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  • 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

    3.95% APR

    Vehicle Loans 73 thru 84 months

    84 mos

    4.45% APR

    Vehicle Loans 85 thru 120 months

    120 mos

    6.45% APR

    Fresh Start Auto Loan

    60 mos

    6.45% 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

    Home

    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

    3.25%

    3.39% APR

    Second Mortgage

    4.50%

    5.00% APR

    HELOC MasterCard

    5.625%

    5.625% 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

    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

    Interest Checking

    .15%

    .15% APY

    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

    1.34%

    1.35% APY

    12 Month Certificate

    $1000

    1.59%

    1.60% APY

    24 Month Certificate

    $1000

    1.84%

    1.85% APY

    36 Month Certificate

    $1000

    2.32%

    2.35% APY

    48 Month Certificate

    $1000

    2.57%

    2.60% APY