accounts

Current Rates

Deposit Rates Minimum Balance Interest Rate APY**
Checking^ $50.00 0.05% 0.05%
Regular Share Account Savings $10.00 0.15% 0.15%
Christmas Club $10.00 0.37% 0.37%
Vacation Club $10.00 0.37% 0.37%
IRA $10.00 0.63% 0.63%
Regular & IRA Certificates Minimum Balance Interest Rate APY**
6 Month Term 500.00 0.75% 0.75%
9 Month Term 500.00 0.88% 0.88%
12 Month Term 500.00 1.00% 1.01%
15 Month Term 500.00 1.25% 1.26%
18 Month Term 500.00 1.30% 1.31%
24 Month Term 500.00 1.40% 1.41%
36 Month Term 500.00 1.48% 1.48%
Money Market Deposit Amount Interest Rate APY**
Money Market up to $9,999.99 $2,000 - $9,999.99 0.37% 0.37%
Money Market up to $24,999.99 $10,000 - $24,999.99 0.50% 0.50%
Money Market up to $49,999.99 $25,000 - $49,999.99 0.63% 0.63%
Money Market up to $99,999.99 $50,000 - $99,999.99 0.75% 0.75%
Money Market $100,000 + $100,000 and up 1.00% 1.01%
Vehicle Rates APR*   APR*
New Car 24 Months 2.09%*** New Motorcycle 24 Months 4.95%
New Car 36 Months 2.09%*** New Motorcycle 36 Months 5.00%
New Car 48 Months 2.09%*** New Motorcycle 48 Months 5.25%
New Car 60 Months 2.09%*** New Motorcycle 60 Months 5.50%
New Car 72 Months 3.29% New Motorcycle 72 Months 5.65%
New Car 84 Months 3.79% New Motorcycle 84 Months 6.10%
Used Car 24 Months 2.99%*** Used Motorcycle 24 Months 5.25%
Used Car 36 Months 2.99%*** Used Motorcycle 36 Months 5.30%
Used Car 48 Months 2.99%*** Used Motorcycle 48 Months 5.55%
Used Car 60 Months 2.99%*** Used Motorcycle 60 Months 5.80%
Used Car 72 Months 3.49% Used Motorcycle 72 Months 5.95%
Used Car 84 Months 3.99% Used Motorcycle 84 Months 6.40%
New Boat/RV 24 Months 5.45% Used Boat/RV 24 Months 5.75%
New Boat/RV 36 Months 5.50% Used Boat/RV 36 Months 5.80%
New Boat/RV 48 Months 5.75% Used Boat/RV 48 Months 6.05%
New Boat/RV 60 Months 6.00% Used Boat/RV 60 Months 6.30%
New Boat/RV 72 Months 6.25% Used Boat/RV 72 Months 6.55%
New Boat/RV 84 Months 6.75% Used Boat/RV 84 Months 7.05%
Other Loan Rates APR*    
Share Secured 3.50%    
Certificate Secured 5.25%    
Unsecured 6.85%***    

Rates effective May 1, 2020.

Fees early withdrawal penalties, or other conditions may reduce earnings on an account and minimum deposit must be maintained to earn interest.

^If balance goes below $50.00, a $9.00 Share Draft fee will be charged.

Quoted interest rates, annual percentage rate (APR)*, and annual percentage yield (APY)** are subject to change daily at the discretion of the Board of Directors. Rates indicated are the lowest rates. APR may vary based on creditworthiness.

*** Rates as low as; promotional rates with direct deposit of $100.00(min), a checking account and Debit Card.

† Minimum Balance required.