Rates you can trust

Auto Loans

Rates Subject to Change

Product

Term

Annual Percentage Rate
As Low As

Vehicle Loans 66 months or less

66 mos

4.95% - 18% APR

Vehicle Loans 67 thru 78 months

78 mos

5.45% - 18% APR

Vehicle Loans 79 thru 90 months

90 mos

5.95% - 18% APR

Vehicle Loans 91 thru 120 months

120 mos

7.95% - 18% APR

Fresh Start Auto Loan

66 mos

11.45% - 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

5.95% - 18% APR

Unsecured Loans

Rates Subject to Change

Product

Term

Annual Percentage Rate
As Low As

Personal Loan

60 mos

5.99% - 18% APR

Storm Shelter Loan

60 mos

2.75% APR

Credit Builder Loan

12 mos

12.49% APR

Fresh Start Personal Loan

12 mos

12.49% - 18% APR

MasterCards

Rates Subject to Change

Product

Term

Annual Percentage Rate
As Low As

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

–  Credit Card Disclaimer

1st Mortgage

Rates Subject to Change

Product

Rate

Annual Percentage Rate
As Low As

15 Year Fixed Mortgage

6.000%

6.182% APR

10 Year Fixed Mortgage

6.000%

6.257% 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

5.50%

6.118% APR

6.00%

6.621% APR

6.50%

7.124% APR

2nd Mortgage 72 to 84 mo

5.75%

6.273% APR

6.25%

6.776% APR

6.75%

7.279% APR

2nd Mortgage 85 to 120 mo

6.00%

6.330% APR

6.50%

6.833% APR

7.00%

7.336% APR

2nd Mortgage 121 to 180 mo

6.50%

6.737% APR

7.00%

7.240% APR

7.50%

7.744% APR

Product

Rate

Annual Percentage Rate
As Low As

HELOC MasterCard

6.625%

6.625% 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)

.25%

.25% APY

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

.25%

.25% APY

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

.35%

.35% APY

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

.45%

.45% APY

Money Market Checking $75,000+

.55%

.55% APY

Certificates and IRA's

Rates Subject to Change

Product

Minimum Deposit

Rate

Annual Percentage Yield

6 Month Certificate (IRA certificate not available)

$1000

0.80%

0.80% APY

12 Month Certificate

$1000

0.90%

0.90% APY

24 Month Certificate

$1000

1.00%

1.00% APY

36 Month Certificate

$1000

1.09%

1.10% APY

48 Month Certificate

$1000

1.19%

1.20% APY