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Rates

Loan Rates

Credit Card Rates

Deposit Rates

Mortgage Rates
Effective Date: Wednesday, December 19th, 2018
Rates may vary depending on each individual's credit history and underwriting factors. Apply Online
Loan TypeAPR*Description
Mortgages
Fixed Rate Mortgage 4.761% 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 5.842% Rate based on term and credit history.
 
Home Equity 4.684% Fixed Rate products available.
Rate based on product and credit history.
 
Vacant Land 6.780% 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, December 19th, 2018
Rates may vary depending on each individual's credit history and underwriting factors. Apply Online
Loan TypeAPR*Description
Vehicle Loans
New Auto 3.200% Terms up to 72 months.
Rate based on term and credit history.
105% financing available.
Used Auto 4.200% 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, December 19th, 2018
Rates may vary depending on each individual's credit history and underwriting factors. Apply Online
Loan TypeAPR*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, December 19th, 2018
Apply Online
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.

Savings Rates
Effective Date: June 15, 2015
DescriptionMinimum BalanceDividend RateAPY*
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 1.000% 1.000%
Roth IRA $0.00 1.000% 1.000%
Educational IRA $0.00 1.000% 1.000%
Health Savings Account $0.00 1.250% 1.260%
*APY = Annual Percentage Yield. Any fees incurred may reduce earning on the account.

Money Market
Effective Date: November 1, 2018
DescriptionMinimum BalanceInterest RateAPY*
Tier 1 $2,000.00 0.550% 0.550%
Tier 2 $100,000.00 0.600% 0.600%
*APY=Annual Percentage Yield. Any fees incurred may reduce earnings on the account.

Certificate Rates
Effective Date: November 7, 2018
DescriptionTermInterest RateAPY*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 1.000% 1.000% $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 2.250% 2.270% $500.00
5 Year 60 Months 3.000% 3.030% $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 1.000% 1.000% $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 2.250% 2.270% $100.00
5 Year Youth 60 Months 3.000% 3.030% $100.00
Save to Win 12 Months 0.500% 0.500% $25.00
*APY = Annual Percentage Yield. Any fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity.