Rates

IRA Share Account
Effective Date: Saturday, December 7th, 2019
AmountAPRAPY
$250 - $9,999 0.15% 0.15%
$10,000 - $24,999 0.20% 0.20%
$25,000 & up 0.25% 0.25%

Certificates of Deposit
Effective Date: Saturday, December 7th, 2019
TermAPRAPY
3 months 0.15% 0.15%
6 months 0.25% 0.25%
12 months 0.45% 0.45%
24 months 0.85% 0.85%
36 months 0.90% 0.90%
48 months 1.00% 1.00%
60 Months 1.10% 1.11%

Automobile and Motorcycles
Effective Date: Saturday, December 7th, 2019
CategoryYear(s)TermAPR* Rates as low as

Automobile

2016- 2019 Up to 61 Months 3.49%

Automobile

2016 - 2019 62 to 73 Months 3.74%

Automobile

2016 - 2019 74 to 84 Months 4.24%

Automobile

2012 - 2015 Up to 61 Months Months 3.74%

Automobile

2012 - 2015 62 to 73 Months Months 4.25%

Automobile

2009 & 2011 Up to 61 Months 4.24%

Automobile

2009 & 2011 62-73 Months 4.99%
Automobile 2008 & Older Up to 37 Months 4.50%
*Annual Percentage Rate. **Apply to purchases only.
Motorcycle Titled Up to 61 Months 4.00%
Motorcycle Titled 73 months 4.50%

Signature Loans
Effective Date: Saturday, December 7th, 2019
Signature LoanTermAPR* Rates as low asExample Payment (on $1,000)
Holiday Loan 13 Months 6.99%  
Signature Loan 14-25 Months 8.25%  
Signature Loan 26-43 Months 9.25%  
Signature Loan 44-60 Months 10.25%  
*Annual Percentage Rate

Home Equity Loan Rates
Effective Date: Saturday, December 7th, 2019
CategoryTermAPR* Rates as low asAPR
Home Equity (Fixed) Up to 90% LTV 60 Months 5.000%  
Home Equity (Fixed) Up to 90% LTV 120 Months 5.500%  
*Annual Percentage Rate APR based on $100,000 loan amount. credit score of 730, and estimated cost of $900 in closing fees
Home Equity (LOC) 6.00% Floor 180 Months 6.000%  

15 Year Fixed 80.01-95.00% LTV is for purchases and no cash out references.

30 Year Fixed requires 20%down payment and is for purchase only.

Credit Cards
MasterCard ClassicMasterCard Gold
Annual Percentage Rate (APR) for Purchases 8.99% 8.99%
Other APRs    
- Balance Transfer APR 8.99% 8.99%
- Cash Advance APR 8.99% 8.99%
- Penalty APR 8.99% 8.99%
Variable Rate Information Your APR will not vary Your APR will not vary
Grace Period for repayment of balances for purchases 25 days on average 25 days on average
Method of computing the balance for purchases Average daily balance (excluding new purchases) Average daily balance (excluding new purchases)
Annual Fee None None
Minimum finance charge None None
Transaction fee for cash advances 0 0
Balance transfer fee 0 0
Late payment fee $25.00 $25.00

Featured Rates
Effective Date: Saturday, December 7th, 2019
Rate as low asTerm
Home Equity Loan 5.000%

60 months

First Mortgage 3.500%

10 year fixed

Certificate of Deposit 0.45%

12 months

Money Market
Effective Date: 11/4/19
AmountAPR* APY**
$2000 -$9,999 0.15% 0.15%
$10,000 - $24,999 0.20% 0.20%
$25,000 -and up 0.25% 0.25%
*Annual Percentage Rate **Annual Percentage Yield

Young Savers (Thru age 21)
Effective Date: 11/4/19
TermAPR*APY**
6 months 0.75% 0.76%
(Minimum deposit of $100. Maximum deposit of $2,500) New Money only
*Annual Percentage Rate **Annual Percentage Yield

SAVE TO WIN
Effective Date: 11/4/19
TermAPR*APY*
12 months 0.40% 0.40%
*Annual Percentage Rate **Annual Percentage Yield

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