Auto
Rates Subject to Change
Product
Term
Annual Percentage Rate
As Low As
Vehicle Loans 72 months or less
72 mos
3.45% - 18% APR
Vehicle Loans 73 thru 84 months
84 mos
3.95% - 18% APR
Vehicle Loans 85 thru 120 months
120 mos
5.95% - 18% APR
Fresh Start Auto Loan
60 mos
5.95% - 18% 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% - 18% APR
Personal Loan
60 mos
8.25% - 18% 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% - 18% APR
1st Mortgage
Rates Subject to Change
Product
Rate
Annual Percentage Rate
As Low As
15 Year Fixed Mortgage
3.125%
3.221% 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
4.00%
4.407% APR
4.50%
4.909% APR
5.00%
5.411% APR
2nd Mortgage 72 to 84 mo
4.25%
4.547% APR
4.75%
5.049% APR
5.25%
5.551% APR
2nd Mortgage 85 to 120 mo
4.50%
4.714% APR
5.00%
5.216% APR
5.50%
5.718% APR
2nd Mortgage 121 to 180 mo
5.00%
5.151% APR
5.50%
5.654% APR
6.00%
6.156% APR
Product
Rate
Annual Percentage Rate
As Low As
HELOC MasterCard
4.00%
4.00% 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)
.15%
.15% APY
Money Market Checking $10,001-$25,000
.15%
.15% APY
Money Market Checking $25,001-$50,000
.25%
.25% APY
Money Market Checking $50,001-$75,000
.35%
.35% APY
Money Market Checking $75,000+
.45%
.45% APY
Certificates and IRA's
Rates Subject to Change
Product
Minimum Deposit
Rate
Annual Percentage Yield
6 Month Certificate (IRA certificate not available)
$1000
0.90%
0.90% APY
12 Month Certificate
$1000
1.05%
1.05% APY
24 Month Certificate
$1000
1.19%
1.20% APY
36 Month Certificate
$1000
1.34%
1.35% APY
48 Month Certificate
$1000
1.44%
1.45% APY