Rates

Checking & Savings Rates

Checking

Checking

Individual Membership Application
Checking Rates
Product Description Minimum Balance Dividend/Interest Rate APY 1 Term
Regular Checking or DBA Checking $0.00 0.00% 0.00% N/A
  $500.00 0.10% 0.10% N/A
Prime Checking or DBA Prime Account 2, 3
Product Description Minimum Balance Dividend/Interest Rate APY 1 Term
TIER I $1,500.00 0.15% 0.10% N/A
TIER II $5,000.00 0.20% 0.15% N/A
TIER llI $10,000.00 0.30%                            0.25% N/A
TIER IV $50,000.00 0.35% 0.30% N/A
TIER V $100,000.00 0.50% 0.50% N/A

Savings

Savings

Individual Membership Application
Share Savings Account Rates
Product Description Minimum Balance Dividend/Interest Rate APY* Term
Regular $25.00 0.10% 0.10% N/A
Tier ($2,000 – $19,999) $2,000.00 0.15% 0.15% N/A
Tier ($20,000 – $49,999) $20,000.00 0.20% 0.20% N/A
Tier ($50,000 – $100,000+) $50,000.00 0.25% 0.25% N/A
Club Account Rates
Product Description Minimum Balance Dividend/Interest Rate APY* Term
Christmas or Vacation Club N/A 0.10% 0.10% N/A

Regular CDs

Regular CDs
Product Description Minimum Balance Max. Limit per Member Dividend/Interest Rate APY*
6 Month $1,000.00 $100,000.00 0.90% 0.90%

12 Month

 $1,000.00 $100,000.00 1.50% 1.50%
18 Month $1,000.00 $100,000.00 2.00% 2.02%
24 Month $1,000.00 $100,000.00 2.25% 2.27%
36 Month $1,000.00 $100,000.00 2.25% 2.27%
48 Month $1,000.00 $100,000.00 2.50% 2.53%
60 Month $1,000.00 $100,000.00 2.75% 2.78%

Traditional and Roth IRA CDs

Traditional IRA CDs
Product Description Minimum Balance Max. Limit per Member Dividend/Interest Rate APY* Term in Months
IRA Certificates – 12 months $1,000.00 $100,000.00 1.60% 1.61% 12
IRA Certificates – 18 months $1,000.00 $100,000.00 2.10% 2.12% 18
IRA Certificates – 24 months $1,000.00 $100,000.00 2.35% 2.38% 24
IRA Certificates – 36 months $1,000.00 $100,000.00 2.35% 2.38% 36
IRA Certificates – 48 months $1,000.00 $100,000.00 2.60% 2.63% 48
IRA Certificates – 60 months $1,000.00 $100,000.00

2.85%

 2.89% 60
Roth IRA CDs
Product Description Minimum Balance Max. Limit per Member Dividend/Interest Rate APY* Term
IRA Certificates – 12 months ROTH $1,000.00 $100,000.00 1.60% 1.61% 12
IRA Certificates -18 months ROTH $1,000.00 $100,000.00 2.10% 2.12% 18
IRA Certificates -24 months ROTH $1,000.00 $100,000.00 2.35% 2.38% 24
IRA Certificates -36 months ROTH $1,000.00 $100,000.00 2.35% 2.38% 36
IRA Certificates -48 months ROTH $1,000.00 $100,000.00 2.60% 2.63% 48
IRA Certificates -60 months ROTH $1,000.00 $100,000.00 2.85% 2.89% 60 

Traditional & Roth IRA Shares

Traditional & Roth IRA Shares
Product Description Minimum Balance APY*
Traditional or Roth IRA $0.00 – $24.99 0.00%
Traditional or Roth IRA $25.00 – $49,999.99 0.25%
Traditional or Roth IRA $50,000.00 – $100,000.00 0.40%

Loan Rates

Mortgage

Fixed Rate Mortgages

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Up to 95% financing available

Mortgage
Product Points Interest Rate* APR**
10 Year Term 0 6.500% 6.929%
15 Year Term 0 6.625% 6.932%
20 Year Term 0 6.875% 7.124%
30 Year Term 0 7.375% 7.574%

Construction Loans – Rates may be higher, call for more information.

Homeowners insurance is required on all Mortgage and Equity loan products.

All rates are subject to change. Please call for details. Rates effective  as of 11/11/2022

*Interest rates shown are “as low as,” credit score, property value and loan terms affect final rates.

**APR = Annual Percentage Rate.

Equity

Home Equity Line of Credit

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HELOC SPECIAL – 1.99% APR* 12 Month introductory rate, then prime – 0.25% 1

Up to 80% financing available minus mortgage balance

Home Equity Line of Credit
Product Description Closing Costs Interest Rate
15 Year (10 Year Draw) Waived except for Appraisal fee ($350.00) Prime Rate – 0.25% = Rate
Not to go below Floor Rate of 3.00%

1 This loan has a variable rate feature and has an introductory rate of 1.99% APR* for the initial 12 months and will convert to a variable rate. The variable rate is based on the highest prime rate published in the Wall Street Journal on the first business day of each month minus .25%. Current prime rate as of 09/22/2022 is 6.25% APR*. The rate will vary. Rate will never exceed 18% APR* and has a floor of 3.00% APR*. Minimum cash out $10,000.00. Maximum loan is $200,000. Minimum monthly payments are based on principal and interest of the amount advanced, amortized within the original 15 year term.

Repayment terms based on $1,000.00 for a 15 year term at 6.00% APR* (Current Prime rate -.25%) is $8.45 month.

Homeowners insurance is required on all Mortgage and Equity loan products.

Fixed Rate Equity Loans

Up to 80% financing available minus mortgage balance.

Fixed Rate Equity Loans
Product Description Points Interest Rate APR* Payment Per $1000
5 Year Term N/A as low as 4.125% 4.125%  
10 Year Term N/A as low as 4.375% 4.375%  
15 Year Term N/A as low as 4.740% 4.740%  
20 Year Term N/A as low as 5.500% 5.500%  

Homeowners insurance is required on all Mortgage and Equity loan products.

*APR = Annual Percentage Rate.

All rates are subject to change. Please call for details. Rates effective 11/11/2022

Vehicle

Vehicle Loans

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We offer new and used automobile loans with financing up to 100% of the cost of the new or used vehicle with loan terms up to 84 months!

Get Pre-approved today BEFORE you start shopping for your vehicle, saving you time and hassle at the dealership. A pre-approved auto loan is valid for 30 days.

New and Used Auto Rates shown include the maximum .50% relationship discount available. Additional discounts available based on Loan-To-Value. Please speak with a loan officer for more details and to see if you qualify.

New and Used Autos

Maximum Loan Amount is $60,000
Term Fixed APR* as low as Monthly Payment per $1,000 Borrowed
36 Months 2.49% $28.86
48 Months 2.99% $21.91
60 Months 3.49% $18.19
72 Months 3.99% $15.65
84 Months 4.49% $13.90

Motorcycles

Motorcycles – Financing up to 70% of the unit price of NADA Average Retail Value
Product Description Term in Years Maximum Limit Fixed APR* as low as Monthly Payment per $1,000 Borrowed
2021 – New 5 $40,000 3.99% $18.42
Used 2013 – 2020 5 $25,000 4.99% $18.87

Recreational Vehicles

Recreational Vehicles: Trailers, Motorhomes and Boats – Financing up to 70% of the unit price of NADA Average Retail Value
Product Description Term in Years Maximum Limit Fixed APR* as low as Monthly Payment per $1,000 Borrowed
New/Used
2021-2022		 6-10 $50,000 7.49% $11.87
New/Used
2021-2022		 5 $50,000 6.49% $19.57
Used 2020 – 2013 5 $50,000 6.49% $19.57

*APR = Annual Percentage Rate. Your actual rate may be different than the advertised rate based on your credit score.

All rates are subject to change without notice. Please call for details. Rates effective 11/11/2022.

**Other terms may be available.

Unsecured & Secured

Personal Loans

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Product Description Term in Years Maximum Limit Rate APR* Term in Months Payment Per $1000
Personal Loans 1 $4,000 as low as 7.25% as low as 7.25% 12 $86.66 per month
  2 $4,000 as low as 8.99% as low as 8.99% 24 $45.69 per month
  3 $4,000 as low as 9.99% as low as 9.99% 36 $32.27 per month
  4 $6,000 as low as 10.99% as low as 10.99% 48 $25.85 per month
  5 $8,000 as low as 11.99% as low as 11.99% 60 $22.25 per month
  6 $15,000 as low as 12.99% as low as 12.99% 72 $20.08 per month
Medical/Computer Loan 3 $3,000 as low as 7.25% as low as 7.25% 36 $31.00 per month
Christmas/Vacation Loans 1 $4,000 as low as 7.25% as low as 7.25% 12 $86.66 per month
Insurance Loan 1 $3,000 as low as 7.25% as low as 7.25% 12 $86.66 per month
Energy Loan 1 $3,000 as low as 7.25% as low as 7.25% 12 $86.66 per month
Personal Line of Credit open end $15,000 as low as 10.99% as low as 10.99% open end $20.00 per month
Reserve Checking 3 $1,500 15.00% 15.00% 36 $34.69 per month
Shares Pledge Loans 3 $50,000 2.50% over share/CD 2.50% over share/CD 3  
can tie to a CD – same maturity date 4-5 $50,000 4.50% over share/CD 4.50% over share/CD 4-5  
can be scheduled payments for fixed term 5-7 $50,000 6.00% over share/CD 6.00% over share/CD 5-7  
or stationary with no scheduled payment till maturity 7-10 $50,000 7.00% over share/CD 7.00% over share/CD 7-10  
Credit Cards – 3 options available            
Classic no term Based on as low as 10.25% as low as 10.25%    
Rewards no term Credit as low as 12.50% as low as 12.50%    
Secured no term Score 13.50% 13.50%    

Quick Links

Personal Loans

 

Personal Loans

As Low As

7.25% APR*

Apply Now

 

Mortgage Loan

Mortgage Loan

10-30 Year Term
Up to 97% Financing
Call For Rates
Apply Now

New Auto Loan

 

 

New Auto Loan

As Low As
2.49%
APR* for 3 years
Apply Now

 

Equity

 

Equity

As Low As
1.99%
12-Month Introductory Rate
APR*
Apply Now

 

Need Assistance?

Call (413) 782-3161

Attention members : If you should receive a call or text message from the Fraud Detection Center, please be advised this is NOT a scam. Our debit card processor (Fiserv) will reach out if there is any suspicious activity on your card. Please know that it is safe to discuss your transactions with them as they are working with us to offer your account protection. The number to call back in the event of a missed call is 1-844-682-4502. Thank you, and please reach out with any questions or concerns.