Checking & Savings Rates
Checking
Checking
Individual Membership ApplicationProduct Description | Minimum Balance | Dividend/Interest Rate | APY 1 | Term |
---|---|---|---|---|
Regular Checking or DBA Checking | $0.00 | 0.00% | 0.00% | N/A |
$500.00 | 0.05% | 0.05% | N/A |
Product Description | Minimum Balance | Dividend/Interest Rate | APY 1 | Term |
---|---|---|---|---|
TIER I | $1,500.00 | 0.10% | 0.10% | N/A |
TIER II | $5,000.00 | 0.50% | 0.50% | N/A |
TIER llI | $10,000.00 | 0.75% | 0.75% | N/A |
TIER IV | $50,000.00 | 1.50% | 1.51% | N/A |
TIER V | $100,000.00 | 2.00% | 2.01% | N/A |
Savings
Savings
Individual Membership ApplicationProduct 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 |
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% |
12 Month |
$1,000.00 | $100,000.00 | 2.00% | 2.01% |
18 Month | $1,000.00 | $100,000.00 | 2.00% | 2.01% |
24 Month | $1,000.00 | $100,000.00 | 2.50% | 2.53% |
36 Month | $1,000.00 | $100,000.00 | 2.20% | 2.22% |
48 Month | $1,000.00 | $100,000.00 | 2.50% | 2.53% |
60 Month | $1,000.00 | $100,000.00 | 2.70% | 2.73% |
Traditional and Roth 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 | 2.10% | 2.12% | 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 | 2.60% | 2.63% | 24 |
IRA Certificates – 36 months | $1,000.00 | $100,000.00 | 2.30% | 2.32% | 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 |
2.80% |
2.83% | 60 |
Product Description | Minimum Balance | Max. Limit per Member | Dividend/Interest Rate | APY* | Term |
---|---|---|---|---|---|
IRA Certificates – 12 months ROTH | $1,000.00 | $100,000.00 | 2.10% | 2.12% | 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 | 2.60% | 2.63% | 24 |
IRA Certificates -36 months ROTH | $1,000.00 | $100,000.00 | 2.30% | 2.32% | 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 | 2.80% | 2.83% | 60 |
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% |
Loan Rates
Mortgage
Fixed Rate Mortgages
Apply NowUp to 95% financing available
Product | Points | Interest Rate* | APR** |
---|---|---|---|
10 Year Term | 0 | 6.250% | 6.674% |
15 Year Term | 0 | 6.375% | 6.678% |
20 Year Term | 0 | 6.500% | 6.744% |
30 Year Term | 0 | 6.750% | 6.939% |
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 08/07/2023.
*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 – 2.25% APR* 12 Month introductory rate, then prime rate. 1
Up to 80% financing available minus mortgage balance
Product Description | Closing Costs | Interest Rate |
---|---|---|
15 Year (10 Year Draw) | Waived except for Appraisal fee ($350.00) | 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 2.25% 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 07/26/2023 is 8.50% 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 $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 % APR* (Current Prime rate) is $9.85 per month.
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% | 6.303% |
10 Year Term | N/A | as low as 6.000% | 6.295% |
15 Year Term | N/A | as low as 6.250% | 6.460% |
20 Year Term | N/A | as low as 6.750% | 6.921% |
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 08/07/2023.
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 | 4.99% | $29.97 |
48 Months | 5.49% | $23.26 |
60 Months | 5.74% | $19.22 |
72 Months | 6.24% | $16.69 |
84 Months | 7.49% | $15.34 |
Motorcycles
Product Description | Term in Years | Maximum Limit | Fixed APR* as low as | Monthly Payment per $1,000 Borrowed |
---|---|---|---|---|
2022 – New | 5 | $40,000 | SEE LOAN OFFICER | |
Used 2013 – 2021 | 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 2022-2023 |
6-10 | $50,000 | SEE LOAN OFFICER | |
New/Used 2022-2023 |
5 | $50,000 | SEE LOAN OFFICER | |
Used 2013-2021 | 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 08/07/2023.
**Other terms may be available.
Unsecured & Secured
Personal Loans
Apply NowProduct Description | Term in Years | Maximum Limit | Rate | APR* | Term in Months |
---|---|---|---|---|---|
Personal Loans | 1 | $25,000 | as low as 8.50% | as low as 8.50% | 12 |
2 | $25,000 | as low as 8.50% | as low as 8.50% | 24 | |
3 | $25,000 | as low as 8.50% | as low as 8.50% | 36 | |
4 | $25,000 | as low as 10.50% | as low as 10.50% | 48 | |
5 | $25,000 | as low as 11.50% | as low as 11.50% | 60 | |
6 | $25,000 | as low as 12.99% | as low as 12.99% | 72 | |
Medical/Computer Loan | 3 | $3,000 | as low as 8.50% | as low as 8.50% | 36 |
Christmas/Vacation Loans | 1 | $4,000 | as low as 8.50% | as low as 8.50% | 12 |
Insurance Loan | 1 | $3,000 | as low as 8.50% | as low as 8.50% | 12 |
Energy Loan | 1 | $3,000 | as low as 8.50% | as low as 8.50% | 12 |
Personal Line of Credit | open end | $15,000 | as low as 13.99% | as low as 13.99% | open end |
Reserve Checking | 3 | $1,500 | 15.00% | 15.00% | 36 |
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% |