Current Rates
Savings Rates
| Min. Balance to Earn APY | Rate | APY1 | |
|---|---|---|---|
| Regular Savings | $100.00 | 0.10% | 0.10% |
| Saver’s Sweepstakes | None | 0.25% | 0.25% |
| Youth Savings | None | 0.10% | 0.10% |
| Special Savings | None | 0.10% | 0.10% |
| Christmas Club | None | 0.20% | 0.20% |
| Vacation Club | None | 0.20% | 0.20% |
| Individual Retirement Account (IRA)2 | None | 0.20% | 0.20% |
| Educational Savings Account (ESA)2 | None | 0.20% | 0.20% |
| Checking | $750.00 | 0.00% | 0.00% |
1APY = Annual Percentage Yield.
2 Variable Rate Account. Rate and APY may change each dividend period as determined by the Board of Directors. The APYs listed are prospective rates for the current dividend period.
Certificate Rates
| Term | Rate | APY1 |
|---|---|---|
| SPECIAL: 14 Month Certificate *$5,000 minimum deposit | 4.169% | 4.25% |
| 3 Month Certificate | 0.995% | 1.00% |
| 6 Month Certificate | 1.144% | 1.15% |
| 12 Month Certificate | 2.716% | 2.75% |
| 18 Month Certificate | 2.813% | 2.85% |
| 24 Month Certificate | 2.960% | 3.00% |
| 36 Month Certificate | 3.203% | 3.25% |
| 48 Month Certificate | 3.203% | 3.25% |
1APY = Annual Percentage Yield. The minimum balance required to obtain the APY for a certificate is $2,000. The minimum balance required to obtain the APY for children under the age of 18 is $1,000. Rates subject to change daily.
Money Market Rates
| Amount | Rate | APY1 |
|---|---|---|
| $0 – $2,499 | 0.00% | 0.00% |
| $2,500 – $9,999 | 0.20% | 0.20% |
| $10,000 – $24,999 | 0.35% | 0.35% |
| $25,000 – $49,999 | 0.40% | 0.40% |
| $50,000 – $99,999 | 0.50% | 0.50% |
| $100,000 + | 0.85% | 0.85% |
1APY = Annual Percentage Yield. No minimum balance required. Minimum to open is $2,500. Rates subject to change daily.
Vehicle Loan Rates
| Term | 2021 + newer models APR1 as low as | 2018 – 2020 models APR1 as low as | 2017 + older models APR1 as low as |
|---|---|---|---|
| 36 Months | 4.49% | 5.99% | 7.49% |
| 48 – 60 Months | 4.49% | 5.99% | 7.49% |
| 72 Months (2022 + newer only) | 4.49% | 5.99% | 7.49% |
| 84 Months (2022 + newer only) | 5.74% | N/A | N/A |
1APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Home Loan Rates
| Loan Type | Term | APR1 as low as | Loan to Value (LTV) |
|---|---|---|---|
| Fixed Rate Mortgage | 30 Year | 6.875% | Up to 85% |
| Fixed Rate Mortgage | 15 Year | 5.740% | Up to 85% |
| Fixed Rate Mortgage | 10 Year | 5.740% | Up to 85% |
| Home Equity Line of Credit (variable rate – changes quarterly to Prime Rate) | Line of Credit | Prime Rate | Up to 80% |
| Home Equity Second Mortgage | 5 Year Balloon | 5.99% | Up to 80% |
| Construction Loan | Up to 12 Months | 5.99% | Up to 85% of cost or 80% of appraised value, whichever is less |
| Land Loan | Up to 60 Month Balloon | 1% over Home Equity Loan Rate | Up to 80% |
| Lot Loan | Up to 60 Month Balloon | .50% over Home Equity Loan Rate | Up to 80% |
| FHA, VA, USDA Mortgages | Term Options Vary | Rates Change Daily | LTV Requirements Vary |
1APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Visa® Credit Card Rates
| Credit Card Type | APR1 as low as |
|---|---|
| Visa® Rewards Credit Card | 9.90% |
| Visa® Secured Credit Card | 9.90% |
1APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Personal Loan Rates
| Loan Type | APR1 as low as |
|---|---|
| Personal Loan | 10.49% |
| No Credit Check Personal Loan (available Nov – Dec only) | 10.49% |
1APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Savings + Certificate Secured Loan Rates
| Loan Type | Term | APR1 as low as |
|---|---|---|
| Savings Secured Loan | Varies | 3.00% |
| Certificate Secured Loan | Same as Certificate | 2.00% over Certificate Rate |
1APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Kwik Cash Emergency Line of Credit Rates
| Loan Type | APR1 as low as |
|---|---|
| Kwik Cash Emergency Line of Credit (variable rate – changes quarterly to Prime Rate) | 12.90% |
1APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.