Rates

Rates effective December 1, 2017

Vehicle Loans

Type Who's it for? APR*
Car or Truck (new or used)

For anyone looking to finance their next ride.

1.74% to 2.49%

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Loan/Term Comments APR*
New/Used Car or Truck - Up to 24 months Up to 100% of Car Value 1.74%
New/Used Car or Truck - Up to 36 months Up to 100% of Car Value 1.99%
New/Used Car or Truck - Up to 48 months Up to 100% of Car Value 2.24%
New/Used Car or Truck - Up to 60 months Up to 100% of Car Value 2.49%
New/Used Car or Truck - Up to 72 months Up to 100% of Purchase Price (Minimum $30,000) 2.49%
Motorcycle

For those who love the freedom of the open road.

7.25%

Boats

Anyone who wants to be called captain.

7.25%

Recreational Vehicles

For families who want to see America.

7.25%

*Annual Percentage Rate varies depending on term length and percentage of purchase price. See description page for details.

Credit Cards

Type Who's it for? APR*
Visa Classic

The basic card for those just starting out. No Annual Fee. Revolving.

7.75%

Visa Platinum

For those who love true convenience. No Annual Fee. Revolving.

7.75%

Home Loans

Type Who's it for? APR*
Home Equity (fixed)

For anyone who wants to tap the equity in their home with a fixed rate and payment. 80% LTV, up to 180 months

5.75%

Home Equity (variable)

For those who want to keep their payments and options open with a revolving line of credit. 80% LTV, up to 240 months

4.00%

Home Improvement

For anyone looking to update their home for themselves or to put on the market. $20,000.00 maximum, up to 120 months.

9.25%

*APR varies depending on balance and transaction criteria. See description page for details.

Other Personal Loans

Type Who's it for? APR*
Fresh Start

For families who need a helping hand. Up to 12 months.

Max. unsecured Signature Loan Rate

Signature (fixed)

For anyone interested in a quick and easy loan. All personal loans that are approved in the amount of $2,999.00 or less will be granted at an 18.00% APR.

9.25%

Signature (variable)

If you have a signature, you can get a loan. Up to 48 months.

10.10%

Savings-Secured

For anyone who wants to borrow money against their share savings account. 100% of share balance up to 5 years.

3.00% Above Last Dividend

Line of Credit

For anyone who needs immediate access to funds. Minimum $500.00, open ended.

10.10%

*Annual Percentage Rate varies depending on term length and percentage of purchase price. See description page for details. Rates are subject to change and are based on individual's credit history and term of loan.
Prime is 4.00% as of March 16, 2017.

Checking Accounts

Type Who's it for? APY*
Earn Checking

For anyone interested in getting a return from their checking balance.

2.00% to 0.50%

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Earn Checking Balance APY*
Up to $11,000 2.00%
Over $11,000.01 .50%

*Annual Percentage Yield varies depending on balance and transaction criteria. See description page for details.

Savings Accounts

Type Who's it for? APY*
Standard Savings

For families who want to save for the future.

0.25%

Club Accounts

For anyone planning ahead to the holidays or summer vacation. Any Balance

0.10%

*Annual Percentage Yield varies depending on balance and transaction criteria. See description page for details.

Certificates

Type Who's it for? APY*
Certificates

For those who want to earn more for their savings.

1.44% to 0.53%

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Term Balance APY*
6 month $10,000 minimum Call for rate
1 year $1,000 - $9,999 0.53%
$10,000 - $49,999 0.63%
$50,000 - $99,999 0.73%
Over $100,000 0.83%
18 months $1,000 - $9,999 0.53%
$10,000 - $49,999 0.63%
$50,000 - $99,999 0.73%
Over $100,000 0.83%
2 years $1,000 - $9,999 0.68%
$10,000 - $49,999 0.78%
$50,000 - $99,000 0.88%
Over $100,000 0.98%
3 years $1,000 - $9,999 0.83%
$10,000 - $49,999 0.93%
$50,000 - $99,999 1.03%
Over $100,000 1.14%
4 years $1,000 - $9,999 0.95%
$10,000 - $49,999 1.06%
$50,000 - $99,999 1.16%
Over $100,000 1.26%
5 years $1,000 - $9,999 1.14%
$10,000 - $49,999 1.24%
$50,000 - $99,999 1.34%
Over $100,000 1.44%

*Annual Percentage Yield varies depending on balance and transaction criteria. See description page for details. Dividends for 6-month certificates are credited and compounded at maturity. Other certificate dividends are compounded and credited monthly. There is a penalty for early withdrawal.

Individual Retirement Account (IRA) and IRA Certificates

Type Who's it for? APY*
IRA Certificates

For those planning ahead to retirement.

1.14% to 0.53%

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IRAs (not tiered) Term APY*
6 month - $10,000 minimum Call for rate
1 year 0.53%
18 months 0.53%
2 years 0.68%
3 years 0.83%
4 years 0.95%
5 years 1.14%
IRAs

For those planning ahead to retirement outside their employer’s plan.

0.35% to 0.45%

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IRAs Balance APY*
Over $20,000 0.45%
$2,500 - $19,999 0.40%
$1 - $2,499 0.35%

*Annual Percentage Yield varies depending on balance and transaction criteria. See description page for details.

Insured Money Market Account

Type Who's it for? APY*
Insured Money Market Account

For those who want a higher return on their investment.

0.40% to 0.30%

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Insured Money Market Account Balance APY*
Over $20,000 0.40%
$10,000 - $19,999 0.35%
$2,500 - $9,999 0.30%
Premium Insured Money Market Account

For those who want more from their Money Market Account.

0.75% to 0.25%

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Premium Insured Money Market Account Balance APY*
Over $100,000 0.75%
$50,000 - $99,999 0.60%
$25,000 - $49,999 0.50%
$0 - $24,999 0.25%

*Annual Percentage Yield varies depending on balance and transaction criteria. See description page for details.

Interest Earning

Type Who's it for? APY*
Business Interest Checking

For business owners who want to earn interest on any balance.

0.10%

Business Savings

For entrepreneurs planning ahead. Any Balance.

0.25%

Insured Money Market Account

For those who want a higher return on their investment.

0.40% to 0.30%

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Insured Money Market Account Balance APY*
Over $20,000 0.40%
$10,000 - $19,999 0.35%
$2,500 - $9,999 0.30%
Premium Business Insured Money Market Account

For those who want more from their Money Market Account.

0.75% to 0.25%

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Premium Business Insured Money Market Account Balance APY*
Over $100,000 0.75%
$50,000 - $99,999 0.60%
$25,000 - $49,999 0.50%
$0 - $24,999 0.25%

*Annual Percentage Yield varies depending on balance and transaction criteria. See description page for details.

Business Loans

Type Who's it for? APY*
Business Loans

For business owners who want to expand and grow their enterprise.

Varies

*Annual Percentage Rate varies depending on term length and percentage of purchase price. See description page for details.

*Rates are subject to change and are based on individual's credit history and term of loan. Prime is 4.25% as of June 15, 2017. APR represents Annual Percentage Rate; APY represents Annual Percentage Yield.

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