Rates & Fees

 

Rates and fees subject to change without prior notice. Fees may reduce earnings for accounts where fees apply. Rates current as of December 15, 2018.

 

 

 

 

Savings & Money Market

Type

Rate

APY*

Min. Balance

Regular Share

0.10%

0.10%

$5.00

Money Market

0.15%

0.15%

$1,000.00

 

0.10%

0.10%

less than $1,000.00

Money Market Plus

2.15%

2.17%

$100,000.00 +

 

2.00%

2.02%

$50,000.00 - $99,999.99

 

1.75%

1.77%

$25,000.00 - $49,999.99

 

0.15%

0.15%

$1,000.00 - $24,999.99

 

0.10%

0.10%

less than $1,000.00

All Purpose Club

(interest earned on $10 or higher)

0.10%

0.10%

$1.00

*APY = Annual Percentage Yield. Compounds daily.

‡If Money Market Plus criteria isn’t met in any given month, regular Money Market rates will apply for that month. Money Market Plus criteria is: must have active checking account with minimum of 1 direct deposit into the checking account and 10 debit card transactions from the checking account per statement cycle to qualify for higher rates, otherwise standard money market rates apply.

 

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Checking

Type

Rate

APY*

Min. Balance

First Advantage

0.05%

0.05%

None

Jump Start

0.05%

0.05%

None

Elite Business

0.01%

0.01%

Less than $1,000

 

0.05%

0.05%

$1,000 to $9,999

 

0.10%

0.10%

$10,000 to $24,999

 

0.15%

0.15%

$25,000 to $49,999

 

0.20%

0.20%

$50,000 to $99,999

 

0.50%

0.50%

$100,000 plus

*APY = Annual Percentage Yield. Compounds daily.

 

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Certificates

Type

Rate

APY*

Min. Balance

3 month

0.55%

0.55%

$1,000.00

6 months

0.80%

0.80%

$1,000.00

12 months

1.65%

1.66%

$500.00

18 Months - Minimum of $10,000 in new money, limited time offer

2.50%

2.53%

$10,000.00

24 months

1.85%

1.87%

$500.00

36 months

2.00%

2.02%

$500.00

48 months

2.25%

2.28%

$500.00

60 months

3.00% 3.04% $500.00

*APY = Annual Percentage Yield. Penalty may be imposed for early withdrawal. Compounds daily.

 

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IRAs

Type

Rate

APY*

Min. Balance

12 months

1.65%

1.66%

$100.00

18 Months - Minimum of $10,000 in new money, limited time offer

2.50%

2.53%

$10,000.00

24 months

1.85%

1.87%

$100.00

36 months

2.00%

2.02%

$100.00

48 months

2.25%

2.28%

$100.00

60 months

3.00% 3.04% $100.00

*APY = Annual Percentage Yield. Penalty may be imposed for early withdrawal. Compounds daily.

 

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Vehicle Loans

Type

APR* (as low as)

Term (up to)

Monthly PMT (per $1,000)

Auto Loans

Model Years 2016 - 2019

Loan up to 100% retail NADA

3.79%

63

$17.54

 

4.19%

66

$17.00

 

4.59%

72

$15.92

 

4.69%

75

$15.41

 

5.29%

84**

$14.28

Model Year 2015

4.34%

63

$17.78

 

4.54%

66

$17.16

 

4.69%

72

$15.97

 

4.79%

75**

$15.46

 

5.49%

84**

$14.37

Model Year 2014

4.54%

63

$17.88

 

4.64%

66

$17.20

 

4.89%

72

$16.06

 

4.89%

75**

$15.51

 

5.84%

84**

$14.54

Model Year 2013

4.79%

63

$17.99

 

4.79%

66**

$17.27

 

5.34%

72**

$16.27

 

5.94%

75**

$16.00

Model Year 2012

4.74%

60

$18.76

Model Year 2011

5.29%

48

$23.17

Model Year 2010 and Older

5.29%

48

$23.17

Recreational Vehicle Loans - Titled

4.50%

60

$18.65

 

5.75%

72

$16.46

 

7.25%

144

$10.42

Recreational Vehicle Loans - No Title

6.50%

60

$19.57

 

7.75%

72

$17.42

 

8.75%

144

$11.25

*Annual Percentage Rate (APR). Rates subject to change without notice. Rate determined by credit report and collateral.

**Term available subject to credit score.

 

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Personal Loans

Type

APR* (as low as)

Term (up to)

Monthly PMT (per $1,000)

Personal Loans

Max loan amount $15,000

8.50%

24

$45.46

 

8.75%

36

$31.69

 

9.25%

48

$25.01

 

9.75%

60

$21.13

Credit Builder***

Max amount $5,000

7.00%

60

$19.81

Signature Line of Credit

Max amount $10,000

12.90%

 

 

Overdraft Protection Line of Credit

Max amount $5,000

14.90%

 

 

Share Secured Loans

3% over interest being earned
on account held as collateral

 

 

 

*Annual Percentage Rate (APR). Rates subject to change without notice. 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

3.875%

3.928%

$4.70

0

7 & 1 Fixed Variable

4.000%

4.054%

$4.77

0

7 & 3 Fixed Variable

4.125%

4.179%

$4.85

0

10 & 5 Fixed Variable

4.250%

4.305%

$4.92

0

Convertible

3.625%

3.676%

$4.56

0

1 Year Adjustable Rate Mortgage

3.625%

3.676%

$4.56

0

3 Year Adjustable Rate Mortgage

3.750%

3.899%

$4.63

0

40 Year Mortgage

4.000%

4.043%

$4.18

0

Land Loan

1 - 10 Years, 25% down payment

3.625%

3.754%

$9.95

0

Fixed Rate Mortgages

 

 

 

 

15 Year

4.375%

4.471%

$7.59

0

20 Year

4.750%

4.830%

$6.46

0

30 Year

5.000%

5.061%

$5.37

0

40 Year

5.250%

5.302%

$4.99

0

First Time Home Buyers

 

 

 

 

30 Year Fixed

5.000%

5.030%

$5.37

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 Private 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

4.000%

4.068%

$18.42

6 - 10 Years

4.375%

4.414%

$10.30

11 - 15 Years

4.750%

4.780%

$7.78

Endless Equity Line of Credit

 

 

 

New Equity Member

Fixed for the first 24 months then prime for life

3.500%

Minimum APR is 5.250% and maximum is 15.000%

 

Refinanced

Fixed for the first 24 months then prime for life

4.750%

Minimum APR is 5.250% and maximum is 15.000%

 

Max Equity Loan

 

 

 

5 Year

5.500%

5.595%

$19.10

10 Year

5.750%

5.803%

$10.98

15 Year

6.750%

6.795%

$8.85

Max Equity Line of Credit

Fixed for the first 24 months then prime +1.750%

7.000%

Minimum APR is 7.000% 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 5.250% as of 9/27/2018. 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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