Rates

Savings and Certificates

Account TypeRate
Basic Share AccountMinimum $25.00 balance – $200.00 and over paying .10% dividend – .10% APY – (includes S1, S2, S4)
Money Market Savings AccountMinimum Balance $5000.00 – Minimum w/d $500.00 Maximum of 3 w/d a month .35% dividend – .35% APY
IRA AccountsMinimum $25.00 deposit .30% dividend – .30% APY
CertificatesMinimum deposit $1000.00
6 month certificate .25% dividend – .25% APY
12 month certificate
.35% dividend – .35% APY
24 month certificate
1.25% dividend – 1.25% APY

New & Used Cars, Motorcycles, & Boats (Based on Blue Book Values)

Loans

Year ModelRateTerm
2018 (new, never titled)2.49% APR
3.49% APR
60 months
72 months
2015 – 20172.99%APR60 months*
2011 – 20144.00% APR48 months*
2008 – 20104.50% APR36 months*
2007 or older7.50% APR24 months*

Vehicles,motorcycles and boats, the term of the loan may be increased by adding 1% to the APR* for every 6 months. Max of 12 months. Max of 72 months.

Motor Homes

ConditionRateTerm
New – 20165.99% APR60 months
Used6.99% APR36 months

Campers

ConditionRateTerm
New5.99% APR
Used6.99% APR

Other Recreational Vehicles (ATV’s, Snowmobiles, Waver runners, Jet Skies)

ConditionRateTerm
New5.99% APR36 months
Used6.99%APR24 months

2nd Mortgage

3.99% APR up to 15 years – can borrow up to 80% of the assessed value of the home.

Signature Loans

9.99% APR 36 months $20,000.00 max (based on 10% of annual gross income)

Share Secured

Share Rate + 3%APR

Certificate Secured

3% APR above the rate of certificate is used as collateral. Rate is charged for length of loan regardless of renewal rate on CD.

**APR = Annual Percentage Rate