Current Rates
Savings Rates
Effective Date: 02/15/2023
| Account Type | APR | APY |
|---|---|---|
| Savings Account | 0.10% | 0.10% |
| Checking Account* | 0.10% | 0.10% |
| Christmas Club | 0.10% | 0.10% |
| IRA** | 0.40% | 0.40% |
Share Certificates
Effective Date: 12/06/2023
| Term | APR | APY |
|---|---|---|
| 6 months | 0.75% | 0.75% |
| 1 Year | 2.00% | 2.00% |
| 2 Year | 3.00% | 3.00% |
New Auto/Motorcycle Loans
Effective Date: 02/20/2026
| Term | APR as low as |
|---|---|
| New Auto 2025-2026 | |
| 63 Months | 5.25% |
| 66 Months | 5.50% |
| 72 Months | 5.75% |
| 84 Months | 6.25% |
| New Motorcycle 2025-2026 | |
| 63 Months | 5.75% |
| 66 Months | 6.00% |
| 72 Months | 6.25% |
Used Auto/Motorcycle Loans
Effective Date: 02/20/2026
| Term | APR as low as |
|---|---|
| 2023-2024 | |
| 63 Months | 6.00% |
| 72 Months | 6.25% |
| 2021-2022 | |
| 63 Months | 6.25% |
| 72 Months | 6.50% |
| 2019-2020 | |
| 63 Months | 6.75% |
| 2016-2018 | |
| 60 Months | 7.00% |
Personal Loans
Effective Date: 08-01-2023
| Account Type | APR |
|---|---|
| Share Secured (Cash Secured) | 3.00% |
| CD Secured | 2.50% above CD Rate, but not to be below cash secured |
Mortgage Loans
Effective Date: 02/20/2026
| Account Type | Term | APR |
|---|---|---|
| First Mortgage | <15 Years (up to 180 months) | 5.50% |
| Second Mortgage | <15 Years (up to 180 months) | 6.00% |
| First Mortgage | >15 Years (up to 240 months) | 6.50% |
| Second Mortgage | >15 Years (up to 240 months) | 6.75% |
| Home Equity Line of Credit/HELOC | N/A | N/A |
| Land Only | <15 years (up to 180 months) | 6.75% |
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