Checking & Savings Rates
Checking
Checking
Individual Membership Application| Product Description | Minimum Balance | Dividend/Interest Rate | APY * | Term |
|---|---|---|---|---|
| Regular Checking or DBA Checking | $0.00 | 0.00% | 0.00% | N/A |
| $500.00 | 0.05% | 0.05% | N/A |
| Product Description | Minimum Balance | Dividend/Interest Rate | APY * | Term |
|---|---|---|---|---|
| TIER I | $1,500.00 | 0.10% | 0.10% | N/A |
| TIER II | $5,000.00 | 0.30% | 0.30% | N/A |
| TIER llI | $10,000.00 | 0.40% | 0.40% | N/A |
| TIER IV | $50,000.00 | 0.55% | 0.55% | N/A |
| TIER V | $100,000.00 | 0.65% | 0.65% | N/A |
*Annual Percentage Yield
Savings
Savings
Individual Membership Application| Product Description | Minimum Balance | Dividend/Interest Rate | APY* | Term |
|---|---|---|---|---|
| Regular | $25.00 | 0.05% | 0.05% | N/A |
| Tier ($2,000 – $19,999) | $2,000.00 | 0.10% | 0.10% | N/A |
| Tier ($20,000 – $49,999) | $20,000.00 | 0.15% | 0.15% | N/A |
| Tier ($50,000 – $100,000+) | $50,000.00 | 0.20% | 0.20% | N/A |
| Product Description | Minimum Balance | Dividend/Interest Rate | APY* | Term |
|---|---|---|---|---|
| Christmas or Vacation Club | N/A | 0.05% | 0.05% | N/A |
*Annual Percentage Yield
Regular CDs
| Product Description | Minimum Balance | Max. Limit per Member | Dividend/Interest Rate | APY* |
|---|---|---|---|---|
| 6 Month | $1,000.00 | $100,000.00 |
1.75% |
1.76% |
| 9 Month | $1,000.00 | $100,000.00 |
4.00% |
4.07% |
|
12 Month |
$1,000.00 | $100,000.00 | 1.80% | 1.82% |
| 18 Month | $1,000.00 | $100,000.00 | 2.25% | 2.27% |
| 24 Month | $1,000.00 | $100,000.00 | 2.75% | 2.79% |
| 36 Month | $1,000.00 | $100,000.00 | 2.80% | 2.83% |
| 48 Month | $1,000.00 | $100,000.00 | 3.00% | 3.04% |
| 60 Month | $1,000.00 | $100,000.00 | 3.00% | 3.04% |
*Annual Percentage Yield
Traditional and Roth IRA CDs
| Product Description | Minimum Balance | Max. Limit per Member | Dividend/Interest Rate | APY* |
|---|---|---|---|---|
| IRA Certificates – 9 months | $1000.00 | $100,000.00 |
4.10% |
4.18% |
| IRA Certificates – 12 months | $1,000.00 | $100,000.00 |
1.90% |
1.91% |
| IRA Certificates – 18 months | $1,000.00 | $100,000.00 | 2.35% | 2.38% |
| IRA Certificates – 24 months | $1,000.00 | $100,000.00 | 2.85% |
2.89% |
| IRA Certificates – 36 months | $1,000.00 | $100,000.00 | 2.90% | 2.94% |
| IRA Certificates – 48 months | $1,000.00 | $100,000.00 | 3.10% | 3.14% |
| IRA Certificates – 60 months | $1,000.00 | $100,000.00 |
3.10% |
3.14% |
*Annual Percentage Yield
| Product Description | Minimum Balance | Max. Limit per Member | Dividend/Interest Rate | APY* |
|---|---|---|---|---|
| IRA Certificates – 9 months | $1,000.00 | $100,000.00 | 4.10% | 4.18% |
| IRA Certificates – 12 months ROTH | $1,000.00 | $100,000.00 | 1.90% | 1.91% |
| IRA Certificates -18 months ROTH | $1,000.00 | $100,000.00 | 2.35% | 2.38% |
| IRA Certificates -24 months ROTH | $1,000.00 | $100,000.00 | 2.85% | 2.89% |
| IRA Certificates -36 months ROTH | $1,000.00 | $100,000.00 | 2.90% | 2.94% |
| IRA Certificates -48 months ROTH | $1,000.00 | $100,000.00 | 3.10% | 3.14% |
| IRA Certificates -60 months ROTH | $1,000.00 | $100,000.00 | 3.10% | 3.14% |
*Annual Percentage Yield
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 | 0.20% |
| Traditional or Roth IRA | $50,000.00 – $100,000.00 | 0.35% |
*Annual Percentage Yield
Loan Rates
Mortgage
Fixed Rate Mortgages
Apply NowUp to 95% financing available
| Product | Points | Interest Rate* | APR** |
|---|---|---|---|
| 10 Year Term | 0 | 5.500% | 5.912% |
| 15 Year Term | 0 | 5.750% | 6.043% |
| 20 Year Term | 0 | 6.125% | 6.363% |
| 30 Year Term | 0 | 6.500% | 6.687% |
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 03/05/2025.
*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
Apply NowHELOC SPECIAL – 5.99% APR* 12 Month introductory rate, then prime rate. 1
Up to 80% financing available minus mortgage balance
| Product Description | Interest Rate |
|---|---|
| 15 Year (10 Year Draw) | Prime Rate = Rate Not to go below Floor Rate of 3.00% |
1 This loan has a variable rate feature and has an introductory rate of 5.99% 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. Current prime rate as of 12/19/2024 is 7.50% 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 $250,000. Minimum monthly payments are based on principal and interest of the amount advanced, amortized within the original 15 year term.
Repayment terms based on a15 year term at 7.50% APR* (Current Prime rate) is $9.27 per month per $1000.00 borrowed.
Homeowners insurance is required on all Mortgage and Equity loan products.
Fixed Rate Equity Loans
Up to 80% financing available minus mortgage balance.
| Product Description | Points | Interest Rate | APR* |
|---|---|---|---|
| 5 Year Term | N/A | as low as 5.750% | 6.296% |
| 10 Year Term | N/A | as low as 6.000% | 6.291% |
| 15 Year Term | N/A | as low as 6.250% | 6.353% |
| 20 Year Term | N/A | as low as 6.500% | 6.667% |
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 03/05/2025.
Vehicle
Vehicle Loans
Apply NowWe 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 are for A credit applicants financing less than 80% Loan-To-Value and include the maximum .35% 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
| Term | Fixed APR* as low as | Monthly Payment per $1,000 Borrowed |
|---|---|---|
| 36 Months | 5.00% | $29.97 |
| 48 Months | 5.25% | $23.14 |
| 60 Months | 5.50% | $19.10 |
| 72 Months | 6.00% | $16.57 |
| 84 Months | 6.99% | $15.09 |
*APR – Annual Percentage Rate
Motorcycles
| Product Description | Term in Years | Maximum Limit | Fixed APR* as low as | Monthly Payment per $1,000 Borrowed |
|---|---|---|---|---|
|
New/Used 2024-2025 |
5 | $40,000 | SEE LOAN OFFICER | |
| Used 2015-2023 | 5 | $25,000 | SEE LOAN OFFICER |
Recreational Vehicles
| Product Description | Term in Years | Maximum Limit | Fixed APR* as low as | Monthly Payment per $1,000 Borrowed |
|---|---|---|---|---|
| New/Used 2024-2025 |
6-10 | $50,000 | SEE LOAN OFFICER | |
| New/Used 2024-2025 |
5 | $50,000 | SEE LOAN OFFICER | |
| Used 2015-2023 | 5 | $50,000 | SEE LOAN OFFICER |
*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 03/05/2025.
**Other terms may be available.
Unsecured & Secured
Personal Loans
Apply Now| Product Description | Term in Years | Maximum Limit | Rate | Term in Months |
|---|---|---|---|---|
| Personal Loans | 1 | $25,000 | as low as 8.75% | 12 |
| 2 | $25,000 | as low as 9.75% | 24 | |
| 3 | $25,000 | as low as 10.75% | 36 | |
| 4 | $25,000 | as low as 11.75% | 48 | |
| 5 | $25,000 | as low as 12.75% | 60 | |
| 6 | $25,000 | as low as 15.50% | 72 | |
| Christmas/Vacation Loans | 1 | $4,000 | as low as 8.75% | 12 |
| Personal Line of Credit | open end | $15,000 | as low as 12.875% | open end |
| Reserve Checking | 3 | $1,500 | 15.00% | 36 |
| Shares Pledge Loans | 1-5 | $50,000 | 2.50% over share/CD | 12-60 |
| can tie to a CD – same maturity date | ||||
| can be scheduled payments for fixed term | ||||
| or stationary with no scheduled payment till maturity | ||||
| Credit Cards – 3 options available | ||||
| Classic | no term | Based on | as low as 10.25% | |
| Rewards | no term | Credit | as low as 12.50% | |
| Secured | no term | Score | 13.50% |