Rates

Savings

Account Type Minimum Balance* to Earn Dividend APR** APY***
Savings $25.00  .20%  .20%
Christmas Club $25.00  .30%  .30%
IRA Savings $25.00  .35%  .35%
Health Savings Account $5.00  .50%  .50%
Money Market $1,000.00-$24,999.99  .25%  .25%
Money Market $25,000.00 and up  .275% .275%
Regular Checking $1,000.00  .15% .15%
Student Checking $1,000.00  .15%  .15%
Senior Checking $1,000.00  .15%  .15%

 

CERTIFICATES OF DEPOSIT ~ Regular and IRA Minimum Balance to Open Account APR**  APY***
 3 month term  $1,000.00   .25%    .25%
 6 month term  $1,000.00 .30%  .30%
 12 month term  $1,000.00   .549%    .55%
 24 month term  $1,000.00 .897%    .90%

*Average Daily Balance **Annual Percentage Rate *** Annual Percentage Yield
Effective date of rates is October 9, 2017. Rates are subject to change without notice.

Loans

The rate and term of the loan is determined by the credit-worthiness of the individual applying for the loan.

TYPE TERM Annual Percentage Rate
New Auto & Recreational Vehicle Loans Up to 72 Months 2.65% to 12.90%
Used Auto & Recreational Vehicle Loans Up to 72  Months 2.75% to 13.90%
New Cycle & Boats Up to 72 Months 2.65% to 13.90%
Used Cycle & Boats Up to 60 Months 2.75% to 14.90%
Other Collateral Up to 72 Months 7.90% to 14.90%
Personal Loans Up to 60 Months 8.50% to 18.00%
Credit Repair/Credit Builder Loan Up to 36 Months 8.00%
Check Advance Loan Up to 6 Months 23.00% to 28.00%
Share Secured Up to 120 Months 4.00% on loans over $5,000.00 and  6.00% on loans $5,000.00 and less.  4.00% on loans secured against Money Market account.
CD Secured Up to 120 Months 2.00% above pledged certificate of deposit
Home Equity Line of Credit Loans (HELOC) Up to 180 Months Prime for first 6 months, then as low as 1% above prime.  Variable rate loan.
Visa Platinum 9.9% for purchase, balance transfer & cash advance
Visa Gold 10.90% for purchase, balance transfer & cash advance
Visa Classic 12.90% for purchase, balance transfer & cash advance

Effective date of rates is October 9, 2017. Rates are subject to change without notice.