Auto Loans
Rates Subject to Change
Product
Term
Annual Percentage Rate
As Low As
Vehicle Loans 66 months or less
66 mos
5.95% - 18% APR
Vehicle Loans 67 thru 78 months
78 mos
6.45% - 18% APR
Vehicle Loans 79 thru 90 months
90 mos
6.95% - 18% APR
Vehicle Loans 91 thru 120 months
120 mos
8.95% - 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
6.95% - 18% APR
Unsecured Loans
Rates Subject to Change
Product
Term
Annual Percentage Rate
As Low As
Personal Loan
60 mos
9.99% - 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
1st Mortgage
Rates Subject to Change
Product
Rate
Annual Percentage Rate
As Low As
30 Year Fixed Mortgage
6.250%
6.360% APR
20 Year Fixed Mortgage
5.875%
6.019% APR
15 Year Fixed Mortgage
5.625%
5.805% APR
10 Year Fixed Mortgage
5.625%
5.880% 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
7.750%
7.750% 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
4.550%
4.650% 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
