Rates as of January 1, 2022
SHARE ACCOUNT |
BALANCE |
RATE |
APY |
REGULAR SHARE |
$5.00 and above |
0.05% |
0.05% |
MY SAVINGS |
$5.00 and above |
0.05% |
0.05% |
MONEY MARKET |
$100,000.00 and above __________ $3,000.00 to $99,999.99 __________ $0.01 to $2,999.99 |
0.20% __________ 0.10% __________ 0.05% |
0.20% __________ 0.10% __________ 0.05% |
SHARE DRAFT / CHECKING |
N/A |
0.00% |
0.00% |
CHRISTMAS CLUB |
$5.00 and above |
0.05% |
0.05% |
IRA ACCOUNT |
N/A |
0.30% |
0.30% |
MAX MONEY* |
Up to $500.00 ___________ Over $500.00 |
5.84% ___________ 0.10% |
6.00% ___________ 0.10% |
* For children under 18 years old
SHARE CERTIFICATE RATES
TERM OF CERTFICATE |
BALANCE |
RATE |
APY |
6 MONTHS |
Min $1,000.00 |
0.40% |
0.40% |
12 MONTHS |
Min $1,000.00 |
0.50% |
0.50% |
24 MONTHS |
Min $1,000.00 |
0.60% |
0.60% |
36 MONTHS* |
Min $1,000.00 |
0.70% |
0.70% |
48 MONTHS |
Min $1,000.00 |
0.85% |
0.85% |
60 MONTHS |
Min $1,000.00 |
0.95% |
0.95% |
* 36 month share certificate has one-time option to bump up to higher interest rate. All yields quoted are subject to change without notice. Penalty for early withdrawal of certificates: 90 days dividend. The penalty could be more than the dividends and therefore come from the principal of the certificate.
IRA CERTIFICATE RATES
TERM OF CERTFICATE |
BALANCE |
RATE |
APY |
12 MONTHS |
Min $1,000.00 |
0.55% |
0.55% |
24 MONTHS |
Min $1,000.00 |
0.65% |
0.65% |
36 MONTHS* |
Min $1,000.00 |
0.75% |
0.75% |
48 MONTHS |
Min $1,000.00 |
0.90% |
0.90% |
60 MONTHS |
Min $1,000.00 |
1.00% |
1.00% |
* 36 month IRA certificate has one-time option to bump up to higher interest rate. All yields quoted are subject to change without notice. Penalty for early withdrawal of certificates: 90 days dividend. The penalty could be more than the dividends and therefore come from the principal of the certificate.
LOAN RATES
Rates quoted are subject to change without notice.
Rates quoted are subject to change without notice.
AUTO LOAN RATES |
TERM |
APR |
NEW AND USED AUTO LOANS 2013-2022 |
84 months __________ 60 - 83 months ____________ 36 - 59 months __________ up to 35 months |
3.99% to 16.99% __________ 3.49% to 16.49% _____________ 2.99% to 15.99% __________ 2.49% to 15.49% |
EXTENDED YEAR MODELS: 2011-2012 |
36 months |
6.95% to 17.95% |
MOTORCYCLES AND ATVs |
TERM |
APR |
2019-2022 |
84 months __________ 60 - 83 months __________ 36 - 59 months __________ Up to 35 months |
3.99% to 16.99% __________ 3.49% to 16.49% __________ 2.99% to 15.99% __________ 2.49% to 15.49% |
MOTOR HOMES, TRAVEL TRAILERS, BOATS |
TERM |
APR |
2016-2022 |
84 months __________ 60 - 83 months __________ 36 - 59 months __________ Up to 35 months |
3.99% to 16.99% __________ 3.49% to 16.49% __________ 2.99% to 15.99% __________ 2.49% to 15.49% |
OTHER LOANS |
TERM |
APR |
CREDIT CARD |
max $15,000.00 |
7.90% to 16.90% |
LINE OF CREDIT |
max $15,000.00 |
6.95% to 17.95% |
HELPING HAND |
$2,500.00 |
18.00% |
"PAL II" |
$2,000.00 |
28.00% |
COMPUTER |
36 months, max $5,000.00 |
6.95% to 17.95% |
SHARE SECURED |
up to 30 months ___________________ 31 to 60 months ____________________ 61 to 120 months |
4.00% ___________________ 5.00% ____________________ 6.00% |
SHARE CERTIFICATE |
2.00% over CD rate, min 6.00% |
-- |
CREDIT BUILDER LOAN |
$1,200.00 |
12.00% |
ANYTIME LOAN |
$2,000.00 |
16.00% |
REAL ESTATE |
ANNUAL PERCENTAGE RATE (APR) |
HOME EQUITY LOC |
3.25% l Prime Variable |
SECOND MORTGAGE, 5 YRS |
5.00% - 6.00% l Fixed |
SECOND MORTGAGE, 10 YEARS |
6.00% - 7.00% l Fixed |
LOAN TO VALUE |
90% |
FIRST MORTGAGE, 5 YEARS |
3.00% |
FIRST MORTGAGE, 10 YEARS |
3.50% |
FIRST MORTGAGE, 15 YEARS |
3.75% |
30/5 YEAR BALLOON |
3.25% |
30/15 YEAR BALLOON |
4.00% |
LAND LOANS |
7.00% to 8.00% |
Minimum $30,000.00 for loans financed for 72 months and above.
Certain fees and conditions may apply to the real estate loan types. For complete details, call 901.680.7995.
Certain fees and conditions may apply to the real estate loan types. For complete details, call 901.680.7995.
