Rates

All rates are effective as of February 1st 2019 and are subject to change without notice.

Deposit Rates

Savings Accounts ($10 Account Opening*) ($100 minimum to earn dividend)	Dividend Rate	Annual Percentage Yield
Share/Savings Accounts	0.010%	0.010%
Club Accounts	0.010%	0.010%
Health Savings Accounts	0.010%	0.010%

* Click here for New Account Disclosures

Money Market Accounts

Money Market Accounts	Annual Percentage Yield
$2,000 – $20,000	0.050%
$20,001 – $75,000	0.080%
$75,001 + over	0.10%

($1,000 minimum)
($2,000 minimum to earn dividends)

All rates are effective as of February 1st 2019 and are subject to change without notice.

Certificate Rates – Share, Traditional IRA and Roth IRA

Certificate Rates – Share, Traditional IRA and Roth IRA	Dividend Rate	Annual Percentage Yield	Minimum Balance
3 months	0.200%	0.200%	$500.00
6 months	0.300%	0.300%	$500.00
1 year	0.400%	0.400%	$500.00
2 years	0.600%	0.600%	$500.00
3 years	0.890%	0.890%	$500.00
4 years	N/A	N/A	N/A
5 years	1.740%	1.750%	$500.00

($500 minimum)

Auto Loans

Auto Loans	Annual Percentage Rate 1 (as low as)	Term
New or Used Autos Loan (2014-2019)
New or Used Auto Loan with Balance over $5,000	3.50%	up to 48 months
New or Used Auto Loan with Balance over $5,000	4.00%	up to 60 months
New or Used Auto Loan with Balance over $5,000	4.75%	up to 72 months

.20% discount with direct deposit and checking account

Home Equity Loans

Home Equity Loans	Annual Percentage Rate 2 (as low as)	Term
Home Equity Loan (Fixed)	3.250%	5 Years
	3.750%	10 Years
	4.375%	15 Years
	4.750%	20 Years
Home Equity Line of Credit (Prime Rate)	5.50% (as of 02/01/2019)

Traditional Loans

Traditional Loans	Annual Percentage Rate 3 (as low as)	Term
Share Secured Loan	3.00% + Dividend Rate	Max 60 months
Home Improvement Loan	11.45%	12 Months
Personal Loan	11.45%	up to 60 Months

.20% discount on Personal Loans with direct deposit and checking account

Visa® Credit Cards

Cards	Annual Percentage Rate 3 (as low as)
	11.45%

First Mortgage rates are quoted daily. All rates are subject to change without notice. Rates as low as indicated. ¹Your rate will be based on the number of years your loan is financed, as well as your credit score. ²Your rate will be based on your loan-to-value ratio, as well as your credit score. ³ Your rate will be based on your credit score.

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