Rates you can trust

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

8.25% - 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

–  Credit Card Disclaimer

1st Mortgage

Rates Subject to Change

Product

Rate

Annual Percentage Rate
As Low As

15 Year Fixed Mortgage

2.75%

2.845% APR

10 Year Fixed Mortgage

2.75%

2.889% 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

0.60%

0.60% APY

12 Month Certificate

$1000

0.75%

0.75% APY

24 Month Certificate

$1000

0.90%

0.90% APY

36 Month Certificate

$1000

1.05%

1.06% APY

48 Month Certificate

$1000

1.15%

1.16% APY