Rates

Loans

Auto Loan Special-Until September28th,  2018
Take 1/2% of the listed rate!

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 RATE ARE PERCENTS.
Standard Financing (720+) 2.25 2.25 24
  2.50 2.50 36
  2.75 2.75 48
  3.00 3.00 60
  3.25 3.25 72
  3.50 3.50 84
Standard Financing (660 to 719) 3.00 3.00 24
  3.25 3.25 36
  3.50 3.50 48
  3.75 3.75 60
  4.00 4.00 72
  4.25 4.25 84
Standard Financing (600-659) 3.75 3.75 24
  4.00 4.00 36
  4.25 4.25 48
  4.50 4.50 60
  5.00 5.00 72
  5.50 5.50 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+) 4.25 4.25 60
  3.50 3.50 24
  3.75 3.75 36
  4.00 4.00 48
1 to 4 years old (660 to 719) 5.25 5.25 60
  4.50 4.50 24
  4.75 4.75 36
  5.00 5.00 48
1 to 4 years old (600-659) 6.25 6.25 60
  5.50 5.50 24
  5.75 5.75 36
  6.00 6.00 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 7.00 7.00 120
Mobile Home – Used 8.00 8.00 120

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+) 5.00 5.00 48
Motorcycle, Boat, Trailer/Camper (680 to 719) 5.75 5.75 48
Motorcycle, Boat, Trailer/Camper (600 to 659) 6.50 6.50 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 4.25 4.25 60
  4.75 4.75 120
  5.25 5.25 180
       

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 5.99 5.99 72
Vacation/Holiday (Max $1000) 18.00 18.00 12
Tier A – Maximum $12,000 (720+) 11.00 11.00 48
Tier B – Maximum $12,000 (680 + 719) 13.00 13.00 48
Tier C – Maximum $12,000 (640 + 679) 15.00 15.00 48
Tier D – Maximum $12,000 (600 + 639) 17.00 17.00 48
Share Secured (Rate is 2.00% APR Over Super Share Dividend)      

*APR = Annual Percentage Rate

Savings

Savings
Savings Dividend Rate APY* Term
Regular Shares (Below $10,000.00) .10 .10 n/a
Primary Shares ($10,000.00, up to $49,999.99) .30 .30 n/a
Super Shares ($50,000.00 and Above) .50 .50 n/a
Share Draft (Checking) .10 .10 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 07/25/18- MINIMUM DEPOSIT $500 – A PENALTY WILL BE IMPOSED FOR THE EARLY REDEMPTION ON CERTIFICATES
Cumulative Certificate Balance – $500.00 to $19,999.99 0.20 0.20 3
  0.25 0.25 6
  0.40 0.40 9
  0.65 0.65 12
  0.75 0.75 18
  1.00 1.00 24
  1.10 1.10 30
  1.25 1.25 36
  1.65 1.65 48
  1.60 1.60 60
Cumulative Certificate Balance – $20,000.00 to $84,999.99 0.25 0.25 3
  0.30 0.30 6
  0.45 0.45 9
  0.70 0.70 12
  0.80 0.80 18
  1.05 1.05 24
  1.15 1.15 30
  1.35 1.35 36
  1.90 1.90 48
  1.80 1.80 60
Cumulative Certificate Balance – $85,000 and Above 0.30 0.30 3
  0.35 0.35 6
  0.50 0.50 9
  0.75 0.75 12
  0.85 0.85 18
  1.10 1.10 24
  1.20 1.20 30
  1.45 1.45 36
  2.15 2.15 48
  2.00 2.00 60

IRA CDs

IRA CDs
RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE Rate APY* Term
Cumulative Certificate Balance – $500.00 to $19,999.99 0.20 0.20 3
  0.25 0.25 6
  0.40 0.40 9
  0.65 0.65 12
  0.75 0.75 18
  1.00 1.00 24
  1.10 1.11 30
  1.25 1.26 36
  1.65 1.66 48
  1.60 1.61 60
Cumulative Certificate Balance – $20,000 to $84,999.99 0.25 0.25 3
  0.30 0.30 6
  0.45 0.45 9
  0.70 0.70 12
  0.80 0.80 18
  1.05 1.06 24
  1.15 1.16 30
  1.35 1.36 36
  1.90 1.92 48
  1.80 1.81 60
Cumulative Certificate Balance – $85,000 and Above 0.30 0.30 3
  0.35 0.35 6
  0.50 0.50 9
  0.75 0.75 12
  0.85 0.85 18
  1.10 1.11 24
  1.20 1.21 30
  1.45 1.46 36
  2.15 2.17 48
  2.00 2.02 60

*APY = Annual Percentage Yield