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 Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $9,999.99 | 1.50% | 1.51% |
| $10,000 - $24,999.99 | 1.50% | 1.51% |
| $25,000 - $49,999.99 | 1.75% | 1.76% |
| $50,000 - $99,999.99 | 1.75% | 1.76% |
| $100,000+ | 2.00% | 2.02% |
Share Certificates Learn More
| Term & Balance | Dividend Rate | APY |
|---|---|---|
| 6 Months ($500 - $49,999.99) | 3.25% | 3.29% |
| 6 Months ($50,000+) | 3.35% | 3.39% |
| 1 Year ($500 - $49,999.99) | 3.45% | 3.50% |
| 1 Year ($50,000+) | 3.55% | 3.60% |
| 15 Month ($500 - $49,999.99) | 4.25% | 4.32% |
| 15 Month ($50,000+) | 4.35% | 4.42% |
| 2 Years ($500 - $49,999.99) | 3.70% | 3.75% |
| 2 Years ($50,000+) | 3.80% | 3.86% |
| 3 Years ($500 - $49,999.99) | 3.80% | 3.85% |
| 3 Years ($50,000+) | 3.90% | 3.96% |
| 4 Years ($500 - $49,999.99) | 3.90% | 3.96% |
| 4 Years ($50,000+) | 4.00% | 4.06% |
| 5 Years ($500 - $49,999.99) | 4.00% | 4.06% |
| 5 Years ($50,000+) | 4.10% | 4.16% |
Minimum Balance is $500. 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 .50% based on published equivalent terms and balances. Ask a representative for availability and details.
15-Month certificate is a promotional offering. Promotional certificates are not eligible for auto renewal or rate matching.
Auto Loans Learn More
| Term | APR |
|---|---|
| Up to 36 Months | 5.99% - 20.74% |
| 37 - 48 Months | 5.99% - 20.74% |
| 49 - 60 Months | 5.99% - 20.74% |
| 61 - 72 Months | 6.49% - 14.99% |
| 73 - 84 Months | 6.99% - 5.49% |
*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) Learn More
| Term | APR |
|---|---|
| 24 - 48 Months | 6.99% - 20.99% |
| 49 - 60 Months | 6.99% - 17.49% |
| 61 - 72 Months | 6.99% - 16.24% |
| 73 - 84 Months | 7.24% - 10.74% |
| 85 - 96 Months | 7.49% - 10.99% |
| 97 - 120 Months | 7.99% - 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) 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) Learn More
| Term | APR |
|---|---|
| 24 Months | 8.99% - 21.24% |
| 36 Months | 8.99% - 21.24% |
| 48 Months | 9.49% - 21.74% |
| 60 Months | 9.99% - 22.24% |
*Rate may vary based on credit history and other qualifications.
APR is based upon credit history.
VISA Credit Cards 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
| 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 7.75%
*Index is equal to the greater of Wall Street Journal Prime or Floor Rate
Home Equity Lines of Credit 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 – 7.75%
*Rate may vary based on crdit history and other qualifications.
Fixed Home Equity Loans - 1st Position Learn More
| Term | Rate |
|---|---|
| 10 Years | 6.75% - 10.75% |
| 15 Years | 7.00% - 11.00% |
*Rate may vary based on credit history and other qualifications.
Fixed Home Equity Loans - 2nd Position Learn More
| Term | Rate |
|---|---|
| 10 Years | 7.00% - 11.00% |
| 15 Years | 7.25% - 11.25% |
*Rate may vary based on credit history and other qualifications.
*Rate Is Based on Prime or Floor Rate Whichever Is Higher.
Payment does not include taxes and insurance premiums. Some state and county maximum loan amount restrictions may apply. Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio. Loan approval, Annual Percentage Rate (APR), and down payment required based on creditworthiness, amount financed, and ability to repay. Rates, terms, and conditions are subject to change. Subject to 1% or $499.00 origination fee. Consult a tax advisor regarding deductibility of interest.
*Requires Additional Lending Authority
**Rate Is Based on Prime or Floor Rate Whichever Is Higher
