Rates

Loan Rates

New/Used Vehicle Loan Rates

  •  Rates effective 07-06-2015
2013 & Newer Annual Percentage Rate as low as1 Alert Me
36 Months 2.99%
48 Months 2.99%
60 Months 2.99%
72 Months (loan amount greater than $15,000) 2.99%
78 Months 3.99
84 Months (loan amount greater than $25,000) 4.99%
2010 thru 2012 Alert Me
36 Months 2.99%
48 Months 2.99%
60 Months 2.99%
66 Months 3.49%
72 Months (loan amount greater than $15,000) 3.99%
78 Months (loan amount greater than $25,000) 4.99%
2007 thru 2009 Vehicles Alert Me
24 Months 3.29%
36 Months 3.29%
48 Months 3.79%
60 Months 4.29%
66 Months 4.79%
72 Months (loan amount greater than $15,000) 5.29%
2006 & Older Vehicles Alert Me
24 Months 6.79%
36 Months 6.79%
48 Months 7.29%
54 Months 7.79%
60 Months 8.29%
66 Months 8.79%
These are our posted rates; your rate could vary according to your credit.
  • 1Maximum Percentage APR= 17.99%

New/Used RV Loan Rates

  •  Rates effective 07-06-2015
2013 & Newer Annual Percentage Rate as low as1 Alert Me
48 Months 2.99%
60 Months 2.99%
72 Months (loan amount greater than $15,000) 2.99%
84 Months (loan amount greater than $25,000) 5.99%
96 Months (loan amounts greater than $35,000) 6.99%
Balloon 72 - 144 months $50,000+ 5.50%
2009 thru 2012 Alert Me
48 Months 2.99%
60 Months 3.99%
72 Months (loan amount greater than $15,000) 4.99%
84 Months (loan amount greater than $25,000) 5.99%
96 Months (loan amount greater than $35,000) 6.99%
2008 thru 2005 Alert Me
36 Months 4.99%
48 Months 5.29%
60 Months 6.29%
66 Months 6.79%
72 Months 7.29%
78 Months 7.79%
2004 & Older Alert Me
24 Months 4.99%
36 Months 5.79%
48 Months 6.79%
60 Months 7.79%
66 Months 8.29%
72 Months 8.79%
These are our posted rates; your rate could vary according to your credit.
  • 1Maximum Percentage APR= 17.99%

Credit Card, Signature Loan and Line of Credit Rates

  •  Rates effective 07-06-2015
Annual Percentage Rate as low as1 Alert Me
Signature Loan 8.90%
Visa Credit Card 10.90%
Line of Credit/Overdraft 10.90%
Collateral (Jewelry, & other per policies) 10.90%
Tractor & Equipment 5.29%
Trailers (Cargo, Livestock, Flatbed, & Ect). 4.0%
These are our posted rates; your rate could vary according to your credit.
  • 1Maximum Percentage APR= 18.00%

Shared Secured Loan Rates

  •  Rates effective 07-06-2015
Annual Percentage Rate Alert Me
Share Secured
(Above dividend rate being paid on shares)
2.00%

Mobile Home Loan Rates

  •  Rates effective 07-06-2015
New (Non Real Estate Loans) 90% Financing Annual Percentage Rate as low as1 Alert Me
60 Months 10.90%
72 Months 10.90%
84 Months 11.90%
96 Months 12.90%
120 Months 13.90%
144 Months 14.90%
Used (Non Real Estate Loans) 75% of Avg. Retail or Appraisal Alert Me
60 Months 10.90%
72 Months 10.90%
84 Months 11.90%
96 Months 12.90%
120 Months 13.90%
144 Months 14.90%
These are our posted rates; your rate could vary according to your credit.
  • 1Maximum Percentage APR= 17.9%

Credit Card Rates

Credit Card, Signature Loan and Line of Credit Rates

  •  Rates effective 07-06-2015
Annual Percentage Rate as low as1 Alert Me
Signature Loan 8.90%
Visa Credit Card 10.90%
Line of Credit/Overdraft 10.90%
Collateral (Jewelry, & other per policies) 10.90%
Tractor & Equipment 5.29%
Trailers (Cargo, Livestock, Flatbed, & Ect). 4.0%
These are our posted rates; your rate could vary according to your credit.
  • 1Maximum Percentage APR= 18.00%

Deposit Rates

  •  
Minimum Deposit Minimum Dividends Balance APY Alert Me
Share Draft $0.00 $0.00 0.00%
Dividend Earning Draft $500.00 $500.00 0.00%
Average daily balance computation method Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.

Savings Rates

  •  Rates effective 07-06-2015
Minimum Deposit Minimum Dividends Balance APY Alert Me
Base Share (savings)1 $5.00 $100.00 0.10%
Auxilliary (savings) $0.00 $100.00 0.10%
Peewee Penguin $5.00 $5.00 0.499%
Double Nickle
(for members 55 or older)
$5.00 $100.00 0.20%
Summer Club $25.00 $5.00 0.20%
Christmas Club $25.00 $5.00 0.20%
Average daily balance computation method Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.
  • 1Dividend Earnings Share Draft Account $500.00 minimum balance to avoid a service charge of $5.00 per month.

Mega Money Rates

  •  Rates effective 07-06-2015
APY Alert Me
$100.00 to $20,000.00 .150%
$20,000.01 to $75,000.00 .200%
$75,000.01 and over .250%
Mega Money Accounts $1,000.00 minimum balance to avoid a service charge of $25.00 per month.

Average daily balance computation method Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.

Share Certificate and IRA Rates

  •  Rates effective 07-06-2015
Minimum Balance APY Alert Me
Share Certificate- 6 Months $250.00 0.400%
Share Certificate- 12 Month $250.00 0.500%
Share Certificate- 18 Month $250.00 0.600%
Share Certificate- 24 Month $250.00 0.800%
Share Certificate- 36 Month $250.00 1.200%
Share Certificate- 48 $250.00 1.600%
Jumbo Share Certificate Alert Me
Jumbo Share Certificate- 6 Months $100,000.00 0.650%
Jumbo Share Certificate- 12 Month $100,000.00 0.075%
Jumbo Share Certificate- 18 Month $100,000.00 0.850%
Jumbo Share Certificate- 24 Month $100,000.00 1.050%
Jumbo Share Certificate- 36 Month $100,000.00 1.450%
Jumbo Share Certificate- 48 Month $100,000.00 1.850%
IRA Alert Me
Traditional, Roth, & Educational IRA $5.00 .300%
Average daily balance computation method Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.