Rates

Effective January 2017

Share/Savings Accounts

Christmas Club and Summer Club .40% Div. Rate .40% APY *

Share Accounts
Tiered levels of earnings starting at $250 .05% -.50% Div. Rate .05% -.50% APY *

Share Certificate Accounts
6 months/12 months   1.30%/1.50% Rate   1.30%/1.50% APY *
6 months/12 months- Jumbo $99,000+ 1.50%/1.50% Rate 1.75%/1.75% APY *
Share Savings accounts subject to withdrawal fee after 6 withdrawals or transfers.

Loan Accounts: All loan requests subject to approval based on credit rating, debt ratio, policy guidelines.

 Signature Loans 7.9% – 15.9% APR up to 48 months
  $300 Minimum  $10000 Maximum up to 10% of gross annual income.

Share-Secured Loans
Full available balance in shares 2.5% -3.15% APR up to 72 months
                                                                                      (2 % above Share dividend rate)

Vehicle Loans
New or Used autos, trucks, motorcycles as low as 2.9% -12.25% APR 24 – 72 months
                                                  Loan up to 100% MSRP plus GAP and Extended Warranty
                                          Reduce posted rates- Ask about interest rate relationship pricing offer

Home Equity Lines of Credit
Primary residence 6.25%  – 12.75% APR up to 144 months
  $5000 Minimum  $50000 Maximum 80% total LTV

Recreational Vehicle Loans
Campers, Boats, ATV, farm equipment as low as 4.00% – 15.25% APR 24 – 120 months
All rates subject to change without notice. Contact our office for a complete listing of savings, loans, rates and terms.  All loan requests subject to approval based on credit rating, debt ratio, policy guidelines, $15 loan application fee and $100 HELOC application fee.

LOAN APPLICATION TO PRINT, FILL OUT, SIGN AND RETURN