Rates

Today’s Rates

Loan Rates

Closed-End LoansTermAPR* as Low as
Auto Loan (New, 125% Financing or Maximum $5,000.00 above Retail)12-36 Months1.70%
Auto Loan (New, 125% Financing or Maximum $5,000.00 above Retail)37-48 Months1.90%
Auto Loan (New, 125% Financing or Maximum $5,000.00 above Retail)49-60 Months2.30%
Auto Loan (New, 125% Financing or Maximum $5,000.00 above Retail)61-72 Months2.70%
Auto Loan (New, 125% Financing or Maximum $5,000.00 above Retail)73-84 Months3.14%
Auto Loan (Used, 2012-2018)36 Months2.40%
Auto Loan (Used, 2012-2018)48 Months2.60%
Auto Loan (Used, 2012-2018)60 Months2.80%
Auto Loan (Used, 2012-2018 > $10,000.00)72 Months3.40%
Auto Loan (Used, 2012-2018 > $20,000.00)84 Months3.99%
Auto Loan (Used, 2009-2011)60 Months2.80%
Auto Loan (Used, 2009-2011 > $10,000)72 Months3.99%
Auto Loan (Used, Older than 2009)60 Months4.50%
Boat, Trailer, Pop-Up, or Camper Loan (New)12-60 Months5.30%
Boat, Trailer, Pop-Up, or Camper Loan (New)72 Months6.30%
Trailer, Pop-Up, or Camper Loan (New > $10,000.00)84 Months8.05%
Boat, Trailer, Pop-Up, or Camper Loan (Used 2012-2018)12-60 Months6.30%
Boat, Trailer, Pop-Up, or Camper Loan (Used 2012-2018)72 Months7.99%
Boat, Trailer, Pop-Up, or Camper Loan (Older than 2012)60 Months6.75%
Business Loan (School Bus - New or Used, 80% LTV)12-144 MonthsPrime+2 to Prime+5
Business Loan (New Auto, 80% - 100% LTV)12-60 MonthsConsumer rate +1 to +5
Business Loan (New Auto, 80% - 100% LTV)61-72 MonthsConsumer rate +1 to +5
Business Loan (New Auto, 80% - 100% LTV)73-84 MonthsConsumer rate +1 to +5
Business Loan (Used Auto 2012-2018, 80% - 100% LTV)12-60 MonthsConsumer rate +1 to +5
Business Loan (Used Auto 2012-2018, 80% - 100% LTV)61-72 MonthsConsumer rate +1 to +5
Business Loan (Used Auto 2012-2018, 80% - 100% LTV)73-84 MonthsConsumer rate +1 to +5
Business Loan (Used Auto Older than 2012, 80% - 100% LTV)12-60 MonthsConsumer rate +1 to +5
Business Loan (Equipment, 80% LTV)12-60 MonthsPrime +2 to Prime +5
Business Loan (Equipment, 80% LTV)61-144 MonthsPrime +2 to Prime +5
Business Loan (Rental Property, 80% LTV)180 Months6.50%
Christmas Loan (Oct. 1-Jan. 31, Maximum $3,000.00, w/ toy)12 Months2.49%
Christmas Loan (Oct. 1-Jan. 31, Maximum $3,000.00, w/toy)24 Months2.99%
Christmas Loan (Oct. 1-Jan. 31, Maximum $3,000.00, w/toy)36 Months3.49%
Computer, Laptop, Tablet or iPad Loan (Maximum $2,000.00)12-36 Months4.99%
Money Maker Money Market Secured LoanUp to 60 Months3.30% to 3.60%
Money Maker Money Market Secured Loan61-120 Months4.30% to 4.60%
Motor Cycle Loan (New and Used)12-84 Months0.50% greater than New or Used Vehicle
Off Road/ATV, Dirt Bike, Jet Ski, or Snowmobile Loan (New)12-60 Months5.30%
Off Road/ATV, Dirt Bike, Jet Ski, or Snowmobile Loan (New)72 Months5.99%
Off Road/ATV, Dirt Bike, Jet Ski, or Snowmobile Loan (Used)12-60 Months6.30%
Off Road/ATV, Dirt Bike, Jet Ski, or Snowmobile Loan (Used)72 Months6.99%
Signature Loan12 Months 7.99%
Signature Loan24 Months8.24%
Signature Loan36 Months8.39%
Signature Loan48 Months8.64%
Signature Loan60 Months8.99%
Motor Home Loan (New, 80% Financing)12-144 Months7.30%
Motor Home Loan (Used 2009-2018, 80% Financing)12-144 Months7.55%
Motor Home Loan (Older than 2009, 80% Financing)12-120 Months8.54% 
Share Secured LoanUp to 60 Months3.25%
Share Secured Loan61-120 Months4.25%
Share Certificate Secured LoanUp to 60 MonthsIf loan ends before CT matures, 3.00% above CT rate
Share Certificate Secured LoanUp to 60 MonthsIf loan ends after CT matures, 4.00% above CT rate
Special Spring/Summer Loan (Feb. 1-Sept. 30, Maximum $3,000.00)12 Months 3.49%
Special Spring/Summer Loan (Feb. 1-Sept. 30, Maximum $3,000.00) 24 Months3.99%
Special Spring/Summer Loan (Feb. 1-Sept. 30, Maximum $3,000.00) 36 Months4.49%
UCC Secured Bobcat, Tractor, Etc. Loan (New, Signature)12-60 Months5.30%
UCC Secured Bobcat, Tractor, Etc. Loan (New, Signature)72 Months5.99%
UCC Secured Bobcat, Tractor, Etc. Loan (Used, Signature)12-60 Months6.30%
UCC Secured Bobcat, Tractor, Etc. Loan (Used, Signature)72 Months6.99%
Vacation Loan (Feb. 1-Sept. 30, Maximum $3,000.00)12 Months3.49%
Vacation Loan (Feb. 1-Sept. 30, Maximum $3,000.00)24 Months3.99%
Vacation Loan (Feb. 1-Sept. 30, Maximum $3,000.00)36 Months4.49%
VISA Credit Card Loan (No Annual Fee)N/A9.50%

*APR = Annual Percentage Rate. Rates and terms are accurate as of June 1, 2018 and subject to change without notice. Risk based lending rules apply. Per $1,000.00 borrowed, the approximate monthly payment is $17.33 at 1.55% APR for 60 months, assuming credit life and disability insurance is not elected. Please call today for specific financing terms.

Real Estate Loan Rates

Real Estate LoansTermAPR* as Low as
First MortgageSelect the link to the leftSelect the link to the left
Second Mortgage - Junior Lien5 Years3.30%
Second Mortgage - Junior Lien10 Years4.55%
Second Mortgage - Junior Lien15 Years4.80%
Home Equity - 1st Lien (Maximum $75,000.00)5 Years2.75%
Home Equity - 1st Lien (Maximum $75,000.00)10 Years3.25%
Home Equity - 2nd or Junior Lien (Maximum $50,000.00)5 Years3.55%
Home Equity - 2nd or Junior Lien (Maximum $50,000.00)10 Years4.55%

APR = Annual Percentage Rate. Rates and terms are accurate as of June 1, 2018 and subject to change without notice. Mortgage and Home Equity Loans are approved for 80% of the appraised value of the primary residence, minus any current liens against the property. Risk based lending rules apply. Per $1,000.00 borrowed, the approximate monthly payment is $17.66 at 2.30% APR for 60 months, assuming credit life and disability insurance is not elected. Please call today for specific financing terms.

Any interest on a portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Please consult a tax adviser for further information regarding the deductibility of interest and charges.

Share Savings Rates

Share Savings AccountsDividendAPY*Term
Regular Shares $5.00 - $10,000.00, ($5.00 minimum deposit required)0.300%0.300%n/a
Regular Shares $10,000.01 - $50,000.000.350%0.351%n/a
Regular Shares $50,000.00 and greater)0.400%0.401%n/a
Share Draft Account 0.00%0.00%n/a
Interest Bearing Share Draft Account $2,500.00 and greater)0.150%0.150%n/a
Christmas Club Account0.300%0.300%n/a
Summer Savings Account0.300%0.300%n/a
Vacation Club Account0.300%0.300%n/a
Money Market Account  - Tiered ($2,500.00 minimum deposit required)
$2,500.00 - $15,000.000.400%0.401%n/a
$15,000.01 - $30,000.000.450%0.451%n/a
$30,000.01 - $75,000.000.550%0.551%n/a
$75,000.01 - $150,000.000.650%0.652%
$150,000.01 - $250,000.000.800%0.803%
$250,000.00 and greater0.950%0.954%n/a

APY = Annual Percentage Yield. Rates accurate as of June 1, 2018. A $5.00 deposit is required to open this account and earn the advertised APY. Savings dividends are calculated on the average daily balance and compounded and posted monthly. Fees, if any, may reduce earnings. Rates are subject to change without notice. Club accounts may be subject to an early withdrawal penalty.

Share Certificate Rates

Share CertificatesDividendAPY*Term
Individual Retirement Accounts - IRAs1.500%1.510%n/a
Share Certificate  6-Month Term (Minimum Deposit $500.00)1.000%1.005%6 Months
Share Certificate 12-Month Term (Minimum Deposit $500.00)1.250%1.257%12 Months
Share Certificate 18-Month Term (Minimum Deposit $500.00)1.500%1.510%18 Months
Share Certificate 24-Month Term $500.00 - $50,000.001.700%1.713%24 Months
Share Certificate 24-Month Term $50,000.01 -
< $100,000.00
1.750%1.764%24 Months
Share Certificate 24-Month Term
> $100,000.00
1.800%1.815%24 Months
Share Certificate 36-Month Term $500.00 - $50,000.001.900%1.917%36 Months
Share Certificate 36-Month Term $50,000.01 - $100,000.001.950%1.968%36 Months
Share Certificate 36-Month Term
> $100,000.00
2.000%2.018%36 Months
Share Certificate 48-Month Term $500.00 - $50,000.002.150%2.171%48 Months
Share Certificate 48-Month Term $50,000.01 - $100,000.002.250%2.273%48 Months
Share Certificate 48-Month Term
> $100,000.00
2.350%2.375%48 Months
Share Certificate 60-Month Term $500.00 - $50,000.002.500%2.529%60 Months
Share Certificate 60-Month Term $50,000.00 - $100,000.002.750%2.785%60 Months
Share Certificate 60-Month Term
> $100,000.00
2.950%2.990%60 Months

APY = Annual Percentage Yield. Minimum balance of $500.00 required. Rates accurate as of June 1, 2018, and subject to change without notice. A $5.00 deposit is required to open this account and earn the advertised APY. APY is fixed for the term of the certificate. Share certificate dividends are calculated on the average daily balance, and compounded and posted monthly. Fees, if any, may reduce earnings. Yield applies when dividend is reinvested into the account. A penalty of 90 days worth of interest may be imposed for early withdrawal of 6 or 12 month certificates. A penalty of 180 days worth of interest may be imposed for early withdrawal of 18, 24, 36, 48 or 60 month certificates.

Home Equity Line of Credit

Open-End LoanAPR* as Low as
Home Equity Line of Credit (HELOC)5.50%

*Annual Percentage Rate based on January 2018 prime rate plus 1%. This is a variable rate and is subject to change monthly with a cap set at .50% per change. The maximum rate that may be charged is 5% above the initial rate. Line of credit is equal to 80% of appraised home value less amount of any existing liens. Payments will be calculated on a 120 month amortization. The minimum payment amount is $100.00. Payment is subject to change annually in December and will only adjust upward. A $75.00 application fee and $50.00 annual fee will apply. Further restrictions and requirements may apply.