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Rates

Dividend Rates

Rates effective 04/01/2016
Account Type Annual Percentage Yield
Certificate - 1 year 1.00%
High Yield 0.50%
Shares 0.25%
Sharedraft 0.15%
X-Mas Savings 0.50%
Dividends and annual percentage yields may change monthly, as determined by the Board of Directors. Rates are subject to change after account is opened. Penalties may be imposed on early withdrawals, as applicable.

Loan Rates

Rates effective 04/01/2016
Loan Type Term APR*
Home Equity    
 80% of equity
 $500,000 (1st position)
25 Years 3.00%**
 100% of equity
 $150,000 (2nd position)
25 Years 3.75%**
 **This is an adjustable rate.
New Auto Term APR*
 100% of invoice 4 Years 2.00%
5 Years 3.00%
6 Years 3.00%
7 Years 3.50%
Used Auto Term APR*
  Vehicles up to 6 years 4.00%
Signature Term APR*
$30,000 5 Years 5.00%
Line of Credit APR*
$20,000   9.00%
New Boats
 100% of Invoice
7 Years 4.00%
Used Boats
 Nada boat appraisal
5 Years 5.00%
Real Estate
 (Raw Land Only) 80% of Appraisal
15 Years 7.00%
Water Heating 6 Years 3.00%
PV Loans 10 Years 2.00%
Share Secuted Loan Term APR*
  5 Years 1.50% Over Share Rate
  12 Years 2.50% Over Share Rate
*APR = Annual Percentage Rate. All rates subject to change without notice.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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