Auto Loans
Rates Subject to Change
Product
Term
Annual Percentage Rate
As Low As
Vehicle Loans 66 months or less
66 mos
6.45% - 18% APR
Vehicle Loans 67 thru 78 months
78 mos
6.95% - 18% APR
Vehicle Loans 79 thru 90 months
90 mos
7.45% - 18% APR
Vehicle Loans 91 thru 120 months
120 mos
9.45% - 18% APR
Fresh Start Auto Loan
66 mos
12.95% - 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
7.45% - 18% APR
Unsecured Loans
Rates Subject to Change
Product
Term
Annual Percentage Rate
As Low As
Personal Loan
60 mos
8.99% - 18% APR
Storm Shelter Loan
60 mos
2.75% APR
Credit Builder Loan
12 mos
15.49% APR
Fresh Start Personal Loan
12 mos
15.49% - 18% APR
MasterCards
Rates Subject to Change
Product
Term
Annual Percentage Rate
As Low As
Unsecured Classic MasterCard
N/A
12.99% - 17.99% APR
Unsecured Platinum MasterCard
N/A
10.99% - 17.99% APR
Secured MasterCard
N/A
13.99% APR
1st Mortgage
Rates Subject to Change
Product
Rate
Annual Percentage Rate
As Low As
30 Year Fixed Mortgage
6.750%
6.864% APR
20 Year Fixed Mortgage
6.375%
6.522% APR
15 Year Fixed Mortgage
5.875%
6.056% APR
10 Year Fixed Mortgage
5.875%
6.131% 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
6.50%
7.124% APR
7.00%
7.627% APR
7.50%
8.13% APR
2nd Mortgage 72 to 84 mo
6.75%
7.21% APR
7.25%
7.713% APR
7.75%
8.216% APR
2nd Mortgage 85 to 120 mo
7.00%
7.336% APR
7.50%
7.336% APR
8.00%
8.343% APR
2nd Mortgage 121 to 180 mo
7.50%
7.744% APR
8.00%
8.247% APR
8.50%
8.751% APR
Product
Rate
Annual Percentage Rate
As Low As
HELOC MasterCard
7.750%
7.750% 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
1.40%
1.41% APY
12 Month Certificate
$1000
1.50%
1.51% APY
24 Month Certificate
$1000
1.60%
1.61% APY
36 Month Certificate
$1000
1.70%
1.71% APY
48 Month Certificate
$1000
1.80%
1.81% APY
