Current Rates

Savings
Regular Savings (Share) Account Rate Paid APY
$25.00 to $999.99 0.444% Monthly 0.45%
$1,000.00 or More 0.499% Monthly 0.50%
Premium Savings (Share) Account Rate Paid APY
$2,000.00 to $9,999.99 0.549% Monthly 0.55%
$10,000.00 to $24,999.99 0.599% Monthly 0.60%
$25,000.00 to $49,999.99 0.649% Monthly 0.65%
$50,000.00 to $99,999.99 0.699% Monthly 0.70%
$100,000.00 and Over 0.748% Monthly 0.75%
Note: if balance falls below $2,000.00 on Premium Share account, then dividend is paid at the Regular Share Rate.
IRA Accounts Rate Paid APY
  0.748% Monthly 0.75%
Checking (Share Draft) Accounts Rate Paid APY
  0.349% Monthly  0.35%
Christmas Club Accounts Rate Paid APY
Deposit To Shares  0.499% Monthly 0.50%
Vacation Club Accounts Rate Paid APY
Deposit To Shares  0.499% Monthly 0.50%
Savings (Share) Certificates & IRA Certificates
$1000.00 minimum Rate Paid APY
3 Month 0.549% Monthly 0.55%
6 Month 0.599% Monthly 0.60%
9 Month 0.649% Monthly 0.65%
12 Month 0.749% Monthly 0.75%
15 Month 0.749% Monthly 0.75%
18 Month 0.799% Monthly 0.80%
21 Month 0.899% Monthly 0.90%
24 Month 0.999%  Monthly 1.00%
Rising Market 36 Month 1.248% Monthly 1.25%
Market Index Certificate Dow Jones Maturity 3 or 5 year terms
Note: Educational IRAs may be purchased for a minimum of $500.00 for any term listed above including the Market Index Certificate.
Loans
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 Annual percentage rates may be as low as*
36 months 9.90%
48 months 10.15%
60 months 10.15%
66 months 10.40%
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.
Unsecured Single Pay Note Annual Percentage Rate
90 day note 15.00%
Overdraft Protection Line of Credit Annual Percentage Rate
Requires minimum $50.00 monthly payments  15.00%
Personal Line of Credit Annual Percentage Rate
Reguires minimum $75.00 monthly payments 15.00%
Vehicle Loans Annual percentage rates may be as low as*
36 months 2.40%
48 months 2.65%
60 months 3.15%
66 months 3.40%
72 months 3.65%
* 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) Annual percentage rates may be as low as*
L-T-V 80% Max | 20% Down | 180 Months 5.250%
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.
Motorcycles / ATVs Loans Annual percentage rates may be as low as*
36 months 2.40%
48 months 2.65%
60 months 3.15%
66 months 3.40%
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness. Terms and conditions apply.
Boats & RVs Annual percentage rates may be as low as*
36 months 2.40%
48 months 2.65%
60 months 3.15%
66 months 3.40%
72 months 3.65%
73-120 months 6.15%
$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 Annual percentage rates may be as low as*
36 months 2.40%
48 months 2.65%
60 months 3.15%
* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.