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RATES

The rates quoted below are our “A” rates (unless otherwise noted).

APY= Annual Percentage Yield.

APR= Annual Percentage Rate.

Rates, APRs, and APYs accurate as of November 22, 2024.

Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Max tem on auto loans is 84 months.

Savings Accounts

Products Dividend Rate APY Rate
Regular Savings ($100.01 – $2,500) 0.100% 0.10%
Regular Savings ($2,500.01+) 0.200% 0.20%
Kids Central Savings 0.598% 0.60%
IRA Savings 0.150% 0.15%

Money Manager

Balance Dividend Rate APY Rate
$2,500 – $9,999 0.499% 0.50%
$10,000 – $49,999 0.598% 0.60%
$50,000 – $99,999 0.698% 0.70%
$100,000 0.797% 0.80%

Share Certificates

Term Dividend Rate APY Rate
1 year ($500.00 – $99,999.99) 3.687% 3.75%
1 year ($100,000.00 – $244,999.99) 3.928% 4.00%
1 year ($245,000.00 – $999,999.99) 4.169% 4.25%
1 year ($1,000,000.00 +) 4.410% 4.50%
2 year ($500.00 – $99,999.99) 3.687% 3.75%
2 year ($100,000.00 – $244,999.99) 3.928% 4.00%
2 year ($245,000.00 – $999,999.99) 4.169% 4.25%
2 year ($1,000,000.00 +) 4.410% 4.50%
3 year ($500.00 – $99,999.99) 2.960% 3.00%
3 year ($100,000.00 – $244,999.99) 3.203% 3.25%
3 year ($245,000.00 – $999,999.99) 3.445% 3.50%
3 year ($1,000,000.00 +) 3.687% 3.75%
5 year ($500.00 – $99,999.99) 3.203% 3.25%
5 year ($100,000.00 – $244,999.99) 3.203% 3.25%
5 year ($245,000.00 – $999,999.99) 3.445% 3.50%
5 year ($1,000,000.00 +) 3.445% 3.50%

Autos

Model Year Duration APR Rate
2024 – 2018 Up to 60 months Starts at 7.25%
2024 – 2018 75 months Starts at 7.50%
2024 – 2018 84 months Starts at 8.25%
2017 and older Up to 60 months Starts at 9.25%
2017 and older 75 months Starts at 9.50%
2017 and older 84 months Starts at 10.25%

Boats, Motorcycles, RVS, Motor Homes

Model Year Duration APR Rate
2024 – 2018 Up to 60 Months Starts at 8.25%
2024 – 2018 75 Months Starts at 8.50%
2024 – 2018 84 Months Starts at 9.25%
2024 – 2018 120 Months Starts at 11.00%
2024 – 2018 180 Months Starts at 11.50%
2017 and older Up to 60 Months Starts at 10.25%
2017 and older 75 Months Starts at 10.50%
2017 and older 84 Months Starts at 11.25%
2017 and older 120 Months Starts at 13.00%
2017 and older 180 Months Starts at 13.50%

ATVs, UTVs, Jet Skis, Farm Equipment

Model Year Duration APR Rate
2024 – 2018 Up to 60 Months Starts at 10.49%
2024 – 2018 75 Months Starts at 10.99%
2017 and older Up to 60 Months Starts at 12.49%
2017 and older 75 Months Starts at 12.99%

Personal Loans

Loan Type Duration APR Rate
Share Secured Loan 36 months Starts at 6.00%
Signature Loan 12 months Starts at 12.99%
Signature Loan 24 Months Starts at 13.49%
Signature Loan 36 months Starts at 13.99%
Signature Loan 48 Months Starts at 14.49%

Property Loans

Loan Type Duration APR Rate
1st Mortgage 10 year fixed Starts at 7.00%
1st Mortgage 15 year fixed Starts at 7.25%
1st Mortgage 20 year fixed Starts at 7.50%
1st Mortgage 30 year fixed Starts at 7.75%
1st Mortgage 5/1 ARM Starts at 6.75%
1st Mortgage 10/1 ARM Starts at 7.00%
1st Mortgage 15/1 ARM Starts at 7.25%
2nd Mortgage 10 year fixed Starts at 8.50%
2nd Mortgage 15 year fixed Starts at 9.50%
1st Mortgage Home Equity Line of Credit Revolving To 80%: 8%
1st Mortgage Home Equity Line of Credit Revolving To 90%: 8.5%
1st Mortgage Home Equity Line of Credit Revolving To 100%: 9%
2nd Mortgage Home Equity Line of Credit Revolving To 80%: 8.5%
2nd Mortgage Home Equity Line of Credit Revolving To 90%: 9.0%
2nd Mortgage Home Equity Line of Credit Revolving To 100%: 9.5%
Land Loan Varies Fixed rate starts at 8%