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Current Rates

Effective: 05/17/17


Loan Rates

 

Visa Rates

Card Type APR
Classic

12.90%

Gold - cash back

10.90%

Platinum - rewards

9.90%

Cars, Trucks, Vans, RVs, Motorcycles, and Boats

 

Motorcycles, Snowmobiles, ATVs, and Jet Skis may be financed for an additional 1.00% to the published rate.

Campers, RVs, Horse Trailers, and Boats may be financed for an additional .50% to the published rate.

Ask about financing older trucks and SUVs.

Term (Months) APR (Fixed)

New 2016 to 2017
For a $10,000 new 2016 to 2017 vehicle loan for a term of 36 months with a 2.25% APR, the monthly payment will be $287.50.

36 2.25%

New 2016 to 2017
For a $10,000 new 2016 to 2017 vehicle loan for a term of 48 months with a 2.50% APR, the monthly payment will be $219.13.

48 2.50%

New 2016 to 2017
For a $10,000 new 2016 to 2017 vehicle loan for a term of 60 months with a 2.75% APR, the monthly payment will be $178.57.

60 2.75%

New 2016 to 2017
For a $10,000 new 2016 to 2017 vehicle loan for a term of 72 months with a 3.50% APR, the monthly payment will be $154.18.

72 3.50%
Used 2016 to 2017
For a $10,000 used 2016 to 2017 vehicle loan for a term of 36 months with a 2.25% APR, the monthly payment will be $287.54.
36 2.25%
Used 2016 to 2017
For a $10,000 used 2016 to 2017 vehicle loan for a term of 60 months with a 2.75% APR, the monthly payment will be $178.60.
60 2.75%
Used 2012 to 2015
For a $10,000 used 2012 to 2015 vehicle loan for a term of 60 months with a 3.00% APR, the monthly payment will be $179.68.
60 3.00%
Used 2007 to 2011
For a $10,000 used 2007 to 2011 car loan for a term of 36 months with a 3.00% APR, the monthly payment will be $290.84.
36 3.00%
Vintage
For a $10,000 used vintage vehicle loan for a term of 36 months with a 8.000% APR, the monthly payment will be $313.39.
36 8.00%

Personal Loans

  Term (Months) APR (Fixed)
For a $5,000 personal loan for a term of 12 months
with a 5.99% APR, the monthly payment will be $430.22.
12 5.99%
For a $5,000 personal loan for a term of 24 months
with a 6.99% APR, the monthly payment will be $223.78.
24 6.99%
For a $5,000 personal loan for a term of 60 months
with a 8.99% APR, the monthly payment will be $103.80.
25 to 60 8.99%

Share Covered

Term (Months) APR (Fixed)
up to 60 3% over interest rate on security instrument 

MyLine - Personal Line of Credit+

Up to a 5 Year Draw  |  Minimum Line - $5,000/Max. $20,000  | Open-Ended/Variable

Term APR (Variable)
Line of Credit 5.00%

+PLOC is prime plus 1% or floor 5%. Rates subject to change without prior notice.

All consumer loan rates stated are as low as base rate shown. The actual consumer loan rate will depend on credit score. Consumer Loans receive 0.25% off for Direct Deposit.

First Mortgages

Close-Ended/Fixed Rate  |  (Purchase Money or Refinance)  |  Origination Fee of $500.00 is required.
75% LTV  With Cash Back  | Taxes and insurance not included, your actual payment obligation may be higher

Term (Years) Fixed Rate
5 years

For an $80,000 fixed rate First Mortgage with 75% LTV with cash back for a term of 60 months with 3.500%, the monthly principal and interest payment will be $1,455.34 with an APR of 3.753%.

3.500%
10 years

For an $80,000 fixed rate First Mortgage with 75% LTV with cash back for a term of 120 months with 3.500%, the monthly principal and interest payment will be $791.09 with an APR of 3.632%.

3.500%
15 years

For an $80,000 fixed rate First Mortgage with 75% LTV with cash back for a term of 180 months with a 3.500%, the monthly principal and interest payment will be $571.91 with an APR of 3.591%.

3.500%
20 years

For an $80,000 fixed rate First Mortgage with 75% LTV with cash back for a term of 240 months with 4.000%, the monthly principal and interest payment will be $484.78 with an APR of 4.072%.

4.000%
30 years

For an $80,000 fixed rate First Mortgage with 75% LTV with cash back for a term of 360 months with 4.250%, the monthly principal and interest payment will be $393.55 with an APR of 4.302%.

4.250%

First Mortgages

Close-Ended/Fixed Rate  | (Purchase Money or Refinance)  | Origination Fee of $500.00 is required.
80% LTV  With No Cash Back  | Taxes and insurance not included, your actual payment obligation may be higher

Term (Years) Fixed Rate
5 years

For an $80,000 fixed rate First Mortgage with 80% LTV with no cash back for a term of 60 months with 3.500%, the monthly principal and interest payment will be $1,455.34 with an APR of 3.753%.

3.500%
10 years

For an $80,000 fixed rate First Mortgage with 80% LTV with no cash back for a term of 120 months with 3.500%, the monthly principal and interest payment will be $791.09 with an APR of 3.632%.

3.500%
15 years

For an $80,000 fixed rate First Mortgage with 80% LTV with no cash back for a term of 180 months with 3.500%, the monthly principal and interest payment will be $571.91 with an APR of 3.591%.

3.500%
20 years

For an $80,000 fixed rate First Mortgage with 80% LTV with no cash back for a term of 240 months with 4.000%, the monthly principal and interest payment will be $484.78 with an APR of 4.072%.

4.000%
30 years

 For a $80,000 fixed rate First Mortgage with 80% LTV with no cash back for a term of 360 months with 4.250%, the monthly principal and interest payment will be $393.55 with an APR of 4.302%.

4.250%

 

Home Equity Line of Credit*

Up to a 10 Year Draw  |  Minimum Line - $5,000/Max. 90% LTV  | Open-Ended/Variable

Term (Years) APR (Variable)
Line of Credit 5.000%

 

Equity Loan / Second Mortgage

Close-Ended/Fixed Rate

LTV Term (Years) Fixed Rate
To 75% LTV
$5,000 minimum
5 years

For a $20,000 fixed rate Equity Loan with 75% LTV with cash back for a term of 60 months with 4.500%, the monthly principal and interest payment will be $372.86 with an APR of 4.500%.

4.500%
10 years

For a $20,000 fixed rate Equity Loan with 75% LTV with cash back for a term of 120 months with 4.500%, the monthly principal and interest payment will be $207.28 with an APR of 4.500%.

4.500%
15 years

For a $20,000 fixed rate Equity Loan with 75% LTV with cash back for a term of 180 months with 4.500%, the monthly principal and interest payment will be $153.00 with an APR of 4.500%.

4.500%
76% to 90% LTV
$5,000 minimum
5 years

For a $20,000 fixed rate Equity Loan with 76% to 90% LTV with cash back for a term of 60 months with 4.500%, the monthly principal and interest payment will be $372.86 with and APR of 4.500%.

4.500%
10 years

For a $20,000 fixed rate Equity Loan with 76% to 90% LTV with cash back for a term of 120 months with 4.750%, the monthly principal and interest payment will be $209.70 with an APR of 4.750%.

4.750%
15 years

For a $20,000 fixed rate Equity Loan with 76% to 90% LTV with cash back for a term of 180 months with 4.750%, the monthly principal and interest payment will be $155.57 with an APR of 4.750%.

4.750%

*HELOC is prime plus 1%, 18% ceiling, no floor. Rates subject to change without prior notice.


Deposit Rates

**APY= Annual Percentage Yield.
Rates subject to change without prior notice

Savings

Term Structure: Open Term

Savings Type Dividend (Rate) APY**
 Share Savings 0.05% 0.05%

Checking

Checking Dividend (Rate) APY**
Peace of Mind Plus
(Requires $1,000 minimum balance)
0.05% 0.05%
Peace of Mind 0.00% 0.00%
E-ssential 0.00% 0.00%

Certificates

Term Structure: Set Term
Rate Type: Fixed Rate

Term Dividend (Rate) APY** Min. Balance
Required ($500 min. balance for
members under 18)

6 month

0.15%

0.15%

$1,000

1 year 0.25% 0.25% $1,000
2 year 0.65% 0.65% $1,000
3 year 1.14% 1.15% $1,000
4 year 1.49%  1.50% $1,000
5 year 1.79%  1.80% $1,000

Certificates receive 0.25% increase for Direct Deposit.

Money Market

Term Structure: Open Term
Rate Type: Rate subject to change without prior notice

Tier Dividend (Rate) APY**

$2,500 to $24,999

0.15%

0.15%

$25,000 to $49,999 0.20% 0.20%
balances over $50,000 0.25% 0.25%

Roth IRA and Traditional IRA 

Term Structure: Open Term
Rate Type: Rate subject to change without prior notice

Tier Dividend (Rate) APY** Min. Balance
Required

IRA Certificate

0.10%

0.10%

$50

 

IRA Certificates (Traditional, Roth, Educational, SEP Shares)

Term Structure: Set Term
Rate Type: Fixed Rate

Term Dividend (Rate) APY** Min. Balance
Required

6 month

0.15%

0.15%

$1,000

1 year 0.25% 0.25% $1,000
2 year 0.65% 0.65% $1,000
3 year 1.14% 1.15% $1,000
4 year 1.49% 1.50% $1,000
5 year 1.79% 1.80% $1,000
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