Rates

First Mortgage-Principal ResidenceAnnual Percentage Rate
Max 80% Loan to Value
Loan Terms and RatesConsult a Loan Officer Today for a custom mortgage that will work for you.
5/1 ARM - 30 Year Maximum4.50%
7/1 ARM - 30 Year Maximum4.75%
Home Equity Loan-Principal ResidenceAnnual Percentage Rate*
Fixed Term80% Loan to Value
24 months3.29%
36 months3.39%
60 months3.69%
84 months4.29%
120 months4.69%
180 months5.19%
240 months6.29%
Vehicle Loan RatesTypesAPR*AutoPay APR*
On the Spot Financing is AvailableRates as low asRates as low as
Vehicles and DemosNew2.99%2.74%
Used3.89%3.64%
RVs/Campers/ Travel TrailersNew5.79%5.54%
Used6.29%6.04%
Motorcycles/ATVs/BoatsNew4.49%4.24%
Used5.29%5.04%
Personal and Secured LoansAnnual Percentage Rate
Rates as low as
Signature Loan7.99%
Line of Credit11.00%
Share Secured4.25%
Share Certificate (CD) Secured2% over Certificate Rate or Share Secured Rate--whichever is highest
FlexChoiceAPR*
Fixed Rates
24 Months3.29%
36 Months3.39%
60 Months3.69%
84 Months4.29%
120 Months4.69%
Variable Rates
WSJ Prime Rate5.25%
Platinum MasterCard Credit CardAPR*
Rates as low as9.99%
Student LoansMaximum RateMinimum Rate
Variable Interest Loan9.37%2.25%
Fixed Interest Loan11.85%5.74%
Declared DividendsAPYRate
Account Type
Share Draft (Checking)0.10%0.10%
Regular Share CertificatesA.P.Y*Rate
$500-$49,999
6 Months0.30%0.30%
12 Months0.60%0.60%
18 months0.70%0.70%
24 Months0.75%0.75%
36 Months1.35%1.34%
48 Months1.60%1.59%
60 Months2.10%2.08%
48 Months STEP-UP-CD1.50%1.49%
Jumbo Share CertificatesA.P.Y.*Rate
$50,000 and Over
6 Months0.40%0.40%
12 Months0.70%0.70%
18 Months0.80%0.80%
24 Months0.85%0.85%
36 Months1.45%1.44%
48 Months1.70%1.69%
60 Months2.20%2.18%
48 Months STEP-UP-CD1.60%1.59%
IRA CertificatesA.P.Y*RateMember's Choice (A.P.Y*)Member's Choice (Rate)
$500-$49,999
Traditional, Roth, and Coverdell
6 Months0.60%0.60%0.60%0.60%
12 Months0.85%0.85%0.95%0.95%
18 Months1.00%1.00%1.10%1.10%
24 Months1.05%1.05%1.15%1.14%
36 Months1.65%1.65%1.75%1.74%
48 Months1.70%1.70%1.80%1.79%
60 Months2.20%2.181%2.30%2.28%
16 Month Special1.35%1.34%1.45%1.44%
Jumbo IRA CertificatesA.P.Y*Rate
$50,000 and Over
Traditional, Roth, and Coverdell
6 Months0.70%0.70%
12 Months0.95%0.95%
18 Months1.10%1.10%
24 Months1.15%1.14%
36 Months1.75%1.74%
48 Months1.80%1.79%
60 Months2.30%2.28%
16 Month Special1.35%1.34%
Money Market AccountsA.P.Y*Rate
Dividends Posted Monthly
$1,000-$19,9990.35%0.35%
$20,000-$49,9990.35%0.35%
$50,000-$99,9990.40%0.40%
$100,000 or more0.40%0.40%
Declared DividendsA.P.Y.***Rate
Account Type
Share (Savings)0.25%0.25%
Declared Club Account DividendsA.P.Y***Rate
Account Type
Christmas Club0.10%0.10%
All-Purpose Club0.10%0.10%
Declared Monthly DividendsA.P.Y.*Rate
Health Savings Account (HSA)0.25%0.25%