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Current Deposit Account and Loan Rates |
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Product |
APR Annual Percentage Rate |
APY Annual Percentage Yield |
| Deposit Accounts | ||
| Savings | 0.50 | 0.50 |
| Holiday Club | 0.50 | 0.50 |
| Checking (Basic, Business,and Nonprofit Organization) | 0.25 | 0.25 |
| Checking (Premium) | 0.60 | 0.61 |
| Money Market | 1.10 | 1.11 |
Term Certificates ($500 minimum) (Incl. Specialty Certificates) Updated July 2, 2010 |
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| 3-month term | 1.00 | 1.01 |
| 6-month term | 1.25 | 1.26 |
| 12-month term | 1.55 | 1.56 |
| 24-month term | 1.90 | 1.92 |
| 36-month term | 2.40 | 2.43 |
| 48-month term | 2.65 | 2.69 |
| 60-month term | 2.90 | 2.94 |
| IRA Accounts | ||
| IRA savings ($25 minimum) | 1.55 | 1.56 |
| IRA Certificates ($500 minimum) | ||
| 12-month certificate | 1.55 | 1.56 |
| 24-month certificate | 1.90 | 1.92 |
| 36-month certificate | 2.40 | 2.43 |
| 48-month certificate | 2.65 | 2.69 |
| 60-month certificate | 2.90 | 2.94 |
| Loan Rates | ||
| New Car (72 month term) | 6.750% to 7.750% | |
| Used Car- 5 years old or less (60 month term) | 7.500% to 8.000% | |
| Used Car- greater than 5 years old (12 to 48 months) | 7.750% | |
| Motorcycle & Recreational Vehicles (12 to 60 months) | 10.500% to 11.000% | |
| Signature- Unsecured (12 to 36 months) | 12.750% | |
| Secured- Share Savings and Term Certificate | Account rate + 4.0% | |
| Overdraft Line of Credit | 16.0% | |
| Visa Credit Card | (Ask a representative) | |
| Home Equity Line of Credit- HELOC (90% or less- combined LTV) | 6.000% - 6.500% | |
| Home Equity Loan (90% or less- combined LTV) | 8.250% - 8.750% | |