Checking & Savings Rates
Deposit Account Rates
Rates Effective October 1, 2023 - Rates Subject to Change.| Type of Account | Dividend Rates | Annual Percentage Yield (APY) |
|---|---|---|
| Shares | .05% | .05% |
| Regular Checking | .05% | .05% |
| A+ Club Checking | .05% | .05% |
| IRA’s | .20% | .20% |
| Certificate Term ($1000 minimum) | ||
| 60 months | .40% | .40% |
| 48 months | .35% | .35% |
| 36 months | .30% | .30% |
| 24 months | .25% | .25% |
| 18 months | .20% | .20% |
| 12 months | 2.00% | 2.00% |
| 6 months | 2.00% | 2.00% |
| Money Market | ||
| $2,500-$49,000 | .05 % | .05 % |
| $50,000-$99,000 | .10 % | .10 % |
| $100,000+ | .15 % | .15 % |
Rates are available as of dates published. Dividend rate and annual percentage yield are subject to change without prior notice. Fees and withdrawal of dividend transactions on your account will cause a reduction in earnings. APY assumes dividends will remain in account. The minimum balance for Share Certificates is $1,000; IRAs is $250; Money Market Accounts is $2,500. Rates for Share Certificates and Money Market Accounts are tiered based on amount of deposit.
Home Loan Rates
Current Rates
Rates Effective February 13, 2023 - Rates Subject to Change.| Loan | Year | Rate as Low | APR%* |
|---|---|---|---|
| Home Loans** | 10 | 6.125% | 6.526% |
| 15 | 6.375% | 6.662% | |
| 20 | 6.999% | 7.235% | |
| Residential Lot Loans | 5 | 6.75% | 7.345% |
| 10 | 7.25% | 7.576% | |
| 15 | 7.75% | 7.988% | |
| Home Equity Loans | 5 | 4.74% | 5.757% |
| 10 | 5.75% | 6.031% | |
| 15 | 6.25% | 6.452% | |
| 20 | 6.75% | 6.914% | |
| Home Improvement Loans | 5 | 7.50% | 7.514% |
| 10 | 8.00% | 8.008% | |
| 15 | 8.50% | 8.506% |
Note: There are no application fees for real estate loans. Rates are based on qualified credit and term. Rates and terms are subject to change without prior notice; other restrictions may apply. Real estate loans are subject to closing cost fees.
*APR means Annual Percentage Rate. Your final APR may vary based upon customary fees and closing costs which are treatable as interest when calculating your final APR.
**10% down payment will be required.
Lender licensed by the National Mortgage Licensing System under registration number 477589.
Loan Rates
Current Rates
Effective January 1, 2025 - Rates Subject to Change Without Notice| Months | APR%* (LOW) | APR%* (HIGH) |
|
|---|---|---|---|
| New Vehicle | 24 | 4.99% | 12.00% |
| 36 | 4.99% | 12.00% | |
| 48 | 4.99% | 12.00% | |
| 60 | 4.99% | 12.00% | |
| 72 | 4.99% | 12.00% | |
| 75 | 4.99% | 12.00% | |
| 84 | 5.75% | 8.50% | |
| Used Vehicle | 24 | 5.49% | 13.50% |
| 36 | 5.49% | 13.50% | |
| 48 | 5.49% | 13.50% | |
| 60 | 5.49% | 13.50% | |
| 72 | 5.49% | 13.50% | |
| 75 | 5.49% | 13.50% | |
| 84 | 6.50% | 9.25% | |
| 84-Month Rate Term Available On Vehicle Loans Only. (Restrictions Apply) | |||
| Motorcycle | 36 | 6.50% | 11.25% |
| 48 | 6.75% | 11.50% | |
| 60 | 7.00% | 11.75% | |
| 72 | 7.25% | 12.00% | |
| Signature Loans | 12 | 8.00% | 18.00% |
| 24 | 8.50% | 18.00% | |
| 36 | 9.00% | 18.00% | |
| 48 | 11.00% | 18.00% | |
| Share Loan |
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| Member Pledge Share Rate - 3.000% above the dividend rate |
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*APR means Annual Percentage Rate.
Rates are based on qualified credit and term of the loan.
Rates are subject to change without prior notice; other restrictions may apply.
Rates Disclosures
Consumer Loan
The Annual Percentage Rate (APR) of 8.00% is based on loans with up to 12 months of repayment and is subject to credit approval. Your credit rating will determine the specific rate and term. Rates and terms are subject to change without prior notice; other restrictions may apply.
Mortgage Loan
The Annual Percentage Rate (APR) of 6.125% is based on loans with up to 120 months of repayments. When calculating your finance charge, your final APR may vary based on customary fees and closing costs, which are treatable as interest. Rates and terms are subject to change without prior notice; other restrictions may apply. Loan example: $65,000 at 6.125% with terms of 120 months equates to $725.72 principal and interest payments.
Auto Loan
*APR = Annual Percentage Rate (APR) of 4.99% is based on approved credit and terms not to exceed 75 months. Rates and terms are subject to change without prior written notice. Other restrictions apply, such as the age and value of the vehicle. Payment per $1,000 = $15.55.
