Current Rates/APY* effective as of January 1, 2016

Savings Accounts

Account TypeMinimum BalanceDividend RateAPY*
Savings Account$250.000.10%0.10%
Unlimited Auxiliary Saving$2500.10%0.10%
Limited Auxiliary Savings$1000.10%0.10%
Individual Retirement Accounts (IRAs)$250.000.25%0.25%

*Annual Percentage Yield

Checking Accounts

Account TypeMinimum BalanceDividend RateAPY*
DIRECT Checking$0.000.10%0.10%
Complete Business Checking$0.000.10%0.10%

*Annual Percentage Yield

Money Market Accounts

Minimum BalanceDividend RateAPY*

*Annual Percentage Yield

Share Certificates

Certificate LengthTierDividend RateAPY*
12 Months$1,000 - $49,999.990.35%0.35%
$50,000 +0.35%0.35%
24 Months$1,000 - $49,999.990.63%0.63%
$50,000 +0.63%0.63%
36 Months$1,000 - $49,999.990.83%0.83%
$50,000 +0.83%0.83%
48 Months$1,000 - $49,999.991.03%1.04%
$50,000 +1.03%1.04%
60 Months$1,000 - $49,999.991.23%1.24%
$50,000 +1.23%1.24%

*Annual Percentage Yield

Unsecured Loans

TermAPR** (as low as)
24 months 5.95%
48 months 7.95%
72 months9.95%

**Annual Percentage Rate

New/Used Auto Loans

TermAPR** (as low as)
24 Months1.24%
36 Months1.49%
48 Months1.74%
60 Months1.99%
72 Months2.24%
84 Months2.49%

**Annual Percentage Rate

Boat & Recreational Vehicle Loans

TermAPR** (as low as)
24 Months3.24%
36 Months3.49%
48 Months3.74%
60 Months3.99%
72 Months4.24%
84 Months4.49%

**Annual Percentage Rate

Longer terms are available. Ask us for a rate quote.

Personal Line of Credit

Annual FeeNone
Late PaymentUp to $20.00
Cash Advance Feenone
(the $2 overdraft protection transfer fee does apply)
Min. Credit Line$500
Max. Credit Line$30,000
APR* (as low as/variable rate)6.50%

* Annual Percentage Rate

Minimum payment is 5% of the month-end balance with a minimum of $50

Visa Credit Cards

TermsVISA Platinum/Perks
Annual FeeNone
Grace Period*25 days
Late PaymentUp to $20.00
Cash Advance Fee$0
Min. Limit$500
Max. Limit$30,000
Reward Programyes
APR** for Purchases (as low as/variable rate)7.00%
Cash Advance APR** (as low as/variable rate)9.00%

*There is no grace period for cash advances or on balance transfers.

**Annual Percentage Rate

Home Equity Line of Credit (variable rate)

LengthLTVAPR** (as low as)
10* Years80.00%3.50%

*10 Year Draw/Maturity

**Annual Percentage Rate

Home Equity Loans

LengthLTVAPR** (as low as)
10 Years70.00%3.75%
10 Years85.00%4.75%

**Annual Percentage Rate

Loan Disclaimer:

Loans are granted on approval of credit. Interest rates are based on credit rating and your rate may be different. Rates quoted assumes discount for automated payments via payroll deduction or transfer. No other discounts apply. Rate is based on term, age of collateral, and loan to value. Variable rate products subject to rate change after account is opened. Rates are subject to change at anytime. All loan rates are based on Annual Percentage Rate (APR). Equity Take Outs: We will finance up to 80% of NADA Retail Value.

Savings & Investment Disclaimer:

Rates are subject to change at anytime. All deposit rates are based on Annual Percentage Yield (APY). Fees may reduce earnings. Penalties may be imposed if funds are withdrawn prior to maturity date.