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Rates

The annual percentage rate (APR) is determined by applicant credit, payment history, collateral, term of loan, and percent of product financed. Your individual rate and term may vary. Rates and terms subject to change. The rates published below are advertising the lowest rate possible on each term. Please contact a loan officer for more information.

Automobile Loans
Auto Loans APR* Term
2015 - 2018 New & Used Cars, Trucks, Vans, Motorcycles* 3.50 36
2015 - 2018 New & Used Cars, Trucks, Vans, Motorcycles* 3.70 48
2015 - 2018 New & Used Cars, Trucks, Vans, Motorcycles* 3.80 60
2015 - 2018 New & Used Cars, Trucks, Vans, Motorcycles* 4.30 72
2015 - 2018 New & Used Cars, Trucks and Vans 5.05 84
2013 - 2014 Used Cars, Trucks, Vans, Motorcycles* 3.80 48
2013 - 2014 Used Cars, Trucks, Vans, Motorcycles* 4.05 60
2013 - 2014 Used Cars, Trucks, Vans, Motorcycles* 5.05 72
2011 - 2012 Used Cars, Trucks, Vans, Motorcycles* 4.30 48
2011 - 2012 Used Cars, Trucks, Vans, Motorcycles* 4.80 60
2011 - 2012 Used Cars, Trucks, Vans, Motorcycles* 5.80 72
2009 - 2010 Used Cars, Trucks, Vans, Motorcycles* 5.55 36

*Motorcycles (except Touring / Harley Davidson's) add 2.00%

RV & Boat Loans
RV & Boat Loans APR* Term
New RV's & Boats Under $10,000 4.55 60
New RV's & Boats $10,000 - $25,000 4.55 60
New RV's & Boats $10,000 - $25,000 5.55 96
New RV's & Boats $10,000 - $25,000 6.05 120
New RV's & Boats Over $25,000 4.55 60
New RV's & Boats Over $25,000 5.55 96
New RV's & Boats Over $25,000 6.05 120
Used RV's & Boats Under $10,000 5.05 60
Used RV's & Boats $10,000 - $25,000 5.05 60
Used RV's & Boats $10,000 - $25,000 5.80 96
Used RV's & Boats $10,000 - $25,000 6.45 120
Used RV's & Boats Over $25,000 5.05 60
Used RV's & Boats Over $25,000 5.80 96
Used RV's & Boats Over $25,000 6.45 120

*We also have 120 month and 144 month terms available for RV loans. Contact a Loan Officer for applicable rates.

Mortgage
Mortgages RATE APR* POINTS
Conventional - 30 Year Fixed Rate 5.250 5.378 0.00000
Conventional - 15 Year Fixed Rate 4.375 4.588 0.00000
7/1 ARM 4.125 4.125 0.00000
2nd Mortgages
2nd Mortgage APR*
2nd Mortgage - Fixed Rate (as much as 100% Loan to Value and up to 5 Years) 4.25
2nd Mortgage - Fixed Rate (as much as 100% Loan to Value and up to 9 Years) 5.00
2nd Mortgage - Fixed Rate (as much as 75% Loan to Value and up to 5 Years) 4.25
2nd Mortgage - Fixed Rate (as much as 75% Loan to Value and up to 9 Years) 5.00
Home Equity Loans
Home Equity APR*
Home Equity Line of Credit (HELOC) - Variable Rate Prime
Home Equity Line of Credit (HELOC) - 5-Year Fixed Rate 4.50
Home Equity Line of Credit (HELOC) - 7-Year Fixed Rate 4.75
Home Equity Line of Credit (HELOC) - 10-Year Fixed Rate 5.25
Revolving Credit
Revolving Credit APR*
Line of Credit 12.50
Line of Credit with Checking Account 12.25
Visa Basic Credit Card 15.90
Visa Platinum Points Credit Card 11.90
Visa Platinum Rates Credit Card 9.25
Miscellaneous Loans
Miscellaneous Loans APR*
Shared Secured Loan (100% Share Secured in Excess of $999.99) 2.50
Signature or Personal Loan (>$1,000) 7.90
Signature or Personal Loan (<$1,000) 11.75
Savings
Basic Savings Accounts Minimum Balance Dividend Rate APY*
Regular Shares $5.00 to $2,499.00 0.10 0.10
Regular Shares $2,500.00 or Greater 0.10 0.10
Christmas Club Account None 0.10 0.10
Vacation Club Account None 0.10 0.10
Money Markets
Money Markets Dividend Rate APY*
$2,500 - $9,999 0.30 0.30
$10,000 - $24,999 0.35 0.35
$25,000 and Above 0.40 0.40
MAXimum Money Markets Dividend Rate APY*
$25,000 - $49,999 0.45 0.45
$50,000 - $99,999 0.50 0.50
$100,000 and Above 0.55 0.55
IRA
IRA Minimum Balance Dividend Rate APY*
IRA Builder $50 to Open 0.45 0.45
Roth IRA Builder $50 to Open 0.45 0.45
Health Savings Account (HSA)
Health Savings Account (HSA) Minimum Balance Dividend Rate APY*
HSA $50.00 1.00 1.00
Checking
Checking Accounts Minimum Balance Dividend Rate APY*
Free Checking No Minimum Balance 0.00 0.00
Share Draft Plus/Checking $500.00 0.10 0.10
Horizon Club Checking $500 Balance Required to Earn Dividend 0.10 0.10
Premier Advantage Checking* $500 Balance Required to Earn Dividend 0.10 0.10

*Must be at least 50 years of age to qualify for Premier Advantage Checking.

Share Certificates (CDs)
Share Certificates Minimum Deposit Dividend Rate APY* Term
Share Certificate Starter** $100 0.20 0.20 12
Share Certificates $1,000 to $9,999.00 $1,000 0.20 0.20 3
Share Certificates $1,000 to $9,999.00 $1,000 0.25 0.25 6
Share Certificates $1,000 to $9,999.00 $1,000 0.40 0.40 12
Share Certificates $1,000 to $9,999.00 $1,000 0.45 0.45 18
Share Certificates $1,000 to $9,999.00 $1,000 0.50 0.50 24
Share Certificates $1,000 to $9,999.00 $1,000 0.55 0.55 30
Share Certificates $1,000 to $9,999.00 $1,000 0.95 0.95 36
Share Certificates $1,000 to $9,999.00 $1,000 1.19 1.20 48
Share Certificates $1,000 to $9,999.00 $1,000 1.49 1.50 60
Share Certificates $10,000 to $49,999.00 $10,000 0.25 0.25 3
Share Certificates $10,000 to $49,999.00 $10,000 0.30 0.30 6
Share Certificates $10,000 to $49,999.00 $10,000 0.50 0.50 12
Share Certificates $10,000 to $49,999.00 $10,000 0.60 0.60 18
Share Certificates $10,000 to $49,999.00 $10,000 0.75 0.75 24
Share Certificates $10,000 to $49,999.00 $10,000 0.85 0.85 30
Share Certificates $10,000 to $49,999.00 $10,000 1.14 1.15 36
Share Certificates $10,000 to $49,999.00 $10,000 1.39 1.40 48
Share Certificates $10,000 to $49,999.00 $10,000 1.69 1.70 60
Share Certificates $50,000.00 or Greater $50,000 0.50 0.50 3
Share Certificates $50,000.00 or Greater $50,000 0.80 0.80 6
Share Certificates $50,000.00 or Greater $50,000 1.00 1.00 12
Share Certificates $50,000.00 or Greater $50,000 1.09 1.10 18
Share Certificates $50,000.00 or Greater $50,000 1.34 1.35 24
Share Certificates $50,000.00 or Greater $50,000 1.44 1.45 30
Share Certificates $50,000.00 or Greater $50,000 1.64 1.65 36
Share Certificates $50,000.00 or Greater $50,000 1.88 1.90 48
Share Certificates $50,000.00 or Greater $50,000 1.98 2.00 60
SPECIAL RATE: Share Certificates $10,000.00 Minimum $10,000 2.44 2.47 13
SPECIAL RATE: Share Certificates $10,000.00 Minimum $10,000 2.95 3.00 30

*APR = Annual Percentage Rate. The APR for this product is determined by applicant credit, payment history, collateral, term of loan, and percent of product financed. Your individual rate and term may vary.

*APY = Annual Percentage Yield

Additional Deposits of at least $10.00 may be added at any time. Substantial penalty for early withdrawal.