Routing #272476433

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Rates

Loan Rates

Credit Card Rates

Deposit Rates

Mortgage Rates
Effective Date: Tuesday, November 29th, 2022
Rates may vary depending on each individual's credit history and underwriting factors. Apply Online
Loan TypeRateAPR*Monthly Payment Amount*
Mortgages
15-Year Fixed 6.125% 6.539% $850.62
30-Year Fixed 6.500% 6.754% $632.07
Vacant Land
15-Year Fixed 7.250% 7.644% $913.17
30-Year Fixed 8.000% 8.256% $733.76
Rural Development
30-Year Fixed 7.000% 7.399% $665.30
* APR = Annual Percentage Rate. Published rate on date stated is subject to change without notice. Rate stated is “as low as” and not all borrowers may qualify. Rate and APR advertised assumes the loan is for an owner-occupied, single family, one-unit purchase transaction with a loan amount of $100,000, at 80% LTV with a FICO Credit Score of 680 or better. The disclosed APR includes origination fees and other finance charges. The APR’s disclosed above assume closing costs of $2,600. Your actual closing costs may vary based on your individual transaction. If your down payment is less than 20%, you may be required to obtain Private Mortgage Insurance (“PMI”) and to escrow for property taxes and insurance. The payment examples shown above do not include PMI premiums, property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation.
Home Equity**
10-Year Fixed 6.750% 7.610% $459.30
HELOC 5.750% 6.392% $439.08
* APR = Annual Percentage Rate. Published rate on date stated is subject to change without notice.
**Home Equity advertised rate and APR assumes amount financed is $40,000. HELOC rate based on a 10 year draw with a 10 year repayment period. Minimum floor rate is 4.0% and maximum rate that may be imposed is 15% using the prime rate as an index.

Vehicle Loans
Effective Date: Tuesday, November 29th, 2022
Rates may vary depending on each individual's credit history and underwriting factors. Apply Online
Loan TypeAPR*Description
Vehicle Loans
New Auto 5.25% Terms up to 78 months.
Rate based on term, value, and credit history.
105% financing available.
Used Auto 5.750% Terms up to 72 months.
Rate based on age of auto, term, and credit history.
105% financing available.
Recreational Loans
New Recreational Vehicles 5.000% Terms up to 66 months.
Rate based on term and credit history.
105% financing available.
Used Recreational Vehicles 5.750% Terms up to 66 months.
Rate based on term and credit history.
105% financing available.
New ATV's & Watercraft 5.000% Terms up to 66 months.
Rate based on term and credit history.
105% financing available.
Used ATV's & Watercraft 5.750% Terms up to 54 months.
Rate based on term and credit history.
105% financing available.
*APR = Annual Percentage Rate. Rate is subject to change.

Personal Loan Rates
Effective Date: Tuesday, November 29th, 2022
Rates may vary depending on each individual's credit history and underwriting factors. Apply Online
Loan TypeAPR*Description
My $ Loan (Signature Loan) 6.950% For any purpose. Terms up to 54 months.
Rate based on term and credit history.
Overdraft Protection 15.000% Line of Credit.
Overdraft protection for share draft accounts.
*APR = Annual Percentage Rate. Rate is subject to change.

Credit Card Rates
Effective Date: Tuesday, November 29th, 2022
Card TypeAPR*DescriptionApply Now

Visa Platinum*

 

10.96% In-house administered credit card program.

Apply Online

Visa Classic* 12.96% In-house administered credit card program.

Apply Online

Student Visa* 12.96% In-house administered credit card program.

Apply Online

*A 1.00% foreign transaction fee will apply on all foreign transactions. Rate is subject to change.

Savings Rates
Effective Date: Saturday, October 1st, 2022
DescriptionMinimum BalanceMinimum Balance for DividendDividend RateAPY*Div. Period Compounded & Credited
Regular Share $5.00 N/A 0.150% 0.150% Quarterly
Preferred Share $0.00 N/A 0.200% 0.200% Quarterly
Christmas Club $0.00 N/A 0.150% 0.150% Quarterly
Vacation Club $0.00 N/A 0.150% 0.150% Quarterly
Share Draft $0.00 N/A 0.000% 0.000% N/A
Traditional IRA $0.00 N/A 1.500% 1.510% Quarterly
Roth IRA $0.00 N/A 1.500% 1.510% Quarterly
Educational IRA $0.00 N/A 1.500% 1.510% Quarterly
Health Savings Account $0.00 N/A 1.500% 1.510% Quarterly
*APY = Annual Percentage Yield. Any fees incurred may reduce earning on the account. Rate is subject to change.

Money Market
Effective Date: Tuesday, November 29th, 2022
DescriptionMinimum BalanceMinimum Balance for DividendInterest RateAPY*Div. Period Compounded & Credited
Tier 1 $2,000.00 $2,000.00 0.950% 0.950% Monthly
Tier 2 $100,000.00 $100,000.00 1.000% 1.010% Monthly
*APY=Annual Percentage Yield. Any fees incurred may reduce earnings on the account. Rate is subject to change.

Certificate Rates
Effective Date: Tuesday, November 29th, 2022
DescriptionTermInterest RateAPY*Minimum PurchaseMinimum Balance for DividendDiv. Period Compounded & Credited
90 Day 90 Days 0.450% 0.450% $500.00 $500.00 Quarterly
180 Day 180 Days 0.550% 0.550% $500.00 $500.00 Quarterly
12 Month 12 Months 0.750% 0.750% $500.00 $500.00 Quarterly
18 Month 18 Months 4.000% 4.060% $500.00 $500.00 Quarterly
2 Year 24 Months 2.000% 2.020% $500.00 $500.00 Quarterly
3 Year 36 Months 2.500% 2.520% $500.00 $500.00 Quarterly
4 Year 48 Months 2.750% 2.780% $500.00 $500.00 Quarterly
5 Year 60 Months 3.000% 3.030% $500.00 $500.00 Quarterly
90 Day Youth 90 Days 0.450% 0.450% $100.00 $100.00 Quarterly
180 Day Youth 180 Days 0.550% 0.550% $100.00 $100.00 Quarterly
12 Month Youth 12 Months 0.750% 0.750% $100.00 $100.00 Quarterly
18 Month Youth 18 Months 4.000% 4.060% $100.00 $100.00 Quarterly
2 Year Youth 24 Months 2.000% 2.020% $100.00 $100.00 Quarterly
3 Year Youth 36 Months 2.500% 2.520% $100.00 $100.00 Quarterly
4 Year Youth 48 Months 2.750% 2.780% $100.00 $100.00 Quarterly
5 Year Youth 60 Months 3.000% 3.030% $100.00 $100.00 Quarterly
Save to Win 12 Months 0.500% 0.500% $25.00 $25.00 Quarterly
*APY = Annual Percentage Yield. Any fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate.