Rates you can trust

Auto

Rates Subject to Change

Product

Term

Annual Percentage Rate
As Low As

Vehicle Loans 72 months or less

72 mos

3.45% APR

Vehicle Loans 73 thru 84 months

84 mos

3.95% APR

Vehicle Loans 85 thru 120 months

120 mos

5.95% APR

Fresh Start Auto Loan

60 mos

5.95% APR

Personal

Rates Subject to Change

Product

Term

Annual Percentage Rate
As Low As

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

60 mos

4.95% APR

Personal Loan

60 mos

8.25% APR

Unsecured Classic MasterCard

N/A

10.99% - 17.99% APR

Unsecured Platinum MasterCard

N/A

8.99% - 15.99% APR

Secured MasterCard

N/A

13.99% APR

Storm Shelter Loan

60 mos

2.75% APR

Credit Builder Loan

12 mos

14.75% APR

Fresh Start Personal Loan

12 mos

10.75% APR

–  Credit Card Disclaimer

1st Mortgage

Rates Subject to Change

Product

Rate

Annual Percentage Rate
As Low As

15 Year Fixed Mortgage

3.25%

3.346% APR

10 Year Fixed Mortgage

3.125%

3.264% 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

4.50%

5.112% APR

5.00%

5.615% APR

5.50%

6.118% APR

2nd Mortgage 72 to 84 mo

4.75%

5.267% APR

5.25%

5.77% APR

5.75%

6.273% APR

2nd Mortgage 85 to 120 mo

5.00%

5.397% APR

5.50%

5.90% APR

6.00%

6.403% APR

2nd Mortgage 121 to 180 mo

5.50%

5.827% APR

6.00%

6.33% APR

6.50%

6.833% APR

Product

Rate

Annual Percentage Rate
As Low As

HELOC MasterCard

5.25%

5.25% APR

Checking and Savings

Rates Subject to Change

Product

Rate

Annual Percentage Yield

Membership Savings

.20%

.20% APY

Club Savings

.20%

.20% APY

IRA Savings

.25%

.25% APY

High Interest Checking - up to $20,000

1.74%

1.75% 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)

.40%

.40% APY

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

.40%

.40% APY

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

.50%

.50% APY

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

.54%

.55% APY

Money Market Checking $75,000+

.69%

.70% APY

Certificates and IRA's

Rates Subject to Change

Product

Minimum Deposit

Rate

Annual Percentage Yield

6 Month Certificate (IRA certificate not available)

$1000

1.29%

1.30% APY

12 Month Certificate

$1000

1.54%

1.55% APY

24 Month Certificate

$1000

1.79%

1.80% APY

36 Month Certificate

$1000

2.23%

2.25% APY

48 Month Certificate

$1000

2.37%

2.40% APY