Rates
| IRA Share Account | ||
| Effective Date: Monday, February 6th, 2023 | ||
| Amount | APR (Annual Percentage Rate) | APY (Annual Percentage Yield) |
| $250 - $9,999 | 0.15% APR | 0.15% APY |
| $10,000 - $24,999 | 0.20% APR | 0.20% APY |
| $25,000 & up | 0.25% APR | 0.25% APY |
| Certificate Accounts | ||
| Effective Date: Monday, February 6th, 2023 | ||
| Term | APY Compounding | APY Non-Compounding |
| 3 months | 0.05% | 0.05% |
| 6 months | 0.20% | 0.20% |
| 12 months | 0.40% | 0.40% |
| 24 months | 0.50% | 0.50% |
| 36 months | 0.75% | 0.75% |
| 48 months | 0.85% | 0.84% |
| 60 Months | 0.95% | 0.94% |
| APY (Annual Percentage Yield) | ||
| 25 Month Special Non-Renewable | 2.75% | 2.79% |
| Automobile and Motorcycles | |||
| Effective Date: Monday, February 6th, 2023 | |||
| Category | Year(s) | Term | APR (Annual Percentage Rate) based on as low as |
| Automobile | 2020- 2023 | Up to 61 Months | 4.49% APR |
Automobile |
2020 - 2023 | 62 to 73 Months | 5.00% APR |
Automobile |
2020 - 2023 | 74 to 84 Months | 5.50% APR |
Automobile |
2015 - 2019 | Up to 61 Months Months | 4.75 % APR |
Automobile |
2015 - 2019 | 62 to 73 Months Months | 5.25% APR |
Automobile |
2012 - 2014 | Up to 61 Months | 5.25% APR |
Automobile |
2012 - 2014 | 62-73 Months | 5.50% APR |
| Automobile | 2011 & Older | Up to 61 Months | 6.00% APR |
| *Annual Percentage Rate. **Apply to purchases only. | |||
| Motorcycle | Titled | Up to 61 Months | 5.25% APR |
| Motorcycle | Titled | 73 months | 5.50% APR |
| Signature Loans | |||
| Effective Date: Monday, February 6th, 2023 | |||
| Signature Loan | Term | APR (Annual Percentage Rate) Based on as low as | Example Payment (on $1,000) |
| Signature Loan | 14-25 Months | 7.500% APR | |
| Signature Loan | 26-43 Months | 8.250% APR | |
| Signature Loan | 44-60 Months | 9.250% APR | |
| *Annual Percentage Rate | |||
| Signature Loan | 13 Months | 5.99% APR | |
| Home Equity Loan Rates | ||
| Effective Date: Monday, February 6th, 2023 | ||
| Category | Term | APR (Annual Percentage rate) rates as low as |
| Home Equity (Fixed) Up to 95% LTV | 60 Months | 5.25% APR |
| Home Equity (Fixed) Up to 90% LTV | 120 Months | 6.25% APR |
| *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% APR |
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 Classic | MasterCard Gold | |
| Annual Percentage Rate (APR) for Purchases | 8.99% APR | 8.99% APR |
| Other APRs (Annual Percentage Rate) | ||
| - Balance Transfer APR (Annual Percentage Rate) | 8.99% APR | 8.99% APR |
| - Cash Advance APR (Annual Percenatge Rate) | 8.99% APR | 8.99% APR |
| - Penalty APR (Annual Percentage Rate) | 8.99% APR | 8.99% APR |
| Variable Rate Information | Your APR (Annual Percentage Rate) will not vary | Your APR (Annual Percentage Rate) 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 (including new purchases) | Average daily balance (including 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 charged on the 10th day | $25.00 | $25.00 |
| Featured Rates | ||
| Effective Date: Monday, February 6th, 2023 | ||
| Rate as low as | Term | |
| Home Equity Loan | 5.25% APR | 60 months |
| First Mortgage | 4.500% APR | 10 year fixed |
| Certificate of Deposit | 0.40% | 12 months |
| Money Market | ||
| Effective Date: 11/4/19 | ||
| Amount | APR* (Annual Percentage Rate) | APY** (Annual Percentage Rate) |
| $2000 -$9,999 | 0.10% | 0.10% |
| $10,000 - $24,999 | 0.15% | 0.15% |
| $25,000 -and up | 0.20% | 0.20% |
| *Annual Percentage Rate **Annual Percentage Yield | ||
| Young Savers (Thru age 21) | ||
| Effective Date: 11/4/19 | ||
| Term | APR* (Annual Percentage Rate) | APY** (Annual Percentage Rate) |
| 6 months | .40% | 040% |
| (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 | ||
| Term | APR* (Annual Percentage Rate) | APY** (Annual Percentage Rate) |
| 12 months | .40% | .40% |
| *Annual Percentage Rate **Annual Percentage Yield | ||