Rates Schedule
Share Rates
|
Account |
Minimum Opening Deposit |
Minimum to Earn Dividends |
Dividend Rate |
APY* |
|
Share Draft Checking |
$0.00 |
$0.00 |
0.00% |
0.00% |
|
Regular Share Savings |
$10.00 ($5.00 par value plus $5.00 membership fee) |
$50.00 |
0.00% |
0.00% |
|
Christmas Club |
$0.00 |
$0.00 |
0.00% |
0.00% |
|
Vacation Club |
$0.00 |
$0.00 |
0.00% |
0.00% |
* APY = annual percentage yield. These rates may change at any time without prior notice. Fees could reduce earnings on the account.
Share Certificates
|
Term |
Minimum Investment |
Dividend Rate |
APY* |
|
6 months |
$500.00 |
2.73% |
2.75% |
|
12 months |
$500.00 |
3.70% |
3.75% |
|
18 months |
$500.00 |
3.60% |
3.65% |
|
24 months |
$500.00 |
3.50% |
3.55% |
|
36 months |
$500.00 |
3.40% |
3.45% |
* Annual Percentage Yield is accurate as of October 1, 2025. These rates may change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Dividends are compounded and credited quarterly.
Loan Rates
|
New and Used Vehicles |
APR** |
|
84 months |
4.99% – 18.00% |
|
72 months |
3.75% – 18.00% |
|
60 months |
3.49% – 18.00% |
|
48 months |
2.99% – 18.00% |
|
36 months |
2.49% – 18.00% |
** APR = Annual Percentage Rate. Individual rates are based on credit score.
Note: Vehicles over $30,000.00 may be financed up to 84 months. We will not finance vehicles over 10 model years old.
|
Other Loan Types |
APR |
|
Signature Loan |
7.99% – 18.00% |
|
Signature Line of Credit |
9.00% – 14.00% |
|
Share Secured Loan/Line of Credit |
4.05% |
|
Share Certificate Secured Loan/Line of Credit |
300 basis points above the stated rate of the share certificate at the time of the loan |