financial literacy

Current Rates

Maximize Your Savings with Our Current, Competitive Rates

Learn about our current rates and apply for membership or a loan today!

Checking

Save the Change Checking

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$0+ %0.00 APY
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Simplified Checking

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$0+ 0.00% APY
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Business Dividend Draft

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$0 - $999 0.00% APY*
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$1000+ 0.10% APY
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Dividends paid monthly

*APY=Annual Percentage Yield

Health Savings Account

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$0 - $999 0.00% APY*
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$1000+ .20% APY*
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*APY=Annual Percentage Yield. Rates are subject to change without notice.

Credit Cards

VISA Platinum Credit Card

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Platinum 8.90% APR*
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*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above.

Click here to view detailed rates

VISA Platinum Preferred Credit Card

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Platinum Preferred 10.99% APR*
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*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above.

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Loans

Home Equity Loan

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Up to 36 Months 3.49% APR*
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37-60 Months 3.49% APR*
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61-120 Months 3.99% APR*
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121-180 Months 4.49% APR*
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*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above. Rates are subject to change without notice.

Terms up to 15 years.
Minimum loan amount of $5,000.
Real Estate Secured** = Closed end loan up to 85% market value financing.
$5000 or more in new money is required to refinance existing Equity Loans.

Home Equity Line of Credit

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Home Equity Line of Credit 3.99% APR*
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*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above. Rates are subject to change without notice.

Share Secured Loan

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Up to 36 months 2.24% APR*
37 to 60 months 2.99% APR*

*APR=Annual Percentage Rate

Home Stretch Final Mortgage

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Up to 36 months 3.49% APR*
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37 to 60 months 3.49% APR*
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61 to 120 months 3.99% APR*
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121 to 180 months 4.99% APR*
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*APR=Annual Percentage Rate.  The rate, term, and maximum amount your can borrow may vary and is based upon the applicant’s credit worthiness and the amount of equity in your home. Rates are subject to change without notice.  All loans are subject to lending guidelines.

Terms up to 15 years.  Minimum loan amount of $5,000.
Real Estate Secured** = Closed end loan up to 85% market value financing.  $5000 or more in new money is required to refinance existing Equity Loans.

Must qualify for membership and become a member to take advantage of this offer.

Auto Loans

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New - Up to 36 Months 1.99% APR*
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New - 37 to 60 Months 2.49% APR*
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New - 61-72 Months 2.99% APR*
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New - 73-84 Months 4.24% APR*
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Used - 2011 and Newer up to 60 Months 2.49% APR*
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Used - 2011 and Newer 61-72 Months 3.49% APR*
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Used - 2008-2010 Models up to 60 Months 2.99% APR*
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Used - 2008-2010 Models 61-72 Months 3.99% APR*
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Used - 2007 and Older Models up to 60 Months 6.24% APR*
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New Recreational Vehicle - up to 60 months 5.49% APR*
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New Recreational Vehicle - 61 to 120 months 6.49% APR*
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Used Recreational Vehicle - up to 60 months 5.99% APR*
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Used Recreational Vehicle - 61 to 120 months 6.99% APR*
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*APR=Annual Percentage Rate. The rates and terms listed are based upon the applicant’s credit worthiness and may vary from that shown above.

Subject to credit approval. Rates may increase and are subject to change without notice.

Signature Loan

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Up to 24 Months 7.99% APR*
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25-60 Months 9.99% APR*
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*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above. Maximum APR is 18%.

Payment for a $1,000 loan for 24 months at 7.99% is $45.23 a month.

Payment for a $1,000 for 25 months at 9.99% is $44.47 a month.

Payment for a $1,000 for 60 months at 9.99% is $21.25 a month.

**Borrow $500 to $25,000. No prepayment penalty. Minimum payment term is 1 month, maximum payment term is 60 months.

Stock Secured Loan

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Stock Secured** 5.75% APR*

*APR=Annual Percentage Rate
Variable Rate Line of Credit

**Use the value of your IBM stock as collateral.  Borrow up to 75% of the current market value.

Boat Loan

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New Boat Loan up to 60 Months** 6.99% APR*
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New Boat Loan 61-120 Months** 8.99% APR*
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Used Boat Loan up to 60 Months^ 8.99% APR*
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Used Boat Loan 61-84 Months^ 9.99% APR*
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*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above.

**New Boat Loans: 100% financing of the actual selling price

^Used Boat Loans: 90% financing of the NADA (Blue Book) retail value or actual selling price, whichever is lower.

Personal Service Line of Credit

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Personal Service Line of Credit 12.00% APR*
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*APR = Annual Percentage Rate

(Variable Rate Line of Credit – Prime + 5% Adjusted Quarterly)

3rd Quarter Rate 12.00% APR

dpr 0.0328767%

Savings

Share Savings Account

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$0 - $4.99 0.00% APY*
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$5.00+ .10% APY*
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*APY=Annual Percentage Yield. Rates are subject to change without notice.

Sub Share Savings Account

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All Deposits .10% APY*
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*APY=Annual Percentage Yield. Rates are subject to change without notice.

Holiday Club Account

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All Deposits 0.20% APY*
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*APY=Annual Percentage Yield. Rates are subject to change without notice.

Vacation Club Account

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All Deposits 0.20% APY*
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*APY=Annual Percentage Yield. Rates are subject to change without notice.

Home Savers Club

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All Deposits .20% APY*
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*APY = Annual Percentage Yield.  Rates are subject to change without notice.

Premier Money Market Account

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Up to $50,000 0.00% APY*
$50,000.01+ .330% APY*

*APY=Annual Percentage Yield. Rates are subject to change without notice.

Tiered Money Market Account

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Up to $2,500 0.00% APY*
$2,500.01 - $10,000 0.10% APY*
$10,000.01 - $25,000 0.15% APY*
$25,000.01 - $75,000 0.20% APY*
$75,000.01 - $150,000 0.28% APY*
$150,000.01+ 0.33% APY*

*APY=Annual Percentage Yield. Rates are subject to change without notice.

Roth IRA

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All Deposits 0.25% APY*
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*APY=Annual Percentage Yield. Rates are subject to change without notice.

Traditional IRA

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All Deposits 0.25% APY*
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*APY=Annual Percentage Yield. Rates are subject to change without notice.

Share Certificates

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3 Months ($500 minimum) 0.20% APY*
6 Months ($500 minimum) 0.25% APY*
12 Months ($500 minimum) 0.25% APY*
24 Months ($500 minimum) 0.35% APY*
36 Months ($500 minimum) 0.50% APY*
48 Months ($500 minimum) 0.75% APY*
60 Months ($500 minimum) 1.00% APY*

*APY=Annual Percentage Yield. Rates are subject to change without notice.

Dividend rates are declared by the Board of Directors and cannot be guaranteed

Stars Reward Members receive 5 basis point bonus.
Stripes Reward Members receive 10 basis point bonus.

Business Premier Money Market Account

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$0 - $49,999 0.00% APY*
$50,000+ 0.33% APY*

*APY=Annual Percentage Yield. Rates are subject to change without notice.

Business Tiered Money Market Account

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Under $2,500 0.00% APY*
$2,500 - $9,999 0.10% APY*
$10,000 - $24,999 0.15% APY*
$25,000 - $74,999 0.20% APY*
$75,000 - $149,999 0.28% APY*
$150,000+ 0.33% APY*

*APY=Annual Percentage Yield. Rates are subject to change without notice.