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 Type | Rate | APR* | 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 Type | APR* | 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 Type | APR* | 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 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. | |
| *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
| 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 | 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
| Description | Minimum Balance | Minimum Balance for Dividend | Interest Rate | APY* | 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
| Description | Term | Interest Rate | APY* | Minimum Purchase | Minimum Balance for Dividend | Div. 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. | ||||||
