Skip nav to main content.

Savings & Loan Rates

  • Savings Rates
    • Share Savings, Member’s Choice, Holiday & Vacation Club

      Rates Effective as of: 07-15-2020
      Minimum Balance (Range) to Earn Stated Dividend Dividend/Interest Rate APY
      $100 and over 0.01% 0.01%

      APY=Annual Percentage Yield.
      Rates shown are prospective rates for the current quarter

      Links to Truth-in-Savings, funds availability and other disclosures can be found in the "Privacy and Disclosure" link at the bottom of this webpage.

    • Checking Accounts

      Account Type Minimum Balance Dividend/Interest Rate APY
      Interest Checking $2,500 0.010% 0.010%

      APY=Annual Percentage Yield

      Links to Truth-in-Savings, funds availability and other disclosures can be found in the "Privacy and Disclosure" link at the bottom of this webpage.

    • Savings Certificates

      Rates Effective as of: 07-15-2020
      Term Minimum Balance Dividend/Interest Rate APY
      6 Month $500 0.200% 0.200%
      6 Month $25,000 0.250% 0.25%

      APY=Annual Percetage Yield
      Penalty for early withdrawal.

      Links to Truth-in-Savings, funds availability and other disclosures can be found in the "Privacy and Disclosure" link at the bottom of this webpage.

    • Savings Certificates and IRA Certificates Traditional-Roth-Educational

      Rates Effective as of: 07-15-2020
      Term Minimum Balance Dividend/Interest Rate APY
      1 Year $500 0.300% 0.30%
      1 Year $25,000 0.350% 0.350%
      1 Year SAVE To WIN $25, Add-ons allowed 0.250% 0.250%
      2 Year $500 0.350% 0.350%
      2 Year $25,000 0.399% 0.400%
      3 Year $500 0.399% 0.400%
      3 Year $25,000 0.449% 0.450%
      4 Year $500 0.449% 0.450%
      4 Year $25,000 0.499% 0.500%
      5 Year $500 0.499% 0.500%
      5 Year $25,000 0.549% 0.550%

      APY=Annual Percentage Yield
      Penalty for early withdrawal
      All 1 to 5 year certificates available as both regular and IRA certificates; except Save-to-Win.
      IRA Certificates can be either Roth, Traditional or Education IRA

    • Money Market Plus Accounts

      Rates Effective as of: 07-15-2020
      Minimum Deposit Dividend/Interest Rate APY
      $1,000 - $2,499 0.05% 0.05%
      $2,500 - $9,999 0.10% 0.10%
      $10,000 - $24,999 0.10% 0.10%
      $25,000 - $49,999 0.15% 0.15%
      $50,000 - $74,999 0.15% 0.15%
      $75,000 – $99,999 0.15% 0.15%
      $100,000 & over 0.20% 0.20%

      APY=Annual Percentage Yield

      Links to Truth-in-Savings, funds availability and other disclosures can be found in the "Privacy and Disclosure" link at the bottom of this webpage.

    • Money Market IRA

      Rates Effective as of: 07-15-2020
      Minimum Deposit Dividend/Interest Rate APY
      $1,000 - $4,999 0.05% 0.05%
      $5,000 - $24,999 0.10% 0.10%
      $25,000 and over 0.15% 0.15%

      APY=Annual Percentage Yield

      Links to Truth-in-Savings, funds availability and other disclosures can be found in the "Privacy and Disclosure" link at the bottom of this webpage.

    • IRA Variable Rate Savings Traditional-Roth-Educational

      Rates Effective as of: 07-15-2020
      Minimum Deposit Dividend/Interest Rate APY
      $100 0.05% 0.05%

      APY=Annual Percentage Yield

      Links to Truth-in-Savings, funds availability and other disclosures can be found in the "Privacy and Disclosure" link at the bottom of this webpage.

  • Loan Rates
    • New & Used Cars, Trucks, and Vans

      Rates Effective as of: 07-15-2020
      Max Term Term Rate (APR)
      Up to 36 Months As low as 1.99%
      37 to 48 Months As low as 1.99%
      49 to 60 Months As low as 1.99%
      61 to 72 Months As low as 2.24%
      73 to 84 Months As low as 2.74%

      2011 or older vehicles add 2% APR
      APR=Annual Percentage Rate

    • 26 years & older.  Must have an appraisal by a licensed appraiser.

      Classic, Historic Cars

      Rates Effective as of: 07-15-2020
      Max Term Term Rate (APR)
      Up to 36 Months As low as 2.74%
      37 to 48 Months As low as 3.49%
      49 to 60 Months As low as 3.74%
      61 to 72 Months As low as 3.99%

      26 years or older. Must have appraisal by licensed appraiser.
      APR=Annual Percentage Rate

    • First Mortgage Loans

      Rates Effective as of: 07-15-2020
      Other Info Max TermRates (APR)
      Down payments are required From 5 Years to 30 Years Fixed or Adjustable Rates For today’s rates, For today’s rates, Click below

      APR=Annual Percentage Rate

      For today’s rates, Click Here

    • RV’s Boats, Motorcycles

      Rates Effective as of: 07-15-2020
      Term Term Rate (APR)
      Up to 60 Months As low as 2.99%
      61-84 Months As low as 2.99%
      85-120 Months As low as 2.99%
      121-180 Months As low as 2.99%

      APR=Annual Percentage Rate
      Includes: Motor Homes, Campers, Boats, Motorcycles, ATVs & Snowmobiles

    • Personal Unsecured Closed End

      Rates Effective as of: 07-15-2020
      Max Term Term Rate (APR)
      Up to 36 months As low as 7.74%
      37 - 60 Months As low as 8.24%
      61 - 72 Months As low as 8.74%

      APR=Annual Percentage Rate

    • Line of Credit/Overdraft Protection

      Rates Effective as of: 07-15-2020
      Minimum Payment Term Rate (APR)
      3% of Balance, $30 Mininum 10.50%

      APR=Annual Percentage Rate

    • Credit Cards

      Rates Effective as of: 07-15-2020
      Type Minimum Payment Term Rate (APR) Intro Rate (APR)
      REWARDS VISA3% of Balance, $30 Minimum 9.50% 3.99% for 6 months
      PREMIER VISA3% of Balance, $30 Minimum 13.80% 5.99% for 6 months

      APR=Annual Percentage Rate
      The rate on all Visa credit cards may increase to 15.0% APR if the minimum payment due is not paid for two consecutive months.

    • Other Secured Loans

      Other Secured LoansMax TermRate (APR)
      Share Covered84 Month4.00%
      Credit Builder Loan18 Month12.00%
      CD Secured Loan 84 monthAPY + 3.00%

      APR=Annual Percentage Rate

*Disclosures

Truth in savings disclosure

  • Rates are the Annual Percentage Rate (APR) and Annual Percentage Yield (APY).
  • Dividends on share savings, checking & club accounts are based upon available earnings and declared quarterly.
  • Certificate rates are fixed for the entire term, but rates offered are subject to change.
  • There is a penalty for early withdrawal of principal from certificate accounts.
  • The interest rate on the Money Market Plus account is variable and subject to change.