Loan Rates
| Type | Term | APR1 |
| New and Used Auto Loan2 | Up to 96 Months | 5.75% – 18.00% |
| Older Used Vehicle Loan3 | Up to 84 Months | 8.75% – 18.00% |
| Classic and Collectible Vehicle Loan4 | Up to 84 Months | 7.164% -17.970% |
| Classic and Collectible Vehicle Loan5 | 120 Months | 6.912% – 17.707% |
| New and Used Camper Loan6 | 120-18013 Months | 8.50% – 14.75% |
| Signature Loan7 | Up to 72 Months | 10.50% – 18.00% |
| Share Secured Loan8 | Up to 180 Months | 4.50% |
| Fuel Loan9 | 12 Months | 4.00% |
| Home Equity Term Loan | Various terms available, please call your local office. | Please call for current rate. |
| Home Equity Line of Credit | Variable | Please call for current rate. |
Deposit Rates
| Type | Dividend Rate | APY10 | Minimum Balance Required to Open Account |
| Share (Savings) | .25% | .25% | $5 |
| Christmas Club11 | .25% | .25% | |
| Vacation Club11 | .25% | .25% | |
| Term Share Certificate11 | Dividend Rate | APY12 | Minimum Balance Required to Open Account |
| 6 Month | 1.25% | 1.26% | $1000 |
| 12 Month | 1.50% | 1.51% | $1000 |
| 24 Month | 2.25% | 2.27% | $1000 |
| 36 Month | 2.50% | 2.52% | $1000 |
| 48 Month | 2.75% | 2.78% | $1000 |
| IRA Traditional & Roth11 | Dividend Rate | APY12 | |
| 24 Month | 2.25% | 2.27% | $1000 |
| IRA Traditional & Roth11 | Dividend Rate | APY10 | |
| Accumulation Account No Term Limit | .25% | .25% |
1. APR – Annual Percentage Rate
Payment example rates are based on an evaluation of credit history so your rate may differ.
2. Payment Example: A 60 month new/used auto loan with a 5.75% fixed APR would have monthly payments of $19.22 per $1,000 borrowed.
3. Payment Example: A 60 month older used vehicle loan with a 8.75% fixed APR would have monthly payments $20.64 per $1,000 borrowed.
4. APR disclosed based on an assumed loan amount of $10,000 and an estimated (non-refundable) appraisal fee of $175 for terms up to 12-84 months. Minimum loan amount $10,000. Maximum loan to value (LTV) is 90% of appraised value. Loan to value is based on creditworthiness, your LTV may vary. Payment Example: A 48 month classic & collectible vehicle loan with a 7.164% fixed APR would have monthly payments of $23.61 per $1,000 borrowed.
5. APR disclosed based on an assumed loan amount of $25,000 and an estimated (non-refundable) appraisal fee of $175 for a term of 120 months. Minimum loan amount of $25,000. Maximum loan to value (LTV) is 90% of appraised value. Loan to value is based on creditworthiness, your LTV may vary. Payment Example: A 120 month classic & collectible vehicle loan with a 6.912% fixed APR would have monthly payments of $11.49 per $1,000 borrowed.
6. Payment Example: A 180 month new/used camper loan with a 9.00% fixed APR would have monthly payments of $10.15 per $1,000 borrowed.
7. Payment Example: A 48 month signature loan with a 10.50% fixed APR would have monthly payments of $25.61 per $1,000 borrowed.
8. Payment Example: A 48 month share secured loan with a 4.50% fixed APR would have monthly payments of $22.81 per $1,000 borrowed.
9. Payment Example: A 12 month fuel loan with a 4.00% fixed APR would have monthly payments of $85.16 per $1,000 borrowed.
10. APY – Annual Percentage Yield. Rates accurate as of October 4, 2023. APY is subject to change, and may vary at any time. Rates may change after account opening. Fees may reduce earnings.
11. Early withdrawal penalties may be assessed on share certificates, IRA’s, and club accounts.
12. APY – Annual Percentage Yield. Rates accurate as of October 4, 2023. APY is subject to change, and may vary at any time. Rates will not change after account opening until the maturity date. Fees may reduce earnings.
13. Minimum loan amount of $25,000 required for 180 month term.
