Savings and Certificates
| Account Type | Rate |
|---|---|
| Basic Share Account | Minimum $25.00 balance – $200.00 and over paying .10% dividend – .10% APY – (includes S1, S2, S4) |
| Money Market Savings Account | Minimum Balance $5000.00 – Minimum w/d $500.00 Maximum of 3 w/d a month .35% dividend – .35% APY |
| IRA Accounts | Minimum $25.00 deposit .30% dividend – .30% APY |
| Certificates | Minimum 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 Model | Rate | Term |
|---|---|---|
| 2019 (new, never titled) | 2.99% APR 3.99% APR | 60 months 72 months |
| 2016 – 2018 | 3.49%APR | 60 months* |
| 2012 – 2015 | 4.50% APR | 48 months* |
| 2009 – 2011 | 5.00% APR | 36 months* |
| 2008 or older | 8.00% APR | 24 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
| Condition | Rate | Term |
|---|---|---|
| New – 2016 | 5.99% APR | 60 months |
| Used | 6.99% APR | 36 months |
Campers
| Condition | Rate | Term |
|---|---|---|
| New | 5.99% APR | |
| Used | 6.99% APR |
Other Recreational Vehicles (ATV’s, Snowmobiles, Waver runners, Jet Skies)
| Condition | Rate | Term |
|---|---|---|
| New | 5.99% APR | 36 months |
| Used | 6.99%APR | 24 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