Up to 72 Months | 6.49% - 21.00% |
*Rate may vary based on credit history, term, miles 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 Back to Top Learn More
| Years | Term | APR |
|---|---|---|
| 2016-2026 | 24-60 Months | 6.99% - 20.49% |
| 2016-2026 | 61-84 Months | 7.49% - 15.74% |
| 2016-2026 | 85-120 Months | 7.99% - 10.99% |
| 2015- and Older | 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. All rates are subject to change without notice.
Recreational Vehicles (2015 & 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 - 47 Months | 9.99% - 20.24% |
| 48 - 60 Months | 10.49% - 20.74% |
*Rate may vary based on credit history and other qualifications.
APR is based upon credit history.
Consolidation Loans Back to Top
| Term | APR |
| 36- 59 Months | 10.99% - 13.99% |
| 60- 72 Months | 11.49% - 14.99% |
Holiday Loans Back to Top
| Term | APR |
| 12 Months | Rate determined annually and only available Nov 1 - Dec 31 |
*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% | 18.00%** |
**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 6.75%
*Index is equal to the greater of Wall Street Journal Prime or Floor Rate
Home Equity Lines of Credit Back to Top Learn More
| Rate | Term |
|---|---|
|
Index*- Index* +4 Currently 6.75%- 10.75% |
5 year Interest- Only Draw Period + 10 year Amortized Repayment Period |
*Index is equal to the greater of Wall Street Journal Prime or Floor Rate Floor Rate - 3.90% Prime Rate – 6.75%
*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 | 6.49% - 8.49% |
| 15 Years | 6.49% - 8.49% |
*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 | 6.74% - 8.74% |
| 15 Years | 6.74% - 8.74% |
*Rate may vary based on credit history and other qualifications.
Manufactured & Mobile Home Loans Rates Back to Top
| Amount Financed | Consumer Rate | Terms |
| $50,000 & above | 7.75%- 8.5% | 10-25 Years |
| $40,000 - $49,000 | 7.99% -8.75% | 10-15 Years |
| $20,000- $39,999 | 8.25%- 8.99% | 10 Years |
Rates and terms dependent on qualifications.
Collateral age and overall quality will affect rate and term.