Rates

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NOTE: “APR” is Annual Percentage Rate

Loan Rates - Effective Thursday, October 22, 2020
Loan TypeAPR's as low asTerms/Information
EMERGENCY PERSONAL LOAN1.990%$28.64 per $1,000 borrowed.
New Vehicle 2019-2020 63 mths2.990%$17.18 per $1,000 borrowed
New Vehicle 2019-2020 75 mths3.390%$14.82 per $1,000 borrowed
New Vehicle 2019-2020 84 mths4.390%$13.86 per $1000 borrowed
Used Vehicle 2016-2018 63 mths3.490%$17.40 per $1,000 borrowed
Used Vehicle 2016-2018 75 mths3.990%$15.09 per $1,000 borrowed
Used Vehicle 2012-2015 63 mths3.740%$17.51 per $1,000 borrowed
Used Vehicle 2011 & older 48mo4.240%$22.69 per $1,000 borrowed
Unsecured Loan up to 36 months8.900%$31.77 per $1,000 borrowed
Unsecured Loan up to 48 months9.900%$25.43 per $1000 borrowed
Kwik Cash LOC-Less Than $1,00021.900%
Kwik Cash Line of Credit15.900%
Share Secured Loan3.250%
Home Equity Loan 60 months3.690%$18.28 per $1,000 borrowed
Home Equity Loan 84 months4.190%$13.77 per $1,000 borrowed
Home Equity Loan 120 months4.440%$10.34 per $1,000 borrowed
Home Equity Loan 180 months5.440%$8.15 per $1,000 borrowed
Home Equity Line of Credit4.000%Prime Rate
Powersports, less than $10,0005.290%$19.01 per $1000 borrowed
Powersports, $10,000 or greatr5.540%$16.37 PER $1000 borrowed
Boat, RV's & Campers < $10,0004.490%$18.65 PER $1000 borrowed
Boats, RV's & Campers $10,000+5.590%$14.42 PER $1000 borrowed
Boats, RV's & Campers $20,000+6.640%$11.43 PER $1000 borrowed
VISA GOLD0.000%
VISA CLASSIC0.000%

Actual rate may vary based on credit score and loan-to- value ratio of collateral securing the loan. Disclosed rates are based on 740 plus credit score. Other rates and terms are available. New vehicle means not previously titled. Subject to credit approval. Other restrictions may apply. Home Equity Loans and HELOC’s-Closing costs range from $200-$250. Disclosed rates are available on owner-occupied homes with 90% LTV and credit score 700 plus. Other rates and terms are available.
For HELOC loans, the rate is based on the Bank Prime Rate as published in the Money Rates Listing in theWall Street Journal on the last business day of each month subject to change monthly and no margin. The APR will not exceed 12% fall below 4.00%. Subject to credit approval. Some restrictions may apply.

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NOTE: “APY” is  Annual Percentage Yield

Savings Rates - Effective Tuesday, September 1, 2020
APYMinimum
Deposit
Minimum
Balance
FREEDOM CHECKING0.000%$0.00$0.00
FRESH START CHECKING0.000%$0.00$0.00
PREMIUM CHECKING0.050%$0.00$200.00
PREMIUM CHECKING0.100%$0.00$5,000.00
PREMIUM CHECKING0.150%$0.00$10,000.00
SUPREME CHECKING0.100%$0.00$100.00
SUPREME CHECKING0.100%$0.00$1,500.00
MONEY MARKET PLUS0.100%$0.00$100.00
MONEY MARKET PLUS0.200%$0.00$10,000.00
MONEY MARKET PLUS0.300%$0.00$25,000.00
MONEY MARKET PLUS0.400%$0.00$100,000.00
HOLIDAY CLUB0.100%$0.00$0.00
DREAM ACCOUNT0.100%$0.00$0.00
SUB SHARES0.100%$0.00$100.00
HEALTH SAVINGS ACCT0.300%$0.00$0.00
TRADITIONAL IRA-FIXED RATE0.150%$0.00$0.00
TRADITIONAL IRA-VARIABLE RATE0.150%$0.00$0.00
ROTH IRA-FIXED RATE0.150%$0.00$0.00
ROTH IRA-VARIABLE RATE0.150%$0.00$0.00

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Certificate Rates - Effective Thursday, October 22, 2020
Certificate TermAPYMinimum Deposit
3 MONTH CERTIFICATE0.200%$500.00
6 MONTH CD0.300%$500.00
12 MONTH CD0.500%$500.00
14 MONTH CD SPECIAL0.550%$500.00
18 MONTH CD0.550%$500.00
24 MONTH CD0.600%$500.00
27 MONTH CD SPECIAL0.650%$500.00
36 MONTH CD0.700%$500.00
39 MONTH CD SPECIAL0.700%$500.00
SAVER'S SWEEPSTAKES0.100%$5.00
12 MO TRAD IRA0.500%$500.00
24 MO TRAD IRA0.600%$500.00
27 MO TRAD IRA SPCL0.650%$500.00
36 MO TRAD IRA0.700%$500.00
39 MO TRAD IRA SPCL0.700%$500.00
12 MO ROTH IRA CERT0.500%$500.00
24 MO ROTH IRA CERT0.600%$500.00
27 MO ROTH IRA SPCL0.650%$500.00
36 MO ROTH IRA CERT0.700%$500.00
39 MO ROTH IRA SPCL0.700%$500.00

$5 savings required for membership.  With the exception of CD’s, rates are subject to change after the account is opened.  For accounts other than Freedom & Fresh Start Checking, fees may reduce earnings.  Early withdrawal penalties may apply to CD’s.