Rates you can trust

Auto Loans

Rates Subject to Change

Product

Term

Annual Percentage Rate
As Low As

Vehicle Loans 66 months or less

66 mos

6.45% - 18% APR

Vehicle Loans 67 thru 78 months

78 mos

6.95% - 18% APR

Vehicle Loans 79 thru 90 months

90 mos

7.45% - 18% APR

Vehicle Loans 91 thru 120 months

120 mos

9.45% - 18% APR

Fresh Start Auto Loan

66 mos

12.95% - 18% APR

Other Collateral Loans

Rates Subject to Change

Product

Term

Annual Percentage Rate
As Low As

Other Collateral Loans (Boats, Motorcycles, RVs, Farm Equipment, Trailers, etc.)

66 mos

7.45% - 18% APR

Unsecured Loans

Rates Subject to Change

Product

Term

Annual Percentage Rate
As Low As

Personal Loan

60 mos

8.99% - 18% APR

Storm Shelter Loan

60 mos

2.75% APR

Credit Builder Loan

12 mos

15.49% APR

Fresh Start Personal Loan

12 mos

15.49% - 18% APR

MasterCards

Rates Subject to Change

Product

Term

Annual Percentage Rate
As Low As

Unsecured Classic MasterCard

N/A

12.99% - 17.99% APR

Unsecured Platinum MasterCard

N/A

10.99% - 17.99% APR

Secured MasterCard

N/A

13.99% APR

–  Credit Card Disclaimer

1st Mortgage

Rates Subject to Change

Product

Rate

Annual Percentage Rate
As Low As

30 Year Fixed Mortgage

7.000%

7.115% APR

20 Year Fixed Mortgage

6.875%

7.02% APR

15 Year Fixed Mortgage

6.750%

6.936% APR

10 Year Fixed Mortgage

6.375%

6.634% APR

2nd Mortgages

Rates Subject to Change

Product

LTV 0 - 80

Rate

APR

LTV 81 - 90

Rate

APR

LTV 91 - 95

Rate

APR

2nd Mortgage 60 to 71 mo

7.00%

7.413% APR

7.50%

7.915% APR

8.00%

8.417% APR

2nd Mortgage 72 to 84 mo

7.25%

7.610% APR

7.75%

8.113% APR

8.25%

8.615% APR

2nd Mortgage 85 to 120 mo

7.50%

7.764% APR

8.00%

8.267% APR

8.50%

8.770% APR

2nd Mortgage 121 to 180 mo

8.00%

8.193% APR

8.50%

8.695% APR

9.00%

9.198% APR

Product

Rate

Annual Percentage Rate
As Low As

HELOC MasterCard

8.500%

8.500% APR

Checking and Savings

Rates Subject to Change

Product

Rate

Annual Percentage Yield

Membership Savings

.15%

.15% APY

Club Savings

.15%

.15% APY

IRA Savings

.15%

.15% APY

High Interest Checking - up to $20,000

1.24%

1.25% APY

High Interest Checking - over $20,000*

.15%

.15% APY

*High Interest Checking – Requirements to earn this rate include a min $400 direct deposit, 12 monthly debit card transactions, and online banking/e-statements.

Money Market

Rates Subject to Change

Product

Rate

Annual Percentage Yield

Money Market Checking $2,500-$10,000 ($2,500 minimum balance required to open)

.500%

.500% APY

Money Market Checking $10,001-$25,000

.500%

.500% APY

Money Market Checking $25,001-$50,000

.600%

.600% APY

Money Market Checking $50,001-$75,000

.700%

.700% APY

Money Market Checking $75,000+

.800%

.800% APY

Certificates and IRA's

Rates Subject to Change

Product

Minimum Deposit

Rate

Annual Percentage Yield

6 Month Certificate (IRA certificate not available)

$1000

4.360%

4.450% APY

12 Month Certificate

$1000

4.270%

4.350% APY

24 Month Certificate

$1000

3.010%

3.050% APY

36 Month Certificate

$1000

3.110%

3.150% APY

48 Month Certificate

$1000

3.110%

3.150% APY