Rates
Loan Rates |
Credit Card Rates |
Deposit Rates |
| Mortgage Rates | ||
| Effective Date: Wednesday, January 26th, 2022 | ||
| Rates may vary depending on each individual's credit history and underwriting factors. Apply Online | ||
| Loan Type | APR* | Description |
| Mortgages | ||
| Fixed Rate Mortgage | 2.625% | 10, 15, 20, and 30 year terms available. Rate based on loan value, term and credit history. |
| Balloon Mortgage | 4.250% | 5.5, 7, and 10 year balloons with 30 year amortization. Rate based on term and credit history. |
| Rural Development | 4.000% | Rate based on term and credit history. |
| Home Equity | 4.250% | Fixed Rate products available. Rate based on product and credit history. |
| Vacant Land | 4.125% | 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 26th, 2022 | ||
| Rates may vary depending on each individual's credit history and underwriting factors. Apply Online | ||
| Loan Type | APR* | Description |
| Vehicle Loans | ||
| New Auto | 2.750% | Terms up to 72 months. Rate based on term and credit history. 105% financing available. |
| Used Auto | 3.750% | Terms up to 72 months. Rate based on age of auto, term and credit history. 105% financing available. |
| Recreational Loans | ||
| New Recreational Vehicles | 2.750% | Terms up to 60 months. Rate based on credit history. 105% financing available. |
| Used Recreational Vehicles | 3.750% | Terms up to 60 months. Rate based on credit history. 105% financing available. |
| New ATV's & Watercraft | 2.750% | Terms up to 60 months. Rate based on term and credit history. 105% financing available. |
| Used ATV's & Watercraft | 3.750% | 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 26th, 2022 | ||
| Rates may vary depending on each individual's credit history and underwriting factors. Apply Online | ||
| Loan Type | APR* | Description |
| Unsecured | 4.950% | 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 26th, 2022 | |||
| 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: 06/17/2020 | |||||
| Description | Minimum Balance | Minimum Balance for Dividend | Dividend Rate | APY* | Div. Period Compounded & Credited |
| 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 | 1.500% | 1.510% | ||
| Roth IRA | $0.00 | 1.500% | 1.510% | ||
| Educational IRA | $0.00 | 1.500% | 1.510% | ||
| Health Savings Account | $0.00 | 1.500% | 1.510% | ||
| Money Market | |||||
| Effective Date: 02/01/2021 | |||||
| Description | Minimum Balance | Minimum Balance for Dividend | Interest Rate | APY* | Div. Period Compounded & Credited |
| Tier 1 | $2,000.00 | 0.250% | 0.250% | ||
| Tier 2 | $100,000.00 | 0.300% | 0.300% | ||
| *APY=Annual Percentage Yield. Any fees incurred may reduce earnings on the account. | |||||
| Certificate Rates | ||||||
| Effective Date: 01/19/2022 | ||||||
| Description | Term | Interest Rate | APY* | Minimum Purchase | Minimum Balance for Dividend | Div. Period Compounded & Credited |
| 90 Day | 90 Days | 0.100% | 0.100% | $500.00 | $500.00 | Quarterly |
| 180 Day | 180 Days | 0.100% | 0.100% | $500.00 | $500.00 | Quarterly |
| 12 Month | 12 Months | 0.200% | 0.200% | $500.00 | $500.00 | Quarterly |
| 18 Month | 18 Months | 0.250% | 0.250% | $500.00 | $500.00 | Quarterly |
| 2 Year | 24 Months | 0.350% | 0.350% | $500.00 | $500.00 | Quarterly |
| 3 Year | 36 Months | 0.500% | 0.500% | $500.00 | $500.00 | Quarterly |
| 4 Year | 48 Months | 0.700% | 0.700% | $500.00 | $500.00 | Quarterly |
| 5 Year | 60 Months | 1.050% | 1.050% | $500.00 | $500.00 | Quarterly |
| 90 Day Youth | 90 Days | 0.100% | 0.100% | $100.00 | $100.00 | Quarterly |
| 180 Day Youth | 180 Days | 0.100% | 0.100% | $100.00 | $100.00 | Quarterly |
| 12 Month Youth | 12 Months | 0.200% | 0.200% | $100.00 | $100.00 | Quarterly |
| 18 Month Youth | 18 Months | 0.250% | 0.250% | $100.00 | $100.00 | Quarterly |
| 2 Year Youth | 24 Months | 0.350% | 0.350% | $100.00 | $100.00 | Quarterly |
| 3 Year Youth | 36 Months | 0.500% | 0.500% | $100.00 | $100.00 | Quarterly |
| 4 Year Youth | 48 Months | 0.700% | 0.700% | $100.00 | $100.00 | Quarterly |
| 5 Year Youth | 60 Months | 1.050% | 1.050% | $100.00 | $100.00 | Quarterly |
| Save to Win | 12 Months | 0.500% | 0.500% | $25.00 | $25.00 | Quarterly |
