Rates
Promotional Loan Rates*
Type |
Term |
Rate |
Payment |
|---|---|---|---|
| NEW Cars & Trucks ** $50,000 minimum | 36 Months 48 Months 60 Months 72 Months **84 Months |
3.25% 3.50% 3.75% 4.00% 4.25% |
$29.20 $22.36 $18.31 $15.65 $13.79 |
| 2021 - 2025 Cars & Trucks | 36 Months 48 Months 60 Months 72 Months |
3.50% 3.75% 4.00% 4.25% |
$29.31 $22.47 $18.42 $15.76 |
| 2017 - 2020 Cars & Trucks |
36 Months 48 Months |
4.55% 4.80% |
$29.77 $22.94 |
| 2016 or Older Cars & Trucks |
36 Months |
5.00% |
$29.97 |
*Promotional rates apply to Purchases and refinances from other financial only
Rates are effective 3/1/2026 through 3/31/2026.
Loan Rates
Type |
Term |
Rate |
Payment |
|
|---|---|---|---|---|
| New Auto or Recreational Vehicle *$50,000 minimum required for 84 month term |
36 Months | 4.25% | $29.63 | |
| 48 Months | 4.50% | $22.80 | ||
| 60 Months | 4.75% | $18.76 | ||
| 72 Months | 5.00% | $16.10 | ||
| 84 Months* | 5.25% | $14.25 | ||
| 2021 - 2025 Used Auto or Recreational Vehicle | 36 Months | 4.50% | $29.75 | |
| 48 Months | 4.75% | $22.92 | ||
| 60 Months | 5.00% | $18.87 | ||
| 72 Months | 5.25% | $16.22 | ||
| 2021 or Newer Boat & RV **$50,000 minimum required |
10 Years | 5.55% | $10.88 | |
| 2017 - 2020 Used Auto or Recreational Vehicle | 36 Months | 5.55% | $30.22 | |
| 48 Months | 5.80% | $23.39 | ||
| All Other Used Vehicle or Secured Personal Loans | 36 Months | 6.00% | $30.42 | |
| Personal Loans (Unsecured) | $1000 - $3000 | 12.00% | ||
| Under $1000 | 15.00% | N/A | ||
| Visa Classic Credit Card | 13.90% | |||
| Visa Loyalty Rewards Credit Card | 17.99% | |||
| Vacant Land Loans (Purchase or Refinance) ***Balloons note amortized up to 10 years |
3-year note** | 5.10% | ||
| 5-year note** | 5.15% | |||
| 7-year note | 5.20% | |||
| 10-year note | 5.25% | |||
| 1st Mortgage Residential Real Estate Loans ****Balloon notes amortized up to 25 years |
5 year note*** | 4.50% | ||
| 7-year note*** | 4.75% | |||
| (Limitations may apply) | 15-year note*** | 5.00% | ||
Rates effective 12/1/2025.
Dividend Rates
Share Accounts
Type |
APY** |
Minimum Deposit to Open |
|---|---|---|
| Membership Share Savings | 0.50% | $5.00 |
| Sub Share Savings | 0.50% | No minimum deposit |
| Share Draft Checking | 0.25% | No minimum deposit |
Interest is calculated on daily balance and paid quarterly.
Rates effective 2/1/2026.
Share Certificates
Type |
APY** |
Rate |
Minimum Deposit to Open |
|---|---|---|---|
| 3-Month, 6-Month, 9 Month Share Certificate | 2.40% | 2.40% | $1,000.00 |
| 12-Month Share Certificate** | 2.45% | 2.45% | $1,000.00 |
| 24-Month Share Certificate | 2.70% | 2.70% | $1,000.00 |
| 36-Month Share Certificate | 2.80% | 2.80% | $1,000.00 |
| 48-Month Share Certificate | 2.90% | 2.90% | $1,000.00 |
> Interest for Share Certificates is calculated on the daily balance and paid quarterly.
Rates effective 5/8/2023.
IRA Certificates
Type |
APY** |
Rate |
Minimum Deposit to Open |
|---|---|---|---|
| 12-Month Share Certificate** | 2.45% | 2.45% | N/A |
| 24-Month Share Certificate | 2.70% | 2.70% | N/A |
| 36-Month Share Certificate | 2.80% | 2.80% | N/A |
| 48-Month Share Certificate | 2.90% | 2.90% | N/A |
Rates effective 5/8/2023.