Rates are effective as of September 4, 2018

DEPOSIT RATES

Regular Shares- 

Earn 0.050% APY  with an average balance of $100.00 per quarter.  Minimum balance of $5. 

Special Savings-   

Earn 0.050% APY  with an average balance of $100.00 per quarter.  Minimum balance of $5. 

Checking-            

Earn 0.050% APY  with an average balance of $1,000.00 per quarter.  No minimum balance. 

Christmas Club- min. $5 deposit  

Earn 0.050% APY  with an average balance of $100.00 per quarter.  Minimum balance of $5. 

Money Market- $1,000.00-$9,999.00     

Earn 0.30% APY

Money Market- $10,000.00-$24,999.00

Earn 0.40% APY

Money Market- $25,000.00 or more  

Earn 0.50% APY


CERTIFICATE RATES

6 month cd- min. $1,000.00 

Earn 0.45% APY

1 year cd- min. $1,000.00 

Earn 1.05% APY

2 year cd- min. $1,000.00 

Earn 1.56% APY

3 year cd- min. $1,000.00 

Earn 1.76% APY

4 year cd- min. $1,000.00 

Earn 2.07% APY

5 year cd- min. $1,000.00 

Earn 2.27% APY

6 month youth cd- min. $50.00 

Earn 0.60% APY, only applicable on minor account 18 years of age and under. 

Existing member certificates may be converted into a 48 or 60 month term upon member's request without penalty.  A new certificate will be created to reflect the new term, commencing that date.  Should the dollar amount change, a penalty will apply.  

cd term                                  penalty

6 - 36 months                              90 days

48 months                                  18 months

60 months                                 24 months


IRA RATES

1 YEAR IRA- min. $2,000.00 

Earn 0.85% APY

2 year IRA- min. $2,000.00 

Earn 1.31% APY


LOAN RATES*

auto

Minimum finance amount $3,000.00

model year 2019-2014  

New or Used

Up to 48 mo. – as low as 2.85%

49-66 mo. – as low as 3.24%

67-72 mo. – as low as 3.85%

73-84 mo. – as low as 4.24%

model year 2013-2009  

Up to 48 mo. – as low as 3.85%

49-66 mo. – as low as 4.24%

67-72 mo. –  as low as 4.85%

73-84 mo. – as low as 5.24%

model year 2008 & older  

Up to 36 mo. – as low as 4.85%

37-48 mo. – as low as 5.24%

49-66 mo. – as low as 7.24%

*Subject to change at any time.  No rebuilt/salvage titles accepted.  

 

recreational/collateral 

Minimum finance amount $3,000.00

Up to 120 mo. – as low as 5.75%

*Subject to change at any time.  No rebuilt/salvage titles accepted.  

 

personal

Borrow from $500.00-$15,000.00 

Up to 60 mo. – as low as 8.75%

*Subject to change at any time.   

 

secured/Credit builder

minimum $300.00

Up to 120 mo. – as low as 3.00%

*Subject to change at any time. 

 

certificate secured

minimum $300.00

Up to 120 mo. – as low as 4.00%

*Subject to change at any time. 

 

home equity

minimum $5,000.00

Up to 80% – as low as 5.19%

Up to 85% – as low as 6.19%

Up to 90% – as low as 7.19%

*Subject to change at any time.   

 

visa credit card

limits up to $15,000.00 

Revolving line – as low as 6.80%

*Subject to change at any time. 

 APR – Annual Percentage Rate  APY – Annual Percentage Yield