Rate Watch

Loans

  Approx. Term (In Months) APR**
Signature Loan 12-72 9.45%-18.00%
Signature Loan Payment Example: *A 48 month signature loan with a 9.45% fixed APR would have monthly payments of $25.11 per $1,000 borrowed.
Fuel Loan 12  4.0%
Fuel Loan Payment Example: A 12 month fuel loan with a 4.00% fixed APR would have monthly payments of $85.16 per $1,000 borrowed.
New & Used Vehicles 12 2.50%-12.50%
 (Age of vehicle may not exceed 10 years during the term of the loan) 24 2.50%-13.00%
  36 2.50%-13.75%
  48 2.50%-14.75%
  60 2.50%-15.00%
  72 3.75%-15.25%
  84 4.25%-15.75%
New-Used Auto Loan Payment Example: *A 60 month new-used auto loan with a 2.50% fixed APR would have monthly payments of $17.75 per $1,000 borrowed.
Older Used Vehicles 12 7.95%-15.25%
(Age of vehicle may not exceed 15 years during the term of the loan) 24 7.95%-15.50%
  36 7.95%-16.25%
  48 7.95%-16.50%
Older Used Auto Loan Payment Example: *A 48 month older used auto loan with a 7.95% fixed APR would have monthly payments of $24.40 per $1,000 borrowed.
New Camper $25,000 or > 120 6.24%-11.75%
New Camper Loan Payment Example: *A 120 month new camper loan with a 6.24% fixed APR would have monthly payments of $11.23 per $1,000 borrowed
Used Camper $25,000 or > 120 7.24%-12.25%
Used Camper Loan Payment Example: *A 120 month used camper loan with a 6.99% fixed APR would have monthly payments of $11.74 per $1,000 borrowed.
Shared Secured 48 4.50%
Share Secured Loan 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.
Home Equity Term 15 Years Call for current rate
  10 years Call for current rate
  5 Years Call for current rate
Home Equity Line of Credit Up to 10 Years Variable

Savings & Club Accounts

Type Dividend Rate APY*** Minimum Opening Balance to Obtain APY***
Regular Share .10% .10% $5.00
Christmas Club .10% .10% N/A
Vacation Club .10% .10% N/A

Term Share Certificates (CD)

Term Dividend Rate APY*** Minimum Opening Balance to Obtain APY***
6 Months .20% .20% $1,000
1 Year .25% .25% $1,000
2 Years .50% .50% $1,000
3 Years  .65%  .65% $1,000
4 Years 1.00% 1.00% $1,000
1 Year Student CD **** 2.00% 2.02% Minimum $100 Maximum $250

IRA Traditional and Roth

Term Dividend Rate APY*** Minimum Opening Balance to Obtain APY***
24 Months .50% .50% $1,000
 Accumulation Account – No Term Limit .10% .10% $5.00

*Rates are based on an evaluation of credit history, so your rate may differ.

**APR- Annual Percentage Rate

***APY- Annual percentage yield is accurate as of May 26th 2017. APY is subject to change, and may vary at any time. Fees may reduce earnings.

****Must be a student age 14-22 Minimum deposit $100 Maximum deposit $250.  Limit 1 per student

Early withdrawal penalties may be assessed on Share Certificates, IRA’s, and Club Accounts.