Rates

Loans

New Auto

New Auto
Loans – RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE Rate APR* Term
For loan approval, minimum credit score must be at least 600, due to regulations.
NUMBERS IN PARENTHESIS REFER TO CREDIT SCORE. ALL RATES ARE PERCENTS.
Standard Financing (720+) 2.00 2.00 24
  2.25 2.25 36
  2.50 3.50 48
  2.75 2.75 60
  3.00 3.00 72
  3.25 3.25 84
Standard Financing (660 to 719) 2.50 2.50 24
  2.75 2.75 36
  3.00 3.00 48
  3.25 3.25 60
  3.50 3.50 72
  3.75 3.75 84
Standard Financing (600-659) 3.00 3.50 24
  3.25 3.75 36
  3.50 3.50 48
  3.75 3.75 60
  4.00 4.00 72
  4.25 4.25 84

Used Auto

Used Auto
Loans – RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE Rate APR* Term
For loan approval, minimum credit score must be at least 600.
NUMBERS IN PARENTHESIS REFER TO CREDIT SCORE.  ALL RATES ARE PERCENTS
1 to 4 years old (720+) 3.25 3.25 60
5 to 7 years old (720+) 2.50 2.50 24
5 to 7 years old (720+) 2.75 2.75 36
5 to 7 years old (720+) 3.00 3.00 48
1 to 4 years old (660 to 719) 4.00 4.00 60
5 to 7 years old (660 to 719) 3.25 3.25 24
5 to 7 years old (660 to 719) 3.50 3.50 36
5 to 7 years old (660 to 719) 3.75 3.75 48
1 to 4 years old (600-659) 4.75 4.75 60
5 to 7 years old (600 to 659) 4.00 4.00 24
5 to 7 years old (600 to 659) 4.25 4.25 36
5 to 7 years old (600 to 659) 4.50 4.50 48

Mobile Home

Mobile Home
Loans – RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE Rate APR* Term
For loan approval, minimum credit score must be at least 600.
NUMBERS IN PARENTHESIS REFER TO CREDIT SCORE
Mobile Home – New 7.50 7.50 120
Mobile Home – Used 8.50 8.50 120

Recreational

Recreational
Loans – RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE Rate APR* Term
For loan approval, minimum credit score must be at least 600.
NUMBERS IN PARENTHESIS REFER TO CREDIT SCORE
Motorcycle, Boat, Trailer/Camper (720+) 6.00 6.00 48
Motorcycle, Boat, Trailer/Camper (680 to 719) 6.50 6.50 48
Motorcycle, Boat, Trailer/Camper (600 to 659) 7.00 7.00 48

Home Equity

Home Equity
Loans – RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE Rate APR* Term
For loan approval, minimum credit score must be at least 600.
80% Loan to Value 4.00 4.00 60
  4.25 4.25 120
  4.75 4.75 180
       

Education Loans

Education Loans
Loans – RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE Rate APY* Term
For loan approval, minimum credit score must be at least 600.
NUMBERS IN PARENTHESIS REFER TO CREDIT SCORE
Maximum $25,000 Tier A (720+) 8.000 8.000 72
Maximum $25,000 Tier B (660 to 719) 9.500 9.500 72
Maximum $25,000 Tier C (600 to 659) 11.000 11.000 72

Misc & Unsecured Loans

Misc & Unsecured Loans
Loans – RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE Rate APR* Term
For loan approval, minimum credit score must be at least 600.
NUMBERS IN PARENTHESIS REFER TO CREDIT SCORE
Computer Loans – Maximum $3,000 (See Education Loans) TIER TIER 36
Bill Payer – (See Unsecured Loans) TIER TIER 48
Visa Credit Card 10.90 10.90 n/a
Credit Card Debt Consolidation Loan 6.99 6.99 84
Vacation/Holiday (Max $1000) 18.00 18.00 12
Tier A – Maximum $12,000 (720+) 10.00 10.00 48
Tier B – Maximum $12,000 (680 + 719) 13.00 13.00 48
Tier C – Maximum $12,000 (640 + 679) 16.00 16.00 48
Tier D – Maximum $12,000 (600 + 639) 18.00 18.00 48
Share Secured  2.20 2.20 48

*APR = Annual Percentage Rate

Savings

Savings
Savings Dividend Rate APY* Term
Regular Shares (Below $10,000.00) .03 .03 n/a
Primary Shares ($10,000.00, up to $49,999.99) .10 .10 n/a
Super Shares ($50,000.00 and Above) .17 .17 n/a
Share Draft (Checking) .01 .01 n/a

*APY = Annual Percentage Yield

Certificates

Certificates

Certificates
 RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE Rate APY* Term
Certificates – ANNUAL PERCENTAGE YIELDS AS OF 05/26/2021 – MINIMUM DEPOSIT $500 – A PENALTY WILL BE IMPOSED FOR THE EARLY REDEMPTION ON CERTIFICATES
Cumulative Certificate Balance – $500.00 to $19,999.99 0.05 0.05 3
  0.05 0.05 6
  0.05 0.05 9
  0.10 0.10 12
  0.15 0.15 18
  0.20 0.20 24
  0.25 0.25 30
  0.30 0.30 36
  0.35 0.35 48
  0.40 0.40 60
Cumulative Certificate Balance – $20,000.00 to $84,999.99 0.10 0.10 3
  0.10 0.10 6
  0.10 0.10 9
  0.15 0.15 12
  0.25 0.25 18
  0.30 0.30 24
  0.35 0.35 30
  0.40 0.40 36
  0.45 0.45 48
  0.50 0.50 60
Cumulative Certificate Balance – $85,000 and Above 0.15 0.15 3
  0.15 0.15 6
  0.15 0.15 9
  0.20 0.20 12
  0.35 0.35 18
  0.40 0.40 24
  0.45 0.45 30
  0.50 0.50 36
  0.55 0.55 48
  0.60 0.60 60

IRA CDs

IRA CDs
RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE Rate APY* Term
Cumulative Certificate Balance – $500.00 to $19,999.99 0.05 0.05 3
  0.05 0.05 6
  0.05 0.05 9
  0.10 0.10 12
  0.15 0.15 18
  0.20 0.20 24
  0.25 0.25 30
  0.30 0.30 36
  0.35 0.35 48
  0.40 0.40 60
Cumulative Certificate Balance – $20,000 to $84,999.99 0.15 0.15 3
  0.15 0.15 6
  0.15 0.15 9
  0.20 0.20 12
  0.25 0.25 18
  0.30 0.30 24
  0.35 0.35 30
  0.40 0.40 36
  0.45 0.45 48
  0.50 0.50 60
Cumulative Certificate Balance – $85,000 and Above 0.25 0.25 3
  0.25 0.25 6
  0.25 0.25 9
  0.30 0.30 12
  0.35 0.35 18
  0.40 0.40 24
  0.45 0.45 30
  0.50 0.50 36
  0.55

0.55

48
  0.60

0.60

60

*APY = Annual Percentage Yield