Current Rates

   *Rates Effective as of  February 17, 2022.

Account Type Dividend Rate APY* Dividend Paid Deposit Amount
Shares
  0.03% 0.03% Quarterly $25.00 - $49,999.00**
  0.05% 0.05% Quarterly $50,000.00 and over**
Checking
  0.01% 0.01% Monthly $100.00  $25.00**
Money Market
  0.07% 0.07% Monthly $2,500.00 - $24.999.00**
  0.09% 0.09% Monthly $25,000.00 - $49,999.00**
  0.11% 0.11% Monthly $50,000.00 and over**
Certificate Type Dividend Rate APY* Dividend Paid Minimum Deposit**
Term Share Certificates
6 Months 0.25% 0.25% At Maturity $1,000.00
1 Year 0.35% 0.35% Quarterly $1,000.00
18 Months 0.45% 0.45% Quarterly $1,000.00
2 Years 0.50% 0.50% Quarterly $1,000.00
2 1/2 Years 0.60% 0.60% Quarterly $1,000.00
3 Years 0.75% 0.75% Quarterly $1,000.00
4 Years 0.90% 0.90% Quarterly $1,000.00
5 Years 1.00% 1.00% Quarterly $1,000.00
IRA Term Share Certificates
1 Year 0.35% 0.35% Quarterly $1,000.00
18 Months 0.45% 0.45% Quarterly $1,000.00
2 Years 0.50% 0.50% Quarterly $1,000.00
2 1/2 Years 0.60% 0.60% Quarterly $1,000.00
3 Years 0.75% 0.75% Quarterly $1,000.00
4 Years 0.90% 0.90% Quarterly $1,000.00
5 Years 1.00% 1.00% 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 7.75%
  $10,001 - $20,000 up to 60 Months Co-Maker 8.125%
Home Improvement Loans
  Up to $10,000 up to 60 Months Own Signature 6.125%
New Car, Truck, Van
  100% of Purchase up to 36 Months Title 2.875%
  100% of Purchase up to 48 Months Title 2.950%
  100% of Purchase up to 60 Months Title 3.250%
From $25,000.00 100% of Purchase up to 72 Months Title 3.375%
Used Car, Truck, Van
  90% of NADA Value up to 36 Months Title 2.875%
  90% of NADA Value up to 48 Months Title 2.950%
  90% of NADA Value up to 60 Months Title 3.250%
  90% of NADA Value up to 72 Months Title 3.375%
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 6.000%
New Commercial Vehicles 100% up to $200,000

up to 72 Months

Title 6.000%
Commercial Mortgages
  Non owner occupied
(Investment Property, Business Property (Store Front))

10 year Fixed 0 Points

15 Year Fixed 0 Points

 

 4.875%

 5.375%

     
     
Loan Type Limits Term Security Rate APR*
Mortgage
House or Condominium Up to 80% Financing 30 yrs. 0 pt. Mortgage Note 4.875% 5.013%
1-4 Family  

30 yrs. 1.75 pt.

Mortgage Note

   
Owner Occupied   20 yrs. 0 pt. Mortgage Note 4.750% 4.937%
    20 yrs. 1.75 pt. Mortgage Note    
    15 yrs. 0 pt. Mortgage Note 4.375% 4.611%
    15 yrs. 1.75 pt. Mortgage Note    
    10 yrs. 0 pt. Mortgage Note 3.875% 4.211%
    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 3.500% 3.832%
        Prime Rate + 0.000%
    10 year Promissory Note 3.625% 3.798%
   

 

15 year

 

Promissory Note

Prime Rate + 0.125%

4.000%         4.121%

Prime Rate + 0.500%

Home Equity Line of Credit (HELOC)***
  Up to 80% of Equity
up to $150,000
Term determined by amount borrowed Promissory Note 3.500%
Prime Rate + 0.000%
Commercial Home Equity Line of Credit (HELOC)***
  Up to 70% of Equity
up to $150,000
Term determined by amount borrowed Promissory Note 4.500%
Prime Rate + 1.000%

* 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.