Rates

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NOTE: “APR” is Annual Percentage Rate

Loan Rates - Effective Monday, December 11, 2017
Loan TypeAPR's as low asTerms/Information
New Vehicle, up to 75 months3.240%$14.75 per $1,000 borrowed
New Vehicle, up to 63 months3.140%$17.24 per $1,000 borrowed
New Vehicle, up to 48 months2.840%$22.07 per $1,000 borrowed
New Vehicle, up to 36 months2.540%$28.88 per $1,000 borrowed
Used Vehicle 2014-2016 75 mths3.640%$14.93 per $1,000 borrowed
Used Vehicle 2014-2016 63 mths3.140%$17.24 per $1,000 borrowed
Used Vehicle 2012-2013 63 mths3.240%$17.29 per $1,000 borrowed
Used Vehicle 2010-2011 63 mths3.490%$17.40 per $1,000 borrowed
Used Vehicle 2007-2009 48 mths3.990%$22.58 per $1,000 borrowed
Used Vehicle 2006 & older 36mo4.990%$29.98 per $1,000 borrowed
Used Vehicle 2014-2016 84 mths4.890%$14.09 per $1,000 borrowed
Home Equity Loan 60 months3.900%$18.38 per $1,000 borrowed
Home Equity Loan 84 months4.250%$13.79 per $1,000 borrowed
Home Equity Loan 120 months4.750%$10.49 per $1,000 borrowed
Home Equity Loan 180 months5.650%$8.26 per $1,000 borrowed
Home Equity Line of Credit4.250%Prime Rate
Unsecured Loan up to 36 months12.900%$33.65 per $1,000 borrowed
Unsecured Loan up to 48 months13.900%$27.29 per $1000 borrowed
Share Secured Loan4.250%
Kwik Cash Line of Credit15.900%
Kwik Cash Line of Credit21.900%
Powersports, less than $10,0004.490%$18.64 per $1000 borrowed
Powersports, $10,000 or greatr4.690%$15.97 PER $1000 borrowed
Boat, RV's & Campers < $10,0005.290%$19.01 PER $1000 borrowed
Boats, RV's & Campers $10,000+5.790%$14.52 PER $1000 borrowed
Boats, RV's & Campers $20,000+6.490%$11.36 PER $1000 borrowed
VISA0.000%
New Vehicle, up to 84 months4.490%$13.90 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 700+ credit score.  Other rates and terms are available.  New vehicle means not previously titled.  Subject to credit approval.  Other restrictions apply.  Home Equity Loans and HELOC’s-Closing costs range from $100-$154. If required, appraisal fee ranges from $290-$575.  Disclosed interest rates are available on owner-occupied homes up to 90% LTV for qualified borrowers.  Other interest rates and terms are available.  Property, flood and/or title insurance required, if applicable, on the subject property.  For HELOC loans, the rate is based on the Bank Prime Rate as published in the Money Rates Listing in the Wall Street Journal on the last business day of each month + a margin and is subject to change monthly. (Your actual margin will vary based on your LTV and credit score.)  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 Wednesday, July 1, 2015
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 CHECKING0.200%$0.00$5,000.00
PREMIUM CHECKING0.300%$0.00$10,000.00
SUPREME CHECKING0.100%$0.00$100.00
SUPREME CHECKING0.200%$0.00$1,500.00
MONEY MARKET PLUS0.100%$0.00$100.00
MONEY MARKET PLUS0.250%$0.00$10,000.00
MONEY MARKET PLUS0.350%$0.00$25,000.00
MONEY MARKET PLUS0.450%$0.00$75,000.00
HOLIDAY CLUB0.050%$0.00$0.00
DREAM ACCOUNT0.050%$0.00$0.00
SUB SHARES0.050%$0.00$100.00
HEALTH SAVINGS ACCT0.500%$0.00$0.00
TRADITIONAL IRA-FIXED RATE0.350%$0.00$0.00
TRADITIONAL IRA-VARIABLE RATE0.200%$0.00$0.00
ROTH IRA-FIXED RATE0.350%$0.00$0.00
ROTH IRA-VARIABLE RATE0.200%$0.00$0.00

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Certificate Rates - Effective Monday, December 11, 2017
Certificate TermAPYMinimum Deposit
3 MONTH CERTIFICATE0.250%$500.00
6 MONTH CD0.350%$500.00
12 MONTH CD0.500%$1,000.00
18 MONTH CD0.650%$1,000.00
24 MONTH CD0.800%$1,000.00
27 MONTH CD SPECIAL1.600%$1,000.00
36 MONTH CD1.010%$1,000.00
39 MONTH CD SPECIAL1.800%$1,000.00
12 MO TRAD IRA0.500%$1,000.00
24 MO TRAD IRA0.800%$1,000.00
27 MO TRAD IRA SPCL1.600%$1,000.00
36 MO TRAD IRA1.000%$1,000.00
39 MO TRAD IRA SPCL1.790%$1,000.00
12 MO ROTH IRA CERT0.450%$1,000.00
24 MO ROTH IRA CERT1.600%$1,000.00
27 MO ROTH IRA SPCL1.600%$1,000.00
36 MO ROTH IRA CERT1.790%$1,000.00
39 MO ROTH IRA SPCL1.790%$1,000.00

$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.