| Share/Savings Accounts | ||
| Rates are determined by the Board of Directors at the end of each quarter. The listed rate is the rate posted last quarter and is not a guarantee of the rate to be posted at the end of the current quarter. | ||
| Dividends are posted March 31, June 30, September 30, December 31APY = Annual percentage yield | ||
| RATES EFFECTIVE April 2025
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| Regular Shares | .05% Div. Rate | .05% APY |
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| Budget | .05% Div. Rate | .05% APY |
| Summer Pay | .05% Div. Rate | .05% APY |
| Christmas Club | .05% Div. Rate | .05% APY |
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| Share Certificate Accounts | ||
| RATES EFFECTIVE 08/11/2023
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| 6 month | 3.0% Div. Rate | 3.0% APY |
| 12 month | 3.0% Div. Rate | 3.0% APY |
| Share Draft Accounts | ||
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| Share Drafts | 0.00% Div. Rate | 0.00% APY |
| Dividends not paid on this type of account | ||
| Loan Accounts | |||||
| The interest rate, corresponding APR, and term will be based on credit worthiness, loan to value, vehicle age, and amount financed. | |||||
| Loan Origination Fees tier as follow: Up to $500.00 $60.00 $501.00 – $600.00 $72.00 $601.00 – $700.00 $84.00 $701.00 – $800.00 $96.00 $801.00 – $900.00 $108.00 $901.00 – $1,000.00 $120.00 $1001.00 and up $125.00 |
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| *All loans excluding PAL and Share Secured are subject to a $125 Loan Origination Fee. Fee can be paid up front or factored into the loan.
*All loans excluding PAL and Share Secured require a $10 Loan Application Fee before the Loan can be worked. |
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| Signature Loans | Rate as low as 9.00% | ||||
| ****Maximum unsecured loan $7,000 /48 months maximum term | |||||
| Payday Alternative Loans
No credit check No Loan origination fee $20.00 Loan application fee $200.00 – $1,000.00 with a Maximum term of 6 months Rate 24.00% Please contact us for more information |
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| Share Secured | Rate 3.00% | ||||
| Fully secured by shares on deposit | |||||
| NO Loan origination fees on a share secured loan | |||||
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| New Car Loans 2023 – current (up to 84 mo. term) | Rates as low as 5.00% | ||||
| Used Car Loans 2022 and below (up to 84 mo. term) | Rates as low as 6.50% | ||||
| Used Car Loans, OLDER than 10 years ( term 48 mo.) Can only finance 80% of JD Power book value | Rates as low as 6.50% | ||||
| Reconstructed Vehicle Titles (can only finance 80% of JD Power book value (up to 72 mo term) | Rates as low as 6.50% | ||||
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| _______________________________________________________________________ | |||||
| Recreational Vehicle Loans (UTV’s/ Motorcycle/ Campers / Boats) | |||||
| Maximum term 84 months | Rates as low as 6.5% | ||||
| _______________________________________________________________________ | |||||
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