Rates

Share Rates (effective as of September 30, 2024)

Type	Annual Percentage Rate	Annual Percentage Yield	Minimum Balance/Notes
Shares	0.30%	0.30%	$50.00 (Minimum average daily balance over $50.00 to receive dividend)
Checking	0.30%	0.30%	$500.00 (Minimum average daily balance of $500.00 required to earn dividend)
Christmas Club	0.30%	0.30%	$0.00 ($0.00 Minimum balance to receive dividend. Dividend rate paid annually October 31st)
The below calculator is for informational purposes only.

Average Daily Balance, paid at the end of each quarter.

Certificates of Deposit (effective as of October 1, 2024)

Term	Annual Percentage Rate	Annual Percentage Yield	Minimum Deposit
6 Month	1.00%	1.00%	$1,000.00
1 Year - Promo	4.50%	4.50%	$1,000.00
2 Year	2.75%	2.75%	$1,000.00
3 Year	2.50%	2.50%	$1,000.00
5 Year	2.75%	2.75%	$1,000.00
The below calculator is for informational purposes only.

Loan Rates (effective as of October 1, 2024)

Type	Term	APR*	Notes
2023-2020 Auto	Up to 66 months	5.99%	New/Used/Lease Buy-Out
2019 -2017 Auto	Up to 66 months	6.75%	Used or Lease Buy-out
2016-2014 Auto	Up to 66 months	7.00%	Used or Lease Buy-out
2013-2011 Auto	Up to 66 months	7.50%	Used
2010-2008 Auto	Up to 66 months	8.00%	Used
2007-2005 Auto	Up to 66 months	8.50%	Used
2004-2002 Auto	Up to 66 months	9.00%	Used
Motorcycle	Up to 66 months	7.50%	Rates based on model year
Recreational Vehicle	Up to 66 months	8.50%	Rates based on model year
Boat	Up to 66 months	8.50%	Rates based on model year
Personal	1 Year	9.99%	Up to $10,000
Personal	2 Year	10.99%	Up to $10,000
Personal	3 Year	11.99%	Up to $10,000
Personal	4 Year	12.99%	Up to $10,000
Personal	5 Year	13.99%	Up to $10,000
Home Equity	$10,000 Minimum	$250,000 Maximum	Applicant must furnish copy of deed
Home Equity	1 to 5 years	5.99%	80% value of home
Home Equity	5 to 10 years	6.99%	80% value of home
Home Equity	10 to 15 years	7.99%	80% value of home
Visa		9.90%	No annual fee, $10,000 maximum
Student Visa		9.90%	No annual fee, $1000 maximum
Visa Balance Transfer		6.99%	No Fees

*APR = Annual Percentage Rate. All rates are listed "as low as" based on credit worthiness, debt ratio and loan to value. For auto, boat, motorcycle and RV loan terms over 66 months, add 0.25% to the base rate.