Rates

Review our rates below. If you’re ready to apply for an auto loan, just sign in here using your online banking user name and password. Our share savings deposit rates and investments are here to help you grow. See details on share savings or review your investment options.

  • Loan Rates

    Loan Type Annual Percentage Rate* Loan Terms
    New and Used Vehicles
    (Cars, Trucks, and Motorcycles)    		 3.99 - 18.00% 24 - 75 months
    New and Used Boats and RVs 5.75 - 18.00% 24 - 120 months
    Motor Homes and House Boats 6.75 - 18.00% 60 - 240 months
    Personal Loans 10.25 - 18.00% up to 60 months
    Appliance & Electronics Loans 8.00 - 15.75% 12 - 120 months
    Lawn & Farm Equipment Loans 8.75 - 16.50% 36 - 120 months
    Share Secured Loans 3.50% up to 120 months
    Mortgage Loans Contact us for more information Contact us for more information
    Home Equity Loans 6.75 - 12.50% 3 - 20 years
    Performance Line of Credit 10.25 - 18.00% adjustable
    Misc. Collateral 7.25 - 18.00% 12 - 60 months
    Credit Builder 10.00% 12 months
    Visa® Platinum Credit Card 8.75 – 18.00% Contact us for more information
    Visa Secured Credit Card 10.99%
    Rates Effective as of 04/01/2026

  • Share Rates

    Account Type Minimum Opening Balance Minimum to Earn Dividends Dividend Rate APY**
    Regular Shares - Variable $5 $.01 0.001% 0.001%
    Regular Shares - Variable $5 $200 0.250% 0.250%
    Regular Shares - Variable $5 $50,000 0.599% 0.600%
    Regular Shares -
    Variable     		$5 $100,000 0.847% 0.850%
    Youth Share $5 $.01 0.001% 0.001%
    Youth Share $5 $200 0.499% 0.500%
    Performance Share - Variable $.01 $200 0.001% 0.001%
    Performance Share - Variable $1000 $200 0.499% 0.500%
    Money Market Savings - Variable $2,500 $2,500-$9,999.99 1.588% 1.600%
    Money Market Savings - Variable $2,500 $10,000-$49,999.99 2.276% 2.300%
    Money Market Savings - Variable $2,500 $50,000-$99,999.99 2.570% 2.600%
    Money Market Savings - Variable $2,500 $100,000 and up 2.765% 2.800%
    Christmas Club - Variable $25 $200 0.499% 0.500%
    Miscellaneous Club -
    Variable     		$25 $200 0.499% 0.500%
    IRA Share - Variable $200 $200 0.499% 0.500%
    Secure Checking $25.00 $.01 0.001% 0.001%
    Secure Checking $25.00 $2,500 0.200% 0.200%
    Kids Club - Variable $5.00 $0.01 5.073% 5.170%

    Effective as of: 7/01/2026

  • Investment Rates

    Account Type Minimum Opening Balance Minimum to Earn Dividends Dividend Rate APY**
    Share and IRA Certificate - Fixed
    (6 mo.)     		$500 $500 1.294% 1.300%
    Share and IRA Certificate - Fixed
    (1 year)     		$500 $500 2.231% 2.250%
    Share and IRA Certificate - Fixed
    (2 year)     		$500 $500 2.379% 2.400%
    Share and IRA Certificate - Fixed
    (3 year)     		$500 $500 2.379% 2.400%
    Share and IRA Certificate - Fixed
    (5 year)     		$500 $500 2.570% 2.600%
    Share and IRA Certificate - Fixed
    (7 months)     		$5,000 $5,000 3.747% 3.800%

    Effective as of: 12/05/2025 *Rates subject to change daily. 7 month Certificate Promotional rate for a limited time. $5,000 of new money. Contact us for restrictions.

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