Rates

IRA Share Account
Effective Date: Monday, November 19th, 2018
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: Monday, November 19th, 2018
TermAPRAPY
3 months 0.15% 0.15%
6 months 0.25% 0.25%
12 months 0.45% 0.45%
24 months 0.75% 0.75%
36 months 0.95% 0.95%
48 months 1.10% 1.11%
60 months Special 2.50% 2.53%
25 months Special 2.00% 2.02%

Automobile and Motorcycles
Effective Date: Monday, November 19th, 2018
CategoryYear(s)TermAPR* Rates as low as

Automobile

2015- 2019 Up to 61 Months 2.75%

Automobile

2015 - 2019 62 to 73 Months 3.25%

Automobile

2017 - 2019 74 to 84 Months 3.75%

Automobile

2009 - 2014 Up to 61 Months Months 3.75%

Automobile

2009 - 2014 62 to 73 Months Months 4.25%

Automobile

2008 & Older Up to 37 Months 4.25%

Automobile

2008 & Older Up to 61 Months 4.75%
*Annual Percentage Rate. **Apply to purchases only.
Motorcycles** Titled Up to 61 Months 3.75%
Motorcycles** Titled 73 Months 4.25%

Signature Loans
Effective Date: Monday, November 19th, 2018
Signature LoanTermAPR* Rates as low asExample Payment (on $1,000)
Holiday Signature Loan up 13 Months 5.99%  
Signature Loan 14-25 Months 7.75%  
Signature Loan 26-43 Months 8.75%  
Signature Loan 44-60 Months 9.75%  
*Annual Percentage Rate

Home Equity Loan Rates
Effective Date: Monday, November 19th, 2018
CategoryTermAPR* Rates as low asAPR
Home Equity (Fixed) Up to 90% LTV 60 Months 4.50%  
Home Equity (Fixed) Up to 90% LTV 120 Months 5.75%  
*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 6.00%  

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: Monday, November 19th, 2018
Rate as low asTerm
Home Equity Loan 4.50%

60 months

First Mortgage 4.00%

10 year fixed

Certificate of Deposit 0.45%

12 months

Money Market
Effective Date: 03/01/2011
AmountAPR* APY**
$2000 -$9,999 0.15% 0.15%
$10,000 - $24,999 .20% .20%
$25,000 -and up .25% .25%
*Annual Percentage Rate **Annual Percentage Yield

Young Savers (Thru age 21)
Effective Date: 03/01/2011
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: 03/01/2011
TermAPR*APY*
12 months 0.40% 0.40%
*Annual Percentage Rate **Annual Percentage Yield

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