Rates

Mortgage rates are not displayed on our website. Rates adjust daily and are based any many factors, contact our home lending team or start an application to connect with the experts that will find the right solution for you.

Vehicle Loan Rates 2 Apply Now

Loan Type 36 Months – APR as low as1 48 Months – APR as low as1 60 Months – APR as low as1
New and Used Auto 4.15% 4.15% 4.15%
New and Used Motorcycles/Snowmobiles 5.50% 6.00% 6.50
Loan Type 36 Months – APR as low as1 48 Months – APR as low as1 60-144 Months – APR as low as1
New and Used RVs/Boats 4.50% 4.50% 4.50%

Personal Loan Rates 2 Apply Now

Loan Type APR as low as1
VISA Credit Card 7.90%
Unsecured 8.00%
Personal Line of Credit 7.9%
Payday Alternative Loan 28.00%
Certificate Secured 2.00% above certificate rate
Share Secured 3.00% above share rate
Loan Type 60 Months – APR as low as1 144 Months – APR as low as1 180 Months – APR as low as1
Home Energy Unsecured Loans10 4.50% 4.50% 5.50%

Checking Rates

Account Type Dividend Rate APY3
Basic Checking (S2) 0.05% 0.05%
Traditional (S8) 0.05% 0.05%
Classic (S4) 0.05% 0.05%
Business Checking (S18) 0.02% 0.02%
Business Checking (S20) 0.02% 0.02%
Account Type Balance Dividend Rate APY3
Premium Checking (S15)
($1500 Minimum)9

Less than $2,500 0.15% 0.15%
$2,500-$4,999 0.15% 0.15%
$5,000-$9,999 0.15% 0.15%
$10,000-$24,999 0.15% 0.15%
$25,000-$49,999 0.15% 0.15%
Balances over $50,000 do not earn a dividend. $50,000+ 0.00% 0.00%

Savings Rates

Account Type Deposit Amount Dividend Rate APY3
Basic Share7 $5+ 0.05% 0.05%
V.I.P. Share Savings7
($250 max. dep/mo)6
Dividends earned on portion of balance
$5-2500 0.15% 0.15%
$2500+ 0.05% 0.05%
Regular Money Market
($1500 Minimum)5
Dividends earned on entire balance
Less Than $2500 0.00% 0.00%
$2,500-$4,999 0.15% 0.15%
$5,000-$9,999 0.15% 0.15%
$10,000-$24,999 0.15% 0.15%
$25,000-$49,999 0.15% 0.15%
$50,000-$74,999 0.15% 0.15%
$75,000-$99,999 0.15% 0.15%
$100,000-$249,999 0.15% 0.15%
$250,000+ 0.15% 0.15%
IRA Share Savings 0.10% 0.10%
(HSA) Health Savings Account (S23) To $499 0.00% 0.00%
$500-999 0.00% 0.00%
$1,000-4,999 0.05% 0.05%
$5,000 0.05% 0.05%
Savvy Saver Program7 Basic Share rates Basic Share rates
Financial Freedom Program7 Basic Share rates Basic Share rates
MyMoney Program7 Basic Share rates Basic Share rates

Certificate Rates

Account Type Term Dividend Rate APY3 Info11
Regular Certificate4 6 months 0.05% 0.05% approx .45 rate bump w/any active draft
12 months 0.25% 0.25% approx .50 rate bump w/any active draft
24 month 0.50% 0.50% approx .50 rate bump w/any active draft
60 month 1.00% 1.00% approx .50 rate bump w/any active draft
10 month special8 1.29% 1.30% approx .50 rate bump w/any active draft
27 month special8 1.74% 1.75% approx .50 rate bump w/any active draft
IRA Certificates5 12 months 0.25% 0.25% approx .50 rate bump w/any active draft
24 months 0.50% 0.50% approx .50 rate bump w/any active draft
36 months 0.70% 0.70% approx .50 rate bump w/any active draft
60 months 0.90% 0.90% approx .50 rate bump w/any active draft
SmartSaver Certificate up to 18 years 4.89% 5.00 for children 0-18, education required, limit one per child


1
APR = Annual Percentage Rate
2 All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions.
3 APY = Annual Percentage Yield
4 $500 Minimum Balance
5 $5 Monthly fee if balance is below minimum
6 Minimum 6 month term
7$5 Minimum Balance
8Members will be allowed up to $250,000 in total Special Certificates.
9 $5 monthly fee if balance is below minimum
10$200 origination fee, 4.93% APR1 for $10,000, 10-year loan. Contact us for more information.
11Active Draft – minimum 1 deposit and 5 withdrawal transactions per month.

All rates on this page subject to change at the discretion of the Board of Directors