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 Learn More

Model Year Rate
2020 - 2019 Vehicles As low as 2.99%
2018 Used Vehicles As low as 3.19%
2017 Used Vehicles As low as 3.19%
2016 Used Vehicles As low as 3.59%
2015 - 2014 Used Vehicles As low as 4.59%
2013 - 2012 Used Vehicles As low as 4.59%
2011 - 2009 Used Vehicles As low as 5.59%
2008 & Older Used Vehicles As low as 7.59%

Recreational Vehicles Learn More

Model Year Rate
All Model Years As low as 5.50%

Signature Loans Learn More

Rate
As low as 9.99%

Variable Rate Home Equity Line of Credit Learn More

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.

Share Secured Loans Learn More

Rate
Prime Rate (with a floor rate of 3.00%)

Visa Credit Cards Learn More

Type Rate
Visa Platinum 10.90% to 15.90%*

Annual percentage rate is determined by credit score.

Deposit Rates

Share/IRA Certificate Accounts Learn More

Term Rate APY
3 months 0.10% 0.100%
6 months 0.20% 0.200%
12 months 0.40% 0.401%
18 months 0.50% 0.501%
24 months 0.60% 0.601%
36 months 0.75% 0.752%
48 months 0.85% 0.853%
60 months 0.95% 0.953%

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

Minor Certificates Learn More

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 Learn More

Balances Dividend Rate APY
$0 - $2,499.99 0.00% 0.00%
$2,500 - $9,999.99 0.15% 0.15%
$10,000 - $49,999.99 0.20% 0.20%
$50,000 - $99,999.99 0.25% 0.25%
$100,000.00 - $249,999.99 0.30% 0.30%

Share Savings Accounts Learn More

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% 0.10%
$25,000 - $49,999.99 0.10% 0.10%
$50,000 and over 0.10% 0.10%

Includes Regular, Minor, Teen, Senior, Custodial, Trusts, and Business Accounts

Individual Retirement Share Accounts Learn More

Balances Dividend Rate APY
$0 - $24.99 0.00% 0.00%
$25 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.10% 0.10%
$50,000 and over 0.15% 0.15%

Christmas Club and Other Special Share Accounts Learn More

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 0.10% 0.10%
$50,000 and over 0.10% 0.10%

Senior Checking Accounts Learn More

Balances Dividend Rate APY
$0 - $499.99 0.00% 0.00%
$500 and over 0.10% 0.10%