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Rates

  • Loans

     

    Loan Rates

    Rates Effective as of: 10-15-2019

    Auto Loans

    Loan TypeTermsAnnual Percentage Rate*
    New & Used AutoUp to 84 months3.49%-18.00%*

    *APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 10-15-2019

    Home Equity Loans

    Loan TypeTermsAnnual Percentage Rate*
    Home EquityUp to 15 years5.00% – 12.50% *
    Home Equity Line of Credit5.00% – 16.00% **

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.
    ** Variable rate based on the Prime Rate as published in the Wall Street Journal.

    Rates Effective as of: 10-15-2019

    Boats & RV’s

    Loan TypeTermsAnnual Percentage Rate*
    Boat & RV (0-3 years)Up to 15 years5.50% – 13.00% *
    Boat & RV (over 3 years)Up to 12 years6.50% – 14.00% *

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 10-15-2019

    Motorcycle Loans

    Loan TypeTermsAnnual Percentage Rate*
    New & Used MotorcycleUp to 84 months4.99%* – 12.49%*

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 10-15-2019

    Mobile Home

    Loan TypeTermsAnnual Percentage Rate*
    New Mobile HomeUp to 15 years15.00%*
    Used Mobile HomeUp to 10 years16.00%*

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 10-15-2019

    Visa Cards

    Loan TypeTermsAnnual Percentage Rate*
    Visa Platinum Point Rewards Credit CardRevolving7.92%*-12.84%*
    Visa Platinum Cash Back Rewards Credit CardRevolving9.96% *- 14.88% *

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 10-15-2019

    Personal Loans

    Loan TypeTermsAnnual Percentage Rate*
    Unsecured LoanUp to 60 months8.75%* – 18.00%*

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 10-15-2019

    Line of Credit

    Loan TypeTermsAnnual Percentage Rate*
    Open-End Line of CreditRevolving13.90%*

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 10-15-2019

    Secured Loans

    Loan TypeTermsAnnual Percentage Rate*
    Savings Secured LoanUp to 60 months4.00%*
    Certificate Secured LoanNot to exceed certificateCertificate rate rounded up + 3.00%***

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.
    ***Floor Rate is 4.00%

    Rates Effective as of: 10-15-2019

    Credit Builder Loans

    Loan TypeTermAnnual Percentage Rate*
    Credit Builder LoanUp to to 36 monthsCertificate rate rounded up + 4.00%*

    * APR=Annual Percentage Rate rage: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 10-15-2019

    Vehicle Products

    Loan TypeTermsAnnual Percentage Rate*
    MBI LoanUp to 36 months8.00%*

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

  • Savings and Checking

     

    Savings and Checking Rates

    Rates Effective as of: 10-15-2019

    Savings Accounts Rates

    Daily BalancesDividend RateAnnual Percentage Yield*
    $5.00 & Up0.10%0.10%

    *APY = Annual Percentage Yield. For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors.

    Rates Effective as of: 10-15-2019

    Rewards Checking Account Rates

    Daily BalancesDividend RateAnnual Percentage Yield*
    $5.00 & Up0.05%0.05%

    *APY = Annual Percentage Yield. For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors.

  • Money Market & IRAs

     

    Money Market & IRA Rates

    Rates Effective as of: 10-15-2019

    Money Market Savings Accounts Rates

    Daily BalancesDividend RateAnnual Percentage Yield*
    $100,000 & Up0.60%0.60%
    $50,000 to $99,999.99 0.50%0.50%
    $20,000 to $49,999.990.40%0.40%
    $5,000 to $19,999.990.30%0.30%

    *APY = Annual Percentage Yield. For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors. Money market Accounts are a tiered variable rate accounts and the rate and APY* are subject to change after account is opened. Must have a balance of $5,000 to open and maintain the account and to obtain the disclosed APY*

    Rates Effective as of: 10-15-2019

    IRA Savings Accounts Rates

    Daily BalancesDividend RateAnnual Percentage Yield*
    $5.00 & Up0.25%0.25%

    *APY = Annual Percentage Yield. For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors. Money market Accounts are a tiered variable rate accounts and the rate and APY* are subject to change after account is opened. Must have a balance of $5,000 to open and maintain the account and to obtain the disclosed APY*

  • Share Certificates

     

    Share Certificate Rates

    Rates Effective as of: 10-15-2019

    Regular Certificates Rates

    Minimum TermMinimum BalanceDividend RateAnnual Percentage Yield (APY)*
    91 Days$2,5000.15%0.15%
    6 Months$1,0000.80%0.81%
    1 Year$1,0001.20%1.21%
    2 Years$1,0002.00%2.02%
    3 Years$1,0002.10% 2.12%
    5 Years$1,0002.40%2.43%

    * APY calculations are based on monthly compounding and crediting of dividends, and assume dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings.

    Rates Effective as of: 10-15-2019

    Jumbo Certificates Rates

    Minimum TermMinimum BalanceDividend RateAnnual Percentage Yield (APY)*
    91 Days$100,0000.25%0.25%
    6 Months$100,0000.90%0.91%
    1 Year$100,0001.30%1.31%
    2 Years$100,0002.10%2.12%
    3 Years$100,0002.20% 2.22%
    5 Years$100,0002.50%2.53%

    * APY calculations are based on monthly compounding and crediting of dividends, and assume dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings.