Rates

Rates Effective October 1, 2014

Loan Rate APR* Term
New Vehicles (2014 - 2015)  

5.25

5.5

6.95

48

60

72

Used Vehicles (2011 - 2014)

5.25

5.50

7.00

5.25

5.50

7.00

48

60

72

Used Vehicles (2006 - 2000)

5.50

6.25

7.50

5.50

6.25

7.50

48

60

72

Vehicles (older than 2005) 6.70

6.70

48

Recreation Vehicles – Motor homes, travel trailers, 5th wheels, horse trailers – (2008 or newer) 6.75 6.75 72
Recreation Vehicles – Motor homes, travel trailers, 5th wheels, horse trailers – (2007 or older) 6.50 6.50 60
Boats, Snowmobiles, Jet Skis, Offroad Motorcycle, ATV, Street Motorcycle

6.50

6.75

6.50

6.75

60

72

Home Equity Line of Credit

2nd Mortgage (home equity fixed rate) 8 year payback

10-12 year pay back

4.50

7.50

7.50

4.50

7.50

7.50

 96
Mobile Home – New to 5 yrs. old 10.00 10.00 144
Mobile Home – Older Used 11.50 11.50 96
Share Secured (base shares) 3.50 3.50 n/a
Share Secured (auxiliary shares) 4.00 4.00 n/a
Personal Loan 11.50 11.50 n/a
Open-End Line of Credit 11.50 11.50 n/a
Overdraft Protection 18.00 18.00 n/a
Savings Dividend Rate APY* Term
Base Shares ($25.00 – $3000.00) 0.10 0.10 n/a
Base Shares ($3000.00 and up) 0.15 0.15 n/a
Auxiliary Shares 0.15 0.15 n/a
IRA Shares ($25.00 – $5000.00) 0.15

0.15

n/a

IRA Shares ($5001.00 – $15,000.00) 0.20 .15% - .18% n/a
IRA Shares (15001.00 and up) 0.25 .18% - .25% n/a
Share Draft (Checking) 0.01 0.01 n/a
Christmas Club 0.25 0.25

 n/a

*APY = Annual Percentage Yield.  Fees may apply.

Certificates of Deposit APY* Term

6 – Month $500.00 – $4,999

$5,000.00 – $9,999

$10,000 and up

0.35

0.45

0.55

6

6

6

12 – Month $500.00 – $4,999

$5,000.00 – $9,999

$10,000 and up

0.50

0.50

0.60

12

12

12

24 Month Call For Rates 24

*APY = Annual Percentage Yield.  Early withdrawal may apply.

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