Rates

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Loan Rates - Effective Saturday, December 3, 2016
Loan TypeRates as low asTerms/Information
PERSONAL LOAN-Up to 2 years9.650%Competitive Rates and Flexible Terms
PERSONAL LOAN-Up to 3 years10.150%Flexible terms for your needs
PERSONAL LOAN- Up to 4 years10.650%Rates based on credit score and term of loan
AUTO LOAN- Up to 5 year term2.790%Great rates for new or used auto loans and flexible terms
AUTO LOAN- Up to 6 year term3.040%Great rates for new or used auto loans
MOTORCYCLE/RV- Up to 5 years5.300%Competitive rates to fund your next adventure
MOTORCYCLE/RV- Up to 6 years6.250%Competitive Rates and Flexible Terms for your Fun!
MOTORCYCLE/RV- Up to 7 years7.050%Great Rates-Super Fun!
SHARE SECURED LOAN3.000%Requires no credit check- CALL TO APPLY
OVERDRAFT LINE-OF-CREDIT17.000%Protect your checking with the Overdraft Line-of-Credit
2nd MORTGAGE- Up to 5 years4.000%Fixed rate 2nd Mortgage. Rate based on credit, LTV & term.
2nd MORTGAGE- Up to 7 years4.500%Fixed Rate 2nd Mortgage. Balloon programs available
2nd MORTGAGE- Up to 10 years4.750%Fixed Rate 2nd Mortgage for 10 year term.
PREMIER REWARDS VISA CARD9.990%Low Variable Rate & No Annual Fee
CLASSIC VISA CREDIT CARD10.990%Low Fixed-Rate as low as 10.99% APR
'NON-CAPPED' HOME EQUITY LOAN3.500%HELOC offers a low non-capped rate-May adjust monthly
'CAPPED' HOME EQUITY LOAN4.500%HELOC has a low variable interest rate, may adjust quarterly

Regular Share Savings: Dividends declared and paid at the end of each quarter. Dividend quoted as of September 30, 2016.
Savings Rates - Effective Tuesday, January 12, 2016
APYMinimum
Deposit
Minimum
Balance
REGULAR SHARE SAVINGS0.100%$25.00$100.00
HOLIDAY CLUB SAVINGS0.100%$5.00$5.00
VACATION CLUB SAVINGS0.100%$5.00$5.00
OTHER SAVINGS0.100%$5.00$5.00
MONEY MARKET SAVINGS0.100%$2,500.00$2,500.00
MONEY MARKET SAVINGS0.150%$2,500.00$10,000.00
MONEY MARKET SAVINGS0.200%$2,500.00$25,000.00
MONEY MARKET SAVINGS0.250%$2,500.00$50,000.00
MONEY MARKET SAVINGS0.300%$2,500.00$100,000.00
MONEY-WI$E CHECKING0.000%$0.00$0.00
DIVIDEND-WI$E CHECKING0.030%$0.00$500.00
SMALL BUSINESS CHECKING0.030%$0.00$2,500.00
IRA SHARE ACCOUNT0.100%$0.00$100.00
IRA SHARE ACCOUNT0.100%$0.00$2,500.00
IRA SHARE ACCOUNT0.150%$0.00$10,000.00
IRA SHARE ACCOUNT0.200%$0.00$25,000.00
IRA SHARE ACCOUNT0.250%$0.00$50,000.00
IRA SHARE ACCOUNT0.300%$0.00$100,000.00
EDUCATION IRA0.100%$0.00$100.00
EDUCATION IRA0.100%$0.00$2,500.00
EDUCATION IRA0.150%$0.00$10,000.00
EDUCATION IRA0.200%$0.00$25,000.00
EDUCATION IRA0.250%$0.00$50,000.00
EDUCATION IRA0.300%$0.00$100,000.00
ROTH CONVERSION0.100%$0.00$100.00
ROTH CONVERSION0.100%$0.00$2,500.00
ROTH CONVERSION0.150%$0.00$10,000.00
ROTH CONVERSION0.200%$0.00$25,000.00
ROTH CONVERSION0.250%$0.00$50,000.00
ROTH CONVERSION0.300%$0.00$100,000.00
SEP IRA0.100%$0.00$100.00
SEP IRA0.100%$0.00$2,500.00
SEP IRA0.150%$0.00$10,000.00
SEP IRA0.200%$0.00$25,000.00
SEP IRA0.250%$0.00$50,000.00
SEP IRA0.300%$0.00$100,000.00

Certificate Rates - Effective Saturday, December 3, 2016
Certificate TermAPYMinimum Deposit
6 MONTH SHARE CERTIFICATE0.400%$1,000.00
9 MONTH SHARE CERTIFICATE0.400%$1,000.00
12 MO CERTIFICATE0.600%$1,000.00
12 MO CERTIFICATE0.750%$50,000.00
18 MONTH SHARE CERTIFICATE0.650%$1,000.00
18 MONTH SHARE CERTIFICATE0.800%$50,000.00
24 MONTH SHARE CERTIFICATE1.000%$1,000.00
24 MONTH SHARE CERTIFICATE1.150%$50,000.00
30 MONTH SHARE CERTIFICATE1.050%$1,000.00
30 MONTH SHARE CERTIFICATE1.200%$50,000.00
36 MONTH SHARE CERTIFICATE1.200%$1,000.00
36 MONTH SHARE CERTIFICATE1.350%$50,000.00
48 MONTH SHARE CERTIFICATE1.450%$1,000.00
48 MONTH SHARE CERTIFICATE1.600%$50,000.00
60 MONTH SHARE CERTIFICATE1.750%$1,000.00
60 MONTH SHARE CERTIFICATE1.900%$50,000.00
TRADITIONAL IRA CERTIFICATE0.600%$1,000.00
TRADITIONAL IRA CERTIFICATE0.700%$50,000.00
ROTH IRA CERTIFICATE0.600%$1,000.00
ROTH IRA CERTIFICATE0.700%$50,000.00
EDUCATION IRA CERTIFICATE0.600%$1,000.00
EDUCATION IRA CERTIFICATE0.700%$50,000.00
12MO ROTH CONV IRA0.600%$1,000.00
12MO ROTH CONV IRA0.700%$50,000.00
24MO TRADITIONAL IRA1.000%$1,000.00
24MO TRADITIONAL IRA1.150%$50,000.00
24MO ROTH IRA CERT1.000%$1,000.00
24MO ROTH IRA CERT1.150%$50,000.00
24MO EDUCATION IRA1.000%$1,000.00
24MO EDUCATION IRA1.150%$50,000.00
24MO ROTH CONV IRA1.000%$1,000.00
24MO ROTH CONV IRA1.150%$50,000.00
36MO TRADITIONAL IRA1.150%$1,000.00
36MO TRADITIONAL IRA1.300%$50,000.00
36MO ROTH IRA CERT1.150%$1,000.00
36MO ROTH IRA CERT1.300%$50,000.00
36MO EDUCATION IRA1.150%$1,000.00
36MO EDUCATION IRA1.300%$50,000.00
36MO ROTH CON CERT1.150%$1,000.00
36MO ROTH CON CERT1.300%$50,000.00
48MO TRADITIONAL IRA1.450%$1,000.00
48MO TRADITIONAL IRA1.600%$50,000.00
48MO ROTH IRA CERT1.450%$1,000.00
48MO ROTH IRA CERT1.600%$499,999.70
48MO EDUCATION IRA1.450%$1,000.00
48MO EDUCATION IRA1.600%$50,000.00
48MO ROTH CONV IRA1.450%$1,000.00
48MO ROTH CONV IRA1.600%$50,000.00
60MO TRADITIONAL IRA1.750%$1,000.00
60MO TRADITIONAL IRA1.900%$50,000.00
60MO ROTH IRA CERT1.750%$1,000.00
60MO ROTH IRA CERT1.900%$50,000.00
60MO EDUCATION IRA1.750%$1,000.00
60MO EDUCATION IRA1.900%$50,000.00
60MO ROTH CONV IRA1.750%$1,000.00
60MO ROTH CONV IRA1.900%$50,000.00