Deposits Dividend Rate APY*
Share Savings   0.05%   0.05%
Member Perks: Tiered Savings
$0.00-$2,499.99 0.05% 0.05%
$2,500 & above 0.15% 0.15%
IRAs   0.15%   0.15%
HSAs   0.15%   0.15%
Share Certificates*** – ($500 minimum)
6 Month 0.45% 0.45%
12 Month 0.60% 0.60%
24 Month 0.90% 0.90%
36 Month 1.20% 1.21%
48 Month 1.50% 1.51%
60 Month 2.03% 2.04%
Youth Share Certificates*** – ($125 minimum)
6 Month 0.45% 0.45%
Vehicle Loans Interest Rate APR**
New Auto (2017-2018)
24 Month 2.99% 3.23%
36 Month 2.99% 3.15%
48 Month 3.25% 3.78%
60 Month 3.50% 3.60%
72 Month 3.99% 4.07%
84 Month 5.50% 5.58%
Used Auto (2011-2016)
24 Month 2.99% 3.23%
36 Month 3.50% 3.66%
48 Month 3.75% 3.88%
60 Month 3.99% 4.09%
72 Month 5.50% 5.59%
New Recreational (2017-2018)
24 Month 2.99% 3.23%
36 Month 2.99% 3.15%
48 Month 3.25% 3.78%
60 Month 3.99% 4.09%
72 Month 4.99% 5.08%
84 Month 5.99% 6.07%
Used Recreational (2011-2016)
24 Month 3.49% 3.74%
36 Month 3.99% 4.16%
48 Month 4.25% 4.38%
60 Month 4.50% 4.60%
72 Month 5.99% 6.08%
Personal Loans Interest Rate APR**
Personal Loan 7.99% 8.15%
Visa Cashback Credit Card 8.90% 9.07%
Home Equity Interest Rate APR**
Home Equity Line of Credit   5.500%    5.653%
Fixed-Rate Home Equity Loan
60 Month 5.000% 5.409%
84 Month 5.250% 5.550%
120 Month 5.500% 5.717%
180 Month 6.000% 6.155%
Mortgage Loans Interest Rate APR**
Home Purchase 4.500% 4.797%
Home Refinance 4.500% 4.797%
Raw Land Loan 5.500% 5.805%

*APY = Annual Percentage Yield.  All non-certificate rates are variable and subject to change without notice after account is opened.

**APR = Annual Percentage Rate.  All rates are "as low as" indicating the lowest possible rate. Subject to credit approval and other conditions. The rate and term will vary depending on the credit score. Rates are subject to change without notice. The Home Equity Line of Credit and the Visa Cashback Credit Card APR may change after consummation.

***Share Certificate early withdrawal penalty may be imposed for withdrawals before maturity.

Vehicle and Personal Loan Disclosure: The APRs listed for the vehicle and personal loans are based on a sample loan of $20,000 with a processing fee of $50.  The personal loans are based on a repayment term of 36 months.

Home and Home Equity Loan Disclosure:  The APRs listed for the home, land and home equity loans are based on a sample loan of $100,000.  The sample loan fees for the home and land loans are $2,000.  The sample loan fees for the home equity loans are $1,000.  Unless otherwise stated, the home loan products are based on a 15 year repayment term.

 

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