Loan Rates Risk Based Lending |
Loan Type |
Rate |
| Signature |
9.50% - 16.00% |
| New Auto* |
5.99% - 12.99% |
| Used Auto* |
6.49% - 13.49% |
| New Boat* |
7.00% - 12.00% |
| Used Boat* |
8.00% - 13.00% |
| New Farm/Rec* |
7.00% - 12.00% |
| Used Farm/Rec* |
8.00% - 13.00% |
| New Motorcycles* |
7.00% - 12.00% |
| Used Motorcycles** |
8.00% - 13.00% |
| VISA Credit Card |
9.90% - 17.90% |
| |
*6-year financing for .50% more and 7-year financing for 1.00% more.
**48 months maximum. (Auto Loans)
(Rates are good for 6 months from the date you apply) |
Other Loans |
Rate |
Term |
Overdraft Loans |
16.00% |
|
Share Secured |
4.00% |
5 Years max |
Certificate Secured* |
2.00% Above CD Rate |
5 Years max |
1st Mortgages |
5.50% |
7 Years |
Home Equity |
5.00% |
15 Years |
Disaster Loans |
8.00% |
|
*If cd matures before loan is paid in full, cd must be renewed for an additional term and the current rate at that time + 2% will apply.
Dividend Rates
Dividend Rates |
APY |
Share Savings |
0.75% |
Share Draft |
0.00% |
Christmas Club |
0.75% |
IRAs |
2.35% |
A. All rates are subject to change quarterly. Rate are set the third month of each quarter.
B. Dividends are calculated on the average daily balance and compounded & paid quarterly.
Certificate Rates
Certificates of Deposits* |
Rate |
APY |
6 Months |
2.00% |
-- |
*Minimum Deposits of $1,000.00
*IRA accounts are now insured up to $250,000
Current CD & IRA Specials* |
Rate |
|
7 Months (CD Only) |
2.35% |
-- |
13 Months (CD & IRA) |
2.45% |
-- |
*IRA accounts are now insured up to $250,000
|
