Rates


Savings Rates

Rates accurate as of 7/1/15 and are subject to change at any time and will be updated when necessary to reflect those changes.

NOTE: Fees may reduce earnings. A penalty may be imposed for early withdrawal on certificates. "APY" refers to Annual Percentage Yield.

Savings Accounts

Dividends are earned daily and are credited on the last day of each month.

Type Minimum Rate A.P.Y.
Share 1 & Specials $200 - $999 0.1% 0.1%
$1,000 - $2,499 0.1% 0.1%
> $2,500 0.1% 0.1%
Basic Checking $0 0.00% 0.00%
Checking Plus $1,000 - $2,499 0.1% 0.1%
> $2,500 0.15% 0.15%
I.R.A. $0 - 999 0.1% 0.1%
$1,000 - $4,999 0.2% 0.2%
> $5,000 0.55% 0.55%
D.C.A $2,500 - $4,999 0.15% 0.15%
$5,000 - $9,999 0.15% 0.15%
$10,000 - $24,999 0.2% 0.2%
> $25,000 0.25% 0.25%

Certificate Accounts

All Share Certificates will be paid dividends calculated at the rate and method of compound stated on the CD. Rates are subject to change at any time and will be updated when necessary to reflect those changes. Early withdrawal penalties apply; see branch for further details.

Type Minimum Rate A.P.Y.
3 month VIP CD $10,000 0.15% 0.15%
6 month $1,000 0.20% 0.20%
12 month $1,000 0.40% 0.40%
18 month $1,000 0.45% 0.45%
30 month $1,000 0.50% 0.50%
I.R.A 24 month $1,000 0.75% 0.75%
Head Start Youth CD $25.00 1.0% 1.005%

Loan Rates

Rates accurate as of 7/1/15 and are subject to change at any time and will be updated when necessary to reflect those changes. Rates are also subject to individual credit performance. "A.P.R." refers to Annual Percentage Rate.

New and Used Cars
Year Length of Term A.P.R.
12-16 36 month 2.19%
12-16 60 month 2.44%
12-16 66 month 2.79%
12-16 72 month 3.04%
14-16 84 month (new only) 3.24%
10-11 60 month 3.04%
08-09 60 month 4.09%
06-07 48 month 5.29%
New Motorcycles
Length of Term A.P.R.
36 month 3.54%
48 month 3.54%
60 month 3.79%
72 month 4.39%
Used Motorcycles
Year Length of Term A.P.R.
12-16 60 month 3.79%
12-16 66 month 4.14%
12-16 72 month 4.39%
10-11 60 month 4.24%
08-09 48 month 5.44%
New Recreational (Boat, RV, Other Titled)
Length of Term A.P.R.
36 month 6.10%
48 month 6.35%
60 month 6.70%
72 month 7.25%
120 month (min $45,000) 7.75%
Used Recreational (Boat, RV, Other Titled)
Length of Term A.P.R.
36 month 6.50%
48 month 6.75%
60 month 7.00%
72 month 7.75%
Personal Loans
Length of Term A.P.R.
1-36 month 6.49%
37-60 month    8.50%
Other Loans
Type A.P.R.
Overdraft Loan 16.90%
Share Pledge - Regular 3.99%
Share Pledge - DCA 4.29%
VISA Platinum with Rewards 8.90%
VISA Platinum Elite 10.90%
VISA Platinum 12.90%
VISA Platinum Basic 14.90%
Special 18.00%
50/50 9.99%
Step-Up 15.00%
Credit Rebuilder 15.00%
   
Mortgage Equity Loans - (Second Mortgages)
5 Yr Second Mortgage 3.75%
7 Yr Second Mortgage 4.25%
10 Yr Second Mortgage 4.75%
15 Yr Second Mortgage 5.25%
   
Home Equity Line of Credit  
Variable Rate - Line of Credit 3.00%

APY=Annual Percentage Yield. APR=Annual Percentage Rate. Loan rates shown reflect lowest possible rates and all available discounts. Rates are subject to change without notice. Not all applicants will qualify for lowest rates. Rates are based on credit history and qualifications. Standard loan approval criteria apply. See a Lending Expert for full details.