Rates
Promotional Loan Rates*
Type |
Term |
Rate |
Payment |
|---|---|---|---|
| NEW Autos ** $50,000 Minimum | 36 Months 48 Months 60 Months 72 Months **84 Months |
4.00% 4.25% 4.50% 4.75% 5.00% |
$29.53 $22.70 $18.65 $15.99 $14.14 |
| 2020 - 2024 Used Autos |
36 Months 48 Months 60 Months 72 Months |
4.25% 4.50% 4.75% 5.00% |
$29.64 $22.81 $18.76 $16.11 |
| 2016 - 2019 Used Autos |
36 Months 48 Months |
5.30% 5.55% |
$30.11 $23.28 |
| 2015 or Older Used Autos |
36 Months |
5.75% |
$30.31 |
*Promotional rates apply to Purchases and refinances from other financial only
Rates are effective 3/1/2025 through 3/31/2025.
Loan Rates
Type |
Term |
Rate |
Payment |
|
|---|---|---|---|---|
| New Auto or Recreational Vehicle *$50,000 minimum required for 84 month term |
36 Months | 5.00% | $29.98 | |
| 48 Months | 5.25% | $23.15 | ||
| 60 Months | 5.50% | $19.11 | ||
| 72 Months | 5.75% | $16.46 | ||
| 84 Months* | 6.00% | $14.61 | ||
| 2020 - 2024 Used Auto or Recreational Vehicle | 36 Months | 5.25% | $30.09 | |
| 48 Months | 5.50% | $23.26 | ||
| 60 Months | 5.75% | $19.22 | ||
| 72 Months | 6.00% | $16.58 | ||
| 2020 or Newer Boat & RV **$50,000 minimum required |
10 Years | 6.30% | $11.26 | |
| 2016 - 2019 Used Auto or Recreational Vehicle | 36 Months | 6.30% | $30.56 | |
| 48 Months | 6.55% | $23.74 | ||
| All Other Used Vehicle or Secured Personal Loans | 36 Months | 6.75% | $30.77 | |
| Personal Loans (Unsecured) | $1000 - $3000 | 12.00% | ||
| Under $1000 | 15.00% | N/A | ||
| Visa Classic Credit Card | 13.90% | |||
| Visa Loyalty Rewards Credit Card | 17.99% | |||
| Vacant Land Loans (Purchase or Refinance) ***Balloons note amortized up to 10 years |
3-year note** | 5.35% | ||
| 5-year note** | 5.40% | |||
| 7-year note | 5.45% | |||
| 10-year note | 5.50% | |||
| 1st Mortgage Residential Real Estate Loans ****Balloons note amortized up to 25 years |
5 year note*** | 4.75% | ||
| 7-year note*** | 5.00% | |||
| (Limitations may apply) | 15-year note*** | 5.25% | ||
Rates effective 2/1/2025.
Dividend Rates
Share Accounts
Type |
APY** |
Minimum Deposit to Open |
|---|---|---|
| Membership Share Savings | 0.35% | $5.00 |
| Sub Share Savings | 0.35% | No minimum deposit |
| Share Draft Checking | 0.10% | No minimum deposit |
Interest is calculated on daily balance and paid quarterly.
Rates effective 12/1/2022.
Share Certificates
Type |
APY** |
Rate |
Minimum Deposit to Open |
|---|---|---|---|
| 3-Month, 6-Month, 9 Month Share Certificate | 2.40% | 2.40% | $1,000.00 |
| 12-Month Share Certificate** | 2.45% | 2.45% | $1,000.00 |
| 24-Month Share Certificate | 2.70% | 2.70% | $1,000.00 |
| 36-Month Share Certificate | 2.80% | 2.80% | $1,000.00 |
| 48-Month Share Certificate | 2.90% | 2.90% | $1,000.00 |
> Interest for Share Certificates is calculated on the daily balance and paid quarterly.
Rates effective 5/8/2023.
IRA Certificates
Type |
APY** |
Rate |
Minimum Deposit to Open |
|---|---|---|---|
| 12-Month Share Certificate** | 2.45% | 2.45% | N/A |
| 24-Month Share Certificate | 2.70% | 2.70% | N/A |
| 36-Month Share Certificate | 2.80% | 2.80% | N/A |
| 48-Month Share Certificate | 2.90% | 2.90% | N/A |
Rates effective 5/8/2023.