|
Savings Rates
|
|
Share Accounts*
|
Rate
|
APY
|
|
|
1.00%
|
1.01%
|
|
*Minimum balance to earn dividends on above is $5.
|
|
|
|
|
|
Special Accounts
|
Rate
|
APY
|
|
|
0.25%
|
0.25%
|
| |
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Holiday Club Accounts
|
Rate
|
APY
|
|
|
0.25%
|
0.25%
|
|
|
IRA Share Accounts*
|
Rate
|
APY
|
|
|
2.00%
|
2.02%
|
|
*Minimum balance to earn dividends on above is $5.
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e-Power
|
Rate
|
APY
|
|
$0.00 - $25,000.00
|
5.13%
|
5.25%
|
| $25,000.01 & up |
1.00%
|
1.00%
|
| If all qualifiers are not met |
0.25%
|
0.25%
|
| Click here to learn about e-Power and the qualifiers |
| |
|
|
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Performance Checking
|
Rate
|
APY
|
|
$0.00 - $4.99
|
0.00%
|
0.00%
|
|
$5.00 - $4,999.99
|
0.50%
|
0.50%
|
|
$5,000.00 - $14,999.99
|
0.75%
|
0.75%
|
|
$15,000.00 - $24,999.99
|
1.00%
|
1.01%
|
|
$25,000.00 & up
|
1.25%
|
1.26%
|
| You will incur a $5 monthly service charge if your balance goes below $2,500 and a $10 monthly service charge if your balance goes below $1,000. |
| |
|
Share Certificate Rates*
|
|
Share Certificates
|
Rate
|
APY
|
|
6 Month Certificate
|
2.50%
|
2.53%
|
|
12 Month Certificate
|
3.00%
|
3.04%
|
|
24 Month Certificate
|
3.60%
|
3.66%
|
|
36 Month Certificate
|
4.00%
|
4.07%
|
|
12/6 Month Certificate
|
2.90%
|
2.94%
|
|
|
|
IRA Share Certificates
|
Rate
|
APY
|
|
12 Month IRA Certificate
|
3.00%
|
3.04%
|
|
24 Month IRA Certificate
|
3.60%
|
3.66%
|
|
36 Month IRA Certificate
|
4.00%
|
4.07%
|
|
*Share certificate rates are subject to change without notice. Call (800) 436-8328 for more details.
Early withdrawal penalty may apply. Minimum deposit is $500.
|
| |
|
|
|
Business Services Rates
|
| Business Savings Accounts |
Rate
|
APY
|
|
|
1.00%
|
1.01%
|
| *Minimum balance to earn dividends on above is $5. |
|
|
|
|
|
Business MasterCard
|
Rate
|
|
| |
9.50%
|
|
| |
|
|
| Business Checking Accounts* |
Rate
|
APY
|
|
|
0.50%
|
0.50%
|
|
*Minimum balance to earn dividends on above is $2500.
|
|
|
| |
|
|
|
Business Non-Profit Checking Accounts
|
Rate
|
APY
|
|
|
0.50%
|
0.50%
|
|
*Minimum balance to earn dividends on above is $2500.
|
|
|
|
|
|
Consumer Loan Rates
|
| Secured Loans |
Term**
|
|
New Vehicle, Boat, Motorcycle, Travel Trailer and Motor Home
Earn loan discounts on new and used auto loans by meeting e-Power Checking qualifications! Ask us for more details! |
Up to 60 months
|
4.74%
|
| New Boat, Travel Trailer and Motor Home |
84 months
|
6.74%
|
|
120 months
|
7.74%
|
| Used Vehicle*** |
Up to 60 months
|
4.74%
|
| Used Boat, Travel Trailer and Motor Home*** |
84 months
|
6.74%
|
|
120 months
|
7.74%
|
|
ATV, Equipment and Computer
|
|
6.74%
|
|
48 to 60 months
|
7.74%
|
| |
|
|
| Other Loans |
Term**
|
|
| Signature Loans (unsecured) |
12 to 48 months
|
9.50%
|
| Payday Loan (+ $25 application fee) |
14 days
|
15%
|
|
*Your interest rate is determined by your credit history and the length of the loan.
**Other terms may be available. Term of loan determined by loan underwriting guidelines.
***5 years old or less. Call for terms and rates on older models.
|
|
|
|
|
Line of Credit Loan Rates
|
| |
|
| Visa Platinum and Gold Credit Card (variable rate) |
7.99% - 18.00%
|
| Line of Credit (overdraft line of credit) |
9.00%
|
| Share Secured Loans |
5.00%
|
| Share Certificate Secured |
2.00% above share certificate rate
|
| |
|
|
| |
Term
|
|
| Home Equity LOC (up to 80% LTV) |
10 year
|
5.50%
|
| Home Equity LOC (up to 80% LTV) |
15 year**
|
6.00%
|
|
Home Equity - Rates change daily. Call (800) 436- 8328 x701120 or x701116.
|
| Unimproved Property (up to 80% LTV) |
10 year
|
5.50%
|
| Unimproved Property (up to 80% LTV) |
15 year**
|
6.50%
|
|
Mobile Home - Rates change daily. Call (800) 436-8328 x701116 or x701120.
|
|
Mortgages - Rates change daily. Call (800) 436-8328 x701116 or x701120.
|
|
*Your interest rate is determined by your credit history and the length of the loan.
**15 year term available only on loans greater than $15,000.
|
