*Loan Rates listed here represent our best rate and are subject to change. Loans are based on credit approval. Not all will qualify for the best rate. Ask for details. Rates Listed as of
APR = Annual Percentage Rate APY = Annual Percentage Yield Prime Rate = 5.00% APR
Auto Loans
| Vehicle Loan Term |
APR |
| New Vehicle up to 60 months |
2.99%* |
| Used Vehicles up to 60 months |
2.99%* |
| New Vehicles from 61-72 months |
3.25%* |
| Used Vehicles from 61-72 months (current plus 4 model years old) |
3.25%* |
| New Vehicles up to 84 months ($25,000 minimum) |
3.99%* |
| Adjustable Rate Car Loan (New/Used-Terms Vary) |
NA |
PDF Loans Terms & Rates
Recreational Vehicle Loans
(Travel Trailers, Motorhomes, and Boats)
| Recreational Vehicle Loan Term |
APR |
| 0-60 Months |
3.74%* |
| 61-84 Months |
4.24%* |
| 85-120 Months |
4.74%* |
| 121-180 Months ($25,000 minimum) |
5.74%* |
PDF Loans Terms & Rates
Sport Vehicle Loans
(Motorcycle, ATV, Snowmobile and Personal Watercraft)
| Sport Vehicle Loan Term |
APR |
| 0-36 Months |
5.25%* |
| 37-48 Months |
5.50%* |
| 49-60 Months |
5.75%* |
| 61-84 Months |
6.00%* |
| Misc. Secured/Utility Trailer (84 Month Max) |
6.99%* |
PDF Loans Terms & Rates
Real Estate
| Real Estate Loan Term |
Rate |
APR |
| 10 Year Fixed |
4.375% Rate* |
4.655% APR** |
| 15 Year Fixed |
4.375% Rate* |
4.570% APR** |
| 20 Year Fixed |
4.625% Rate* |
4.840% APR** |
| 30 Year Fixed |
4.750% Rate* |
4.908% APR** |
**APR's are based on a $100,000 loan amount with an LTV of 80% |
PDF Loans Terms & Rates
Home Equity
| Home Equity Loan Term |
APR |
Home Equity Line of Credit
(LTV 80% or Less) (Floor is 4.00% APR) |
Prime Rate
+ .50%* |
Special HELOC Rate
for loans approved between 2/1/18 – 4/30/18 |
1.99% |
| 5 Year Fixed Home Equity (LTV 80% or Less) |
4.99%* |
| 10 Year Fixed Home Equity (LTV 80% or Less) |
5.49%* |
| 15 Year Fixed Home Equity (LTV 80% or Less) |
5.99%* |
PDF Loans Terms & Rates
Vacant Land
| Vacant Land Loan Term |
APR |
| 5 Year (LTV 80% of improved; 50% of unimproved) |
4.99%* |
| 7 Year (LTV 80% of improved; 50% of unimproved) |
5.24%* |
| 10 Year (LTV 80% of improved; 50% of unimproved) |
5.74%* |
PDF Loans Terms & Rates
Miscellaneous Loans
| Miscellaneous Loan Term |
APR |
| Signature (60 Months Max) |
7.99%* |
| Revolving Line of Credit |
10.90%* |
| CD Secured (Floor is 2.50%)CD Secured (Floor is 2.50%) 2.5 over current CD rate |
Varies |
| Share Secured 2.50% over current share rate |
Varies |
| Misc. Secured |
6.99%* |
PDF Loans Terms & Rates
Credit Card Rates
| Credit Card Term |
APR |
| Visa Platinum |
From 8.9% - 19.9%* |
| Visa Platinum w/ ScoreCard Bonus Points |
From 10.9%-19.9%* |
| New Beginnings Visa |
From 16.9%-19.9%* |
| New Beginnings Visa w/ ScoreCard Bonus Points |
From 17.9%-19.9%* |
| |
*Rate will be based on credit history |
PDF Loans Terms & Rates
Savings Rates
PDF Savings Rates
| Regular Savings & Club Account Rates |
| Dividends |
Rate |
APY |
| $0 - $2,000 |
0.05%* |
0.05%* |
| $2,000.01 - $10,000 |
0.15%* |
0.15%* |
| $10,000.01 + |
0.25%* |
0.25%* |
|
| "Your Savings" Rates |
| Dividends |
Rate |
APY |
| $0 - $5,000 |
0.10%* |
0.10%* |
| $5,000.01 + |
0.20%* |
0.20%* |
|
| Money Market Rates |
| Dividends |
Rate |
APY |
| $0 - $2,000 |
0.10%* |
0.10%* |
| $2,000.01 - $25,000 |
0.25%* |
0.25%* |
| $25,000.01 - $75,000 |
0.50%* |
0.50%* |
| $75,000.01 - $200,000 |
0.65%* |
0.65%* |
| $200,000.01 - $500,000 |
0.75%* |
0.75%* |
| $500,000.01 + |
1.00%* |
1.00%* |
|
| Checking |
| Dividends |
Rate |
APY |
| $0 - $1,000 |
0.00%* |
0.00%* |
| $1,000.01 - $5,000 |
0.05%* |
0.05%* |
| $5,000.01 - $10,000 |
0.15%* |
0.15%* |
| 10,000.01 + |
0.25%* |
0.25%* |
|
| IRA/Deferred Compensation/Health Savings Accounts (HSA) |
| Dividends |
Rate |
APY |
| $0 - $10,000 |
0.50%* |
0.50%* |
| $10,000.01 - $25,000 |
0.75%* |
0.75%* |
| $25,000.01 + |
0.95%* |
0.95%* |
|
| Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit |
| Term |
Rate |
APY |
| 3 - 5 Months |
0.35%* |
0.35%* |
| 6 Months |
0.75%* |
0.75%* |
| 7 - 11 Months |
0.80%* |
0.80%* |
| 12 - 23 Months |
1.25%* |
1.26%* |
| 24 - 35 Months |
1.49%* |
1.50%* |
| 36 - 47 Months |
1.75%* |
1.76%* |
| 48 - 59 Months |
1.85%* |
1.87%* |
| 60 Months |
2.18%* |
2.20%* |
| |
|
|
|
*APY = Annual Percentage Yield. Rates are subject to change. Other rates and terms are available.
|
Disclosures
