Rates

Rates effective September 4th, 2010 | Print
Saving RatesRateAPY ¹
Share Accounts0.25%0.25%
Special Accounts0.25%0.25%
Holiday Club Accounts0.25%0.25%
IRA Share Accounts0.50%0.50%
Minimum balance to earn dividends on above is $5.
Power Savings Accounts0.75%0.75%
Minimum balance to earn quarterly dividends on above is $100.
1.2.3 Checking RateAPY ¹
Level 1: no minimum balance0.00%0.00%
Level 2: $500 - $1,999.99 0.25%0.25%
Level 3: $2,000 - $20,000
$20,000.01 and up
2.23%
0.25%
2.25%
0.25%
For Level benefits and qualifiers click here

¹ Annual Percentage Yield

Share Certificate Rates*RateAPY ¹
6 Month Share Certificate0.90%0.90%
12 Month Share Certificate1.05%1.06%
24 Month Share Certificate1.50%1.51%
36 Month Share Certificate 1.75%1.76%
12/6 Month Share Certificate 0.95%0.95%
IRA Share CertificatesRateAPY ¹
12/6 Month IRA Share Certificate0.95%0.95%
12 Month IRA Share Certificate1.05%1.06%
24 Month IRA Share Certificate1.50% 1.51%
36 Month IRA Share Certificate1.75%1.76%

*Share certificate rates are subject to change without notice. Call 800.436.8328 for more details. Early withdrawal penalty may apply. Minimum deposit is $500.
¹ Annual Percentage Yield

Business Service RatesRateAPY ¹
Business Savings Accounts ²0.25%0.25%
Business MasterCard9.50%
Business Checking Accounts ³0.25%0.25%
Business Non-Profit Checking Accounts ³0.25%0.25%

¹ Annual Percentage Yield
² Minimum balance to earn dividends on above is $5.
³ Minimum balance to earn dividends on above is $2500.

LoanTermAPR as low as*
New and Used Vehicle LoansUp to 60 months3.00%
New Vehicle, Boat, Motorcycle, Travel Trailer and Motor Home. Up to 72 months4.50%
New Boat, Travel Trailer and Motor Home84 months
120 months
6.50%
7.50%
Used Vehicle***72 months 4.50%
Used Boat, Travel Trailer and Motor Home***84 months
120 months
7.50%
8.50%
ATV, Equipment and Computer Up to 36 months
48 to 60 months
6.74%
7.74%
Other Loans
Signature Loans (unsecured)12 to 48 months9.50%

*Your interest rate is determined by your credit history and the length of the loan.
**Other terms may be available. Term of loan determined by loan underwriting guidelines.
***5 years old or less. Call for terms and rates on older models.

Line of Credit Loan RatesAPR
MasterCard Platinum (variable rate)4.25% - 18.00%
Visa Platinum and Gold Credit Card (variable rate)5.24% - 18.00%
Line of Credit (overdraft line of credit)9.00%
Share Secured Loans5.00%
Share Certificate Secured3.00% above share certificate rate


Mortgage Loan RatesTermAPR as low as*
Home Equity LOC (up to 80% LTV)10 Year5.50%
Home Equity LOC (up to 80% LTV)15 Year**6.00%
Home Equity - Rates change daily. Call 800.436.8328 x510 or x502
Unimproved Property (up to 80% LTV)10 Year5.50%
Unimproved Property (up to 80% LTV) 15 Year**6.50%
Mobile Homes Permanently Affixed to Land - Rates change daily. Call 800.436.8328 x502 or x510
Mortgages - Rates change daily. Call 800.436.8328 x502 or x510

*Your interest is determined by your credit history and the length of the loan.
**15 year term available only on loans greater than $15,000.