Deposit Rates

Savings Account Rates

Description
Rate
APY**
Prime Share Account ($25 minimum)
0.20%
0.20%
Daily Money Market Account ($250 minimum)
0.45%
0.45%
Christmas Club Account
0.20%
0.20%

Checking Account Rates

Description
Rate
APY**
Share Draft — Checking Account
0.10%
0.10%

IRA (Individual Retirement Account) Rates

Description
Rate
APY**
Variable Rate
1.25%
1.25%
12-Month Fixed
0.55%
0.55%
18-Month Fixed
0.65%
0.65%
24-Month Fixed
0.85%
0.85%

Share Certificate Rates

Description
Rate
APY**
6 Months ($500 minimum)
1.20%
1.20%
12 Months ($500 minimum)
1.25%
1.25%
18 Months ($500 minimum)
3.00%
3.00%
24 Months ($500 minimum)
1.35%
1.35%
36 Months ($500 minimum)
1.50%
1.50%

**APY (Annual Percentage Yield)
All accounts are accrued daily and are compounded monthly.
Dividend rates may be changed at any time. Dividends on all accounts are based on available earnings and are not guaranteed.
Early withdrawal penalties apply. Fees could reduce the earnings on the account.

Effective November 18, 2022

Loan Rates

Automobile Loan Rates1

Description
APR*
Term
New Auto
 Current or Prior Year - less than 10,000 miles
3.50% to 6.00%
Up to 60 Months
New Auto
 Current or Prior Year - less than 10,000 miles
3.75% to 6.25%
Up to 72 Months
New Auto
 Current or Prior Year - less than 10,000 miles
4.75% to 5.25%
Up to 84 Months
Used (Previously Titled)
4.00% to 6.50%
Up to 60 Months
Used (Previously Titled)
4.25% to 6.75%
Up to 72 Months
Used (Previously Titled)
5.25% to 5.75%
Up to 84 Months

Motorcycle Loan Rates1

APR*
Term
7.00% to 8.00%
Up to 60 Months
7.50% to 8.50%
Up to 72 Months

Boat Loan Rates1

APR*
Term
7.00% to 8.00%
Up to 60 Months
7.50% to 8.50%
Up to 72 Months
8.50% to 9.50%
Up to 120 Months

*Boats older then 10 years are limited to 60 Months.

Share Secured Loan Rates

Description
APR*
Term
Share Secured
Prime Share/CD + 2.00%
Up to 48 Months

Personal Loan Rates

APR*
Term
9.50% to 12.50%
Up to 60 Months

Visa® Credit Card Rates

Description
APR*
Features
Credit Card
9.00%
No Annual Fee

*APR= Annual Percentage Rates
1Rates and terms will vary depending on the credit-worthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 2.49% APR, the monthly payment will be $219.10. The 2.49% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program. All loans are subject to credit approval. Other terms and conditions may apply. Advertised rates and terms are subject to change at any time without notice.

Effective November 16, 2022