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Rates

Rates effective as of 12/13/2013. 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 and up

0.40%
0.45%
0.50%

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


0.35%
0.40%
0.65%
1.09%
1.19%
1.69%
1.98%


0.35%
0.40%
0.65%
1.10%
1.20%
1.70%
2.00%

$50,000 - $99,999.99

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


0.45%
0.50%
0.75%
1.19%
1.29%
1.79%
2.08%


0.45%
0.50%
0.75%
1.20%
1.30%
1.80%
2.10%

$100,000 - Up

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


0.55%
0.60%
0.85%
1.29%
1.39%
1.88%
2.18%


0.55%
0.60%
0.85%
1.30%
1.40%
1.90%
2.20%

Auto Loan Rates

Loan TypeDurationRate
New Auto36 - 48 mos.3.74 - 10.49%
New Auto49 - 60 mos.3.99 - 10.74%
New Auto61 - 72 mos.4.24 - 10.99%
New Auto73 - 84 mos.4.49 - 11.24%
Used AutoUp to 84 mos¥3.74 - 11.24%
Recreational Vehicles§5.74 - 13.24%
Boats, Motors and Trailers§5.74 - 13.24%
Tractors§5.74 - 13.24%

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

§ New boats/motorcycles/tractors/all recreational vehicles/utility trailers: Add 2% to stated automobile rate; used add 4%.

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
20 year
5 year balloon
(Add 2% if not primary residence)


4.24 - 9.99%
4.99 - 10.74%
2.99 - 8.74%

Construction Loan7.49 - 13.74%
Land (5 year)7.49 - 11.99%

Credit Card Rates

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