Rates
Share Rates
Consumer Account Rates
| Account Type | Balance To Earn APY | APY** | Interest Rate |
|---|---|---|---|
| Membership Savings | $0.00 to $25.00 | 0.00% | 0.00% |
| Membership Savings | $25.00 plus | 0.10% | 0.10% |
| Special Savings | $100.00 plus | 0.10% | 0.10% |
| Regular Checking | All | 0.00% | 0.00% |
| Health Savings Accounts | See Money Market Rates | ||
| Money Market Checking | $2,000.00 to $10,000.00 | 1.26% | 1.25% |
| Money Market Checking | $10,000.01 to $25,000.00 | 1.51% | 1.50% |
| Money Market Checking | $25,000.01 to $50,000.00 | 1.77% | 1.75% |
| Money Market Checking | $50,000.01 to $100,000.00 | 2.02% | 2.00% |
| Money Market Checking | $100,000.01 and over | 2.12% | 2.10% |
Savings and Checking account dividends will be declared by the Board of Directors each month. Under-18 savings accounts will begin earning dividends at $0.01. Rates on variable rate accounts could change after account opening. Fees may reduce earnings on the account. APY is accurate as of the last dividend declaration date.
APY = Annual Percentage Yield.
Federally insured by NCUA.
Term Share Certificates (includes IRA)
| Minimum Balance To Earn APY** ($250 - Over) | |||
|---|---|---|---|
| Term | APY** | Interest Rate | Penalty (in Days) |
| 3 Months | 1.00% | 1.00% | 90 days |
| 6 Months | 1.00% | 1.00% | 90 days |
| 12 Months | 2.02% | 2.00% | 180 days | 18 Months | 2.02% | 2.00% | 180 days |
| 24 Months | 2.02% | 2.00% | 365 days |
| 36 Months | 1.87% | 1.85% | 730 days (2 Years) |
| 48 Months | 1.87% | 1.85% | 730 days (2 Years) |
| 60 Months | 1.87% | 1.85% | 730 days (2 Years) |
Interest for Time Share Certificates is calculated daily and paid monthly. Upon early withdrawal, certificates will carry a penalty of forfeiture of interest as indicated. Minimum balance to earn APY** ($250 – Over). Fees may reduce earnings on the account. Penalty will never exceed the amount of interest actually earned.
APY = Annual Percentage Yield.
Federally insured by NCUA.
Business Account Rates | Business Savings and Checking Account Rates | Business / Non-Profit
| Account Type | Balance To Earn APY | APY** | Interest Rate |
|---|---|---|---|
| Membership Savings | $0.00 to $25.00 | 0.00% | 0.00% |
| Membership Savings | $25.00 plus | 0.10% | 0.10% |
| Secondary Savings | $100.00 plus | 0.10% | 0.10% |
| Regular Checking | All | 0.00% | 0.00% |
| Money Market Checking | $10,000.01 to $25,000.00 | 1.51% | 1.50% |
| Money Market Checking | $25,000.01 to $50,000.00> | 1.77% | 1.75% |
| Money Market Checking | $50,000.01 to $100,000.00 | 2.02% | 2.00% |
| Money Market Checking | $100,000.01 and over | 2.12% | 2.10% |
Business Savings and Business Checking account dividends will be declared by the Board of Directors each month. Rates on variable rate business accounts could change after account opening. Fees may reduce earnings on the account. APY is accurate as of the last dividend declaration date.
APY = Annual Percentage Yield.
Federally insured by NCUA.
Business Term Share Certificates
| Minimum Balance To Earn APY** ($250 - Over) | |||
|---|---|---|---|
| Term | APY** | Interest Rate | Penalty (in Days) |
| 3 Months | 1.00% | 1.00% | 90 days |
| 6 Months | 1.00% | 1.00% | 90 days |
| 12 Months | 2.02% | 2.00% | 180 days | 18 Months | 2.02% | 2.00% | 180 days |
| 24 Months | 2.02% | 2.00% | 365 days |
| 36 Months | 1.87% | 1.85% | 730 days (2 Years) |
| 48 Months | 1.87% | 1.85% | 730 days (2 Years) |
| 60 Months | 1.87% | 1.85% | 730 days (2 Years) |
Interest for Business Time Share Certificates is calculated daily and paid monthly. Upon early withdrawal, certificates will carry a penalty of forfeiture of interest as indicated. Minimum balance to earn APY** ($250 – Over). Fees may reduce earnings on the account. Penalty will never exceed the amount of interest actually earned.
Rates are subject to change at any time and are not guaranteed.
APY = Annual Percentage Yield.
Federally insured by NCUA.
Loan Rates - Declared as of November 1, 2024
All rates are reflective AS LOW AS. Actual rate based on creditworthiness and term of loan.
Automobile
| Type | APR* | Term |
|---|---|---|
| Current Model Year | 6.99% | Up To 84 Months |
| Up To 10 Years | 7.24% | Up To 84 Months |
| Over 10 Years | 8.24% | Up To 60 Months |
| Loan Examples for Auto Loans | APR* | Monthly Payment |
|---|---|---|
| Current Model Year $10,000.00 for 48 months |
6.99% | $239.42 |
| Up To 10 Model Years $10,000.00 for 48 months |
7.24% | $240.58 |
| Over 10 Model Years $10,000.00 for 48 months |
8.24% | $245.26 |
Recreational Vehicles: Campers, Trailers, RV’s, and Boats
| Type | APR* | Term |
|---|---|---|
| Previous 7 Years | 8.74% | Up To 144 Months |
| Greater Than 8 Years | 79.74% | Up To 120 Months |
| Loan Examples for Recreational Vehicles | APR* | Monthly Payment |
|---|---|---|
| Previous 7 Years $10,000.00 for 60 months |
8.74% | $206.32 |
| Greater Than 8 Years $10,000.00 for 60 months |
9.74% | $211.19 |
Personal
| Type | APR* | Term |
|---|---|---|
| Personal Loan | 8.99% | Up To 60 Months |
| Personal Line of Credit | 14.99% | Up To 60 Months |
| Secured Line of Credit | 10.00% | Up To 36 Months |
| Loan Examples for Personal Loans | APR* | Monthly Payment |
|---|---|---|
| Personal Loan for $10,000.00 for 36 months | 10.99% | $327.34 |
| VISA® Credit Card | Classic | Secured | Platinum |
|---|---|---|---|
| Annual Percentage Rate for purchases | as low as 12.90% | as low as 14.90% | as low as 13.90% |
| Grace period for repayment of balances for purchases | 25 Days | 25 Days | 25 Days |
| Method for computing the balance for purchases | Average Daily Balance (including new purchases) | Average Daily Balance (including new purchases) | Average Daily Balance (including new purchases) |
| Annual Fee | None | None | None |
| Minimum Interest Charge | None | None | None |
| Balance Transfer Fee | 2.00% | 2.00% | None |
| Cash Advance Fee | 2.00% | 2.00% | 2.00% |
| Late Payment Fee | $15.00 | $15.00 | $15.00 |
| Foreign Transaction Fee | Multiple-Currency 1.00% Single-Currency 0.80% |
Multiple-Currency 1.00% Single-Currency 0.80% |
Multiple-Currency 1.00% Single-Currency 0.80% |
Real Estate
Due to the ever changing economy, please ask a loan officer for Real Estate loan products and rates.
Other
| Type | APR* | Term |
|---|---|---|
| New / Used Business Equipment | 6.44% | Up to 120 Months |
| Green Energy Loans | 5.99% | Up to 84 Months |
| Loan Examples for Other | APR* | Monthly Payment |
|---|---|---|
| Business Equipment $15,000.00 for 60 months | 6.44% | $293.07 |
| Green Energy Loan $10,000.00 for 72 months | 5.99% | $165.68 |