Rates as of January 1, 2020
SHARE ACCOUNT |
BALANCE |
RATE |
APY |
REGULAR SHARE |
$5.00 and above |
0.10% |
0.10% |
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 |
0.50% __________ 0.40% __________ 0.20% |
0.50% __________ 0.40% __________ 0.20% |
SHARE DRAFT / CHECKING |
N/A |
0.00% |
0.00% |
CHRISTMAS CLUB |
$5.00 and above |
0.10% |
0.10% |
IRA ACCOUNT |
N/A |
1.05% |
1.05% |
MAX MONEY* |
Up to $500.00 ___________ Over $500.00 |
5.84% ___________ 0.40% |
6.00% ___________ 0.40% |
* For children under 18 years old
SHARE CERTIFICATE RATES
TERM OF CERTFICATE |
BALANCE |
RATE |
APY |
6 MONTHS |
Min $1,000.00 |
0.85% |
0.85% |
12 MONTHS |
Min $1,000.00 |
1.10% |
1.10% |
24 MONTHS |
Min $1,000.00 |
1.20% |
1.20% |
36 MONTHS* |
Min $1,000.00 |
1.60% |
1.60% |
48 MONTHS |
Min $1,000.00 |
1.90% |
1.90% |
60 MONTHS |
Min $1,000.00 |
2.10% |
2.10% |
* 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 |
1.15% |
1.15% |
24 MONTHS |
Min $1,000.00 |
1.25% |
1.25% |
36 MONTHS* |
Min $1,000.00 |
1.65% |
1.65% |
48 MONTHS |
Min $1,000.00 |
1.95% |
1.95% |
60 MONTHS |
Min $1,000.00 |
2.15% |
2.15% |
* 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 AUTO LOAN FOR CURRENT YEAR |
84 months, min $20,000.00 __________ 72 months, min $20,000.00 ____________ 60 months __________ 48 months ____________ 36 months |
3.99% to 15.99% __________ 3.75% to 15.75% _____________ 3.49% to 15.49% __________ 2.99% to 14.99% ____________ 1.99% to 13.99% |
USED AUTO LOAN: 2016-2020 |
Up to 60 months |
3.99% to 16.99% |
USED AUTO LOAN: 2013-2015 |
Up to 48 months |
3.49% to 16.49% |
USED AUTO LOAN: 2011-2012 |
Up to 36 months |
4.49% to 17.49% |
EXTENDED YEAR MODELS: 2009-2010 |
36 months |
8.90% - 17.90% |
MOTORCYCLES AND ATVs |
TERM |
APR |
NEW |
Up to 60 months |
4.49% to 16.49% |
USED 2017-2020 |
Up to 60 months |
4.99% to 17.99% |
MOTOR HOMES, TRAVEL TRAILERS, BOATS |
TERM |
APR |
NEW |
60 months ___________________ 84 months, min $20,000.00 |
4.49% to 16.49% ___________________ 5.49% to 17.49% |
USED 2014-2020 |
Up to 60 months, min $5,000.00 |
4.99% to 17.99% |
OTHER LOANS |
TERM |
APR |
CREDIT CARD |
max $15,000.00 |
7.90% to 16.90% |
LINE OF CREDIT |
max $15,000.00 |
8.90% to 17.90% |
HELPING HAND |
$1,500.00 |
18.00% |
"PAL" |
$1,000.00 |
28.00% |
COMPUTER |
36 months, max $5,000.00 |
8.90% to 17.90% |
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% |
REAL ESTATE |
ANNUAL PERCENTAGE RATE (APR) |
HOME EQUITY LOC |
4.75% 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 |
3.50% |
FIRST MORTGAGE, 10 YEARS |
4.00% |
FIRST MORTGAGE, 15 YEARS |
4.25% |
30/5 YEAR BALLOON |
3.75% |
30/15 YEAR BALLOON |
4.50% |
LAND LOANS |
7.00% to 8.00% |
Certain fees and conditions may apply to the real estate loan types. For complete details, call 901.680.7995.
