Current Rates

*Rates Effective as of March 17th, 2020.

Account Type	Dividend Rate	APY*	Dividend Paid	Deposit Amount
Shares
	0.10%	0.10%	Quarterly	$25.00 - $49,999.00**
	0.15%	0.15%	Quarterly	$50,000.00 and over**
Checking
	0.05%	0.05%	Monthly	$100.00 $25.00**
Money Market
	0.25%	0.25%	Monthly	$2,500.00 - $24.999.00**
	0.40%	0.40%	Monthly	$25,000.00 - $49,999.00**
	0.65%	0.65%	Monthly	$50,000.00 and over**

Certificate Type	Dividend Rate	APY*	Dividend Paid	Minimum Deposit**
Term Share Certificates
6 Months	0.85%	0.85%	At Maturity	$1,000.00
1 Year	1.15%	1.16%	Quarterly	$1,000.00
18 Months	1.20%	1.21%	Quarterly	$1,000.00
2 Years	1.25%	1.26%	Quarterly	$1,000.00
2 1/2 Years	1.30%	1.31%	Quarterly	$1,000.00
3 Years	1.40%	1.41%	Quarterly	$1,000.00
4 Years	1.50%	1.51%	Quarterly	$1,000.00
5 Years	1.75%	1.76%	Quarterly	$1,000.00
IRA Term Share Certificates
1 Year	1.15%	1.16%	Quarterly	$1,000.00
18 Months	1.20%	1.21%	Quarterly	$1,000.00
2 Years	1.25%	1.26%	Quarterly	$1,000.00
2 1/2 Years	1.30%	1.31%	Quarterly	$1,000.00
3 Years	1.40%	1.41%	Quarterly	$1,000.00
4 Years	1.50%	1.51%	Quarterly	$1,000.00
5 Years	1.75%	1.76%	Quarterly	$1,000.00
Share Account
IRA Shares	0.30%	0.30%	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	7.125%
	$10,001 - $20,000	up to 60 Months	Co-Maker	7.250%
Home Improvement Loans
	Up to $10,000	up to 60 Months	Own Signature	6.000%
New Car, Truck, Van
	100% of Purchase	up to 36 Months	Title	3.000%
	100% of Purchase	up to 48 Months	Title	3.250%
	100% of Purchase	up to 60 Months	Title	3.500%
From $25,000.00	100% of Purchase	up to 72 Months	Title	3.750%
Used Car, Truck, Van
	90% of NADA Value	up to 36 Months	Title	3.000%
	90% of NADA Value	up to 48 Months	Title	3.250%
	90% of NADA Value	up to 60 Months	Title	3.500%
	90% of NADA Value	up to 72 Months	Title	3.750%
Vehicle Refinancing
	Available for the remainder of original loan term
Commercial Vehicles
Used Commercial Vehicles	90% up to $120,000	up to 72 Months	Title	5.250%
New Commercial Vehicles	100% up to $165,000
Commercial Mortgages
	Non owner occupied (Investment Property, Business Property (Store Front)) 10 year Fixed 0 Points 15 Year Fixed 0 Points			4.500% 4.750%

Loan Type	Limits	Term	Security	Rate	APR*
Home Equity Loan				Rates Starting From
	Up to 80% of Equity	5 year	Promissory Note	3.500%	3.749%
				Prime Rate + 0.250%
		10 year	Promissory Note	3.750%	3.880%
		15 year	Promissory Note	Prime Rate + 0.500% 4.000% 4.090% Prime Rate + 0.750%
Home Equity Line of Credit (HELOC)***
	Up to 80% of Equity up to $150,000	Term determined by amount borrowed	Promissory Note	4.375% Prime Rate + 1.125%
Commercial Home Equity Line of Credit (HELOC)***
	Up to 70% of Equity up to $150,000	Term determined by amount borrowed	Promissory Note	5.125% Prime Rate + 1.875%

* 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.