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Rates

Rates effective as of 1/14/2016. Rates may change after accounts are opened. Fees may reduce earnings. APY = Annual Percentage Yield.

Money Market Rates

ProductDividend Rate
Money Market

$2,500 - $9,999
$10,000 - $24,999
$25,000 = $49,999
$50,000 and up


0.40%
0.45%
0.50%
0.80%

Savings Rates

ProductRateAPY
Share Savings0.25%0.25%
Christmas Savings0.25%0.25%
IRA Savings0.50%0.50%
Share Draft (checking)

With avg daily balance of $300

0.15%0.15%

Time Share Certificate Rates

ProductDividend RateAPY
$1,000 - $49,999.99

3 mos.
6 mos.
1 year
2 year
3 year
4 year
5 year
28 mos.


0.35%
0.45%
0.90%
1.19%
1.39%
1.59%
1.98%
1.34%


0.35%
0.45%
0.90%
1.20%
1.40%
1.60%
2.00%
1.35%

$50,000 - $99,999.99

3 mos.
6 mos.
1 year
2 year
3 year
4 year
5 year
28 mos.


0.45%
0.50%
0.90%
1.29%
1.49%
1.59%
1.93%
1.34%


0.45%
0.50%
0.90%
1.30%
1.50%
1.60%
1.95%
1.35%

$100,000 - Up

3 mos.
6 mos.
1 year
2 year
3 year
4 year
5 year
28 mos.


0.55%
0.60%
1.00%
1.39%
1.59%
1.69%
2.03%
1.54%


0.55%
0.65%
1.00%
1.40%
1.60%
1.70%
2.05%
1.55%


Auto Loan Rates

Loan TypeDurationRate
New Autoup to 36 mos.2.49 - 8.99%
New Auto37 - 48 mos.2.49 - 9.49%
New Auto49 - 60 mos.2.49 - 10.99%
New Auto61 - 72 mos.2.99 - 11.24%
New Auto73 - 84 mos.4.99 - 12.99%
Used AutoUp to 84 mos ¥2.49 - 12.99%
New and Used Boats, Motors,Trailers, Recreational Vehicles and Tractors up to 120 monthsadd 1% to stated auto rate

¥ Used car term based on make, model year and amount financed.


Home Equity Line of Credit

ProductRate
Home Equity Line of Credit
Index - WSJ Prime Rate†
See Promotional Rate
2nd Mortgage Line-of-Credit
Index - WSJ Prime Rate†
See Promotional Rate

†The index is the prime rate published in the Wall Street Journal

Property Loan Rates

ProductRate
Real Estate Loan

15 year
30 year
(Add 2% if not primary residence)

3.75 - 9.99%
quoted daily

Construction Loan4.00-10.24%

Credit Card Rates

ProductRate
Introductory Rate3.99 - 9.99%
After 6 – 12 Months10.99 - 17.99%