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% |
