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Rates

All Rates

  • Auto Loan Rates

    Age of Vehicle Term Months Benefits APR* As Low As
    2012 - 202236LOWEST RATE, No payment for 60 days4.99%
    2012 - 2022 48 No payment for 60 days 5.49%
    2012 - 202266 No payment for 60 days 5.99%
    2012 - 202272 $12,000 or more, No payment for 60 days6.24%
    2012 - 202284$25,000 or more, No payment for 60 days6.99%
    2007 - 2011 60 No payment for 60 days7.49%
    2006 & Older48No payment for 60 days9.49%

    *Terms & Conditions – APR = annual percentage rate | Loans based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details.

    Recreational Vehicle Loan Rates

    Loan Type Term APR* As Low As
    Travel Trailers Motor Homes, Boatsup to 60 months up to $6,0006.99%
    Travel Trailers Motor Homes, Boatsup to 84 months $6,001 - $10,0007.24%
    Travel Trailers Motor Homes, Boatsup to 120 months $10,001 +7.49%
    ATV's - Off Road Motorcycles Watercraft, Snowmobilesup to 60 months up to $6,0007.24%
    ATV's - Off Road Motorcycles Watercraft, Snowmobilesup to 84 months $6,001 - $10,0007.24%
    Horse, Utility & Flatbed Trailers Utility Trailersup to 60 months up to $6,0007.74%
    Horse, Utility & Flatbed Trailers Utility Trailersup to 84 months $6,001 - $10,0008.74%
    Horse, Utility & Flatbed Trailers Utility Trailersup to 120 months $10,001 +9.74%

    *Terms & Conditions – APR = annual percentage rate | Loans based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details.

    Mortgage Loan Rates

    Mortgages & HELOCRateAPR As Low As*
    5-Year Mortgage Up to 80% LTVFixed5.25%5.55%
    10-Year Mortgage Up to 80% LTVFixed5.50% 5.76%
    15-Year Mortgage Up to 80% LTVFixed5.75%5.93%
    20-Year Mortgage Up to 80% LTVFixed w/ 10 Year Call6.25%6.43%
    30-Year Mortgage Up to 80% LTVFixed w/ 10 Year Call6.25%6.35%
    10-Year NO FEE Mortgage Up to 65% LTVFixed6.25%6.25%
    15-Year NO FEE Mortgage Up to 65% LTVFixed6.60%6.60%
    20-Year NO FEE Mortgage Up to 65% LTVFixed w/10-Year Call6.75%6.75%
    30-Year NO FEE Mortgage Up to 65% LTVFixed w/10-Year Call6.75%6.75%
    10-Year Second Mortgage Up to 80% LTVFixed7.00%7.29%
    15-Year Second Mortgage Up to 80% LTVFixed7.50%7.71%
    Home Equity Line of Credit Up to 80% LTVVariable7.25% 7.25%

    Check with your tax advisor for details about using interest as a tax deduction

    *Terms & Conditions: APR = annual percentage rate | Loans based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details.

    Special Loan Rates

    TypeRate APR*
    Holiday9.99%
    Personal11.75%
    Credit BuilderContact us for more information

    *Terms & Conditions – APR = annual percentage rate | Loans based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details.

    Overdraft Line of Credit Rate

    BenefitRate APR*
    Avoid bounced checks and/or denied debit card transactions15.00%

    *Terms & Conditions – APR = annual percentage rate | Overdraft Line of Credit based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details.

  • Certificate Rates

    TermMinimum Balance Dividend Rate APY*
    6-Month $5002.25%
    7-Month (FLUID)** $10,000 2.75%
    12-Month $500 2.75%
    13-Month$5004.00%
    18-Month $500 2.75% with bump
    21-Month$5004.15%
    24-Month $500 3.00%
    30-Month $500 3.00%
    36-Month $500 3.50%

    *Terms & Conditions – APY = annual percentage yield | Rates subject to change without notice | Rates listed as of November 9, 2022 | Certificate rates are subject to early closure penalties; please see us for details.

    **For Fluid Certificates, you may make one monthly withdrawal, as long as the minimum balance of $10,000 is maintained. You may also make additional deposits at any time.

    Starter Certificate Rate

    Type Minimum Balance Dividend Rate APY*
    Starter Certificate $50 2.75%

    *Terms & Conditions – APY = annual percentage yield | Rates subject to change without notice | Rates listed as of November 9, 2022 | Certificate rates are subject to early closure penalties; please see us for details. For Starter Certificates, you may make additional deposits at any time. A minimum deposit of $25.00 per month. When your balance reaches $500.00, the funds in the account will be transferred to a 12-month certificate.

    Saving Rates

    Type Minimum Balance Rate APY*
    Traditional Savings $25 0.10%
    Save the ChangeNA2.75%
    Dollar Dog Kids Account$250.10%
    iSave Teen Account$250.10%

    *Terms & Conditions – APY = annual percentage yield | Rates subject to change without notice | Rates listed as of
    October 3, 2022

    Money Market Rates

    Tier Balance Rate APY*
    1 $0 - $2,499.99No dividends paid
    2 $2,500 - $4,999.99 0.40%
    3 $5,000.00 - $9,999.99 0.45%
    4 $10,000.00 - $24,999.99 0.50%
    5 25,000.00 - $49,999.990.50%
    6$50,000.00 - $99,999.990.55%
    7$100,000.00 - $249,999.990.60%
    8$250,000.00 and Above0.75%

    *Terms & Conditions – APY = annual percentage yield | Rates subject to change without notice | Rates listed as of September 15, 2022 | Notice: Dividends may be forfeited if the account is closed before accrued dividends have been credited.

  • Visa Credit Card Rates

    TypeFeeGrace PeriodRate APR*
    CreditNo annual fee28 day grace period3.99% Special Intro Rate
    CreditNo Annual Fee28 day grace period11.50%

    *Some restrictions may apply. Offer valid on approved credit. APR = annual percentage rate. After the introductory rate of 3.99% APR for six billing cycles, you will receive a variable APR of 11.50% APR, effective December 1, 2022, for purchases, balance transfers, and cash advances. The introductory rate applies to cash advances. Offer not retroactive. Speak to a loan officer for the full terms of the offer.

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