Rates

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NOTE: “APR” is Annual Percentage Rate

Vehicle Loans - Effective Saturday, December 3, 2022
Loan TypeAPR's as low asTerms & Information
New Vehicle 2021-2023 48 mths » 4.59% 48 M $22.85 per $1,000 borrowed
New Vehicle 2021-2023 60 mths » 4.85% 60 M $18.581per $1,000 borrowed
New Vehicle 2021-2023 72 mths » 5.25% 72 M $16.23 per $1,000 borrowed
New Vehicle 2021-2023 84 mths » 5.99% 84 M $14.61 per $1000 borrowed
Used Vehicle 2018-2020 60 mths » 4.99% 63 M $18.87 per $1,000 borrowed
Used Vehicle 2018-2020 72 mths » 5.49% 75 M $16.34 per $1,000 borrowed
Used Vehicle 2014-2017 60 mths » 5.35% 60 M $19.04 per $1,000 borrowed
Used Vehicle 2013 & older » 6.25% 48 M $23.61 per $1,000 borrowed

Personal Loans - Effective Saturday, December 3, 2022
Loan TypeAPR's as low asTerms & Information
Unsecured Loan up to 36 months » 9.90% 36 M $32.27 per $1,000 borrowed
Unsecured Loan up to 48 months » 10.90% 48 M $25.81 per $1000 borrowed
Credit Cards and Line of Credit Loans - Effective Saturday, December 3, 2022
Loan TypeAPR's as low asTerms & Information
VISA OUTPOST NATURAL FOODS CC » 9.90% 36 M VISA OUTPOST NATURAL FOODS CREDIT CARD
VISA Credit Card » 13.89% 36 M
Kwik Cash LOC-Less Than $1,000 » 21.90% 36 M
Kwik Cash Line of Credit » 15.90% 36 M
Home Equity Loans - Effective Saturday, December 3, 2022
Loan TypeAPR's as low asTerms & Information
Home Equity Loan 60 months » 5.49% 60 M $19.10 per $1,000 borrowed
Home Equity Loan 84 months » 5.99% 84 M $14.61 per $1,000 borrowed
Home Equity Loan 120 months » 6.39% 120 M $11.30 per $1,000 borrowed
Home Equity Loan 180 months » 7.29% 180 M $9.16 per $1,000 borrowed
Home Equity Line of Credit » 6.25% 120 M Prime Rate or 4.00% (greater of)
Share Secured Loans - Effective Saturday, December 3, 2022
Loan TypeAPR's as low asTerms & Information
Share Secured Loan » 6.25% 36 M $30.54 per $1000 borrowed
Recreational Vehicle Loans - Effective Saturday, December 3, 2022
Loan TypeAPR's as low asTerms & Information
Powersports, less than $10,000 » 7.39% 60 M $19.99 per $1000 borrowed
Powersports, $10,000 or greatr » 7.89% 72 M $17.48 per $1000 borrowed
Boat, RV's & Campers < $10,000 » 6.39% 60 M $19.52 per $1000 borrowed
Boats, RV's & Campers $10,000+ » 7.19% 84 M $15.20 per $1000 borrowed
Boats, RV's & Campers $20,000+ » 8.19% 120 M $12.24 per $1000 borrowed

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 Saturday, October 1, 2022
APYMinimum
Deposit
Minimum
Balance
FREEDOM CHECKING0.00% $0.00
FRESH START CHECKING0.00% $0.00
PREMIUM CHECKING0.10% $0.00
PREMIUM CHECKING0.15% $5,000.00
PREMIUM CHECKING0.20% $10,000.00
SUPREME CHECKING0.10% $100.00
SUPREME CHECKING0.25% $1,500.00
SUPREME CHECKING0.50% $25,000.00
MONEY MARKET PLUS0.25% $0.00
MONEY MARKET PLUS0.75% $10,000.00
MONEY MARKET PLUS1.40% $25,000.00
MONEY MARKET PLUS1.75% $100,000.00
HOLIDAY CLUB0.10% $0.00
DREAM ACCOUNT0.10% $0.00
SUB SHARES0.10% $0.00
HEALTH SAVINGS ACCT0.30% $0.00
TRADITIONAL IRA-FIXED RATE0.20% $0.00
TRADITIONAL IRA-VARIABLE RATE0.20% $0.00
ROTH IRA-FIXED RATE0.20% $0.00
ROTH IRA-VARIABLE RATE0.20% $0.00

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Certificate Rates - Effective Saturday, December 3, 2022
Certificate TermAPYMinimum Deposit
3 MONTH CERTIFICATE0.65%$500.00
6 MONTH CD1.10%$500.00
12 MONTH CD1.85%$500.00
14 MONTH CD SPECIAL3.25%$500.00
18 MONTH CD2.10%$500.00
24 MONTH CD2.90%$500.00
27 MONTH CD SPECIAL3.40%$500.00
36 MONTH CD3.10%$500.00
39 MONTH CD SPECIAL3.50%$500.00
SAVER'S SWEEPSTAKES0.45%$5.00
12 MO TRAD IRA1.85%$500.00
24 MO TRAD IRA2.90%$500.00
27 MO TRAD IRA SPCL3.40%$500.00
36 MO TRAD IRA3.10%$500.00
39 MO TRAD IRA SPCL3.50%$500.00
12 MO ROTH IRA CERT1.85%$500.00
24 MO ROTH IRA CERT2.90%$500.00
27 MO ROTH IRA SPCL3.40%$500.00
36 MO ROTH IRA CERT3.10%$500.00
39 MO ROTH IRA SPCL3.50%$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.