Rates

IRA Share Account
Effective Date: Monday, February 6th, 2023
AmountAPR (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
TermAPY CompoundingAPY 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
CategoryYear(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 LoanTermAPR (Annual Percentage Rate) Based on as low asExample 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
CategoryTermAPR (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 ClassicMasterCard 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 asTerm
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
AmountAPR* (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
TermAPR* (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
TermAPR* (Annual Percentage Rate)APY** (Annual Percentage Rate)
12 months .40% .40%
*Annual Percentage Rate **Annual Percentage Yield

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