Our Rates

Interest Rate Effective Date: 10/01/2021

APR: Annual Percentage Rate
APY: Annual Percentage Yield

Loan Rates

Not all members will receive the lowest rate. Rates are dependent on credit reporting scores and other variables. Check with us today to find out what rate we can offer you.

Loan

APR as low as

New & Used Auto 1.95%
Recreational Loans 2.75%
Equipment Loans 5.00%
Share Secured 2.50%
Construction Real Estate 3.65%
First or Second Mortgage 2.65%

Share Savings

Shares

APY

Share Savings 0.10%
Christmas Club 0.10%
Escrow 0.05%
Share Draft 0.00%
Dividend Bearing SD 0.05%
Bonus Shares
($500 – $24,999.99)
0.10%
Bonus Shares
($25,000-$149,999.99)
0.20%
Bonus Shares
($150,000+)
0.40%
IRA/ESA Daily Savings 0.50%

 

Share Certificate Rates*

CD Rates

Rate

APY

Rate

APY

Tiers $500-$9,999.99 $10,000.00+
6 Month 0.149% 0.015% 0.25% 0.25%
12 Month 0.25% 0.25% 0.35% 0.35%
24 Month 0.30% 0.30% 0.499% 0.50%
36 Month 0.40% 0.40% 0.599% 0.60%
48 Month 0.499% 0.50% 0.748% 0.75%
60 Month 0.599% 0.60% 0.847% 0.85%

IRA Certificate Rates*

Traditional/Roth/Educational Savings Accounts

Rate

APY

Minimum deposit: $500
6 Month 0.25% 0.25%
12 Month 0.35% 0.35%
24 Month 0.499% 0.50%
36 Month** 0.599% 0.60%
48 Month** 0.748% 0.75%
60 Month** 0.847% 0.85%

Grow With Me Certificate*

Grow With Me CD

Minimum $100+

Rate APY
12 Month 0.25% 0.25%
24 Month 0.30% 0.30%

*Early Withdrawal Penalties Apply: Terms of 12 months or less 60 days’ dividends, Terms of 13 months or longer 120 days’ dividends.

**The 36, 48, and 60 month certificates have a One Time Bump option on the interest rate after 12, months. These certificates are not automatically renewable.