Rates

  • Checking & Savings

    • Checking & Savings

    Account TypeRateAPY 
    Savings0.50%0.50%Open
    Checking0.25%0.25%Open
    Health Savings (HSA)2.00% (Up to $10,000.00)2.02%
    		Apply Now
    Health Savings (HSA)1.00% ($10,000.00 or more)1.00%Apply Now
    Christmas Club*1.00%Dividends pay annually on September 30thOpen
    Vacation Club*1.00%Dividends pay annually on April 30thOpen
    My Club*1.00%Dividends pay annually on anniversary dateOpen
    *Club Accounts have a maximum deposit limit of $10,000.00.
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  • Certificates (CDs)

    • Certificates (CDs)

    MaturityMinimum Deposit*RateAPY 
    3 Months$5000.55%0.55%Open
    6 Months$5000.60%0.60%Open
    12 Months$5000.70%0.70%Open
    18 Months$5000.75%0.75%Open
    24 Months$5000.85%0.85%Open
    36 Months$5000.95%0.95%Open
    48 Months$5001.05%1.05%Open
    60 Months$5001.20%1.21%Open
    *Dividends are paid quarterly and Child CDs ( for members under the age of 18) may be opened with a minimum of $100.00.
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  • IRA & HSA CDs

    • IRA & HSA Certificates

    MaturityMinimum DepositRatesAPY 
    3 Months$5000.55%0.55%Get Started
    3 Months Jumbo IRA$100,000 0.70%0.70%Get Started
    6 Months$5000.60%0.60%Get Started
    6 Months Jumbo IRA$100,000 0.75%0.75%Get Started
    12 Months$5000.70%0.70%Get Started
    12 Months Jumbo IRA$100,000 0.85%0.85%Get Started
    18 Months$5000.75%0.75%Get Started
    18 Months Jumbo IRA$100,000 0.90%0.90%Get Started
    24 Months$5000.85%0.85%Get Started
    24 Months Jumbo IRA$100,000 1.00%1.00%Get Started
    36 Months$5000.95%0.95%Get Started
    36 Months Jumbo IRA$100,000 1.10%1.11%Get Started
    48 Months$5001.05%1.06%Get Started
    48 Months Jumbo IRA$100,000 1.20%1.21%Get Started
    60 Months$5001.20%1.21%Get Started
    60 Months Jumbo IRA$100,000 1.35%1.36%Get Started
    *Dividends are paid monthly. IRA Share accounts pay monthly dividends at the same rate as Savings accounts.
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  • Auto & Motorcycle

    • Auto & Motorcycle Loans

    YearTermRateRate with Maximum Discount* 
    2019 – 202136 Months5.25%1.50%Apply Now
    2019 – 202160 Months5.75%2.00%Apply Now
    2019 – 202172 Months6.25%2.50%Apply Now
    2019 – 202184 Months7.00%3.25%Apply Now
    2018 & Older36 Months6.00%2.25%Apply Now
    2018 & Older48 Months6.25%2.50%Apply Now
    2018 & Older60 Months6.50%2.75%Apply Now
    2018 & Older72 Months7.50%3.75%Apply Now
    *Rate discounts on the above are based on the following credit scores: 700 or greater – 3.50%, 650 to 699 – 3.00%, and 600 to 649 – 1.00%. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
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  • Home Loans

    • Home Loans

    Loan TypeResidence TypeRate* 
    Variable - 5 Year AdjustablePrimary3.50%Apply Now
    Variable - 10 Year AdjustablePrimary4.00%Apply Now
    Variable - 5 Year AdjustableSecondary4.50%Apply Now
    Variable - 10 Year AdjustableSecondary5.00%Apply Now
    Home EquityPrimary3.50%Apply Now
    Home EquitySecondary4.50%Apply Now
    Land - 5 Year Adjustable3.75%Apply Now
    Land - 10 Year Adjustable4.25%Apply Now
    Construction4.50%Apply Now
    Fixed Rate MortgageContact UsApply Now
    *Automatic payment rate discount is -0.25% (excluding mortgage and home equity). Real estate loan rates are based on the 6 month T-bill.
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  • Personal & Title Loans

    • Personal Loans

    Loan TypeTermRateRate with Maximum Discount* 
    Platinum Visa (with credit score 650 or >)Revolving8.00%7.75%Apply Now
    Platinum Visa (with credit score of less than 650)Revolving12.50%12.25%Apply Now
    Line of Credit24 Months14.50%14.25%Apply Now
    Overdraft24 Months14.50%14.25%Apply Now
    Personal60 Months11.50%11.25%Apply Now
    Platinum Personal60 Months7.25%7.00%Apply Now
    Student60-120 Months6.00%5.75%Apply Now
    Home Improvement60 Months4.25%4.00%Apply Now
    Short-term Personal (with credit score 650 or >)18 Months3.25%3.00%Apply Now
    Short-term Personal (with credit score of less than 650)18 Months8.25%8.00%Apply Now
    * Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
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    Other Titled Collateral Loans

    YearTermRateRate with Maximum Discount* 
    2019-202148 Months7.25%3.50%Apply Now
    2019-202160 Months7.75%4.00%Apply Now
    2018 & Older36 Months8.25%4.50%Apply Now
    2018 & Older48 Months8.50%4.75%Apply Now
    2018 & Older60 Months9.00%5.25%Apply Now
    *Rate discounts on the above are based on the following credit scores: 700 or greater – 3.50% 650 to 699 – 3.00% and 600 to 649 – 1.00%. Balloon note option available for amortization up to 15 years. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
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