Current Rates
*Rates Effective as of October 20, 2023.
|
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 |
|
|
1.00% |
1.00% |
Monthly |
$2,500.00 - $24.999.00** |
|
|
1.50% |
1.50% |
Monthly |
$25,000.00 - $49,999.00** |
|
|
1.75% |
1.75% |
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 |
5.05% |
5.15% |
Quarterly |
$1,000.00 |
|
15 Months |
4.50% |
4.58% |
Quarterly |
$1,000.00 |
|
18 Months |
4.10% |
4.16% |
Quarterly |
$1,000.00 |
|
2 Years |
4.00% |
4.06% |
Quarterly |
$1,000.00 |
|
2 1/2 Years |
3.25% |
3.25% |
Quarterly |
$1,000.00 |
|
3 Years |
2.90% |
2.93% |
Quarterly |
$1,000.00 |
|
4 Years |
2.75% |
2.78% |
Quarterly |
$1,000.00 |
|
5 Years |
3.65% |
3.70% |
Quarterly |
$1,000.00 |
|
IRA Term Share Certificates |
|
1 Year |
5.05% |
5.15% |
Quarterly |
$1,000.00 |
|
18 Months |
4.10% |
4.16% |
Quarterly |
$1,000.00 |
|
2 Years |
4.00% |
4.06% |
Quarterly |
$1,000.00 |
|
2 1/2 Years |
3.25% |
3.25% |
Quarterly |
$1,000.00 |
|
3 Years |
2.90% |
2.93% |
Quarterly |
$1,000.00 |
|
4 Years |
2.75% |
2.78% |
Quarterly |
$1,000.00 |
|
5 Years |
3.65% |
3.70% |
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
|
8.000%
8.250%
|
|
|
|
|
|
|
|
|
|
Loan Type |
Limits |
Term |
Security |
Rate |
APR* |
|
Mortgage |
|
House or Condominium |
Up to 80% Financing |
30 yrs. 0 pt. |
Mortgage Note |
7.250% |
7.409% |
|
1-4 Family |
|
30 yrs. 1.75 pt.
|
Mortgage Note
|
|
|
|
Owner Occupied |
|
20 yrs. 0 pt. |
Mortgage Note |
7.125% |
7.330% |
|
|
|
20 yrs. 1.75 pt. |
Mortgage Note |
|
|
|
|
|
15 yrs. 0 pt. |
Mortgage Note |
6.875% |
7.128% |
|
|
|
15 yrs. 1.75 pt. |
Mortgage Note |
|
|
|
|
|
10 yrs. 0 pt. |
Mortgage Note |
6.625% |
6.979% |
|
|
|
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.