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Consumer Loan rates | Real Estate rates | Saving rates

Consumer Loan Rates

as of 8/21/2019

Auto Loan Rates1

Comparison table of Auto Loan Rates1.
Product Int. Rate APR*
36 Months 3.240 3.240
48 Months 3.490 3.490
60 Months 3.740 3.740
72 Months 4.240 4.240
84 Months 4.740 4.740

Kwik Cash

Comparison table of Kwik Cash.
Product Int. Rate APR*
Kwik Cash Loans start at 13.750 13.750

Credit Cards

Comparison table of Credit Cards.
Product Int. Rate APR*
Visa 9.990 9.990
Visa Balance Transfer 5.990 5.990

Unsecured Loans

Comparison table of Unsecured Loans.
Product Int. Rate APR*
36 months 8.740 8.740
48 months 8.990 8.990
60 months 9.240 9.240

1 Rates are based on your credit score. Terms of loans may be reduced on vehicles 2012 and older. To obtain a specific rate with your personal qualifications, please contact a Lending Specialist.  Add 1.00% to qualified rate for any non-titled recreational loan (includes ATVs, snowmobiles, trailers, mopeds & jet skis). Receive up to .25% off your qualified rate for auto pay and e-Statements. APR is Annual Percentage Rate. All rates and terms are subject to change without notice. Rates are effective as of the Approval Date of loan. Membership Restrictions Apply.

Consumer Loan rates | Real Estate rates | Saving rates

Real Estate Loan Rates

as of 4/01/2019

First Mortgage

Comparison table of First Mortgage.
Product Int. Rate APR*
30 Year Fixed Call for Rates 0.00
15 Year Fixed 4.250 4.300
10 Year Fixed 4.000 4.070
3/1 Year ARM 3.500 3.530
5/1 Year ARM 3.500 3.780
7/1 Year ARM 4.000 4.030

Second Mortgage

Comparison table of Second Mortgage.
Product Int. Rate APR*
3/1 Year ARM 4.500 4.530
5/1 Year ARM 4.750 4.780
7/1 Year ARM 5.000 5.030
15 Year Fixed 5.250 5.280
10 Year Fixed 5.000 5.050

Real Estate Equity Advance Plan

Comparison table of Real Estate Equity Advance Plan.
Product Int. Rate APR*
LTV 80% or Less 5.000 5.030
LTV over 80% up to 90% 5.500 5.530

Lot Loans

Comparison table of Lot Loans.
Product Int. Rate APR*
Lot Loans 5.250 5.320

Bare Land Loans

Comparison table of Bare Land Loans.
Product Int. Rate APR*
Bare Land Loans 5.750 5.823

1 *APR is Annual Percentage Rate. Your actual rate may be different since many factors are used to provide you with a mortgage loan. The interest rates listed assume specific qualifications are met regarding credit history, loan to value (equity), and debt to income ratios. To obtain a specific rate with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice. 

Consumer Loan rates | Real Estate rates | Saving rates

Savings Rates

as of 10/22/2019

Minimum deposit to earn dividends on a Regular Share or Regular IRA Share Account is $50 

Certificate Rates

Comparison table of Certificate Rates.
Product Min. Opening Deposit Int. Rate APY*
90 Day $500 0.900 0.900
180 Day $500 1.200 1.210
1 Year $500 1.400 1.410
18 Month $1,000 1.600 1.610
2 Year $1,000 1.700 1.710
2 Year $50,000 1.800 1.810
3 Year $1,000 1.900 1.920
3 Year $50,000 2.000 2.020
4 Year $1,000 2.100 2.120
4 Year $50,000 2.200 2.220
5 Year $1,000 2.300 2.320
5 Year $50,000 2.400 2.420
1 Year Balance Builder $100 1.400 1.410

Individual Retirement Account Rates

Comparison table of Individual Retirement Account Rates.
Product Min. Opening Deposit Int. Rate APY*
Regular IRA Share $0 0.300 0.300
1 Year IRA CD $500 1.400 1.410
2 Year IRA CD $1,000 1.700 1.710
3 Year IRA CD $1,000 1.900 1.920
4 Year IRA CD $1,000 2.100 2.120
5 Year IRA CD $1,000 2.300 2.320

Savings Account Rates

Comparison table of Savings Account Rates.
Product Min. Opening Deposit Int. Rate APY*
Regular Share $5 0.100 0.100

Money Management Account Rates

Comparison table of Money Management Account Rates.
Product Min. Opening Deposit Int. Rate APY*
$2,000.00 - $9,999.99 $2,000 0.550 0.550
$10,000.00 - $24,999.99 $10,000 0.600 0.600
$25,000.00 - $49,999.99 $25,000 0.650 0.650
$50,000 and up $50,000 0.700 0.700

Christmas Club Account Rates

Comparison table of Christmas Club Account Rates.
Product Min. Opening Deposit Int. Rate APY*
Christmas Club $0 0.300 0.300

Saver's Sweepstakes Account Rates

Comparison table of Saver's Sweepstakes Account Rates.
Product Min. Opening Deposit Int. Rate APY*
Saver's Sweepstakes $25 0.100 0.100

Health Savings Account Rates

Comparison table of Health Savings Account Rates.
Product Min. Opening Deposit Int. Rate APY*
$50.00 - $1,999.99 $50 0.150 0.150
$2,000.00 - $9,999.99 $2,000 0.200 0.200
$10,000.00 - $24,999.99 $10,000 0.250 0.250
$25,000.00 and up $25,000 0.300 0.300

1 *APY is Annual Percentage Yield. Rates subject to change without notice. A penalty may be imposed if you withdraw any of the funds before the maturity date.

Consumer Loan rates | Real Estate rates | Saving rates

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