Rates

Loan Rates

Current as of January 1, 2024

Loan Description Term APR*
Automobile (New & Used) 84 mos. 6.79 - 18.00%
  72 mos. 6.49 - 18.00%
  60 mos. 6.29 - 18.00%
  48 mos. 5.79 - 18.00%
  36 mos. 5.79 - 18.00%
  24 mos. 5.79 - 18.00%
Motorcycles (New & Used) 84 mos. 8.79 - 18.00%
  72 mos. 8.49 - 18.00%
  60 mos. 8.29 - 18.00%
  48 mos. 7.79 - 18.00%
Boats (New & Used) 84 mos. 8.79% - 18.00%
  72 mos. 8.49% - 18.00%
  60 mos. 8.29% - 18.00%
  48 mos. 7.79% - 18.00%
Computer, Furniture, etc. 36 mos. 10.00%
Home Equity 60 mos. **Call for information**
  120 mos. **Call for information**
Home Improvement (fixture filing) 60 mos. 9.00%
Unsecured (Signature Loan) 6 - 48 mos. 10.50% - 18.00%
Overdraft Protection   17.50%
Single Payment 90 days 10.00%
Share Secured   3% + Rate
Certificate Secured   3% + Rate
Helping Hand Loan ($500.00 max.) 6 mos. 18.00% + $35.00 loan fee
Home Equity Line of Credit 60 mos.
120 mos.
**Call for current rates**
Undeveloped Property   **Market**
First Mortgage**   **Call for information**

APR=Annual Percentage Rate. Rates are subject to change.
Loan applications subject to credit approval.


Savings Rates

Current as of January 1, 2024

Account Description Range APR* APY**
Savings Minimum of $100 in account to earn interest. 0.07% 0.07%
Minimum of $25.00 in account maintains credit union membership. Dividends calculated by the daily balance method* and posted quarterly.
Account Description Minimum APR* APY**
Share Draft $1,000 0.01% 0.01%
Dividends calculated by daily balance method* and posted quarterly.
Account Description APR* APY**
Christmas Club 0.01% 0.01%
Dividends calculated by daily balance method* and posted quarterly.
Account Description APR* APY**
Vacation Club 0.01% 0.01%
Dividends calculated by daily balance method* and posted quarterly. Minimum $10. Withdrawals limited to three per calendar year. Penalty for excess withdrawals $25.
Account Description APR* APY**
Rainy Day Club 0.01% 0.01%
Dividends calculated by daily balance method* and posted quarterly. Minimum $10. Withdrawals limited to three per calendar year. Penalty for excess withdrawals $25.
Account Description Minimum APR* APY**
Money Market ($5,000 min.) $5,000 2.55% 2.55%
  $10,000 2.75% 2.75%
  $25,000 3.00% 3.00%
  $50,000 3.15% 3.15%
  $75,000 3.25% 3.25%
  $100,000 3.35% 3.35%
  $200,000 3.45% 3.45%
  $300,000 3.55% 3.55%
Minimum of $25.00 in account maintains credit union membership. Dividends calculated by the daily balance method* and posted quarterly.

CDs & IRAs

Current as of January 1, 2024

Account Description Term APR* APY**
Share Certificate Deposit
(Interest posted at maturity)
$1,000 Minimum
6 mos. 4.00% 4.00%
  12 mos. 4.15% 4.15%
  24 mos. 4.25% 4.25%
  36 mos. 4.30% 4.30%
  48 mos. 4.35% 4.35%
  60 mos. 4.40% 4.40%
Account Description Term APR* APY**
Share Certificate Deposit
(Interest posted quarterly)
Over $50,000
6 mos. 4.05% 4.05%
  12 mos. 4.20% 4.20%
  24 mos. 4.30% 4.30%
  36 mos. 4.35% 4.35%
  48 mos. 4.40% 4.40%
  60 mos. 4.45% 4.45%
Account Description Term APR* APY**
Share Certificate Deposit/Birthday CD
(Min. Age 55)
$1,000 Minimum
12 mos. Age Plus -- 3.65% Age Plus -- 3.65%
Account Description APR* APY**
IRA Accumulative
Roth IRA Accumulative
ESA (Coverdell) Accumulative
1.50% 1.50%

Dividends posted quarterly. Variable rate account. Rate subject to change.
APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change.
*The daily balance method applies a daily periodic rate to the balance in the account each day.
Penalty for early withdrawals which could include loss of principle. Apply to account opened or renewed on/after April 30, 2019. Refer to your disclosure for more detailed information.