Rates
Loan Rates |
Credit Card Rates |
Deposit Rates |
Certificate Rates |
Mortgage Rates
Effective Date: Tuesday, July 15th, 2025
Rates may vary depending on each individual's credit history and underwriting factors. Apply Online
| Loan Type | Rate | APR* | Monthly Payment Amount* |
|---|---|---|---|
| Mortgages | |||
| 15-Year Fixed | 6.500% | 6.909% | $893.76 |
| 30-Year Fixed | 7.000% | 7.256% | $682.60 |
Vacant Land | |||
| 15-Year Fixed | 7.500% | 7.921% | $951.11 |
| 30-Year Fixed | 8.000% | 8.272% | $752.84 |
Rural Development | |||
| 30-Year Fixed | 7.750% | 8.018% | $735.04 |
| * 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 | 6.500% | 7.573% | $476.33 |
| HELOC | 7.500% | 8.343% | $343.18 |
| * 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. Payment example shown includes estimated closing costs of $1950. You may be required to obtain property insurance which will increase your monthly payment obligation. | |||
Vehicle Loans
Effective Date: Tuesday, July 15th, 2025
Rates may vary depending on each individual's credit history and underwriting factors. Apply Online
| Loan Type | Rate | APR* | Term | Monthly Payment Amount* |
|---|---|---|---|---|
| Vehicle Loans | ||||
| New Auto (54 month term) | 4.250% | 4.251% | up to 54 months | $713.25 |
| New Auto (66 month term) | 4.250% | 4.251% | up to 66 months | $595.63 |
| New Auto (78 month term) | 5.500% | 5.501% | up to 78 months | $534.71 |
| Used Auto | 5.500% | 5.501% | 72-78 months | $534.71 |
| Recreational Loans | ||||
| New Recreational Vehicles | 7.500% | 7.500% | up to 120 months | $415.46 |
| Used Recreational Vehicles | 8.250% | 8.250% | up to 120 months | $429.28 |
| New ATV's & Watercraft | 6.450% | 6.451% | up to 66 months | $631.32 |
| Used ATV's & Watercraft | 7.500% | 7.501% | up to 54 months | $765.67 |
| *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 a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted. The payment examples shown above do not include GAP premiums, or other insurance premium amounts, which will increase your monthly payment obligation. Your actual payment may vary based on the term, credit score and amount financed. | ||||
Personal Loan Rates
Effective Date: Tuesday, July 15th, 2025
Rates may vary depending on each individual's credit history and underwriting factors. Apply Online
| Loan Type | Rate | APR* | Term | Monthly Payment Amount* |
|---|---|---|---|---|
| My $ Loan (Signature Loan) | 9.200% | 9.202% | up to 54 months | $113.48 |
| *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 a FICO Credit Score of 680 or better and an example My $ Loan amount financed of $5,000. The payment examples shown above do not include optional insurance premium amounts, which will increase your monthly payment obligation. Your payment may vary based on the term, credit score and amount financed. | ||||
Credit Card Rates
Effective Date: Tuesday, July 15th, 2025
Rates may vary depending on each individual's credit history and underwriting factors. 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. | |
| Rate is subject to change. | |||
| Visa Disclosure | |||
Savings Rates
Effective Date: Saturday, July 1st, 2023
| Description | Minimum Balance | Minimum Balance for Dividend | Dividend Rate | APY* | 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 | 5.000% | 5.120% | Quarterly |
| *APY = Annual Percentage Yield. Any fees incurred may reduce earning on the account. Rate is subject to change. | |||||
Money Market
Effective Date: Tuesday, July 15th, 2025
| Description | Minimum Balance | Minimum Balance for Interest | Interest Rate | APY* | Interest Period Compounded & Credited |
|---|---|---|---|---|---|
| Tier 1 | $2,000.00 | $2,000.00 | 1.850% | 1.870% | Monthly |
| Tier 2 | $100,000.00 | $100,000.00 | 2.000% | 2.020% | Monthly |
| *APY=Annual Percentage Yield. Any fees incurred may reduce earnings on the account. Rate is subject to change. | |||||
Certificate Rates
Effective Date: Tuesday, July 15th, 2025
| Description | Term | Interest Rate | APY* | Minimum Purchase | Minimum Balance for Interest | Interest Period Compounded & Credited |
|---|---|---|---|---|---|---|
| 90 Day | 90 Days | 3.250% | 3.290% | $500.00 | $500.00 | Quarterly |
| 180 Day | 180 Days | 3.750% | 3.800% | $500.00 | $500.00 | Quarterly |
| 12 Month | 12 Months | 4.000% | 4.060% | $500.00 | $500.00 | Quarterly |
| 18 Month | 18 Months | 3.750% | 3.800% | $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 | 3.250% | 3.290% | $100.00 | $100.00 | Quarterly |
| 180 Day Youth | 180 Days | 3.750% | 3.800% | $100.00 | $100.00 | Quarterly |
| 12 Month Youth | 12 Months | 4.000% | 4.060% | $100.00 | $100.00 | Quarterly |
| 18 Month Youth | 18 Months | 3.750% | 3.800% | $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. | ||||||
