Rates

SHARE ACCOUNTS

Account TypeRate
Basic Share AccountMinimum $25.00 balance – $200.00 and over paying .05% dividend – .05% APY – (includes subaccounts)
Money Market Savings AccountMinimum Balance $5000.00 – Minimum w/d $500.00 Maximum of 3 w/d a month .20%APY dividend up to 99,999.00 over pays .40% APY
IRA AccountsMinimum $25.00 deposit .25% dividend – .25% APY
CertificatesMinimum deposit $1000.00
6 month certificate .20% dividend – .20% APY
12 month certificate
2.00% dividend – 2.01% APY
24 month certificate
.35% dividend – .35% APY

New & Used Cars (Based on Blue Book Values)

Loans

Year ModelRateTerm
New 20235.25% APR
6.25% APR
7.25% APR
60 months
72 months
84 months*
2020 – 20225.50%APR60 months*
2016 – 20196.00% APR48 months*
2013 – 20156.25% APR36 months*
2012 or older10.00% APR24 months*

Vehicles, motorcycles and boats, the term of the loan may be increased by adding 1% to the APR* for every 12 months. 84 months on new cars only.

Motor Homes

ConditionRateTerm
New – 20188.49% APR60 months
Used9.49% APR36 months

Campers

ConditionRateTerm
New8.25% APR60 Months
Used9.25% APR36 Months

Motorcycles

ConditionRateTerm
New – 20235.25% APR60 Months
2019-20227.15% APR60 Months
2015-20188.15% APR48 Months
2012-20149.15% APR36 Months
2011-Older11.25% APR24 Months

Boats

ConditionRateTerm
New – 20237.25% APR60 Months
2019-20227.15% APR60 Months
2015-20188.15% APR48 Months
2012-20149.15% APR36 Months
2011-Older11.25% APR24 Months

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

ConditionRateTerm
New8.15% APR36 months
Used9.15%APR24 months

2nd Mortgage

6.25% APR up to 5 years – 7.25% APR 5 years to 15 years

can borrow up to 80% of the assessed value of the home.

Signature Loans

12.00% 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