Rates

Certificate Rates Flex Account Rates Fee Schedule Auto Loan Rates Personal Loan Rates RV & Boat Rates Motorcycle/ATV Rates Tractor & Equipment Rates HELOC Rates Land Loan Rates Share Secured

Certificate Rates

IRA & Share Certificate Account Rates

Certificate Term	Dividend Rate	APY*	Minimum Opening Balance
6 Month	3.687%	3.75%	$500.00
1 Year	3.687%	3.75%	$500.00
2 Year	3.440%	3.50%	$500.00
3 Year	3.297%	3.35%	$500.00
4 Year	3.203%	3.25%	$500.00
5 Year	3.203%	3.25%	$500.00

We may impose a substantial penalty if you withdraw any of the principal before the maturity date.

Minimum Opening Balance/Minimum Required Balance to earn APY.

Certificates renew automatically with a 7-day grace period during which withdrawals may be made without penalty.

*Annual Percentage Yield

Flex Account Rates

Product	Dividend Rate	APY*	Minimum Opening Balance	Minimum Required Balance
Tier 1: $1,000 - $24,999.99	1.490%	1.50%	$1,000.00	$1,000.00
Tier 2: $25,000 - $74,999.99	2.230%	2.25%	$25,000.00	$25,000.00
Tier 3: $75,000 - $99,999.99	2.472%	2.50%	$75,000.00	$75,000.00
Tier 4: $100,000 +	2.716%	2.75%	$100,000.00	$100,000.00

$1,000 minimum balance required to keep the account open.

Dividends are paid monthly on the average daily balance.

Dividend rates may change after the account is opened.

*Annual Percentage Yield

Fee Schedule


SHARE ACCOUNT FEES
New Account Closed within 90 days	$25.00
Dormant Account (no activity for 12 months)	$2.00/month
Returned Item Fee	$27.00
Overdraft Fee	$27.00
Overdraft Transfers	$4.00
Phone transfer fee	$4.00
Share Draft Monthly Fee	$1.00
Check Printing (depends on style)	Varies
Canceled Draft Copies	$3.00
Stop Payment Share Draft, Bill Pay, ACH	$25.00
Business Share Draft Monthly Fee	$8.00
LOAN FEES
Late Loan Payment Fee	Lesser of 5% of late payment or $10.00
Loan Payment Reversal	$10.00
Loan Minimum Finance Charge	$25.00
Multiple Payoff Statements	$10.00 (per additional request)
Consumer Loan Modification Fee	$50.00
Mortgage Modification or Processing Fee	$300.00
Mortgage Processing Fee	$300.00
Skip a Payment	$30.00
Partial Release of Mortgage	$150.00
Subordination Agreement & Review	$75.00
Subordination Preparation	$75.00
CORPORATE CHECKS & MONEY ORDERS
Corporate Checks & Money Orders	$2.00
Stop Payment on Corporate Check or Money Order	$25.00
Copy of Canceled Corporate Check or Money Order	$5.00
MISCELLANEOUS FEES
Returned Checks	$12.00
Statement Copies (Per Statement)	$3.00
Legal Process (Subpoenas, summons, levies, etc)	$25.00
IRA Plan Closeout	$10.00
Notary Service for Members Only	Free
Fax (Incoming & Outgoing)	$5.00 for 1st page, $1.00 each additional page
Photocopies	$0.50 per page
Zipper Bags	$5.00/each
Postal Notification of Address Change	$5.00
Research/Reconciliation	$25.00 hourly (1 hour minimum)
Account History	$3.00
Bill Pay (Inactive after two months)	$4.95/month
SAFE DEPOSIT BOX FEES
Safe Deposit Boxes (based on size)	$25.00 / $40.00 / $55.00
Replacement Key	$25.00
Safe Deposit Box Drilling	$25.00 plus drilling fee
Wire Out / Wire Out Foreign	$25.00 / $45.00
VISA CHECK CARD FEES
4 Free Withdrawals per month at foreign ATM	$1.00 per withdrawal thereafter.
4 Free Inquiry, Denial or Transaction	$1.00/each thereafter
Visa Debit Card Replacement	$15.00
Block Card/VCC Reactivate/PIN Reminder	$5.00/each
PIN Change (1st one free)	$5.00/each
International Purchases ISA Fee	Up to 1% of the transaction.

*Fees are subject to change without notice

Auto Loan Rates

Automobile Loans

Rates shown are for 2017 and newer vehicles, subject to maximum terms for vehicle year.
100% Financing available for qualified applicants.
Refinances from other institutions welcomed.
*84 month term available for 2023 and newer vehicles only, minimum loan amount of $20,000.

Vehicle Year	Maximum Term	Annual Percentage Rate	Payments Per $1000 Per Month of Repayment
2023-2025	84 Months*	As low as 6.49%	$14.85
2020-2023	72 Months	As low as 5.99%	$16.58
2017-2019	60 Months	As low as 6.49%	$19.57
2012-2016	48 Months	As low as 7.49%	$24.18
2011 & older	36 Months	As low as 9.99%	$32.27
	Apply for an Auto Loan

Personal Loan Rates

Unsecured Loans

Unsecured loans are personal loans that are not secured with collateral.
Rates shown for new loans only,

Term	Annual Percentage Rate	Payments Per $1000 Per Month of Repayment
12 Months	As low as 8.99%	$87.45
24 Months	As low as 9.99%	$46.14
36 Months	As low as 10.99%	$32.73
48 Months	As low as 11.99%	$26.33
60 Months	As low as 12.99%	$22.75
72 Months	As low as 13.99%	$20.60
84 Months	As low as 14.99%	$19.29
Apply for an Unsecured Loan

RV & Boat Rates

Recreational Vehicle and Boat Loan Maximum Terms

Refinances from other institutions welcomed.
Annual Percentage Rate based on a credit score of 680 or higher.
20% down required on terms exceeding 96 months.
Boat or RV must be a 2010 or newer model.

Loan Amount	Maximum Term	Annual Percentage Rate	Payment Per Thousand
$3,000 to $4,999	36 Months	As low as 5.74%	$30.30
$5,000 to $7,499	48 Months	As low as 5.99%	$23.48
$7,500 to $9,999	60 Months	As low as 6.24%	$19.44
$10,000 to $12,499	72 Months	As low as 6.74%	$16.92
$12,500 to $14,999	96 Months	As low as 7.24%	$15.21
$15,000 to $19,999	120 Months	As low as 8.74%	$12.53
$20,000 to $29,999	144 Months	As low as 9.24%	$11.52
$30,000 & up	180 Months	As low as 10.24%	$10.89

Motorcycle/ATV Rates

Motorcycle, Snowmobile, ATV, & Personal Watercraft Maximum Terms

Refinances from other institutions welcomed.
100% Financing available for qualified applicants.
Annual Percentage Rate based on a credit score of 680 or higher.
Unit must be model year 2010 or newer.
84 Month term available to 2023 & newer motorcycles only. $25,000 minimum loan.

Loan Amount	Maximum Term	Annual Percentage Rate	Payment Per Thousand
$3,000 to $3,999	36 Months	As low as 5.74%	$30.30
$4,000 to $7,499	48 Months	As low as 5.99%	$23.48
$7,500 to $12,499	60 Months	As low as 6.24%	$19.44
$12,500 & up	72 Months	As low as 6.74%	$16.92
$25,000 & up	84 Months	As low as 7.24%	$15.21

Tractor & Equipment Rates

Tractor & Equipment Loan Rates and Terms

Refinances from other institutions welcomed.
Annual Percentage Rate based on a credit score of 680 or higher.
Rates shown for new models. Add .50% to rate for used. Must be 2010 or newer.
For private sale purchases of used equipment, previous owner(s) information is required.
Utility Trailers included in this category.

Loan Amount	Maximum Term	Annual Percentage Rate	Payment Per Thousand
$3,000 to $5,999	36 Months	As low as 7.24%	$30.99
$6,000 to $9,999	48 Months	As low as 7.49%	$24.17
$10,000 to $12,499	60 Months	As low as 7.74%	$20.15
$12,500 to $14,999	72 Months	As low as 8.24%	$17.65
$15,000 & up	84 Months	As low as 8.74%	$15.96

HELOC Rates

Home Equity Line of Credit

Use the equity in your home to help send your kids to college, do home repairs, consolidate debt, or even take that vacation you've always dreamed about.
Borrow up to 80% of the appraised value of your home, less any loans on the property.

Term	Index	Annual Percentage Rate*	Payment
Revolving	7.50%	As low as 7.50%**	The greater of $50.00 or 1% of the outstanding balance as of last advance.
Annual percentage rate as of 12/19/2024 *For eligible borrowers with qualified collateral. The rate may vary depending on borrower's credit score. 1. There is no minimum initial advance required. 2. Minimum Annual Percentage Rate (APR) of 3.50%. The maximum APR that may be imposed is 16%. 3. The APR may increase or decrease on the first of each month. The interest rate will equal to the lowest prime rate as published in the Wall Street Journal (the “Index”) plus a "Margin" as low as zero percentage points (0%). The interest rate will change whenever the Index changes. Changes in the interest rate will be calculated by taking the Index figure available on the 15th day of the preceding calendar month and adding to it the Margin stated above. This figure rounded to the nearest .25% will be the new interest rate effective until the next Change Date.

Land Loan Rates

Land Loans

Land loans available for purchase money, refinance, or equity.
20% down required on purchase transactions.
Rate and term applies to land less than 15 acres for personal use.
APR = Annual Percentage Rate
APR calculated using $50,000 loan amount, $300.00 processing fee.
Rates subject to change without notice.

Term	Rate	Annual Percentage Rate*	Monthly Payment Per $1000 Borrowed
10 Year	As low as 6.50%	6.724%	$11.36
15 Year	As low as 6.75%	6.910%	$8.86
*The Annual Percentage Rate (APR) is based on a loan amount of $30,000, 0 points and processing fee. Rate and terms based on land for personal use. The maximum loan-to-value (LTV) is 80%.

Share Secured

Share Secured Loans

Annual Percentage Rate will be as low as 3.00% over existing dividend rate for share and share certificate to be pledged.

Term	Annual Percentage Rate	Payments Per $1000 Per Month of Repayment
12 Months	As low as 3.10%	$84.74
24 Months	As low as 3.10%	$43.03
36 Months	As low as 3.10%	$29.13
48 Months	As low as 3.10%	$22.18
60 Months	As low as 3.10%	$18.02
84 Months	As low as 4.10%	$13.72
120 Months	As low as 5.10%	$10.66
Apply for a Share Secured Loan

To access your account or to enroll, click below:

IRA & Share Certificate Account Rates

Flex Account Rates

Automobile Loans

Unsecured Loans

Recreational Vehicle and Boat Loan Maximum Terms

Motorcycle, Snowmobile, ATV, & Personal Watercraft Maximum Terms

Tractor & Equipment Loan Rates and Terms

Home Equity Line of Credit

Land Loans

Share Secured Loans

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IRA & Share Certificate Account Rates

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