Current Rates

   *Rates Effective as of  January 24, 2024.

Account Type Dividend Rate APY* Dividend Paid Deposit Amount
Shares
  0.05% 0.05% Quarterly $25.00 - $49,999.00**
  0.10% 0.10% Quarterly $50,000.00 and over**
Checking
  0.01% 0.01% Monthly $100.00  $25.00**
Money Market
  0.75% 0.75% Monthly $2,500.00 - $24.999.00**
  1.35% 1.36% Monthly $25,000.00 - $49,999.00**
  1.60% 1.61% Monthly $50,000.00 and over**
Certificate Type Dividend Rate APY* Dividend Paid Minimum Deposit**
Term Share Certificates
6 Months 3.35% 3.38% At Maturity $1,000.00
1 Year 4.50% 4.58% Quarterly $1,000.00
15 Months 4.20% 4.27% Quarterly $1,000.00
18 Months 3.80% 3.85% Quarterly $1,000.00
2 Years 3.50% 3.55% Quarterly $1,000.00
2 1/2 Years 3.00% 3.03% Quarterly $1,000.00
3 Years 2.75% 2.78% Quarterly $1,000.00
4 Years 2.65% 2.68% Quarterly $1,000.00
5 Years 3.20% 3.24% Quarterly $1,000.00
IRA Term Share Certificates
1 Year 4.50% 4.58% Quarterly $1,000.00
18 Months 3.80% 3.85% Quarterly $1,000.00
2 Years 3.50% 3.55% Quarterly $1,000.00
2 1/2 Years 3.00% 3.03% Quarterly $1,000.00
3 Years 2.75% 2.78% Quarterly $1,000.00
4 Years 2.65% 2.68% Quarterly $1,000.00
5 Years 3.20% 3.24% Quarterly $1,000.00
Share Account
IRA Shares 0.05% 0.05% Quarterly $25.00
Loan Type Limits Term Security Rate
Share Secured
  100% of Shares up to 5 Years Shares 3% over share rate or 5 year treasury rate whichever is higher
Loan Type Limits Term Security Rates Starting From
Personal
  $0 - $10,000 up to 36 Months Own Signature 8.750%
  $10,001 - $20,000 up to 60 Months Co-Maker 8.875%
Home Improvement Loans
  Up to $10,000 up to 60 Months Own Signature 8.875%
New Car, Truck, Van
  100% of Purchase up to 36 Months Title 5.750%
  100% of Purchase up to 48 Months Title 5.875%
  100% of Purchase up to 60 Months Title 6.125%
From $25,000.00 100% of Purchase up to 72 Months Title 6.250%
Used Car, Truck, Van
  90% of NADA Value up to 36 Months Title 5.750%
  90% of NADA Value up to 48 Months Title 5.875%
  90% of NADA Value up to 60 Months Title 6.125%
  90% of NADA Value up to 72 Months Title 6.250%
Vehicle Refinancing
  Available for the remainder of original loan term    
Commercial Vehicles
Used Commercial Vehicles

90% up to $180,000

up to 72 Months Title 7.500%
New Commercial Vehicles 100% up to $200,000

up to 72 Months

Title 7.500%
Commercial Mortgages
  Non owner occupied
(Investment Property, Business Property (Store Front))

10 year Fixed 0 Points

15 Year Fixed 0 Points

 

 7.750%

 7.875%

     
     
Loan Type Limits Term Security Rate APR*
Mortgage
House or Condominium Up to 80% Financing 30 yrs. 0 pt. Mortgage Note 6.875% 7.031%
1-4 Family  

30 yrs. 1.75 pt.

Mortgage Note

   
Owner Occupied   20 yrs. 0 pt. Mortgage Note 6.750% 6.952%
    20 yrs. 1.75 pt. Mortgage Note    
    15 yrs. 0 pt. Mortgage Note 6.375% 6.625%
    15 yrs. 1.75 pt. Mortgage Note    
    10 yrs. 0 pt. Mortgage Note 6.000% 6.349%
    10 yrs. 1.75 pt. Mortgage Note    
Loan Type Limits Term Security Rate APR*
Home Equity Loan     Rates Starting From
  Up to 80% of Equity 5 year Promissory Note 6.000% 6.340%
        Prime Rate - 2.500%
    10 year Promissory Note 6.375% 6.557%
   

 

15 year

 

Promissory Note

Prime Rate - 2.125%

6.875%         7.006%

Prime Rate - 1.625%

Home Equity Line of Credit (HELOC)***
  Up to 80% of Equity
up to $150,000
Term determined by amount borrowed Promissory Note 8.000%
Prime Rate - 0.500%
Commercial Home Equity Line of Credit (HELOC)***
  Up to 70% of Equity
up to $150,000
Term determined by amount borrowed Promissory Note 8.875%
Prime Rate + 0.375%
         

* APR = Annual Percentage Rate

** Minimum Balance to Earn APY

*** Adjustable Rate Mortgage

Our rates are subject to change without notice.

Your loan rate is locked in for 30 days from the date of application.