Auto Loans
Rates Subject to Change
Product
Term
Annual Percentage Rate
As Low As
Vehicle Loans 72 months or less
72 mos
2.95% - 18% APR
Vehicle Loans 73 thru 84 months
84 mos
3.45% - 18% APR
Vehicle Loans 85 thru 120 months
120 mos
5.45% - 18% APR
Fresh Start Auto Loan
60 mos
9.45% - 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.)
60 mos
4.95% - 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
14.75% APR
Fresh Start Personal Loan
12 mos
10.75% - 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
1st Mortgage
Rates Subject to Change
Product
Rate
Annual Percentage Rate
As Low As
15 Year Fixed Mortgage
4.875%
5.051% APR
10 Year Fixed Mortgage
4.875%
5.127% 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
4.25%
4.658% APR
4.75%
5.16% APR
2nd Mortgage 72 to 84 mo
4.25%
4.547% APR
4.50%
4.798% APR
5.00%
5.30% APR
2nd Mortgage 85 to 120 mo
4.50%
4.714% APR
4.75%
4.965% APR
5.25%
5.467% APR
2nd Mortgage 121 to 180 mo
5.00%
5.151% APR
5.25%
5.402% APR
5.75%
5.905% 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
0.60%
0.60% APY
12 Month Certificate
$1000
0.70%
0.70% APY
24 Month Certificate
$1000
0.80%
0.80% APY
36 Month Certificate
$1000
0.90%
0.90% APY
48 Month Certificate
$1000
1.00%
1.00% APY