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Rates
Savings Rates
Account Type Terms Dividend Rate Annual Percentage Yield (APY)
Share Savings Minimum balance of $5.00 required 0.30% 0.30%
Special Savings No Minimum balance required 0.30% 0.30%
Money Market $1,000.00 Min. balance required to earn stated APY, otherwise share APY will apply .55% .55%
Club Account No Minimum balance required 0.30%

0.30%

IRA Account No Minimum balance required 1.50% 1.51%
6 Month Certificate of Deposit (same rate for IRA Certificate) $1,000.00 Minimum balance required .80% .80%
9 Month Certificate of Deposit $1,000.00 Minimum balance required .80% .80%
12 Month Certificate of Deposit (same rate for IRA Certificate) $1,000.00 Minimum balance required .95% .95%
15 Month Certificate of Deposit $1,000.00 Minimum balance required 1.00% 1.00%
18 Month Certificate of Deposit $1,000.00 Minimum balance required 1.10% 1.11%
24 Month Certificate of Deposit (same rate for IRA Certificate) $1,000.00 Minimum balance required 1.25%

1.26%

Loan Rates
Loan Type Maximum Loan Amount Terms Annual Percentage Rate (APR) Payment Per $1,000
Personal Unsecured Up to $5,000 Maximum Term 3 years Rates as low as 11.25%* $32.87
Personal with co-maker Up to $7,500 Maximum Term 4 years for amount over $5,000 Rates as low as 11.25%* $25.98
Savings Secured Up to $50,000 Maximum Term 5 years 3% above rate on account used as security Varies depending on account used as security
Overdraft Line of Credit Up to $500   15.00% Based on $500 payment $17.33
New Auto Up to $50,000 Maximum Term 6 years

Rates as low as

3.74%*

Payments as low as $15.53
Used Auto Up to $50,000 Maximum Term 5 years / 1 to 3 Yr Old Auto
Maximum Term 4 years / 4 to 7 Yr Old Auto

Rates as low as

4.74%*

Payments as low as $18.76
Tuition Up to $12,000 Maximum Term 7 years 7.50%* $15.35

Recreation Vehicles 

    • Motor Homes -10% Down
    • Campers -10% Down
    • Trailers -10% Down
    • Boats -20% Down
    • ATV's -20% Down
    • Snow Mobile- 20% Down
    • Wave Runner- 20% Down
    • Motorcycle- 10% Down

 

Up to $50,000 Maximum Term 5 Years 7.25%* Payments as low as $19.93
Home Equity Line of Credit 80% LTV or $150,000 Maximum 5 year draw and a 10 year payback Prime $19.68
Home Equity (1-4 unit owner occupied) 80% LTV or $150,000 Maximum 5 year 4.65%* $18.72
7 year 4.90%* $14.10
10 year 5.15%* $10.69
CU must be first mortgagee 15 year 5.65%* $8.26

 *Rate reflects 1/4% off of qualifying rate if paid through payroll deduction or automatic transfer. Offer good through 2010.

       

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