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Rates
 

Deposit Rates

SavingsEffective: January 1, 2014
Minimum Balance Dividend Rate APY1
$5 .15% .15%
1APY = annual percentage yield.

Money Market PlusEffective: January 1, 2014
Minimum Balance Dividend Rate APY1
$500 .15% .15%
$10,000 .15% .15%
$25,000 .20% .20%
$50,000 .20% .20%
1APY = annual percentage yield.

Certificates2Effective: January 1, 2014
Term Minimum Balance Dividend Rate APY1
3 to 5 Month $500 0.15% 0.15%
6 to 11 Month and 6 to 11 Month Easy Saver3 $500 0.20% 0.20%
12 to 17 Month Flex $500 0.20% 0.20%
12 to 17 Month $500 0.30% 0.30%
18 to 23 Month $500 0.40% 0.40%
24 to 35 Month $500 0.65% 0.65%
36 to 47 Month $500 1.00% 1.01%
48 to 59 Month $500 1.20% 1.21%
60 Month $500 1.56% 1.57%
1APY = annual percentage yield.
2Penalty for early withdrawal. Minimum opening balance of $500. Fees could reduce earnings. Please contact Financial Services Dept., at 800-562-5611 for further information on applicable fees and terms.
3$10,000 maximum balance, no limits to add-ons.

IRA Certificates2Effective: January 1, 2014
Term Minimum Balance Dividend Rate APY1
12 to 17 Month Flex $500 0.20% 0.20%
12 to 17 Month $500 0.30% 0.30%
18 to 23 Month $500 0.40% 0.40%
24 to 35 Month $500 0.65% 0.65%
36 to 47 Month $500 1.00% 1.01%
48 to 59 Month $500 1.20% 1.21%
60 Month $500 1.56% 1.57%
1APY = annual percentage yield.
2Penalty for early withdrawal. Minimum opening balance of $500. Fees could reduce earnings. Please contact Financial Services Dept., at 800-562-5611 for further information on applicable fees and terms.
IRA SharesEffective: January 1, 2014
Minimum Balance Dividend Rate APY1
$5 .15% .15%
1APY = annual percentage yield.



Business Accounts
Business SavingsEffective: January 1, 2014
Minimum Balance Dividend Rate APY1
$5 0.15% .15%
1APY = annual percentage yield.

Business CheckingEffective: January 1, 2014
Minimum Balance Dividend Rate APY1
Small Business Checking $0 .10% .10%
Premium Business Checking $1500 .15% .15%
Premium Business Checking $10,000 .15% .15%
Premium Business Checking $50,000 .20% .20%
1APY = annual percentage yield.




Loan Rates
AutoEffective: 9/28/12
Term APR as low as1
New Vehicle Up to 84 months 2.24%
Used Vehicle Up to 84 months 2.74%
1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
Credit CardsEffective: 4/1/2012
APR as low as1
Visa Platinum 4.90%2
Visa Platinum with Rewards 4.90%2
1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
26 month introductory rate offer.
Boats & RVsEffective: 5/24/2013
Term APR as low as1
Up to 144 months 5.59%
1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
Motorcycle, 4-wheeler, Jet-SkiEffective: 05/24/2013
Term APR as low as1
Up to 84 months 5.94%
1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
Share Secured LoanEffective: 4/1/2012
Term APR
Up to 12 years 2.15%1
1Based on 2% above previous month’s share rate.
Personal Line of CreditEffective: 4/1/2012
APR as low as1
Personal Line of Credit 9.75%
1APY = annual percentage yield.



Home Loan Rates

1st Mortgages
Rates change daily, visit our online loan center for a list of all 1st mortgage current rates.
 

  Current Rates

Home EquityEffective: 4/1/2012
Term APR as low as2
Home Equity Line of Credit1   4.00%3
Home Equity 5 Year 4.99%4
Home Equity 20 year 6.99%5
1Variable rate is based on the Prime Rate plus a margin as published in the Money Rates column of the Wall Street Journal. Your margin is based on your creditworthiness. Rates for the Home Equity Line of Credit vary based on the equity in your home. Rate can change monthly.
2Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
3Variable rate, 0% down, Maximum $250,000.
4Fixed rate, 0% down, Maximum $50,000.
5Fixed rate, 0% down, Maximum $250,000.

Land LoanEffective: 4/1/2012
APR as low as1
Land Loan 8.25%2
1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
220% down, Fixed rate, 15 Year, Maximum $150,000.



Truth in Savings
All rates are subject to change without notice, restrictions apply.