Rates

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

Regular Shares	0.15 Div. Rate	0.15 APY


Budget	0.15 Div. Rate	0.15 APY

Summer Pay	0.15 Div. Rate	0.15 APY

Christmas Club	0.15 Div. Rate	0.15 APY





Share Certificate Accounts

6 month	0.30 Div. Rate	0.30 APY
$100 Minimum $9999 Maximum
12 month	0.30 Div. Rate	0.30 APY
$100 Minimum $9999 Maximum
6 month	0.30 Div. Rate	0.30 APY
$10000 Minimum $100000 Maximum
12 month	0.30 Div. Rate	0.30 APY
$10000 Minimum $100000 Maximum


Share Draft Accounts


Share Drafts	0.00% Div. Rate	0.00% APY
Dividends not paid on this type of account

Loan Accounts

Signature Loans, Vacation Loans, Christmas Loans

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

*APR is BASED ON $20,000.00 FINANCED WITH A $125.00 LOAN ORIGINATION FEE unless otherwise noted.

Signature and co-maker

Rate as low as 11.50%

APR as low as 12.449%

****Maximum unsecured loans $7,000 /48 months maximum term

****APR is based on $7,000 financed for 48 months with a $125.00 loan origination fee.

Share Secured

Rate 4.00%

APR as low as 4.000%

Fully secured by shares on deposit

NO Loan origination fees on a share secured loan

Vehicle Loans

New Car Loans or never been titled*Term 48 months (Up to 72 months)

Rates as low as 3.28%

APR as low as 3.568%

New Car Loans or never been titled***Term 84 months, Minimum $35,000

Rates as low as 5.28%

APR as low as 5.394%

Used Car Loans, term 48 months*

Rates as low as 3.80%

APR as low as 4.116%

1 to 5 years old (2019-2015)(Up to 72 months)

Used Car Loans, term 48 months*

Rates as low as 5.55%

APR as low as 5.827%

6 to 10 years old (2014-2010)(Up to 60 months)

Any used vehicle over 10 years, we will lend 80% of the book value. Rates are 11.5%APR /11.852% APR at 48 months*

Although we cannot match special promotions offered by dealers, we will make an attempt to match advertised rates of other dealers, banks or lenders.

Recreational Vehicle Loans (UTV’s/ Motorcycle/ Campers / Boats)

New (2019-2020), term 48 months*(Up to 84 months)

Rates as low as 5.25%

APR as low as 5.571%

Used(2016-2018), term 60 months**(Up to 72 months)

Rates as low as 6.00%

APR as low as 6.264%

*APR is based on $20,000 financed for 48 months with a $125.00 loan origination fee.**APR is based on $20,000 financed for 60 months with a $125.00 loan origination fee.

***APR is based on $35,000 financed for 84 months with a $125.00 loan origination fee.

Used(2010-2015), term 48 months*(Up to 72 months)

Rates as low as 7.00%

APR as low as 7.327%

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