Rates

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: March 19, 2018

Amount/TermRateAPR
30 DAY MONEY MARKET MIN OF $500.00 .12 .12

CERTIFICATES OF DEPOSIT

Effective: March 21, 2018

Amount/TermRateAPR
CERTIFICATE OF DEPOSIT 91 DAY - $500 MIN. .15 .15
CERTIFICATE OF DEPOSIT 182 DAY - $500 MIN. .18 .18
CERTIFICATE OF DEPOSIT 12 MONTH - $500 MIN. .20 .20
CERTIFICATE OF DEPOSIT 18 MONTH - $500 MIN. .25 .25
CERTIFICATE OF DEPOSIT 24 MONTH - $500 MIN. .35 .35
CERTIFICATE OF DEPOSIT 30 MONTH - $500 MIN. .40 .40

CHECKING WITH INTEREST

Effective: March 21, 2018

Amount/TermRateAPR
CHECKING PLUS $1,500-$9,999.99 .05 .05
CHECKING PLUS $10,000-$24,999.99 .07 .07
CHECKING PLUS $25,000-$49,999.99 .09 .09
CHECKING PLUS OVER $50,000 .11 .11

CHRISTMAS CLUB SAVINGS

Effective: March 21, 2018

Amount/TermRateAPR
CHRISTMAS CLUB SAVINGS NO MINIMUM .10 .10

IRA's

Effective: March 21, 2018

Amount/TermRateAPR
IRA Variable NO MINIMUM .50 .50
IRA 30 Month Certificate NO MINIMUM .50 .50

SHARES

Effective: March 21, 2018

Amount/TermRateAPR
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: March 19, 2018

Amount/TermRateAPR
18, 17, 16 CALL FOR TERM AS LOW AS 2.49% 2.49%
15, 14 CALL FOR TERM AS LOW AS 2.63% 2.63%
13, 12,11 CALL FOR TERM AS LOW AS 4.00% 4.00%
10, 09 CALL FOR TERM AS LOW AS 4.64% 4.64%
08 & OLDER CALL FOR TERM AS LOW AS 4.64% 4.64%
Actual rates may be higher based on your credit history.

OTHER TYPES OF RV'S

Effective: March 19, 2018

Amount/TermRateAPR
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: March 19, 2018

Amount/TermRateAPR
SECURED WITH TITLED COLLATERAL MODEL YEAR 2018-2016 AS LOW AS 2.49% 2.49%
SECURED WITH TITLED COLLATERAL MODEL YEARS 2015 AND OLDER AS LOW AS 2.63% 2.63%
Actual rates may be higher based on your credit history.

FIRST MORTGAGE LOANS

Effective: October 23, 2017

Amount/TermRateAPR
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: October 23, 2017

Amount/TermRateAPR
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: October 23, 2017

Amount/TermRateAPR
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: October 23, 2017

Amount/TermRateAPR
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 1, 2007

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