Auto Loans
Rates Subject to Change
Product
Term
Annual Percentage Rate
As Low As
Vehicle Loans 66 months or less
66 mos
4.45% - 18% APR
Vehicle Loans 67 thru 78 months
78 mos
4.95% - 18% APR
Vehicle Loans 79 thru 90 months
90 mos
5.45% - 18% APR
Vehicle Loans 91 thru 120 months
120 mos
7.45% - 18% APR
Fresh Start Auto Loan
66 mos
12.45% - 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
6.45% - 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
16.49% APR
Fresh Start Personal Loan
12 mos
16.49% - 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
5.750%
5.887% APR
20 Year Fixed Mortgage
5.375%
5.556% APR
15 Year Fixed Mortgage
5.250%
5.478% APR
10 Year Fixed Mortgage
5.125%
5.450% 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
5.490%
6.011% APR
5.990%
6.514% APR
6.490%
7.017% APR
2nd Mortgage 72 to 84 mo
5.740%
6.194% APR
6.240%
6.696% APR
6.740%
7.199% APR
2nd Mortgage 85 to 120 mo
5.990%
6.320% APR
6.490%
6.823% APR
6.990%
7.326% APR
2nd Mortgage 121 to 180 mo
6.490%
6.727% APR
6.990%
7.230% APR
7.490%
7.734% APR
Product
Rate
Annual Percentage Rate
As Low As
HELOC MasterCard
6.750%
6.750% 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
3.200%
3.250% APY
12 Month Certificate
$1000
3.780%
3.850% APY
24 Month Certificate
$1000
2.956%
3.000% APY
36 Month Certificate
$1000
2.810%
2.850% APY
48 Month Certificate
$1000
2.810%
2.850% APY
