Rates
Rates effective as of 04/01/2024. APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees may reduce earnings.
Share Accounts
| Account | Minimum Opening Deposit | Balance Required to Earn Dividends | Rate | APY |
|---|---|---|---|---|
| Member Savings | $5 | Less than $50,000 | 0.26% | 0.26% |
| Member Savings | $5 | $50,000 to $99,999 | 0.31% | 0.31% |
| Member Savings | $5 | $100,000+ | 0.37% | 0.37% |
| High Dividend Checking | $5,000 | Less than $100,000 | 0.40% | 0.40% |
| High Dividend Checking | $5,000 | $100,000+ | 0.50% | 0.50% |
| Money Market Savings | $2,500 | All balances | 0.50% | 0.50% |
| Holiday Club | $5 | Up to $10,000 | 0.45% | 0.45% |
| Holiday Club | $5 | Over $10,000 | 0.33% | 0.33% |
| IRA Share | xx | All balances | 0.90% | 0.90% |
Unless otherwise stated, rates are current as of the current date. These are variable rates and the rates may change after an account is opened. There is no minimum balance required to earn dividends. There is a $5.00 deposit required to open a savings account. There is a $2500.00 deposit required to open a Money Market Savings account. There is a $5000.00 deposit required to open a High Interest Checking account. Fees may reduce the earnings on a High Interest Checking account if the balance ever falls below $5000.00.
Share Certificates
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 3 Month (91 days) | $500 | 0.549% | 0.55% |
| 3 Month (91 days) | $50,000 | 0.649% | 0.65% |
| 6 Month (183 days) | $500 | 1.095% | 1.10% |
| 6 Month (183 days) | $50,000 | 1.194% | 1.20% |
| 12 Month (365 days) | $500 | 1.687% | 1.70% |
| 12 Month (365 days) | $50,000 | 1.786% | 1.80% |
| 18 Month (548 days) | $500 | 1.756% | 1.77% |
| 18 Month (548 days) | $50,000 | 1.855% | 1.87% |
| 24 Month (730 days) | $500 | 1.835% | 1.85% |
| 24 Month (730 days) | $50,000 | 1.933% | 1.95% |
| 30 Month (913 days) | $500 | 1.864% | 1.88% |
| 30 Month (913 days) | $50,000 | 1.963% | 1.98% |
| 36 Month (1095 days) | $500 | 1.884% | 1.90% |
| 36 Month (1095 days) | $50,000 | 1.982% | 2.00% |
| 48 Month (1460 days) | $500 | 1.982% | 2.00% |
| 48 Month (1460 days) | $50,000 | 2.080% | 2.10% |
| 60 Month (1825 days) | $500 | 2.179% | 2.20% |
| 60 Month (1825 days) | $50,000 | 2.276% | 2.30% |
Penalty for early withdrawal.
Auto Loans
| Vehicle Year | Term | Rate | APR |
|---|---|---|---|
| 2023 & Newer | 36 months | 5.19% | 5.19% |
| 2023 & Newer | 48 months | 5.44% | 5.44% |
| 2023 & Newer | 60 months | 5.69% | 5.69% |
| 2023 & Newer | 72 months | 5.99% | 5.99% |
| 2019-2022 | 60 months | 6.19% | 6.19% |
| 2018 | 48 months | 6.39% | 6.39% |
| 2014-2017 | 36 months | 6.59% | 6.59% |
| 2009 - 2013 Older Used | Fixed rate | 9.59% | 9.59% |
| Classic Auto | Fixed rate | 6.59% | 6.59% |
Motorcycle Loans
| Motorcycle Year | Term | Rate | APR |
|---|---|---|---|
| 2023 & Newer | 36 months | 6.69% | 6.69% |
| 2023 & Newer | 48 months | 6.94% | 6.94% |
| 2023 & Newer | 60 months | 7.19% | 7.19% |
| 2023 & Newer | 72 months | 7.49% | 7.49% |
| 2019-2022 | 60 months | 7.69% | 7.69% |
| 2018 | 48 months | 7.89% | 7.89% |
| 2014 - 2017 | 36 months | 8.09% | 8.09% |
| Classic Motorcycle | Fixed rate | 8.09% | 8.09% |
Recreational Vehicle Loans
| ATV, UTV, and Lawn Tractor | Term | Rate | APR |
|---|---|---|---|
| 2023 & Newer | Fixed Rate | 7.62% | 7.62% |
| 2021 - 2022 Used (ATVs and UTVs Only) | Fixed rate | 8.12% | 8.12% |
| RV, Aircraft, Boat and Tractor | Term | Rate | APR |
| 2023 & Newer | 60 months | 7.62% | 7.62% |
| 2023 & Newer | 84 months | 8.24% | 8.24% |
| 2023 & Newer | 120 months | 8.49% | 8.49% |
| 2023 & Newer | 144 months RV only | 8.49% | 8.49% |
| 2014 - 2022 Used | 60 months | 7.87% | 7.87% |
| 2014 - 2022 Used | 120 months | 8.74% | 8.74% |
Other Personal Loans
| Loan Type | Term | Rate | APR |
|---|---|---|---|
| Personal Loan | Variable rate | 13.75% | 13.75% |
| Personal Line of Credit | Variable rate | 14.50% | 14.50% |
| VISA Rewards | 15.00 - 17.75% | 15.00 - 17.75% |
All loan rates shown are "as low as", indicate an "A+" rate for automobiles, motorcycles, and recreational, an "A" rate for all others, and are based on automatic payroll deduction. Term restrictions may apply. Variable rates are subject to change according to the terms of the agreement. The maximum annual percentage rate for all variable rate loans is 18%. These rates are subject to change without notice. Contact a loan officer for more details on each of the loans.
