Account Type Dividend Rate  APY* Dividend Paid  Deposit Amount 
Shares
  0.10% 0.10% Quarterly $25.00 - $2,499.00**
  0.20% 0.20% Quarterly $2,500.00 - $49,999.00** 
  0.30% 0.30% Quarterly $50,000.00 and over**
Checking
  0.05% 0.05% Monthly $100.00$25.00**
Money Market
  0.25% 0.25% Monthly $2,500.00 - $24.999.00** 
  0.35% 0.35% Monthly $25,000.00 - $49,999.00** 
  0.40% 0.40% Monthly $50,000.00 and over**

Certificate Type Dividend Rate  APY* Dividend Paid  Minimum Deposit**
Term Share Certificates
6 Months 0.45% 0.45% At Maturity $1,000.00
1 Year 0.55% 0.55% Quarterly $1,000.00
18 Months 0.70% 0.70% Quarterly $1,000.00
2 Years 0.80% 0.80% Quarterly $1,000.00
2 1/2 Years 1.05% 1.05% Quarterly $1,000.00
3 Years 1.30% 1.30% Quarterly $1,000.00
4 Years 1.60% 1.60% Quarterly $1,000.00
5 Years 2.00% 2.00% Quarterly $1,000.00
 
IRA Term Share Certificates
1 Year

0.55%

 0.55% Quarterly $1,000.00
18 Months 0.70% 0.70% Quarterly $1,000.00
2 Years 0.80% 0.80% Quarterly $1,000.00
2 1/2 Years 1.05% 1.05% Quarterly $1,000.00
3 Years 1.29% 1.30% Quarterly $1,000.00
4 Years 1.59% 1.60% Quarterly $1,000.00
5 Years 1.98% 2.00% Quarterly $1,000.00
 
IRA Share Account
  0.35% 0.35% Quarterly $25.00

Loan Type

Limits

Term

Security

Rate

Share Secured

100% of Shares

up to 5 Years

Shares

3% over share rate or 5 year treasury rate whichever is higher

Loan Type Limits Term Security Rates Starting From
Personal
  $0 - $7,500 up to 36 Months  Own Signature  7.750%
  $7,501 - $15,000 up to 60 Months  Co-Maker  8.250%
New Car, Truck, Van  
  100% of Purchase  up to 36 Months  Title 2.500%
  100% of Purchase  up to 48 Months  Title 2.875%
  100% of Purchase  up to 60 Months  Title 2.950%
Used Car, Truck, Van   
  90% of NADA Value  up to 36 Months  Title 2.500%
  90% of NADA Value up to 48 Months  Title 2.875%
  90% of NADA Value up to 60 Months  Title 2.950%
Vehicle Refinancing   
  Available For the remainder of original loan term   
Commercial Vehicles   
  80% up to $100,000  up to 72 Months  Title 8.250%
Commercial Mortgages   
 

Non ownwer occupied

(Invesment Property, Business Property (Store Front))

10 Year Ballon or 12 Year Fixed 0 Points

 6.000%

Loan Type Limits Term Security Rate APR*
Mortgage
House or Condominium  Up to 80% Financing  30 yrs. 2pts  Mortgage Note  4.750% 5.006%
1-4 Family  up to $450,000 30 yrs. 1 pt.  Mortgage Note  4.875% 5.043%
Owner Occupied  30 yrs. 0 pt.  Mortgage Note  5.125% 5.205%
   
  20 yrs. 2 pts.  Mortgage Note  4.750% 5.099%
  20 yrs. 1 pt.  Mortgage Note  4.875% 5.103%
  20 yrs. 0 pt.  Mortgage Note  5.125% 5.233%
   
  15 yrs. 2 pts.  Mortgage Note  4.750% 5.214%
  15 yrs. 1 pt.  Mortgage Note  5.000% 5.313%
  15 yrs. 0 pt.  Mortgage Note  5.250% 5.412%
   
  10 yrs. 2 pts.  Mortgage Note  4.750% 5.415%
  10 yrs. 1 pt.  Mortgage Note  5.000% 5.447%
    10 yrs. 0 pt.  Mortgage Note  5.250% 5.481%

Loan Type

Limits

Term

Security

Rates Starting From

Home Equity Loan

Up to 80% of Equity

5 year

Promissory Note

4.000%

Up to $300,000

10 year

Promissory Note

4.500%

Home Equity Line of Credit (HELOC)***

Up to 80% of Equity

up to $150,000

Term determined by

amount borrowed

Promissory Note

3.50%

Prime Rate + .25%

Commercial Home Equity Line of Credit (HELOC)***

Up to 70% of Equity

up to $150,000

Term determined by

amount borrowed

Promissory Note

4.00%

Prime Rate + 0.75%

* APR = Annual Percentage Rate
** Minimum Balance to Earn APY
*** Adjustable Rate Mortgage
Our rates are subject to change without notice.
Your loan rate is locked in for 30 days from the date of application.