Rates 

• Shares

  Share Type	APY** As High As	Dividend Pays	Minimum Balance
  Regular Share		Monthly	$25.00
  Checking		N/A	$0.00
  IRA		Monthly	$5.00
  Savings Cents	0.25%	Monthly	$5.00
  Christmas Club		Monthly	$5.00
  Budget Accounts		Monthly	$5.00
  High Yield		Monthly	$1,000.00

• Certificates

  Certificate Type	APY** - Fixed As High As	Dividend Pays	Minimum Balance
  6 Month CD		Quarterly	$500.00
  10 Month CD		Quarterly	$500.00
  11 Month Liquid CD***	4.00%	Quarterly	$500.00
  12 Month CD*		Quarterly	$500.00
  12 Month CD*		Quarterly	$10,000.00
  19 Month CD*		Quarterly	$500.00
  24 Month CD*		Quarterly	$500.00
  30 Month CD*		Quarterly	$500.00
  36 Month CD*		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 caledar 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.

• Youth Certificates

  Certificate Type	APY** - Fixed As High As	Dividend Pays	Minimum Balance
  1 Year CD	4.55%	Quarterly	$50.00
  2 Year CD	3.90%	Quarterly	$50.00
  3 Year CD	3.85%	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 26 years old or younger.
  

• Auto Loans

  Loan Type	APR* - Fixed As Low As	Term
  Autos New/Used 2014 - Newer		36 Months
  Autos New/Used 2014 - Newer		48 Months
  Autos New/Used 2014 - Newer		60 Months
  Autos New/Used 2014 - Newer		72 Months
  Autos New/Used 2014 - Newer		84 Months $25,000 min.
  Autos Used 2005 - 2013		Up to 60 Months
  Motorcycles Over 750cc	Same As Auto Rates	Up to 84 Months

  
  

  Apply online

• Recreational Vehicles

  Loan Type	APR* - Fixed As Low As	Term
  Travel Trailers, Boats & Motorhomes 2014 - Newer		Up to 60 Months
  Travel Trailers, Boats & Motorhomes 2016 - Newer		Up to 144 Months+
  Small Recreational Loans 2014 and Newer:
  Motorcycles under 750cc, ATVs, Watercraft, Snowmobiles		Up to 60 Months
  All Recreation 2013 - Older		48 Months

  +Based on loan amount.

  
  

  Apply online

• Personal Loans

  Loan Type	APR* - Fixed As Low As	Max Term	Max Amount
  Signature	Fixed	Up to 60 Months	Varies
  Holiday/Vacation	Fixed	Up to 12 Months	$5,000.00
  Youth - Requires Comaker	Fixed	48 Months	$5,000.00
  Share Secured	Variable	Make Inquiry	Make Inquiry
  CD Secured	CD Rate +	Make Inquiry	Make Inquiry

  
  

  Apply online

• Home Equity Loans

  Product	APR* - Fixed As Low As	LTV	Max Term
  1st Home Equity - 5 Year Balloon	Fixed	Up To 65%	Up to 20 Years - 5 Year Balloon
  1st Home Equity - 5 Year Balloon	7.24% Fixed	66 - 80%	Up to 20 Years - 5 Year Balloon
  2nd Home Equity - 5 Year Balloon	Fixed	Up To 65%	Up to 20 Years - 5 Year Balloon
  2nd Home Equity - 5 Year Balloon	7.49% Fixed	66 - 80%	Up to 20 Years - 5 Year Balloon
  1st Home Equity - 10 Year Ballon	7.24% Fixed	Up To 65%	Up to 20 Years - 10 Year Balloon
  1st Home Equity - 10 Year Balloon	7.49% Fixed	66 - 80%	Up to 20 Years - 10 Year Balloon
  2nd Home Equity - 10 Year Balloon	7.49% Fixed	Up To 65%	Up to 20 Years - 10 Year Balloon
  2nd Home Equity - 10 Year Balloon	7.74% Fixed	66 - 80%	Up to 20 Years - 10 Year Balloon
  1st Home Equity Line of Credit**	Variable	Up To 65%	10 Year Draw - Up to 15 Year Payback
  1st Home Equity Line of Credit**	8.25% Variable	66 - 80%	10 Year Draw - Up to 15 Year Payback
  2nd Home Equity Line of Credit**	8.50% Variable	Up To 65%	10 Year Draw - Up to 15 Year Payback
  2nd Home Equity Line of Credit**	8.75% Variable	66 - 80%	10 Year Draw - Up to 15 Year Payback
  Raw/Unimproved Land	Fixed	Up to 75%	Up to 20 Years - 10 Year Balloon
  Building Lot Loans	7.49% Fixed	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.

• VISA® Credit/Debit Cards

  Loan Type	APR* - Fixed As Low As	Max Term	Max Amount
  VISA® Platinum Reward	Variable	No Annual Fee	Up to $10,000.00
  VISA® Platinum Rate	Variable	No Annual Fee	Up to $10,000.00
  VISA® Debit - Overdraft	Fixed	No Annual Fee	Up to $5,000.00

  
  

  Apply online

All Rates Effective: 11-18-2024

** APY (Annual Percentage Yield) 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.
* APR (Annual Percentage Rate). 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