RATE SCHEDULE
SAVINGS
Share Savings
| Balance | Annual Percentage Yield | |
| $500 - $999.99 | 0.01% | |
| $1,000 - $2,999.99 | 0.03% | |
| $3,000.00 and up | 0.05% |
Share Certificates
| Term | Annual Percentage Yield | |
| Under $50,000.00 (Dividends Paid at Maturity) | 6 months | 0.60% |
| 12 months | 0.70% | |
| 24 months | 0.80% | |
| 36 months | 0.90% | |
| 48 months | 1.00% | |
| 60 months | 1.10% | |
| $50,000.00 & up (Dividends Paid Monthly) | 6 months | 0.70% |
| 12 months | 0.80% | |
| 24 months | 0.90% | |
| 36 months | 1.00% | |
| 48 months | 1.10% | |
| 60 months | 1.20% | |
Youth Share Certificates
| Term | Annual Percentage Yield | |
| Under $10,000 | 12 Months | .70% + Youth Bonus |
IRAs
| Minimum Balance | Annual Percentage Yield | |
| Traditional | $5 | 0.50% |
| Roth | $5 | 0.50% |
Coverdell ESA
| Annual Percentage Yield | ||
| 0.50% | ||
Club Accounts
| Annual Percentage Yield | ||
| 0.05% | ||
CHECKING
| Balance | Annual Percentage Yield | |
| Basic Checking | 0.03% | |
| Extras Checking | 0.03% | |
| Money Market | Balance | Annual Percentage Yield |
| $5,000 - $9,999.99 | 0.10% | |
| $10,000 - $24,999.99 | 0.10% | |
| $25,000 - $49,999.99 | 0.20% | |
| $50,000 - $99,999.99 | 0.25% | |
| $100,000 or more | 0.50% |
LOANS
Auto Loans
| NEW Auto Loan Rates | ||
| Term | Rates as low as: | |
| Up to 36 months | 1.99% APR | |
| 37 - 60 months | 2.49% APR | |
| 61 - 72 months | 2.99% APR | |
| 73 - 84 months | 3.49% APR | |
| USED Auto Loan Rates | ||
| Term | Rates as low as: | |
| Up to 36 months | 2.99% APR | |
| 37 - 60 months | 3.49% APR | |
| 61 - 72 months | 4.49% APR | |
| 73 - 84 months | 5.49% APR | |
Credit Cards
| Type | APR | |
| VISA® Classic | 8.90% - 18.00% | |
| VISA® Classic Secured | 6.50% | |
| Premier VISA® | Based on Prime as low as 7.25% APR |
Personal Loans
| Type | APR | |
| Line of Credit | 7.99% and up | |
| Signature Loan | 7.99% and up | |
| 12-12-12 Specialty Loan | 12.00% | |
| Freedom Loan | 18.00% |
Home Equity Line of Credit
| Term | APR | |
| Up to 15 years | (Prime + 0%) - (Prime +1%) |
Home Equity Loans
| Term | APR | |
| Up to 15 years | 3.25% - 5.25% |
RV/Plane/Boat/Motorcycle Loans
| Term | Rates as low as: | |
| 24 - 60 months | 7.29% APR | |
| 61 - 72 months | 8.29% APR | |
| 73 - 84 months | 9.29% APR |
Land Loans
| Term | APR | |
| 10 years | 7.25% | |
| For information on 1st Mortgage Rates, please click here. |
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Lot Loans
| Term | APR | |
| 2 years | (Prime) - (Prime + 2%) | |
| 5 years | (Prime + 1%) - (Prime + 3%) |