APY = Annual Percentage Yield
Rates effective as of July 1, 2020.
Rates may change after accounts are opened. Fees may reduce earnings.
Current Prime Rate = 3.25%
Loan Rates Deposit Rates
Loan Rates
Auto Loans & Motorcycles
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Model Year |
Rate |
2021 - 2020 Vehicles |
As low as 2.99% |
2019 Used Vehicles |
As low as 3.19% |
2018 Used Vehicles |
As low as 3.19% |
2017 Used Vehicles |
As low as 3.59% |
2016 - 2015 Used Vehicles |
As low as 4.59% |
2014 - 2013 Used Vehicles |
As low as 4.59% |
2012 - 2010 Used Vehicles |
As low as 5.59% |
2009 & Older Used Vehicles |
As low as 7.59% |
Recreational Vehicles
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Model Year |
Rate |
All Model Years |
As low as 5.50% |
Variable Rate Home Equity Line of Credit
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Loan to Value |
Rate |
Term |
Less than or Equal to 70% LTV |
Prime Rate - .5% |
up to 240 months |
70.01% - 79.99% LTV |
Prime Rate - .25% |
up to 240 months |
Up to 80% LTV |
Prime Rate |
up to 240 months |
Rate based on a credit score of 680 or higher. Floor Rate is 3.00% APR. Maximum interest rate is 18.00% APR.
Rate |
Prime Rate (with a floor rate of 3.00%) |
Type |
Rate |
Visa Platinum |
10.90% to 15.90%* |
Annual percentage rate is determined by credit score.
Deposit Rates
Share/IRA Certificate Accounts
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Term |
Rate |
APY |
3 months |
0.05% |
0.050% |
6 months |
0.10% |
0.100% |
12 months |
0.15% |
0.150% |
18 months |
0.20% |
0.200% |
24 months |
0.30% |
0.300% |
36 months |
0.45% |
0.451% |
48 months |
0.50% |
0.501% |
60 months |
0.60% |
0.601% |
Minimum Deposit $500.
Early Withdrawal penalties:
- If the Certificate is less than 12 months, a 90 day dividend penalty will be imposed.
- If the Certificate is greater than 12 months, a 180 day dividend penalty will be imposed.
- Minor Certificates are the same rates, with a $250.00 minimum deposit
Same Rate as Share Certificate Account
Minimum Deposit $250.
Early Withdrawal penalties:
- If the Certificate is less than 12 months, a 90 day dividend penalty will be imposed.
- If the Certificate is greater than 12 months, a 180 day dividend penalty will be imposed.
Money Market Accounts
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Balances |
Dividend Rate |
APY |
$0 - $2,499.99 |
0.00% |
0.00% |
$2,500 - $9,999.99 |
0.10% |
0.10% |
$10,000 - $49,999.99 |
0.10% |
0.10% |
$50,000 - $99,999.99 |
0.15% |
0.15% |
$100,000.00 - $249,999.99 |
0.20% |
0.20% |
Share Savings Accounts
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Balances |
Dividend Rate |
APY |
$500 - $2,499.99 |
0.01% |
0.01% |
$2,500 - $9,999.99 |
0.05% |
0.05% |
$10,000 - $24,999.99 |
0.05% |
0.05% |
$25,000 - $49,999.99 |
0.05% |
0.05% |
$50,000 and over |
0.10% |
0.10% |
Includes Regular, Minor, Teen, Senior, Custodial, Trusts, and Business Accounts
Individual Retirement Share Accounts
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Balances |
Dividend Rate |
APY |
$0 - $24.99 |
0.00% |
0.00% |
$25 - $24,999.99 |
0.05% |
0.05% |
$25,000 - $49,999.99 |
0.05% |
0.05% |
$50,000 and over |
0.10% |
0.10% |
Christmas Club and Other Special Share Accounts
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Balances |
Dividend Rate |
APY |
$100 - $2,499.99 |
0.01% |
0.01% |
$2,500 - $9,999.99 |
0.05% |
0.05% |
$10,000 - $24,999.99 |
0.05% |
0.05% |
$25,000 - $49,999.99 |
0.05% |
0.05% |
$50,000 and over |
0.10% |
0.10% |
Senior Checking Accounts
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Balances |
Dividend Rate |
APY |
$0 - $499.99 |
0.00% |
0.00% |
$500 and over |
0.10% |
0.10% |