Current Rates

   *Rates Effective as of December 15th.

Account Type Dividend Rate APY* Dividend Paid Deposit Amount
Shares
  0.08% 0.08% 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
  0.20% 0.20% Monthly $2,500.00 - $24.999.00**
  0.25% 0.25% Monthly $25,000.00 - $49,999.00**
  0.30% 0.30% Monthly $50,000.00 and over**
Certificate Type Dividend Rate APY* Dividend Paid Minimum Deposit**
Term Share Certificates
6 Months 0.60% 0.60% At Maturity $1,000.00
1 Year 0.85% 0.85% Quarterly $1,000.00
18 Months 1.00% 1.00% Quarterly $1,000.00
2 Years 1.20% 1.21% Quarterly $1,000.00
2 1/2 Years 1.35% 1.36% Quarterly $1,000.00
3 Years 1.45% 1.46% Quarterly $1,000.00
4 Years 1.75% 1.76% Quarterly $1,000.00
5 Years 1.95% 1.96% Quarterly $1,000.00
IRA Term Share Certificates
1 Year 0.85% 0.85% Quarterly $1,000.00
18 Months 1.00% 1.00% Quarterly $1,000.00
2 Years 1.20% 1.21% Quarterly $1,000.00
2 1/2 Years 1.35% 1.36% Quarterly $1,000.00
3 Years 1.45% 1.46% Quarterly $1,000.00
4 Years 1.75% 1.76% Quarterly $1,000.00
5 Years 1.95% 1.96% 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 7.250%
  $10,001 - $20,000 up to 60 Months Co-Maker 7.500%
Home Improvement Loans
  Up to $10,000 up to 60 Months Own Signature 6.250%
New Car, Truck, Van
  100% of Purchase up to 36 Months Title 2.000%
  100% of Purchase up to 48 Months Title 2.375%
  100% of Purchase up to 60 Months Title 3.000%
From $25,000.00 100% of Purchase up to 72 Months Title 3.125%
Used Car, Truck, Van
  90% of NADA Value up to 36 Months Title 2.000%
  90% of NADA Value up to 48 Months Title 2.375%
  90% of NADA Value up to 60 Months Title 3.000%
  90% of NADA Value up to 72 Months Title 3.125%
Vehicle Refinancing
  Available for the remainder of original loan term    
Commercial Vehicles
Used Commercial Vehicles

90% up to $100,000

up to 72 Months Title 6.000%
New Commercial Vehicles 90% up to $150,000      
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*
Mortgage
House or Condominium Up to 80% Financing 30 yrs. 0 pt. Mortgage Note 3.875% 3.931%
1-4 Family   30 yrs. 1.75 pt. Mortgage Note 3.375% 3.572%
Owner Occupied   20 yrs. 0 pt. Mortgage Note 3.500% 3.577%
    20 yrs. 1.75 pt. Mortgage Note 3.125% 3.398%
    15 yrs. 0 pt. Mortgage Note 3.140% 3.238%
    15 yrs. 1.75 pt. Mortgage Note 2.750% 3.099%
    10 yrs. 0 pt. Mortgage Note 3.000% 3.141%
    10 yrs. 1.75 pt. Mortgage Note 2.625% 3.131%
Loan Type Limits Term Security Rate APR*
Home Equity Loan     Rates Starting From
  Up to 80% of Equity 5 year Promissory Note 3.300% 3.569%
        Prime Rate - .70%
    10 year Promissory Note 3.750% 3.893%
   

 

15 year

 

Promissory Note

Prime Rate - .25

4.250            4.351

Prime Rate +.25

Home Equity Line of Credit (HELOC)***
  Up to 80% of Equity
up to $150,000
Term determined by amount borrowed Promissory Note 4.50%
Prime Rate
Commercial Home Equity Line of Credit (HELOC)***
  Up to 70% of Equity
up to $150,000
Term determined by amount borrowed Promissory Note 5.000%
Prime Rate + 0.750%

* 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.