Rates
Share/Savings Accounts
| Club Accounts | ||
| Rates Effective as of October 1, 2020 | ||
| (Dividends Paid on entire balance using daily balance method) | ||
| APR | APA | |
| Christmas Club | 0.10% Div. Rate | 0.10% APY * |
| Share Accounts | ||
| Rates Effective as of September 30, 2020 | ||
| (Dividends Paid on entire balance using daily balance method) | ||
| All accrued dividends will be forfeited if the account is closed prior to dividend payment | ||
| APR | APA | |
| Regular Share Accounts $100 Min $5000 Max | 0.10% Div. Rate | 0.10% APY * |
| Regular Share Accounts $5000 Min $15000 Max | 0.15% Div. Rate | 0.15% APY * |
| Regular Share Accounts $15000 Min $250000 Max | 0.20% Div. Rate | 0.20% APY * |
| Share Certificate Accounts | ||
| Rates Effective May 12, 2020 | ||
| APR | APA | |
| 6 Month Certificate $500 Min $250000 Max Dividend Paid Monthly To Share Acct. | 0.15% Div. Rate | 0.15% APY * |
| 12 Month Certificate $500 Min $250000 Max Dividend Paid Monthly To Share Acct. | 0.30% Div. Rate | 0.30% APY * |
| 24 Month Certificate $500 Min $250000 Max Dividend Paid Monthly To Share Acct. | 0.50% Div. Rate | 0.50% APY * |
| An early withdrawal penalty of 90 days dividends, or all accrued dividends since date of issuance if less than 90 days will be charged on Share Certificate accounts closed before maturity. | ||
Loan Accounts
| Rates Effective May 12, 2020 | ||
| Annual Percentage Rate | ||
| New Cars & Motorcycles 2021 | 3.50% APR | 48 Months |
| New Cars & Motorcycles 2021 | 3.75% APR | 60 Months |
| New Cars & Motorcycles $20,000 Minimum | 4.25% APR | 72 Months |
| Used Cars & Motorcycles 2020-2014 2020-2019 | 3.90% APR | 60 Months |
| Used Cars & Motorcycles 2013-2011 | 3.90% APR | 36 Months |
| New Motorhomes 2021 | 3.90% APR | 60 Months |
| New Motorhomes 2021 | 3.90% APR | 120 Months |
| Used Motorhomes | 3.90% APR | 48 Months |
| Used Motorhomes | 3.90% APR | 60 Months |
| Used Motorhomes | 3.90% APR | 84 Months |
| New Recreational Vehicles | 3.90% APR | 48 Months |
| New Recreational Vehicles | 3.90% APR | 60 Months |
| Used Recreational Vehicles | 3.90% APR | 48 Months |
| Used Recreational Vehicles | 3.90% APR | 60 Months |
| New Tractors & Equipment 2021 | 3.90% APR | 60 Months |
| Used Tractors & Equipment 2021-2011 | 3.90% APR | 48 Months |
| Used Tractors & Equipment 2020-2011 | 3.90% APR | 60 Months |
| Used Tractors & Equipment 2010 & Older | 3.90% APR | 48 Months |
| Miscellaneous Collateral (Up To $3,000.00) | 3.90% APR | 12 Months |
| Miscellaneous Collateral ($3,000.01-$6,000.00) | 3.90% APR | 24 Months |
| Miscellaneous Collateral (Over $6,000.00) | 3.90% APR | 36 Months |
| Unsecured Signature (Up To $5,000 based on debt ratio) | 12.00% APR | 36 Months |
| Share Secured Signature (Up To $3,000.00) | 3.00% APR | 36 Months |
| Share Secured Signature ($3,000.01-$6,000.00) | 3.00% APR | 48 Months |
| Share Secured Signature (Over $6,000.00) | 3.00% APR | 60 Months |
| CD Secured Signature (Up to $3,000.00) | 3.00% APR | 36 Months |
| CD Secured Signature (Up to $6,000.00) | 3.00% APR | 48 Months |
| CD Secured Signature (Over $6,000.00) | 3.00% APR | 60 Months |
| Classic Cars 90% of retail or certified appraisal | 3.90% APR | 48 Months |
| Fees & Disclosures | ||
| Effective October 15, 2014 all collateralized loans over $2,000 will be charged $10.00 for collateral protection insurance. | ||
| Deposit Account Fees | ||
| Joining Fee | $0.25 | |
| Inactive Fee | $5.00 | |
| Loan Account Fees | ||
| Loan Late Fee | $25.00 | |
| Effective November 1, 2015 loan late fee will change to $25.00 after 10 days delinquent | ||
| Miscellaneous Fees | ||
| Returned Check Fee | $25.00 | |
** ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE **
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