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Rates
LOAN RATES                                                                                                                                                                    
Vehicle Loans Annual Percentage Rate
New Vehicle 2.50%-16.50%
Used Vehicle 2.65%-17.90%
Older Vehicle (2010 and older) 4.65%-18.00%
New RV 5.00%-17.00%
Used RV 6.00%-18.00%
New Motorcycle 2.50%-16.50%
Used Motorcycle 2.65%-17.90%
Personal Loans Annual Percentage Rate
Unsecured Loans 7.90%-17.50%
Share Secured 3% over share rate
Certificate Secured 3% over certificate rate
Mobile Home Loans Annual Percentage Rate
New Mobile Homes Suspended
Used Mobile Homes Suspended
Real Estate Loans Annual Percentage Rate
First Trust Deed Suspended
Second Trust Deed Suspended
Home Equity Lines Suspended

Rates effective December 1, 2016.  Rates are subject to change without notice. Rates and terms are based on approved credit and may vary depending on credit worthiness. Longer terms may be available for qualified borrowers at an increased rate. Credit worthiness is determined by a variety of factors including but not limited to credit score, debt ratio, and length of employment.

Rates posted do not include discounts. Discounts do not apply during special pricing or on unsecured loans. 

We offer .25% discount to the earned rate for payroll deduction and .25% for an active checking account except during loan specials. 

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IRA and  TRADITIONAL CERTIFICATE RATES                                                                                                       
Term Minimum Deposit Interest Rate Annual Percentage Yield

6 Month

$1,000 .20% .20%

 

$10,000 .20% .20%
  $50,000 .20% .20%
  $100,000 .25% .25%

12 Month

$1,000 .25% .25%
  $10,000 .25% .25%
  $50,000 .30% .30%
  $100,000 .35% .35%

24 Month

$1,000 .45% .45%
  $10,000 .45% .45%
  $50,000 .50% .50%
  $100,000 .50% .50%
Annual Percentage Yield is based on the assumption that the interest will remain on deposit until maturity. A penalty is imposed on withdraws of the principal before the maturity date. Certificate Rates effective October 1, 2016

 

 

SAVINGS RATES                                 
Type Minimum Balance Interest Rate Annual Percentage Yield

Regular Savings

$0.00 to $99.99 .00% .00%
  $100 to $4,999.99 .10%

.10%

  $5,000 to $19,999.99 .10% .10%
  $20,000 to $99,999.99 .15% .15%
  $100,0000 and up .15% .15%

Checking

$50 0.00% 0.00%

 

Savings rates effective October 1, 2016.  Rates subject to change without notice.  Savings and Traditional Certificate Deposits insured to $250,000.00 through NCUA, a U.S. Government Agency.  IRA deposits insured to $250,000.00 through NCUA, a U.S. Government Agency.

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