Rates
All rates effective 07/01/2020. All rates subject to change without notice.
Savings Rates
Account |
Dividend Rate |
APY (Annual Percentage Yield) |
Regular Savings Share Accounts |
0.20% |
0.20% |
IRA Share Accounts |
0.75% |
0.75% |
Checking Accounts |
.05% |
.05% |
APY (Annual Percentage Yield). Fees could reduce earnings. $25 minimum opening deposit for checking accounts; $5 minimum opening deposit for IRA Share Accounts.
Certificate Rates
Term |
Dividend Rate |
APY |
Jumbo Dividend Rate |
Jumbo APY |
6 months |
0.25% |
0.25% |
0.35% |
0.35% |
12 months |
0.50% |
0.50% |
0.60% |
0.60% |
24 months |
0.60% |
0.60% |
.70% |
.70% |
36 months |
0.70% |
0.70% |
0.80% |
0.80% |
48 months |
0.80% |
0.80% |
0.90% |
0.90% |
60 months |
0.90% |
0.90% |
1.00% |
1.00% |
Offering rates may change. Minimum $500 deposit required for certificate accounts. Fees may reduce earnings. Penalties may apply for early withdrawals from certificate accounts. With a Bump Up Option, elect to increase the dividend rate of the Bump Up certificate one (1) time during the term of the certificate.
New or Used Vehicle Loans
Cars, Trucks, Boats, Motorcycles, and RV: Up to 80% Loan-to-Value Ratio
Term |
APR1 (Annual Percentage Rate) |
Monthly Payment per $1,000 |
24 |
1.95% |
$42.52 |
36 |
2.25% |
$28.76 |
48 |
2.75% |
$22.03 |
60 |
3.25% |
$18.08 |
72 |
3.45% |
$15.40 |
84 |
4.85% |
$14.07 |
Cars, Trucks, Boats, Motorcycles, and RV: 81% to 100% Loan-to-Value Ratio
Term |
APR1 (Annual Percentage Rate) |
Monthly Payment per $1,000 |
24 |
2.15% |
$42.61 |
36 |
2.45% |
$28.84 |
48 |
2.95% |
$22.12 |
60 |
3.45% |
$18.17 |
72 |
3.65% |
$15.49 |
84 |
5.05% |
$14.16 |
Credit Cards
Account |
Term |
APR |
Mastercard® Platinum |
Open-end |
7.50% |
Mastercard® Rewards World |
Open-end |
9.50% |
Secured Personal Loans
Account |
Term |
APR |
Share/TSA |
Up to 120 months |
2% above dividend rate |
Checking Account Overdraft Protection |
Open-end |
12% |
Unsecured Personal Loans
Term |
APR1 (Annual Percentage Rate) |
Monthly Payment per $1,000 |
12 |
5.85% |
$86.00 |
24 |
6.35% |
$44.49 |
36 |
6.85% |
$30.82 |
48 |
7.35% |
$24.11 |
60 |
7.85% |
$20.21 |
72 |
8.35% |
$17.71 |
84 |
8.85% |
$16.02 |
96 |
9.35% |
$14.84 |
¹ Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.