Rates
Loan Rates |
Credit Card Rates |
Deposit Rates |
| Mortgage Rates | ||
| Effective Date: Wednesday, January 22nd, 2020 | ||
| Rates may vary depending on each individual's credit history and underwriting factors. Apply Online | ||
| Loan Type | APR* | Description |
| Mortgages | ||
| Fixed Rate Mortgage | 3.989% | 10, 15, 20, and 30 year terms available. Rate based on loan value, term and credit history. |
| Balloon Mortgage | 4.198% | 5.5, 7, and 10 year balloons with 30 year amortization. Rate based on term and credit history. |
| Rural Development | 4.822% | Rate based on term and credit history. |
| Home Equity | 4.279% | Fixed Rate products available. Rate based on product and credit history. |
| Vacant Land | 6.008% | 10,15, and 20 year fixed rate terms available. 5.5, 7, and 10 year balloon terms avaialble |
| *APR = Annual Percentage Rate. | ||
| Vehicle Loans | ||
| Effective Date: Wednesday, January 22nd, 2020 | ||
| Rates may vary depending on each individual's credit history and underwriting factors. Apply Online | ||
| Loan Type | APR* | Description |
| Vehicle Loans | ||
| New Auto | 3.200% | Terms up to 72 months. Rate based on term and credit history. 105% financing available. |
| Used Auto | 4.20% | Terms up to 72 months. Rate based on age of auto, term and credit history. 105% financing available. |
| Recreational Loans | ||
| New Recreational Vehicles | 3.200% | Terms up to 60 months. Rate based on credit history. 105% financing available. |
| Used Recreational Vehicles | 4.200% | Terms up to 60 months. Rate based on credit history. 105% financing available. |
| New ATV's & Watercraft | 3.200% | Terms up to 60 months. Rate based on term and credit history. 105% financing available. |
| Used ATV's & Watercraft | 4.200% | Terms up to 60 months. Rate based on term and credit history. 105% financing available. |
| *APR = Annual Percentage Rate. | ||
| Personal Loan Rates | ||
| Effective Date: Wednesday, January 22nd, 2020 | ||
| Rates may vary depending on each individual's credit history and underwriting factors. Apply Online | ||
| Loan Type | APR* | Description |
| Unsecured | 6.950% | My $ Loan for any purpose up to 48 months. Rate based on credit history. |
| Overdraft Protection | 15.000% | Line of Credit. Overdraft protection for share draft accounts. |
| *APR = Annual Percentage Rate. | ||
| Credit Card Rates | |||
| Effective Date: Wednesday, January 22nd, 2020 | |||
| Apply Online | |||
| Card Type | APR* | Description | Apply Now |
|
10.96% | In-house administered credit card program. | |
| 12.96% | In-house administered credit card program. | ||
| Student Visa* | 12.96% | In-house administered credit card program. | |
| Savings Rates | |||
| Effective Date: 07/01/2019 | |||
| Description | Minimum Balance | Dividend Rate | APY* |
| Regular Share | $5.00 | 0.150% | 0.150% |
| Preferred Share | $0.00 | 0.200% | 0.200% |
| Christmas Club | $0.00 | 0.150% | 0.150% |
| Vacation Club | $0.00 | 0.150% | 0.150% |
| Share Draft | $0.00 | 0.000% | 0.000% |
| Traditional IRA | $0.00 | 2.000% | 2.020% |
| Roth IRA | $0.00 | 2.000% | 2.020% |
| Educational IRA | $0.00 | 2.000% | 2.020% |
| Health Savings Account | $0.00 | 2.000% | 2.020% |
| Money Market | |||
| Effective Date: February 22, 2019 | |||
| Description | Minimum Balance | Interest Rate | APY* |
| Tier 1 | $2,000.00 | 0.650% | 0.650% |
| Tier 2 | $100,000.00 | 0.750% | 0.750% |
| *APY=Annual Percentage Yield. Any fees incurred may reduce earnings on the account. | |||
| Certificate Rates | ||||
| Effective Date: Wednesday, January 22nd, 2020 | ||||
| Description | Term | Interest Rate | APY* | Minimum Purchase |
| 90 Day | 90 Days | 0.250% | 0.250% | $500.00 |
| 180 Day | 180 Days | 0.500% | 0.500% | $500.00 |
| 12 Month | 12 Months | 0.750% | 0.750% | $500.00 |
| 18 Month | 18 Months | 2.000% | 2.010% | $500.00 |
| 2 Year | 24 Months | 1.250% | 1.260% | $500.00 |
| 3 Year | 36 Months | 1.500% | 1.510% | $500.00 |
| 4 Year | 48 Months | 1.750% | 1.760% | $500.00 |
| 5 Year | 60 Months | 2.500% | 2.520% | $500.00 |
| 90 Day Youth | 90 Days | 0.250% | 0.250% | $100.00 |
| 180 Day Youth | 180 Days | 0.500% | 0.500% | $100.00 |
| 12 Month Youth | 12 Months | 0.750% | 0.750% | $100.00 |
| 18 Month Youth | 18 Months | 2.000% | 2.010% | $100.00 |
| 2 Year Youth | 24 Months | 1.250% | 1.260% | $100.00 |
| 3 Year Youth | 36 Months | 1.500% | 1.510% | $100.00 |
| 4 Year Youth | 48 Months | 1.750% | 1.760% | $100.00 |
| 5 Year Youth | 60 Months | 2.500% | 2.520% | $100.00 |
| Save to Win | 12 Months | 0.500% | 0.500% | $25.00 |
