Rates

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Loan rates listed are the Annual Percentage Rate

Loan Rates - Effective Sunday, November 19, 2017
Loan TypeRates as low asTerms/Information
PERSONAL LOAN-Up to 2 years9.990%Competitive Rates and Flexible Terms
PERSONAL LOAN-Up to 3 years10.490%Flexible terms for your needs
PERSONAL LOAN- Up to 4 years10.990%Rates based on credit score and term of loan
AUTO LOAN- Up to 5 year term3.140%Great rates for new or used auto loans and flexible terms
AUTO LOAN- Up to 6 year term3.390%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 years5.240%Fixed rate 2nd Mortgage. Rate based on credit, LTV & term.
2nd MORTGAGE- Up to 7 years5.740%Fixed Rate 2nd Mortgage. Balloon programs available
2nd MORTGAGE- Up to 10 years5.990%Fixed Rate 2nd Mortgage for 10 year term.
PREMIER REWARDS VISA CARD10.740%Low Variable Rate & No Annual Fee
CLASSIC VISA CREDIT CARD10.990%Low Fixed-Rate as low as 10.99% APR
'NON-CAPPED' HOME EQUITY LOAN4.250%HELOC offers a low non-capped rate-May adjust monthly
'CAPPED' HOME EQUITY LOAN5.250%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, 2017.
Savings Rates - Effective Wednesday, August 16, 2017
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 SAVINGS0.300%$2,500.00$50,000.00
MONEY MARKET SAVINGS0.350%$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 ACCOUNT0.300%$0.00$50,000.00
IRA SHARE ACCOUNT0.350%$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 IRA0.300%$0.00$50,000.00
EDUCATION IRA0.350%$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 CONVERSION0.300%$0.00$50,000.00
ROTH CONVERSION0.350%$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 IRA0.300%$0.00$50,000.00
SEP IRA0.350%$0.00$100,000.00

Early withdrawal penalties apply to Certificates: 6 month-11 month terms= 90 days interest penalty, 12 months and greater= 180 days interest penalty. If flexible term, (non-standard term) is chosen, CD will renew at corresponding term noted. APY (Annual Percentage Yield) assumes that interest remain on deposit until maturity, and withdrawal of interest will reduce earning on the account. All rates/APY’s are subject to change without notice. Interest is calculated on the average daily balance.

Certificate Rates - Effective Sunday, November 19, 2017
Certificate TermAPYMinimum Deposit
6 MONTH SHARE CERTIFICATE0.550%$1,000.00
9 MONTH SHARE CERTIFICATE0.600%$1,000.00
12 MO CERTIFICATE0.800%$1,000.00
12 MO CERTIFICATE0.950%$50,000.00
18 MONTH SHARE CERTIFICATE0.850%$1,000.00
18 MONTH SHARE CERTIFICATE1.000%$50,000.00
24 MONTH SHARE CERTIFICATE1.200%$1,000.00
24 MONTH SHARE CERTIFICATE1.350%$50,000.00
30 MONTH SHARE CERTIFICATE1.250%$1,000.00
30 MONTH SHARE CERTIFICATE1.400%$50,000.00
36 MONTH SHARE CERTIFICATE1.350%$1,000.00
36 MONTH SHARE CERTIFICATE1.500%$50,000.00
48 MONTH SHARE CERTIFICATE1.600%$1,000.00
48 MONTH SHARE CERTIFICATE1.750%$50,000.00
60 MONTH SHARE CERTIFICATE1.950%$1,000.00
60 MONTH SHARE CERTIFICATE2.100%$50,000.00
TRADITIONAL IRA CERTIFICATE0.800%$1,000.00
TRADITIONAL IRA CERTIFICATE0.950%$50,000.00
ROTH IRA CERTIFICATE0.800%$1,000.00
ROTH IRA CERTIFICATE0.950%$50,000.00
EDUCATION IRA CERTIFICATE0.800%$1,000.00
EDUCATION IRA CERTIFICATE0.950%$50,000.00
12MO ROTH CONV IRA0.800%$1,000.00
12MO ROTH CONV IRA0.950%$50,000.00
24MO TRADITIONAL IRA1.200%$1,000.00
24MO TRADITIONAL IRA1.350%$50,000.00
24MO ROTH IRA CERT1.200%$1,000.00
24MO ROTH IRA CERT1.350%$50,000.00
24MO EDUCATION IRA1.200%$1,000.00
24MO EDUCATION IRA1.350%$50,000.00
24MO ROTH CONV IRA1.200%$1,000.00
24MO ROTH CONV IRA1.350%$50,000.00
36MO TRADITIONAL IRA1.350%$1,000.00
36MO TRADITIONAL IRA1.500%$50,000.00
36MO ROTH IRA CERT1.350%$1,000.00
36MO ROTH IRA CERT1.500%$50,000.00
36MO EDUCATION IRA1.350%$1,000.00
36MO EDUCATION IRA1.500%$50,000.00
36MO ROTH CON CERT1.350%$1,000.00
36MO ROTH CON CERT1.500%$50,000.00
48MO TRADITIONAL IRA1.600%$1,000.00
48MO TRADITIONAL IRA1.750%$50,000.00
48MO ROTH IRA CERT1.600%$1,000.00
48MO ROTH IRA CERT1.750%$499,999.70
48MO EDUCATION IRA1.600%$1,000.00
48MO EDUCATION IRA1.750%$50,000.00
48MO ROTH CONV IRA1.600%$1,000.00
48MO ROTH CONV IRA1.750%$50,000.00
60MO TRADITIONAL IRA1.950%$1,000.00
60MO TRADITIONAL IRA2.100%$50,000.00
60MO ROTH IRA CERT1.950%$1,000.00
60MO ROTH IRA CERT2.100%$50,000.00
60MO EDUCATION IRA1.950%$1,000.00
60MO EDUCATION IRA2.100%$50,000.00
60MO ROTH CONV IRA1.950%$1,000.00
60MO ROTH CONV IRA2.100%$50,000.00