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Current Rates

Savings Rates

Regular Savings (Share) Account
Amount Rate Paid APY
$25.00 to $999.99 0.698% Monthly 0.70%
$1,000.00 or More 0.747% Monthly 0.75%
Premium Savings (Share) Account
Amount Rate Paid APY
$2,000.00 to $9,999.99 0.797% Monthly 0.80%
$10,000.00 to $24,999.99 0.847% Monthly 0.85%
$25,000.00 to $49,999.99 0.896% Monthly 0.90%
$50,000.00 to $99,999.99 0.946% Monthly 0.95%
$100,000.00 and Over 0.995% Monthly 1.00%

Note: if balance falls below $2,000.00 on Premium Share account, then dividend is paid at the Regular Share Rate.

IRA Accounts
Type Rate Paid APY
IRA Accounts 0.995% Monthly 1.00%
Checking (Share Draft) Accounts
Type Rate Paid APY
With E-Statements 0.349% Monthly  0.35%
Without E-Statements 0.149% Monthly  0.15%
Christmas Club Accounts
Type Rate Paid APY
Deposit To Shares  0.499% Monthly 0.50%
Vacation Club Accounts
Type Rate Paid APY
Deposit To Shares  0.499% Monthly 0.50%

Share Certificate & IRA Certificate Rates

Savings (Share) Certificates & IRA Certificates - $1000.00 minimum
Term Rate Paid APY
3 Month 0.797% Monthly 0.80%
6 Month 0.847% Monthly 0.85%
9 Month 0.896% Monthly 0.90%
12 Month 0.995% Monthly 1.00%
15 Month 0.995% Monthly 1.00%
18 Month 1.045% Monthly 1.05%
21 Month 1.144% Monthly 1.15%
24 Month 1.243%  Monthly 1.25%
Rising Market 36 Month* 1.490% Monthly 1.50%

Note: Educational IRAs may be purchased for a minimum of $500.00 for any term listed above. * An active Share Draft (checking) account is required to request a rate increase for the Rising Market 36 Month CD & IRA. Active account is defined as: having 5 transactions post and clear the draft account within the last 30 days of the rate increase request.  Online account transfers do not count as a transaction.

Loan Rates

Savings (Shares) Secured Loans
Current Dividend + 2%
Variable Rate / Annual Percentage Rate
Certificate of Deposit Secured Loans
Current Dividend + 2%
Variable Rate / Annual Percentage Rate
Personal Loans
Term Annual percentage rates may be as low as*
36 months 10.40%
48 months 10.65%
60 months 10.65%
66 months 10.90%

* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.

Unsecured Single Pay Note
Type Annual Percentage Rate
90 day note 15.00%
Lines of Credit
Type Annual Percentage Rate
Overdraft Protection Line of Credit
Requires minimum $50.00 monthly payments 
15.00%
Personal Line of Credit
Reguires minimum $75.00 monthly payments
15.00%
Vehicle Loans
Term Annual percentage rates may be as low as*
36 months 2.90%
48 months 3.15%
60 months 3.65%
66 months 3.90%
72 months 4.15%

* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.

Mortgage Loan / Conventional and Home Equity Loans
In house first and second mortgages are available.  Secondary market real estate loans are available for terms up to 30 years.  For more information call 485-4523 ext. 1138, or email us here.
Mobile Home & Land Loan
See information on Mortgage Loan/Conventional and Home Equity Loans
Unimproved Property (Deed of Trust Required)
Type Annual percentage rates may be as low as*
L-T-V 80% Max | 20% Down | 180 Months 5.75%

* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.

Motorcycles / ATVs Loans
Term Annual percentage rates may be as low as*
36 months 2.90%
48 months 3.15%
60 months 3.65%
66 months 3.90%

* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness. Terms and conditions apply.

Boats & RVs
Term Annual percentage rates may be as low as*
36 months 2.90%
48 months 3.15%
60 months 3.65%
66 months 3.90%
72 months 4.15%
73-120 months 6.65%

$15,000 minimum loan amount for terms from 61 - 120 Months
* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.

Miscellaneous Equipment Loans
Term Annual percentage rates may be as low as*
36 months 2.90%
48 months 3.15%
60 months 3.65%

* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.