Rates

LOANS
VEHICLE LOANSYEARAPRTERM
New/Used Car, Truck or Motorcycle2007-20172.99%24 months
New/Used Car, Truck or Motorcycle2008-20173.49%36 months
New/Used Car, Truck or Motorcycle2012-20173.99%48 months
New/Used Car, Truck or Motorcycle2013-20174.49%60 months
New/Used Car, Truck or Motorcycle2014-20174.99%72 months
New/Used Car, Truck or Motorcycle2015-20175.49%84 months
Recreational Vehicles YEARAPRTERM
Boats-RV-ATV-Snowmobile-Jet Ski2007-20173.49%24 months
Boats-RV-ATV-Snowmobile-Jet Ski2008-20174.49%36 months
Boats-RV-ATV-Snowmobile-Jet Ski2012-20174.99%48 months
Boats-RV-ATV-Snowmobile-Jet Ski2013-20175.49%60 months
Boats-RV-ATV-Snowmobile-Jet Ski2014-20175.99%72 months
Boats-RV2008-20176.99%120 months
minimum for 120 month financing is $25,000
OTHER SECURED LOANSAPRTERM
Other Secured-Vehicles 2006 and Older11.00%12-48 months
Other Secured-Tractors, Mowers, Other Equipment11.00%12-72 months
Share SecuredR+3.00%12-48 months
Share CertificateR+3.00%CD Term
UNSECURED LOANSAPRTERM
Overdraft Protection18.00%Revolving
Signature Line of Credit16.00%Revolving
Signature Loan 9.00%12-60 months
Tax Loans (tax payment/real estate) 6.49%6-24 months
Debt Consolidation Loans12.00%12-60 months
VISA Credit Card12.00%Revolving
ENERGY LOANS4.49%12-36 months
May be used for any energy efficiency improvement 4.99%12-48 months
5.49%12-60 months
TIME NOTESRATETERM
Unsecured16.00%30-90 days
Secured Secured Rate30-90 days
HOME LOANSRATETERM
Home Improvement Loan12.00%12-60 months
Home Equity Line of CreditP+2.00%60-180 months
Index: Wall Street Journal
Rate Adjustments: Quarterly
Rates effective December 31, 2016 until further notice
Debt Consolidation Loan
TERMA++A+ABC
760-850700-759680-699640-679600-639
Max Term 60 Months7.49%7.99%8.49%8.99%9.49%
Loan Special Effective 3/17/17
DIVIDEND RATES, MONEY MARKETS & IRA ACCOUNTS
Dividend Rates
ACCOUNTDIVIDEND RATEAPY*
Regular Shares0.10%0.100%
Christmas Club0.10%0.100%
Special Savings0.10%0.100%
Share Draft0.00%0.000%
Money Market Accounts
BalanceRATEAPY*
$ 2,000 to 9,999.990.35%0.350%
$10,000 to 49,999.990.45%0.451%
$50,000 to 99,999.990.50%0.501%
$100,000 and over0.50%0.501%
Money Market Accounts (Minimum balance $2,000)
IRA Certificate Accounts
TERMRATEAPY*
24 months.50%0.501%
36 months1.35%1.358%
60 month rate suspended until further notice
CERTIFICATE RATES
TERMRATEAPY*
06 months0.50%0.501%
12 months0.75%0.753%
18 months0.80%0.803%
24 months1.15%1.156%
36 months1.35%1.358%
48 months1.50%1.510%
60 month rate suspended until further notice.
*The Annual Percentage Yield (APY) is offered as of 3.31.16 and assumes principal and interest remains on deposit until maturity. Substantial penalty for early withdrawal. Minimum deposit $500. Rates subject to change without notice.