Rates & Fees

Rates and fees subject to change without prior notice. Fees may reduce earnings for accounts where fees apply.

 

Rates current as of April 28, 2017.

 

 


 

Savings & Money Market

 

Type

Rate

APY*

Min. Balance

Compounds

Regular Share

0.10%

0.10%

$5.00

Daily

Money Market

0.15%

0.15%

$1,000.00

Daily

 

0.10%

0.10%

less than $1000.00

Daily

All Purpose Club

0.10%

0.10%

$1.00

Daily

(interest earned on $10 or higher)        

*APY = Annual Percentage Yield

 

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Checking

 

Type

Rate

APY*

Min. Balance

Compounds

First Advantage

0.05%

0.05%

None

Daily

Jump Start

0.05%

0.05%

None

Daily

Elite Business

.01%

.01%

Less than $1,000

Daily

 

.05%

.05%

$1,000 to $9,999

Daily

 

.10%

.10%

$10,000 to $24,999

Daily

 

.20%

.20%

$25,000 to $49,999

Daily

 

.25%

.25%

$50,000 to $99,999

Daily

 

.50%

.50%

$100,000 plus

Daily

*APY = Annual Percentage Yield

 

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Share Certificates

 

Type

Rate

APY*

Min. Balance

Compounds

3 month

.20%

.20%

$1,000.00

Daily

6 months

.35%

.35%

$1,000.00

Daily

12 months

.60%

.60%

$500.00

Daily

24 months

.90%

.90%

$500.00

Daily

36 months

1.20%

1.21%

$500.00

Daily

48 months

1.50%

1.51%

$500.00

Daily

*APY = Annual Percentage Yield

Penalty may be imposed for early withdrawal.

 

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Traditional, Roth, and Education IRAs

 

Type

Rate

APY*

Min. Balance

Compounds

12 months

.60%

.60%

$100.00

Daily

24 months

.90%

.90%

$100.00

Daily

36 months

1.20%

1.21%

$100.00

Daily

48 months

1.50%

1.51%

$100.00

Daily

*APY = Annual Percentage Yield.

Penalty may be imposed for early withdrawal. 

 

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Vehicle Loans

 

Type

APR* (as low as)

Term (up to)

Monthly PMT (per $1,000)

Finance Charge

New/Used Auto

1.99%

48

$21.70

$41.20

4 years and newer

2.49%

60

$17.75

$64.61

 

3.24%

72

$15.31

$101.81

 

3.74%

84**

$13.56

$138.26

Used Auto Loans

2.99%

48

$22.14

$62.33

5 years and older

3.24%

60

$18.08

$84.66

Loan up to 100% retail NADA

4.24%

72

$15.76

$134.46

Recreational Vehicle Loans - Titled

3.25%

60

$18.09

$84.88

 

4.75%

72

$16.00

$151.39

 

6.25%

144

$9.90

$423.81

Recreational Vehicle Loans - No Title

5.25%

60

$18.99

$139.37

 

6.75%

72

$16.94

$219.09

 

7.75%

144

$10.70

$539.14

*APR = Annual Percentage Rate

Rate determined by credit report and collateral

**84 month term only for New/Used 2 years and newer

 

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Personal Loans

 

Type

APR* (as low as)

Term (up to)

Monthly PMT (per $1,000)

Finance Charge

Personal Loans

8.25%

24

$45.36

$88.43

Max loan amount $15,000

8.50%

36

$31.58

$136.71

 

9.00%

48

$24.90

$194.72

 

9.50%

60

$21.01

$260.56

Credit Creator***

Max amount $2,000

7.00%

24

$44.79

$74.74

Credit Restoration***

Max amount $5,000

9.00%

48

$24.90

$194.72

Revolving Credit

Max amount $10,000

12.90%

 

 

 

Overdraft Revolving Credit

Max amount $5,000

14.90%

 

 

 

Collateral Loans

3% over interest being earned
on account held as collateral

 

 

 

 

*APR = Annual Percentage Rate

Rate determined by credit report and collateral

***Proceeds held in an interest bearing certificate for full term of the loan

 

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Mortgages

 

Type

Rate

APR*

Monthly PMT (per $1,000)

Points

Adjustable Rate Mortgages

 

 

 

 

5 & 1 Fixed Variable

3.500%

3.550%

$4.49

0

7 & 1 Fixed Variable

3.625%

3.676%

$4.56

0

7 & 3 Fixed Variable

3.750%

3.802%

$4.63

0

10 & 5 Fixed Variable

4.000%

4.243%

$4.77

0

Convertible

3.250%

3.299%

$4.35

0

1 Year Adjustable Rate Mortgage

3.250%

3.299%

$4.35

0

3 Year Adjustable Rate Mortgage

3.375%

3.425%

$4.42

0

40 Year Mortgage

3.625%

3.666%

$3.95

0

Land Loan

1 - 10 Years, 25% down payment

3.250%

3.375%

$9.77

0

Fixed Rate Mortgages

 

 

 

 

15 Year

3.375%

3.462%

$7.09

0

20 Year

3.875%

3.948%

$5.99

0

30 Year

4.125%

4.179%

$4.85

0

40 Year

4.875%

4.924%

$4.74

0

First Time Home Buyers

 

 

 

 

30 Year Fixed

4.125%

4.150%

$4.85

0

*APR = Annual Percentage Rate

All mortgage annual percentage rates (APR) are for 1-4 unit owner occupied primary residences, based on 20% down payment. APR's may vary with lesser down payment. All mortgages with a loan to value of 80% and over require Prive Mortgage Insurance (PMI). Rates subject to change without any prior notice. Please call for detailed guidelines.

 

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Home Equities

 

Type

Rate

APR*

Monthly PMT (per $1,000)

Home Equity Loans

 

 

 

0 - 5 Years

3.500%

3.846%

$18.19

6 - 10 Years

3.750%

3.933%

$10.01

11 - 15 Years

4.750%

4.886%

$7.78

Endless Equity Line of Credit

 

 

 

New Equity Member

Fixed for the first 24 months then prime for life

2.740%

Minimum APR is 4.000% and maximum is 15.000%

 

Refinanced

Fixed for the first 24 months then prime for life

4.375%

Minimum APR is 4.375% and maximum is 15.000%

 

Max Equity Loan

 

 

 

5 Year

5.000%

5.377%

$18.87

10 Year

5.250%

5.452%

$10.73

15 Year

6.250%

6.402%

$8.57

Max Equity Line of Credit

Fixed for the first 24 months then prime +1.750%

5.750%

Minimum APR is 5.750% and maximum is 15.000%

 

*APR = Annual Percentage Rate

All Home Equity and Home Equity Line of Credit annual percentage rates (APR) are based on the prime lending rate published in the Wall Street Journal, currently at 4.000% as of 3/16/2017. Rates apply to 1-4 unit owner occupied primary residences. Rates subject to change without notice. Please call for detailed underwriting guidelines. Early termination fee applies.

 

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