For a Limited Time Only

Home equity loans and home equity lines of credit (HELOC) are eligible for NO CLOSING COSTS for loans and lines greater than $25,000. Appraisal fees may apply.

Benefits You’ll Love

  • Handle immediate or planned expenses with ease
  • Enjoy competitive rates and a variety of repayment terms
  • Secure financing based on the value of your home
  • Access a line of credit to maintain financial flexibility

1Consult a tax advisor regarding deductibility of interest.
1Closing costs will be waived for new home equity lines of credit. Appraisal fees may apply. The variable Annual Percentage Rate (APR) is based on The Wall Street Journal Prime rate or floor rate of 3.9% whichever is greater. Maximum term of 180 months. Interest rate may vary quarterly. Terms subject to change without notice. Offer is subject to credit approval. Other terms and conditions may apply. Consult a tax advisor regarding deductibility of interest.

Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total interest paid $0

Auto Loans

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.

Fixed Home Equity Loans - 1st Position

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

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

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

Home Equity Lines of Credit

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.

Money Market

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%

Personal Line of Credit

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

Personal Term Loans (Unsecured/Signature)

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.

Recreational Vehicles (2012 & Older)

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.

Recreational Vehicles (2013 & Newer)

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.

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%

Share Certificates

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.  

VISA Credit Cards

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.

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