Savings Rates

Share (Savings) Rates
Rates current as of
Minimum Balance APY1
Savings $25.00 0.50%²
Holiday Club Account $5.00 0.50%²
Premium Savings
($10,000 - $49,999.99) 		$10,000.00 2.25%²
Premium Savings
($50,000 and over) 		$50,000.00 2.50%²
Money Market Account
($2,500 and over)		 $2,500.00 2.00%
Premium Money Market Account
($10,000 and over)		 $10,000.00 2.25%
Accumulative IRA
$1.00 2.00%²
Accumulative IRA
($10,000 and over)		 $10,000.00 2.50%²
Accumulative IRA
($50,000 and over)		 $50,000.00 2.75%²

Rates are subject to change at any time without prior notice.

¹APY = Annual Percentage Yield and reflects the total amount of dividend paid based on the dividend rate and frequency of compounding for a 365 day period.

²Anticipated dividend rate. Dividends paid quarterly as declared by the board of directors.

Share Certificate & IRA Certificate Rates
Rates current as of
Minimum Opening Deposit APY¹
6-Month Share Certificate $500.00 4.15%
12-Month Share Certificate $500.00 3.90%
18-Month Share Certificate $500.00 3.80%
24-Month Share Certificate $500.00 3.50%
36-Month Share Certificate $500.00 3.25%

Rates are subject to change at any time without prior notice.

Restrictions may apply to Share Certificate Specials

¹APY = Annual Percentage Yield and reflects the total amount of dividend paid based on the dividend rate and frequency of compounding for a 365 day period.

Checking Rates

Rates current as of
Minimum Balance APY1
No Frills Checking $25.00 0.00%
Plus Checking $750.00 0.10%
Golden Years $100.00 0.30%

Rates are subject to change at any time without prior notice

¹APY = Annual Percentage Yield and reflects the total amount of dividend paid based on the dividend rate and frequency of compounding for a 365 day period.

Loan Rates

Mortgage Rates
Rates current as of
Term APR* Origination Fee Max LTV
Balloon Mortgages 7 Years As low as 6.99% 1.0% 95%
Balloon Mortgages 10 Years As low as 7.24% 1.0% 95%
15 year Conventional, FHA, VA, USDA 15 Years Call for rates Call for fees 97%
30 year Conventional, FHA VA, USDA 30 Years Call for rates Call for fees 97%
Fixed Rate Home Equity Loan 5 Years As low as 7.365% 1.0% 95%
Fixed Rate Home Equity Loan 10 Years As low as 7.490% 1.0% 95%

Balloon Mortgages: Payments based on a 30 year amortization. Final balloon payment equals the remaining balance of the loan.

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change without prior notice.

HELOC Rates
Rates current as of
Term APR* Origination Fee Max LTV
Home Equity Line of Credit 20 Years (5 Year Draw Period, 15 Year Repayment Period) Variable based upon Prime Rate and member credit score Waived 95%

HELOC Introductory Rate - 12 months - 6.99%

  • After 12-months, rate changes to a Prime Rate index based upon member’s credit score

  • Rates are subject to change at anytime without prior notice.

  • Other rates, terms and conditions may apply.

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change without prior notice.

Current prime as of is 7.50% APR*
Vehicle Loan Rates
Rates current as of
APR* 48 Months APR* 63 Months APR* 75 Months APR* 84 Months
New Automobiles (up to 25,000 miles) As low as 5.99% As low as 6.19% As low as 6.49% As low as 7.89%
Used Automobiles (25,001 - 100,000 miles As low as 6.99% As low as 7.19% As low as 7.69% As low as 8.89%
Used Automobiles (Over 100,000 miles) As low as 8.49% As low as 8.69% As low as 9.19% -

APR* 48 Months APR* 63 Months APR* 75 Months APR* 120 Months APR* 144 Months
New Boats, RVs, Campers & Motorcycles As low as 7.79% As low as 7.99% As low as 8.49% As low as 8.99% As low as 10.99%
Used Boats, RVs, & Campers & Motorcycles As low as 8.79% As low as 8.99% As low as 9.49% As low as 9.99% As low as 11.99%

Rates are subject to change at any time without prior notice. Based upon member creditworthiness and collateral. Other rates, terms, and conditions may apply

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change without prior notice.

Personal Loan Rates
Rates current as of
APR* 36 Months APR* 48 Months APR* 60 Months
As low as 9.99% As low as 10.99% As low as 11.99%

Based upon member creditworthiness. Other rates, terms and conditions may apply.

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change without prior notice.