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 Account |
0.05% |
0.05% |
n/a |
| Money Management I |
1.25% |
1.26% |
$2,500 - $9,999.99 |
| Money Management II |
1.50% |
1.51% |
$10,000 - $49,999.99 |
| Money Management III |
2.50% |
2.53% |
$50,000 - $99,999.99 |
| Money Management IV |
3.50% |
3.56% |
$100,000 and greater |
| Health Savings Account |
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 |
| JUMBO 5 Month Special |
5.12% |
5.25% |
$75,000 |
| JUMBO 13 Month Special |
5.35% |
5.50% |
$75,000 |
| 5 Month Special |
4.88% |
5.00% |
$1,000 |
| 13 Month Special |
5.02% |
5.15% |
$1,000 |
| 3 Months |
1.70% |
1.71% |
$1,000 |
| 6 Months |
2.15% |
2.17% |
$1,000 |
| 12 Months |
4.55% |
4.65% |
$1,000 |
| 18 Months |
2.50% |
2.53% |
$1,000 |
| 24 Months |
4.40% |
4.50% |
$1,000 |
| 36 Months |
2.75% |
2.78% |
$1,000 |
| 48 Months |
3.00% |
3.04% |
$1,000 |
| 60 Months |
3.74% |
3.80% |
$1,000 |
Loan Rates
| Loan Type |
Maximum Term |
Minimum Rate |
Annual Percentage Rate |
| New/Used Cars** |
60* |
6.74% |
7.07% |
| Motorcycles** |
72 |
9.00% |
9.34% |
| Recreational- up to 72 months** |
72 |
7.49% |
7.83% |
| Recreational- 72 to 120 months**** |
120 |
8.49% |
8.68% |
| Equipment** |
72 |
7.00% |
7.34% |
| Signature*** |
60 |
11.49% |
13.16% |
| Share Secured***** |
60 |
2.50% |
2.50% |
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 (2020 & Newer Only). Add .75% to base rate for 61-75 month terms; Add an additional .25% to base rate for 76-84 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.