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   .90/1.00 Rate   .90/1.00 APY *
6 months/12 months- Jumbo $99,000+ 1.05/1.15 Rate 1.05/1.16 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 2.4 -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 5.25  – 10.75 APR up to 144 months
  $5000 Minimum  $50000 Maximum 80% total LTV

Recreational Vehicle Loans
Campers, Boats, ATV, farm equipment 4.50 – 15.25 APR 24 – 120 months
Contact our office for a complete listing of loans, rates and terms.  All loan requests subject to approval based on credit rating, debt ratio, policy guidelines, $12 loan application fee and $100 HELOC application fee.

LOAN APPLICATION TO PRINT, FILL OUT, SIGN AND RETURN