Current Rates
Loan Rates
New/Used Vehicle Loans
| New Vehicle Rates | APR* | Used Vehicle Rates | APR* |
|---|---|---|---|
| New Car 24 Months | 3.09%*** | Used Car 24 Months | 3.29%*** |
| New Car 36 Months | 3.09%*** | Used Car 36 Months | 3.29%*** |
| New Car 48 Months | 3.09%*** | Used Car 48 Months | 3.29%*** |
| New Car 60 Months | 3.09%*** | Used Car 60 Months | 3.29%*** |
| New Car 72 Months | 4.29% | Used Car 72 Months | 4.49% |
| New Car 84 Months | 4.79% | Used Car 84 Months | 4.99% |
New/Used Motorcycle Loans
| New Motorcycle Rates | APR* | Used Motorcycle Rates | APR* |
|---|---|---|---|
| New Motorcycle 24 Months | 5.95% | Used Motorcycle 24 Months | 6.25% |
| New Motorcycle 36 Months | 6.00% | Used Motorcycle 36 Months | 6.30% |
| New Motorcycle 48 Months | 6.25% | Used Motorcycle 48 Months | 6.55% |
| New Motorcycle 60 Months | 6.50% | Used Motorcycle 60 Months | 6.80% |
| New Motorcycle 72 Months | 6.65% | Used Motorcycle 72 Months | 6.95% |
| New Motorcycle 84 Months | 7.10% | Used Motorcycle 84 Months | 7.40% |
New/Used Boat Loans
| New Boat Rates | APR* | Used Boat Rates | APR* |
|---|---|---|---|
| New Boat/RV 24 Months | 6.45% | Used Boat/RV 24 Months | 6.75% |
| New Boat/RV 36 Months | 6.50% | Used Boat/RV 36 Months | 6.80% |
| New Boat/RV 48 Months | 6.75% | Used Boat/RV 48 Months | 7.05% |
| New Boat/RV 60 Months | 7.00% | Used Boat/RV 60 Months | 7.30% |
| New Boat/RV 72 Months | 7.25% | Used Boat/RV 72 Months | 7.55% |
| New Boat/RV 84 Months | 7.75% | Used Boat/RV 84 Months | 8.05% |
Other Loans
| Other Loan Rates | APR* |
|---|---|
| Share Secured | 3.50% |
| Certificate Secured | 5.25% |
| Unsecured (Special) | 7.85%*** |
| Unsecured | 9.55% |
Share Account Rates
| Deposit Rates | Minimum Balance | Interest Rate | APY** |
|---|---|---|---|
| Checking^ | $50.00 | 0.04% | 0.04% |
| Regular Share Account Savings | $10.00 | 0.12% | 0.12% |
| Christmas Club | $10.00 | 0.30% | 0.30% |
| Vacation Club | $10.00 | 0.30% | 0.30% |
| IRA | $10.00 | 0.50% | 0.50% |
| Regular & IRA Certificates | Minimum Balance | Interest Rate | APY** |
|---|---|---|---|
| 6-Month Term | $500.00 | 0.60% | 0.60% |
| 9-Month Term | $500.00 | 0.70% | 0.70% |
| 12-Month Term | $500.00 | 0.80% | 0.80% |
| 15-Month Term | $500.00 | 1.00% | 1.01% |
| 18-Month Term | $500.00 | 1.04% | 1.05% |
| 24-Month Term | $500.00 | 1.12% | 1.13% |
| 36-Month Term | $500.00 | 1.18% | 1.19% |
| Money Market Deposit † | Amount | Interest Rate | APY** |
|---|---|---|---|
| Money Market up to $9,999.99 | $2,000 - $9,999.99 † | 0.30% | 0.30% |
| Money Market up to $24,999.99 | $10,000 - $24,999.99 † | 0.40% | 0.40% |
| Money Market up to $49,999.99 | $25,000 - $49,999.99 † | 0.55% | 0.55% |
| Money Market up to $99,999.99 | $50,000 - $99,999.99 † | 0.60% | 0.60% |
| Money Market $100,000 + | $100,000 and up† | 0.80% | 0.80% |
Rates effective January 16, 2024.
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.