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Rates

Rates

Rates effective as of December 13, 2018

Term Share Certificates

DescriptionCompoundedDRAPY
90 Day*N/A0.25%0.25%
$500 Minimum. Loss of dividend penalty for early withdrawal.
6 Month*N/A0.30%0.30%
$500 Minimum. One withdrawal with no penalty – all subsequent withdrawals incur a 90 day dividend penalty.
6 Month*N/A0.35%0.35%
$500 Minimum. Early withdrawal penalty = 90 days dividend, earned or not.
12 Month*Quarterly0.50%0.51%
$1,200 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
18 Month*Quarterly0.55%0.56%
$1,800 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
24 Month*Quarterly0.60%0.61%
$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
30 Month*Quarterly0.70%0.71%
$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
36 Month*Quarterly0.80%0.81%
$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.

*PENALTY FOR EARLY WITHDRAWAL. RATES AND YIELDS ARE SUBJECT TO CHANGE. PLEASE CALL OR COME BY FOR THE LATEST RATE AND YIELD INFORMATION.

Rates are subject to change.
DR=Dividend Rate. APY=Annual Percentage Yield.

Share Account

DescriptionCompoundedDRAPY
Regular ShareQuarterly0.25%0.25%
Share DraftQuarterly0.10%0.10%
Christmas ClubQuarterly0.25%0.25%
Accumulative IRAQuarterly0.65%0.65%
Rates and yields may change after the account is open.
The APY is based on last quarter dividends paid – January 1, 2015.

Rates are subject to change.
DR=Dividend Rate. APY=Annual Percentage Yield.

APR=Annual Percentage Rate. APY=Annual Percentage Yield.

Loan Rates

DescriptionTermRate
Share SecuredUp to 60 mos.
over 60 mos.
Fixed
Adjustable
2.00% Above
Share Rate
Secured by the Share Account.
Certificate SecuredMust be paid or refinanced at maturity.Fixed2.00% Above
Cert. Rate
Secured by the Term Share Certificate.
Signature LoansUp to 48 mos.Base8.00%
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Pop Loan Line of Credit48 mos.Fixed13.00%

New Cars, Trucks, Vans
(Never titled-less than 15,000 miles)

Up to 72 mos.
Up to 60 mos.
Up to 48 mos.

Base
Base
Base

2.99%
2.49%
1.99%

The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Used Cars, Trucks, Vans
(Has been titled or over 15,000 miles)
Over 5 years old –
Up to 60 mos.
Up to 48 mos.36 mos.
Base
BaseBase
2.99%
1.99%3.99%
Up to 60 months – NADA Average Retail or Purchase Price (whichever is less) – over $15,000 or less than 1 year old
Up to 48 months – over $10,000 or less than 5 years old
Up to 36 months – over 5 years old.
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
New Campers, Camper Trailers, Piggyback Camper Units, Motor HomesUp to 60 mos.
Up to 48 mos.
Base
Base
6.25%
6.00%
NADA Average Retail or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Used Campers, Camper Trailers, Piggyback Camper Units, Motor HomesUp to 48 mos.Base6.75%
NADA Average Retail or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
New Motorcycles, Watercraft, Other Rec. VehiclesUp to 60 mos.
Up to 48 mos.
Base
Base
6.75%
6.50%
NADA Average Retail or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Used Motorcycles, Watercraft, Other Rec. VehiclesUp to 48 mos.
Up to 36 mos.
Base
Base
7.25%
7.00%
NADA Average Retail or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
New Farm and Yard EquipmentUp to 36 mos.Base7.25%
NADA Average Retail or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Used Farm and Yard EquipmentUp to 36 mos.Base7.75%
NADA Average Retail or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
New Major Appliances and Personal ComputersUp to 36 mos.Base8.25%
Purchase Price Plus Sales Tax.
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
First MortgageUp to 20 yrs.
Up to 15 yrs.
Up to 8 yrs.
Base
Base
Base
3.75%
3.25%
2.75%
Appraised Value or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Unimproved PropertyUp to 10 yrs.
Up to 8 yrs.
Up to 5 yrs.
3.75%
3.50%
3.25%
Appraised Value or Purchase Price (whichever is less).
The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
Home EquityUp to 15 yrs.Variable4.00%
11th District COF + 3.00%.
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.

APR=Annual Percentage Rate.
Rates subject to change.

Safe Deposit Box Fees

DescriptionSizeFee
Safe Deposit Box 3 x 5$20
3 x 10$33
5 x 10$55
10 x 10$90
This fees listed above are annual fees.

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