Rates

Savings Rates

Regular Shares

Savings Rates	Dividend	APY	Minimum Required Balance	Minimum Opening Deposit
Regular Shares	.05%	0.050012%	$1,000 and above	$25.00
	0.00	0.00%	$25.00	$25.00
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Club - Taxes

Savings Rates	Dividend	APY	Minimum Required Balance	Minimum Opening Deposit
Club - Taxes	.05%	.050012%	N/A	N/A
APY = Annual Percentage Yield  Return to top

Share Secured

Savings Rates	Dividend	APY	Minimum Opening Deposit
Share Secured	0.05	0.050012	N/A
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Christmas Club

Savings Rates	Dividend	APY	Minimum Required Balance	Minimum Opening Deposit
Christmas Club	.05%	.050012%	N/A	N/A
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Regular Sharedraft

Savings Rates	Dividend	APY	Minimum Required Balance	Minimum Opening Deposit
Regular Sharedraft	0.00%	0.00%	N/A	N/A
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DBA Sharedraft

Savings Rates	Dividend	APY	Minimum Required Balance	Minimum Opening Deposit
DBA Sharedraft	0.00%	0.00%	N/A	N/A
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High Yield Sharedraft

Savings Rates	Dividend	APY	Minimum Required Balance	Minimum Opening Deposit
High Yield Sharedraft	.14%	0.140099%	$75,000 + up	N/A
	.12%	0.120066%	$50,000 - $74,999	N/A
	.10%	0.100046%	$10,000 - $49,999	N/A
	.07%	0.070022%	$2,500 - $9,999	N/A
	.05%	0.050012%	0 -$2,499	N/A
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Money Market Accounts

Savings Rates	Dividend	APY	Minimum Required Balance	Minimum Opening Deposit
Money Market Account	.14%	.140090%	$75,000 and up	N/A
	.12%	.120066%	$50,000 - $74,999	N/A
	.10%	.100046%	$10,000 - $49,999	N/A
	.07%	.070022%	$2,500 - $9,999	N/A
	.05%	.050012%	0 - $2,499	N/A
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Certificate of Deposits

Savings Rates	Term	Limits	Minimum Opening Deposit
Certificate of Deposit	Not available at this time	Penalty for early withdrawal	$500
	Not available at this time	Penalty for early withdrawal	$500
	Not available at this time	Penalty for early withdrawal	$500
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Loan Rates

Home Equity (variable rate)

Loan Type	Term	Rate	Limits
Home Equity Loans	180 Months (10 year draw period)	Prime rate plus 1%	up to 80% of equity of home
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Home Equity (fixed rate)

Loan Type	Term	Rate	Limits
Fixed Rate Home Equity	180 Months (10 year draw period)	6.99%	up to 80% of Equity in Home
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Secured & Unsecured Personal Loans

Secured Loans

Loan Type	Term	Rate	Limits
Share Secured - Type 16	up to 60 months	2.00%	up to $50,000
* Shares need to be deposited to type 15 savings accounts.  Return to top

Unsecured/Signature Loans

Loan Type	Score	Term	Rate	Limits
Signature Loan, Co-maker Loan, & Un-secured Loan	A	up to 48 months	10.00%	up to $4000
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Vehicle Loans

New Vehicle

Loan Type	Score	Term	Rate	Limits
New Vehicle	A	up to 66 months	4.75%	up to $70,000
	A	up to 78 months	5.00%	up to 70,000
	A	up to 78 months	5.00%	up to $70,000
	A	up to 84 months	5.25%	Minimum loan $35,000 up to $70,000
	A	96 months	5.50%	Minimum loan $50,000 up to $70,000
100% Financing  Return to top

Used Vehicle

Loan Type	Score	Term	Rate	Limits
2020-2022	A	up to 48 months	6.50%	up to 650,000
	A	up to 60 Months	7.00%	up to $60,000
	A	up to 72 months	7.50%	up to $60,000
NADA Clean Retail or the purchase price, whichever is lower.  Return to top

Used Vehicle

Loan Type	Score	Term	Rate	Limits
2017-2019	A	up to 48 Months	7.50%	up to $50,000
	A	up to 60 months	8.00%	up to $50,000
	A	up to 72 Months	8.50%	up to $50,000
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Used Vehicle

Loan Type	Score	Term	Rate	Limits
2016 and older	A	up to 36 months	8.00%	up to $50,000
	A	up to 48 months	8.50%	up to $50,000
NADA CLEAN RETAIL or 95% of the purchase price, whichever is lower.  Return to top

R.V.'s, Campers, Motorhomes, Boats & Other

100% Financing-New RV,Campers,Motorhomes,Boats

Loan Type	Term	Rate	Limits
New RV,Camper,Motorhomes & Boats	66 - 180 months	as low as 4.75%	up to $70,000
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Used-RV,Campers,Motorhomes,Boats

Loan Type	Term	Rate	Limits
Used RV,Camper,Motorhome & Boat	60-96 months	as low as 7.00%	up to $60,000
NADA Clean Retail Value or 95% of purchase price, whichever is lower  Return to top