Share Rates
| Account |
Annual Percentage Rate |
Annual Percentage Yield |
Min. Balance |
| Regular Savings |
0.01% |
0.01% |
$5.00 |
| IRA Savings |
0.10% |
0.10% |
n/a |
| Club |
0.05% |
0.05% |
n/a |
| Money Management I |
0.10% |
0.10% |
$2,500 - $9,999.99 |
| Money Management II |
0.15% |
0.15% |
$10,000 - $49,999.99 |
| Money Management III |
0.20% |
0.20% |
$50,000 - $99,999.99 |
| Money Management IV |
0.25% |
0.25% |
$100,000 and greater |
| HSA |
0.10% |
0.10% |
n/a |
| Youth Accounts (Ages 0-19) |
0.30% |
0.30% |
$5.00 |
Certificate Rates
| Account |
Annual Percentage Rate |
Annual Percentage Yield |
Min. Balance |
| 3 Months |
0.10% |
0.10% |
$1,000 |
| 6 Months |
0.12% |
0.12% |
$1,000 |
| 12 Months |
0.30% |
0.30% |
$1,000 |
| 18 Months |
0.35% |
0.35% |
$1,000 |
| 24 Months |
0.40% |
0.40% |
$1,000 |
| 35 Months |
1.65% |
1.66% |
$1,000 |
| 36 Months |
0.50% |
0.50% |
$1,000 |
| 48 Months |
0.55% |
0.55% |
$1,000 |
| 59 Months |
2.00% |
2.02% |
$1,000 |
| 60 Months |
1.00% |
1.00% |
$1,000 |
Loan Rates
| Loan Type |
Maximum Term |
Minimum Rate |
Annual Percentage Rate |
| New/Used Cars** |
60* |
3.24% |
3.57% |
| Motorcycles** |
72 |
7.25% |
7.59% |
| Recreational- up to 72 months** |
72 |
5.74% |
6.07% |
| Recreational- 72 to 120 months**** |
120 |
6.74% |
6.92% |
| Equipment** |
72 |
5.00% |
5.33% |
| Signature*** |
48 |
10.24% |
11.92% |
| Share Secured***** |
60 |
2.00% |
2.00% |
Disclaimers:
Rates subject to change without notice.
Actual rates may vary based on one or more of the following: loan type, loan amount, age of collateral, term of loan and credit score.
Please contact your local branch for more information.
*Minimum $25,000.00 loan amount to be eligible for 84 month term (2019 & Newer Only). Add .50% to base rate for 61-72 month terms; Add an additional .50% to base rate for 73-84 month terms.
**Annual Percentage Rate is based on a $20,000.00 loan with a $125.00 Loan Origination Fee, $35.06 VSI Premium and a 60 Month Term.
***Annual Percentage Rate is based on a $3,000.00 loan with a $50.00 Loan Origination Fee and a 24 Month Term.
****Annual Percentage Rate is based on a $20,000.00 loan with a $125.00 Loan Origination Fee, $35.06 VSI Premium and a 120 Month Term.
*****No Loan Origination Fees Apply.