Rates
Loan Rates
| Score | 48 Mos. | 60 Mos. | 72 Mos. | 84 Mos.** |
|---|---|---|---|---|
| A+ = 750+ | 5.25% | 5.50% | 5.75% | 6.25% |
| A = 680-749 | 5.75% | 6.00% | 6.25% | 6.75% |
| B = 640-679 | 6.75% | 7.00% | 7.25% | 7.75% |
| C = 600-639 | 8.75% | 9.00% | 9.25% | 9.75% |
| D = 550-599 | 10.75% | 11.00% | 11.250% | 11.75% |
| E = 549- | 15.75% | 16.00% | 16.25% | 16.75% |
*APR = Annual Percentage Rate
**Minimum $20,000
| Year | A+ | 750+ | A | 680-749 | B | 640-679 | C | 600-639 | D | 550-599 | E | 549- |
|---|---|---|---|---|---|---|
| 2014 & Under | 48 Mos. | 7.50% | 8.00% | 9.00% | 11.00% | 14.50% | 18.00% |
| 2015-2017 | 60 Mos. | 7.75% | 8.25% | 9.25% | 11.25% | 14.75% | 18.00% |
| 2015-2017 | 48 Mos | 6.75% | 7.25% | 8.25% | 10.25% | 13.75% | 18.00% |
| 2015-2017 | 60 Mos | 7.25% | 7.75% | 8.75% | 10.75% | 14.25% | 18.00% |
| 2018-2020 | 60 Mos | 6.50% | 7.00% | 8.00% | 10.00% | 13.50% | 18.00% |
| 2018-2020 | 72 Mos | 6.75% | 7.25% | 8.25% | 10.25% | 13.70% | 18.00% |
| 2021-2024 | 60 Mos | 5.75% | 6.25% | 7.25% | 9.25% | 12.75% | 18.00% |
| 2021-2024| 72 Mos | 6.25% | 6.75% | 7.75% | 9.75% | 13.25% | 18.00% |
| 2021-2024 | 84 Mos | 6.50% | 7.00% | 8.00% | 10.00% | 13.50% | 18.00% |
*APR = Annual Percentage Rate
**Minimum $20,000
| Score | < 2014 | 60 Mos. | 2015- 2016 66 Mos. | 2017 - 2019 | 70 Mos. | 2020 - 2021 | 72 Mos. | 2022 - 2024 | 84 Mos.** |
|---|---|---|---|---|---|
| A+ = 750+ | 8.75% | 8.50% | 8.00% | 7.75% | 7.50% |
| A = 680-749 | 9.25% | 9.00% | 8.50% | 8.25% | 8.00% |
| B = 640-679 | 10.25% | 10.00% | 9.50% | 9.25% | 9.00% |
| C = 600-639 | 12.25% | 12.00% | 11.50% | 11.25% | 11.00% |
| D = 550-599 | 15.75% | 15.50% | 15.00% | 14.75% | 14.50% |
| E = 549- | 18.00% | 18.00% | 18.00% | 18.00% | 18.00% |
*APR = Annual Percentage Rate
** 84 Month - Minimum $20,000
| Score | 60 Mos. | 84 Mos. |
|---|---|---|
| A+ = 750+ | 9.00% | 10.00% |
| A = 680-749 | 9.50% | 10.50% |
| B = 640-679 | 10.50% | 11.50% |
| C = 600-639 | 12.00% | 13.00% |
| D = 550-599 | 14.50% | 15.50% |
| E = 549- | ||
| Score | 60 Mos. | 84 Mos. |
|---|---|---|
| A+ = 750+ | 10.25% | 10.50% |
| A = 680-749 | 10.75% | 11.00% |
| B = 640-679 | 11.75% | 12.00% |
| C = 600-639 | 13.25% | 13.50% |
| D = 550-599 | 15.75% | 16.00% |
| E = 549- | ||
| Score | 24 Mos. | 36 Mos. | 48 Mos. | 60 Mos. |
|---|---|---|---|---|
| A+ = 750+ | 10.00% | 10.25% | 10.75% | 11.00% |
| A = 680-749 | 10.25% | 10.75% | 11.25% | 11.50% |
| B = 640-679 | 11.25% | 11.75% | 12.25% | 12.50% |
| C = 600-639 | 12.75% | 13.25% | 13.75% | 14.00% |
| D = 550-599 | 15.25% | 15.75% | 16.25% | 16.50% |
| E = 549- | 18.00% | 18.00% | 18.00% | 18.00% |
*APR = Annual Percentage Rate
| Score | 36 Mos. |
|---|---|
| A+ = 750+ | 8.9% |
| A = 680-749 | 8.9% |
| B = 640-679 | 9.9% |
| C = 600-639 | 12.9% |
| D = 550-599 | 16.4% |
| E = 549- | 18% |
| Score | 36 Mos. | 60 Mos. |
|---|---|---|
| A+ = 750+ | 8.75% | |
| A = 680-749 | 9.00% | |
| B = 640-679 | 10.00% (at 48 months) | |
| C = 600-639 | 11.50% | |
| D = 550-599 | 15.00% | |
| E = 549- | 18.00% |
| 1st Mtg. | 2nd Mtg. | HELOC |
|---|---|---|
Savings Rates
We offer Share Savings Accounts, Christmas Clubs, Youth Accounts, Share Certificates, IRAs, Money Markets, Accumulation, and Organization Accounts.
Rates Effective 2/01/2024
| Product | Minimum Balance Requirements | Nominal Rate | APY** |
|---|---|---|---|
| Regular Shares | $5.00 | 0.20% | 0.20% |
| Premier Checking Account | $2,500.00 | 0.40% | 0.40% |
| Christmas Club | None | 0.20% | 0.20% |
| IRA Traditional | None | 0.45% | 0.45% |
**APY = Annual Percentage Yield
Effective 7/1/2022
| Balance | Minimum Balance Required to earn stated APY** | Nominal Rate | APY** |
|---|---|---|---|
| $1,000 - $4,999 | $1,000.00 | 0.15% | 0.15% |
| $5,000 - $9,999 | $5,000.00 | 0.20% | 0.20% |
| $10,000 - $24,999 | $10,000.00 | 0.25% | 0.25% |
| $25,000 or more | $25,000.00 | 0.30% | 0.30% |
**APY = Annual Percentage Yield
Rates subject to change monthly. Two withdrawals per month allowed, $10.00 for each additional withdrawal.
Effective 7/1/2022
| Balance | Minimum Balance Required to earn stated APY** | Nominal Rate | APY** |
|---|---|---|---|
| $10,000 - $24,999 | $10,000.00 | 0.30% | 0.30% |
| $25,000 - $49,999 | $25,000.00 | 0.35% | 0.35% |
| $50,000 - $74,999 | $50,000.00 | 0.40% | 0.40% |
| $75,000 or more | $75,000.00 | 0.45% | 0.45% |
**APY = Annual Percentage Yield
Rates subject to change monthly. One free withdrawal per month allowed, $10.00 for each additional withdrawal.
Effective 7/1/2022
| Term | Minimum Balance Required to earn stated APY** | Nominal Rate | APY** |
|---|---|---|---|
| 91-Day Certificate | $500.00 | 0.30% | 0.30% |
| 182-Day Certificate | $500.00 | 0.40% | 0.40% |
| 1-Year Certificate (365 Days) | $500.00 | 0.50% | 0.50% |
| 18-Month Certificate | $500.00 | 0.55% | 0.55% |
| 2-Year Certificate | $500.00 | 0.65% | 0.65% |
| 3-Year Certificate | $500.00 | 0.80% | 0.80% |
| 4-Year Certificate | $500.00 | 1.00% | 1.00% |
**APY = Annual Percentage Yield
Rates subject to change, call to confirm current rate.