All loan rates are quoted as an annual percentage rate (APR)*. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions.
**A sample of a repayment schedule does not include taxes and insurance premiums. All loans are subject to approval. Sample repayment schedule: 66 monthly payments of $8.44 at 2.94% APR per $1,000.00 borrowed.
30 DAY MONEY MARKET
Effective: December 3, 2018
| Amount/Term | Rate | APY | |
|---|---|---|---|
| 30 DAY MONEY MARKET | MIN OF $500.00 | .18 | .18 |
CERTIFICATES OF DEPOSIT
Effective: January 22, 2019
| Amount/Term | Rate | APY | |
|---|---|---|---|
| CERTIFICATE OF DEPOSIT | 91 DAY - $500 MIN. | .15 | .15 |
| CERTIFICATE OF DEPOSIT | 182 DAY - $500 MIN. | 1.00 | 1.00 |
| CERTIFICATE OF DEPOSIT | 12 MONTH - $500 MIN. | 1.22 | 1.23 |
| CERTIFICATE OF DEPOSIT | 18 MONTH - $500 MIN. | 1.25 | 1.26 |
| CERTIFICATE OF DEPOSIT | 24 MONTH - $500 MIN. | 1.50 | 1.51 |
| CERTIFICATE OF DEPOSIT | 30 MONTH - $500 MIN. | 1.55 | 1.56 |
CHECKING WITH INTEREST
Effective: December 17, 2018
| Amount/Term | Rate | APY | |
|---|---|---|---|
| CHECKING PLUS | $1,500-$9,999.99 | .07 | .07 |
| CHECKING PLUS | $10,000-$24,999.99 | .010 | .10 |
| CHECKING PLUS | $25,000-$49,999.99 | .11 | .11 |
| CHECKING PLUS | OVER $50,000 | .15 | .15 |
CHRISTMAS CLUB SAVINGS
Effective: December 17, 2018
| Amount/Term | Rate | APY | |
|---|---|---|---|
| CHRISTMAS CLUB SAVINGS | NO MINIMUM | .13 | .13 |
IRA's
Effective: March 21, 2018
| Amount/Term | Rate | APY | |
|---|---|---|---|
| IRA Variable | NO MINIMUM | .50 | .50 |
| IRA 30 Month Certificate | NO MINIMUM | .50 | .50 |
SHARES
Effective: March 21, 2018
| Amount/Term | Rate | APY | |
|---|---|---|---|
| TIERED SHARE(SAVINGS) ACCOUNT | UNDER $2,000 | .05 | .05 |
| TIERED SHARE(SAVINGS) ACCOUNT | OVER $2,000 | .07 | .07 |
CARS, TRUCKS, CYCLES, CAMPERS, AND BOATS
Effective: December 31, 2018
| Amount/Term | Rate | APR | |
|---|---|---|---|
| 19, 18, 17 | CALL FOR TERM | AS LOW AS 4.19% | 4.19% |
| 16, 15 | CALL FOR TERM | AS LOW AS 4.53% | 4.53% |
| 14, 13,12 | CALL FOR TERM | AS LOW AS 4.83% | 4.83% |
| 11, 10 | CALL FOR TERM | AS LOW AS 4.98% | 4.98% |
| 09 & OLDER | CALL FOR TERM | AS LOW AS 4.98% | 4.98% |
Actual rates may be higher based on your credit history.
OTHER TYPES OF RV'S
Effective: December 31, 2018
| Amount/Term | Rate | APR | |
|---|---|---|---|
| SKI JETS, SNOWMOBILES, ATVS | 60 MONTHS MAXIMUM | VEHICLE RATES PLUS 1% | - |
Actual rates may be higher based on your credit history.
COLLATERALIZED (TITLE) LOANS
Effective: December 31, 2018
| Amount/Term | Rate | APR | |
|---|---|---|---|
| SECURED WITH TITLED COLLATERAL | MODEL YEAR 2019-2017 | AS LOW AS 4.19% | 4.19% |
| SECURED WITH TITLED COLLATERAL | MODEL YEARS 2016 AND OLDER | AS LOW AS 4.53% | 4.53% |
Actual rates may be higher based on your credit history.
FIRST MORTGAGE LOANS
Effective: December 31, 2018
| Amount/Term | Rate | APR | |
|---|---|---|---|
| FIXED RATE IN HOUSE LOANS | 15, 10 YRS 80% LTV | CALL FOR RATE | - |
| SECONDARY MARKET | CALL FOR DETAILS | CALL FOR DETAILS | - |
Actual rates may be higher based on your credit history.
HOME EQUITY LOANS
Effective: December 31, 2018
| Amount/Term | Rate | APR | |
|---|---|---|---|
| UP TO 60 MONTHS | $75,000 MAX | Call For Rate | -- |
| 61-180 MONTHS | $75,000 MAX | Call For Rate | -- |
Actual rates may be higher based on your credit history.
SHARE AND CERTIFICATE BACKED LOANS
Effective: December 31, 2018
| Amount/Term | Rate | APR | |
|---|---|---|---|
| CERTIFICATE LOAN | MATURITY OF CERTIFICATE | Call For Rate | - |
| SHARE SECURED | 48 MONTHS | Call For Rate | -- |
Actual rates may be higher based on your credit history.
UNSECURED LOANS
Effective: December 31, 2018
| Amount/Term | Rate | APR | |
|---|---|---|---|
| CLOSED END SIGNATURE | 1 YR AND UNDER | AS LOW AS 9.00% | 9.00% |
| CLOSED END SIGNATURE | OVER 1 YR | AS LOW AS 10.00% | 10.00% |
| OPEN END SIGNATURE | 24 MONTH REVIEW | AS LOW AS 11.00% | 11.00% |
Actual rates may be higher based on your credit history.
FEE SCHEDULE
Effective: December 31, 2018
| CHECKING ACCOUNT | |
|---|---|
| BASIC CHECKING | FREE |
| CHECKING PLUS (OVER $1,500) | FREE |
| CHECKING PLUS (UNDER $1,500) | $5.00 PER MONTH |
| RETURNED CHECK FOR NSF | $23.00 |
| PHOTOCOPY OF CHECK | $5.35 |
| STOP PAYMENT | $12.84 |
| ACH/EFT STOP PAYMENTS | $12.00 |
| TELEPHONE TRANSFERS | FREE |
| OTHER SHARE SAVINGS | |
|---|---|
| NSF RETURN ITEM | $10.00 |
| NSF RETURN ITEM | $23.00 |
| PHOTOCOPY OF CHECK | $5.00 |
| STOP PAYMENT OF CHECK | $12.00 |
| ACH/EFT REVOKE | FREE |
| TELLER CHECK (OTHER PARTY) | $1.00 |
| CASHIERS CHECK | $3.00 |
| OTHER FEES | |
|---|---|
| ACCOUNT ACTIVITY REPORT | $2.00/PG |
| CHECK-CASHING (NON-MEMBERS) | $7.00 |
| MONEY ORDERS ($1,000 MAX) | $1.00 |
| MONEY ORDERS (NON-MEMBERS) | $3.00 |
| ATM/DEBIT CARD (PER YEAR) | FREE |
| ATM/DEBIT REPLACEMENT CARD | $15.00 |
| ATM $ W/D (OVER 10 PER MONTH) | $1.00/EACH |
| ATM/DEBIT CARD RETURN FOR NSF | $23.00 |
| BILL PAYER SERVICE (MANUAL) | $1.00/MONTH |
| BILL PAYER AUTOCASH (ACH/EFT) | $1.00/MONTH |
| ACH/EFT RETURNS FOR NSF | $23.00 |
| VISA TRAVEL MONEY CARD (ATM OR POS) | $4.99 |
| VISA GIFT CARD (POS ONLY) | $9.95 |
| VISA CASH PASSPORT (ATM ONLY) | $5.00 |
| SHARE ACCOUNT CLOSE IN 1ST 60 DAYS | $10.00 |
| EARLY CHRISTMAS CLUB CLOSING | $5.00 |
| RESEARCH FEE (MIN OF $20) | $20.00 |
| RESEARCH FEE (MIN OF $20) | $20.00/HR |
| WIRE FEES | |
|---|---|
| DOMESTIC INCOMING | $15.00 |
| DOMESTIC OUTGOING | $15.00 |
| INTERNATIONAL INCOMING | $25.00 |
| INTERNATIONAL OUTGOING | $25.00 |
| MANUAL REPAIRS | $2.00 |
| TRACES | $10.00 |
| AMENDMENTS | $25.00/EACH |
| RETURNS | $25.00 |
| REVERSALS | $25.00 |
| CANCEL FOREIGN CURRENCY WIRES | $50.00 MIN |
| BILL PAY CHARGES | |
|---|---|
| PER TRANSACTION FEE | FREE |
| NSF OVERDRAFT | $23.00 |