Rates

  • Loan Rates

    Loan Type Annual Percentage Rate* Loan Terms
    New and Used Vehicles
    (Cars, Trucks, and Motorcycles)    		 4.25 - 18.00% 36 - 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 7.25 - 12.75% 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 9.25 – 18.00% Contact us for more information
    Visa Secured Credit Card 10.99%
    Rates Effective as of 09/19/2025

  • 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 4.550% 4.628%

    Effective as of: 10/01/2025

  • 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
    (10 months)     		$5,000 $5,000 3.747% 3.800%

    Effective as of: 10/19/2025 *Rates subject to change daily. 10 month Certificate Promotional rate for a limited time. $5,000 of new money. Contact us for restrictions.