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| Share Type | APY** As High As | Dividend Pays | Minimum Balance |
| Regular Share | 0.05% |
Monthly | $25.00 |
| Checking | 0.00% |
N/A | $0.00 |
| IRA | 0.15% |
Monthly | $5.00 |
| Savings Cents | 0.25% |
Monthly | $5.00 |
| Christmas Club | 0.15% |
Monthly | $5.00 |
| Budget Accounts | 0.05% |
Monthly | $5.00 |
| High Yield | 0.15% |
Monthly | $1,000.00 |
| Certificate Type | APY** - Fixed As High As | Dividend Pays | Minimum Balance |
| 6 Month CD | 4.35% |
Quarterly | $500.00 |
| 10 Month CD | 4.50% |
Quarterly | $500.00 |
| 11 Month Liquid CD*** | 3.75% |
Quarterly | $500.00 |
| 12 Month CD* | 4.25% |
Quarterly | $500.00 |
| 19 Month CD* | 4.10% |
Quarterly | $500.00 |
| 24 Month CD* | 3.95% |
Quarterly | $500.00 |
| 30 Month CD* | 4.00% |
Quarterly | $500.00 |
| 36 Month CD* | 4.00% |
Quarterly | $500.00 |
Penalties for withdrawing funds before the end of the designated term may apply.
*If you opt for the one-time bump option, the original CD rate will be .25% lower than stated.
***Maximum $100,000. One deposit allowed per calendar month. One withdrawal per calendar month, and the balance can't drop below 50% of the original certificate balance. There is no bump option on liquid certificates.
| Certificate Type | APY** - Fixed As High As | Dividend Pays | Minimum Balance |
| 1 Year CD | 4.40% |
Quarterly | $50.00 |
| 2 Year CD | 4.10% |
Quarterly | $50.00 |
| 3 Year CD | 4.15% |
Quarterly | $50.00 |
Penalties for withdrawing funds before the end of the designated term may apply.
There is no bump option on Youth Certificates. $50,000 max per account. Must be 25 years old or younger.
| Loan Type | APR* - Fixed As Low As | Term |
| Autos New/Used 2015 - Newer | 4.99% |
36 Months |
| Autos New/Used 2015 - Newer | 4.99% |
48 Months |
| Autos New/Used 2015 - Newer | 4.99% |
60 Months |
| Autos New/Used 2015 - Newer | 5.99% |
72 Months |
| Autos New/Used 2015 - Newer | 6.999% |
84 Months $25,000 min. |
| Autos Used 2006 - 2014 | 8.24% |
Up to 60 Months |
| Motorcycles Over 750cc | Same As Auto Rates |
Up to 84 Months |
| Loan Type | APR* - Fixed As Low As | Term |
| Travel Trailers, Boats & Motorhomes 2015 - Newer | 8.24% |
Up to 60 Months |
| Travel Trailers, Boats & Motorhomes 2017 - Newer | 9.24% |
Up to 144 months+ |
| Small Recreational Loans 2015 and Newer: | ||
| Motorcycles under 750cc, ATVs, Watercraft, Snowmobiles | 8.49% |
Up to 60 Months |
| All Recreation 2014 - Older | 9.24% |
48 Months |
+Based on the loan amount.
| Loan Type | APR* - Fixed As Low As | Max Term | Max Amount |
| Signature | 11.50% |
Up to 60 Months | Varies |
| Holiday/Vacation | 9.25% |
Up to 12 Months | $5,000.0 |
| Youth - Requires Comaker | 9.50% |
48 Months | $5,000.00 |
| Share Secured | 6.50% |
Make Inquiry | Make Inquiry |
| CD Secured | CD Rate + 1.00% |
Make Inquiry | Make Inquiry |
| Product | APR* - Fixed As Low As | LTV | Max Term |
| 1st Home Equity - 5 Year Balloon |
6.99% |
Up To 65% | Up to 20 Years - 5 Year Balloon |
| 1st Home Equity - 5 Year Balloon |
7.24% |
66 - 80% | Up to 20 Years - 5 Year Balloon |
| 1st Home Equity - 10 Year Balloon |
7.24% |
Up To 65% | Up to 20 Years - 10 Year Balloon |
| 1st Home Equity - 10 Year Balloon |
7.49% |
66 - 80% | Up to 20 Years - 10 Year Balloon |
| 2nd Home Equity - 5 Year Balloon |
7.24% |
Up To 65% | Up to 20 Years - 5 Year Balloon |
| 2nd Home Equity - 5 Year Balloon |
7.49% |
66 - 80% | Up to 20 Years - 5 Year Balloon |
| 2nd Home Equity - 10 Year Balloon |
7.49% |
Up To 65% | Up to 20 Years - 10 Year Balloon |
| 2nd Home Equity - 10 Year Balloon |
7.74% |
66 - 80% | Up to 20 Years - 10 Year Balloon |
| 1st Home Equity Line of Credit** |
8.00% |
Up To 65% | 10 Year Draw - Up to 15 Year Payback |
| 1st Home Equity Line of Credit** |
8.25% |
66 - 80% | 10 Year Draw - Up to 15 Year Payback |
| 2nd Home Equity Line of Credit** |
8.50% |
Up To 65% | 10 Year Draw - Up to 15 Year Payback |
| 2nd Home Equity Line of Credit** |
8.75% |
66 - 80% | 10 Year Draw - Up to 15 Year Payback |
| Raw/Unimproved Land |
7.99% |
Up to 75% | Up to 20 Years - 10 Year Balloon |
| Building Lot Loans |
7.49% |
Up to 75% | Up to 20 Years - 10 Year Balloon |
*Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. Prime Rate is obtained from the Wall Street Journal.
**Primary Residence only.
To apply for a Home Equity Loan please call any of our convenient branch locations.
| Loan Type | APR* | Max Term | Max Amount |
| VISA® Platinum Reward | 13.00% |
No Annual Fee | Up to $10,000.00 |
| VISA® Platinum Rate | 11.00% |
No Annual Fee | Up to $10,000.00 |
| VISA® Debit - Overdraft | 14.50% |
No Annual Fee | Up to $5,000.00 |
All Rates Effective: 2-10-2025
**Annual Percentage Yield (APY) calculations are based on monthly compound interest for checking and money market accounts and quarterly compound interest for savings and certificate
accounts and assumes principal and interest remain on deposit at current rate for one year. Rates are subject to change.
*Annual Percentage Rate (APR). The rate we are providing is the lowest rate available to most qualified members. The actual rate and payment amount you receive will reflect your
individual circumstances and may be higher than the rate and payment amount disclosed initially. Rates are subject to change