General Disclaimer

*APR is Annual Percentage Rate. All loans are subject to credit approval. Rates and terms are subject to change without notice. Additional discounts may apply. Loan approval and rate are subject to credit score, vehicle value, and other factors.

Savings Rates

Account Type Rate APY**
Regular Share Savings 0.05% 0.05%
Christmas Club 0.05% 0.05%
Vacation Club 0.05% 0.05%
$100.00 minimum to receive dividends on share accounts

Money Market

Tier Minimum Balance Rate
Money Market Fund - Tier 1 $1,000.00 0.75%
Money Market Fund - Tier 2 $25,000.00 1.00%
Money Market Fund - Tier 3 $50,000.00 1.25%
Money Market Fund - Tier 4 $75,000.00 1.50%
Money Market Fund - Tier 5 $150,000.00 4.30%

Loan Rates

Vehicles*

Year APR* (as low as) Term
2022-2024 6.99% 00 - 48 months
7.29% 49 - 60 months
7.59% 61 - 72 months
8.19% 73 - 84 months
2019-2021 7.29% 00 - 48 months
7.59% 49 - 60months
7.89% 61 - 72 months
8.49% 73 - 84 months
2017-2018 7.69% 00 - 48 months
7.99% 49 - 60months
2015-2016 8.19% 00 - 36 months
8.49% 37 - 48months

Motorcycles, Boats and RVs*

Year APR* (as low as) Term
2020-2023 9.24% 00 - 60 months
9.84% 61 - 72 months
10.84% 73 - 84 months
11.84% 85 - 120 months
2014-2019 10.24% 00 - 60 months
10.84% 61 - 72 months
11.84% 73 - 84 months
12.84% 85 - 120 months

Home Equity*

Type APR* (as low as) Term
Home Equity Loan 6.50% 60 - 120 months
6.75% 121 - 180 months

Home Equity Line of Credit (HELOC)**

Type APR* (as low as) Term
Introductory Rate 1.99% First six months
Variable Open

Better Choice Loan^

APR* Term
28.00% 00 - 6 months

Signature*

APR* Term
10.99% 00 - 12 months
11.49% 13 - 24 months
11.99% 25 - 36 months
12.99% 37 - 48 months
14.49% 49 - 60 months
17.49% 61 - 72 months

Share Secured Loan

APR* Term
Savings APY Rate + 3.00% 00 - 60 months

CD Secured Loan

APR* Term
Certificate APY Rate + 3.00% 00 - 36 months

*Rates shown "as low as" with your final rate being based on credit-worthiness. Rates subject to change. Additional discounts may apply. Credit approval required. See loan representative for details.
^ $200 Minimum / $1,000 Maximum. $20 Application Fee. See us for additional details.
**APR = Annual Percentage Rate. Rate discount is based on a six month fixed term with a $10,000 limit at 80% loan-to-value. The introductory rate of 1.99% will be locked in for six months from closing date. After six months, the APR will be indexed to the Prime Rate plus rate adjusted for score and lien position. The index used to determine the APR will be the Prime Rate found in the Money Rates Section of the Wall Street Journal published on the first working day of the month. The APR will then be adjusted on the first of the following month. Minimum credit limit is $10,000. Rates effective as of August 1, 2023, unless otherwise specified. Other rates and terms are available. All rates are subject to change without notice. All loan approvals are subject to normal underwriting procedures. Loan must be secured by primary residence, which must be owner-occupied.

Certificate Rates

Certificate Descriptions

Certificates Minimum Penalty
7 Month (Special) $1,000.00 90 days dividend
3 Month $1,000.00 30 days dividend
6 Month (Jumbo) $50,000.00 30 days dividend
6 Month $1,000.00 90 days dividend
12 Month $1,000.00 90 days dividend
24 Month $1,000.00 30 days dividend
30 Month $1,000.00 90 days dividend
36 Month $1,000.00 90 days dividend
48 Month $1,000.00 90 days dividend
60 Month $1,000.00 90 days dividend

Certificate Rates

Certificates Minimum APR* APY**
7 Month (Special) $1,000.00 5.05% 5.15%
3 Month $1,000.00 0.35% 0.35%
6 Month (Jumbo) $50,000.00 0.80% 0.80%
6 Month $1,000.00 0.75% 0.75%
12 Month $1,000.00 0.80% 0.80%
24 Month $1,000.00 0.90% 0.90%
30 Month $1,000.00 0.95% 0.95%
36 Month $1,000.00 0.95% 0.95%
48 Month $1,000.00 1.00% 1.00%
60 Month $1,000.00 1.05% 1.05%