Rates

Rates effective as of 12/3/2018

Visit our Disclosures for the Truth-In-Savings for all accounts and Certificates. The Truth-In-Savings contains important information on our savings and certificate products.


 

Loan Rates

Loan Type Terms APR*
Unsecured Consumer Loans
Personal Lifestyle Loan Up to 84 Months 8.99%1 - 17.99%
Line of Credit Revolving 8.99% - 17.99%
VISA Credit Cards
Classic VISA Revolving. Fixed Rate. 9.90% - 16.90%
Platinum VISA Revolving. Fixed Rate. 8.90% - 16.90%
Auto Loans
New or Used Autos Up to 84 Months 4.49%1 - 16.99%
Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has milage of 125,000 or more.
Recreational Vehicle Loans
New or Used Motorcycles Up to 144 Months 5.49%1 - 16.49%
New or Used Motorhomes, Trailers, 5th Wheels, Campers Up to 144 Months 5.49%1 - 16.49%
New or Used Boats Up to 144 Months 6.49%1 - 18.00%
New or Used ATVs, Personal Watercraft, Snowmobiles Up to 144 Months 6.49%1 - 18.00%
Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has milage of 125,000 or more.
Other Types of Consumer Loans
Certificate Secured Loan Term of Certificate Certificate Rate + 3.00%
Share Secure Loan Up to 84 Months 5.00%
HELP - Home Equity Line of Credit with a Variable Rate
Up to 90% Loan to Value 60 month draw period
30-year repayment period
5.25% - 6.25%

1Deduct .25% if automatic payments are established at loan signing

 

Share Rates

Share Balance APY**
$5.00 - $1,000 .15
$1,001 - $5,000 .15
$5,001 - $10,000 .20
$10,000+ .20
IRA/HSA Shares
No Minimum Balance Required .35
Regular Checking
Great Value Checking .10
Platinum Plus Checking .10
Business Checking
Business Plus .10
Big Business .10
High Volume .10
Money Market
$2,500 - $25,000 .20
$25,001 - $50,000 .25
$50,001+ .30

Certificate Rates

Certificate Term Minimum Deposit APY** Platinum
3 Month CD $500.00 .30 Not Applicable
3 Month CD $5,000.00 .30 Not Applicable
3 Month CD $10,000.00 .30 Not Applicable
6 Month CD $500.00 .35 Not Applicable
6 Month CD $5,000.00 .35 Not Applicable
6 Month CD $10,000.00 .35 Not Applicable
9 Month CD $500.00 .60 Not Applicable
9 Month CD $5,000.00 .60 Not Applicable
9 Month CD $10,000.00 .60 Not Applicable
12 Month CD $500.00 .80 Not Applicable
12 Month CD $5,000.00 .80 Not Applicable
12 Month CD $10,000.00 .80 Not Applicable
18 Month Bump CD $500.00 1.00 Not Applicable
18 Month Bump CD $5,000.00 1.00 Not Applicable
18 Month Bump CD $10,000.00 1.00 Not Applicable
24 Month CD $500.00 2.00 2.25
24 Month CD $5,000.00 2.00 2.25
24 Month CD $10,000.00 2.00 2.25
36 Month CD $500.00 1.75 2.00
36 Month CD $5,000.00 1.75 2.00
36 Month CD $10,000.00 1.75 2.00
12 Month IRA/HSA CD $2,000.00 1.25 Not Applicable
24 Month IRA/HSA CD $2,000.00 2.00 Not Applicable
36 Month IRA/HSA CD $2,000.00 2.10 Not Applicable
6 Month Child's CD $100.00 1.00 Not Applicable