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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 01/01/2019.

Rates may change after accounts are opened. Fees may reduce earnings. Interest is compounded quarterly, interest cannot remain on deposit and the payout is mandatory.

Share Rates

Account Minimum Opening Deposit Minimum to Earn Dividends Dividend Rate APY
Share Draft Checking $0 $100 0.00 0.00%
Share Savings $25 $100 0.05% 0.05%
IRA Share $100 $100 0.05% 0.05%
Share Plus Money Market $0 $2,000 0.05% 0.05%

These rates may change at any time without prior notice. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

Share and IRA Certificate Rates Learn More

Terms Minimum Investment Dividend Rate APY
6 months $500.00 0.25% 0.25%
12 months $500.00 0.55% 0.55%
18 months $500.00 0.65% 0.65%
24 months $500.00 0.75% 0.75%
30 months $500.00 0.95% 0.95%
36 months $500.00 1.14% 1.15%
48 months $500.00 1.34% 1.35%
60 months $500.00 1.54% 1.55%

Annual Percentage Yield is accurate as of January 1, 2019. These rates may change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Dividends are compounded and credited quarterly.

New Vehicles Learn More

Financing Term Base APR
24 months 2.93%
36 months 2.93%
48 months 2.93%
60 months 2.93%
72 months (loans over $25,000) 3.04%

Up to 100% financing of purchase price + tax, tag, title and GAP insurance

Used Vehicles Learn More

Age of Vehicle Financing Term Base APR
Current Year Same as new vehicle -
1 Year Old 54 months 2.95%
2 Years Old 48 months 2.95%
3 Years Old 42 months 2.95%
4-5 Years Old 36 months 2.95%
6-7 Years Old 24 months 1.95%
Over 7 Years Old 18 months 1.95%
Luxury & Classic Cars* 54 months 3.27%

* Class IV & greater than $10,000. Classic vehicles are model years 1971 - 1991 (Maximum term for Classic Vehicles is 48 months)

Unsecured Loans

Loan Type Loan Limits Terms Base APR
Signature Up to $25,000 Up to 60 months as low as 6.50%
Visa Secured $300 - $25,000 n/a 6.95%
Visa Platinum $300 - $25,000 n/a as low as 6.95%
Line of Credit $300 - $25,000 n/a as low as 8.00%

Secured Loans

Type Loan Criteria Term Base APR
Shared Secured Share dollars pledged Up to 72 months 3% over share yield
Certificate Secured Certificate dollars pledged Certificate maturity Certificate Yield + 3%
New / Used Motorcycles Same as vehicles Same as vehicles Same as vehicles
New Boat 85% of purchase price 72 months 10.00%
Used Boats NADA Loan value 60 months 10.00%
Motor Homes NADA Trade/85% of purchase price 120 months 12.00%
All other collateral Requires Appraisal 60 months 12.00%

Real Estate Loans

Type Term (in months) APR
Fixed Rate Home Equity (up to 5 years) 60 as low as 5.75%
Fixed Rate Home Equity (over 5 years) 120 max as low as 6.00%
Home Equity Line Of Credit Adjustable Rate^ Revolving as low as Wall Street Journal Prime Rate** +1%

^ The rate is a variable rate adjusted to the Prime Rate quarterly based on the Wall Street Journal’s Prime Rate. As of October 1, 2019 the Prime Rate is 5.00%. HELOC is subject to a floor of 3.50%. Rates are based on credit worthiness.