Current Rates

Savings Rates - Effective May 23, 2019

Regular Savings (Share) Account

Amount	Rate	Paid	APY
$25.00 to $999.99	0.797%	Monthly	0.80%
$1,000.00 or More	0.847%	Monthly	0.85%

Premium Savings (Share) Account

Amount	Rate	Paid	APY
$2,000.00 to $9,999.99	0.896%	Monthly	0.90%
$10,000.00 to $24,999.99	0.946%	Monthly	0.95%
$25,000.00 to $49,999.99	0.995%	Monthly	1.00%
$50,000.00 to $99,999.99	1.045%	Monthly	1.05%
$100,000.00 and Over	1.094%	Monthly	1.10%

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	1.094%	Monthly	1.10%

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	0.896%	Monthly	0.90%
6 Month	0.946%	Monthly	0.95%
9 Month	0.995%	Monthly	1.00%
12 Month	1.094%	Monthly	1.10%
15 Month	1.094%	Monthly	1.10%
18 Month	1.144%	Monthly	1.15%
21 Month	1.243%	Monthly	1.25%
24 Month	1.342%	Monthly	1.35%
Rising Market 36 Month*	1.588%	Monthly	1.60%

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 304-485-4523 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.