Rates
Savings Rates
Savings
Rates effective as of January 1, 2023
| Type | Dividend Rate | APY |
|---|---|---|
| Share Savings
($100 minimum to receive APY) |
0.05% | 0.05% |
| Christmas Savings
(Maximum Dep: $5,000) |
0.25% | 0.25% |
| IRA Savings | 0.25% | 0.25% |
| Money Market ($10,000-$24,999) | 0.50% | 0.50% |
| Money Market ($25,000-$49,999) | 0.75% | 0.75% |
| Money Market ($50,000+) | 1.00% | 1.00% |
APY = Annual Percentage Yield
Certificate Rates
Certificates
Rates effective as of September 25, 2025
| Type | Term | Dividend Rate | APY |
|---|---|---|---|
| Share Certificate
(Minimum Balance: $1,000) |
6 Months | 3.75% | 3.80% |
| Share Certificate
(Minimum Balance: $1,000) |
12 Months | 3.50% | 3.55% |
| Share Certificate
(Minimum Balance: $1,000) |
24 Months | 3.25% | 3.29% |
| Share Certificate
(Minimum Balance: $1,000) |
36 Months | 3.00% | 3.03% |
APY = Annual Percentage Yield
A penalty may be imposed for early withdrawal
Loan Rates
Loans
Rates effective as of April 8, 2026
New Auto Loan
| Model Year | Term | Rate | APR |
|---|---|---|---|
| Automobiles (2026) | Up to 72 months | 5.99% | 5.99% |
Used Auto Loans
| Model Year | Term | Rate | APR |
|---|---|---|---|
| Automobiles (2025-2023) | Up to 72 Months | 6.99% | 6.99% |
| Automobiles (2022 & older) | Up to 60 Months | 7.99% | 7.99% |
Mortgage Loans
| Loan Type | Term | Rate | APR |
|---|---|---|---|
| 1st Mortgages | 180 Months | 6.00% | 6.00% |
| 1st Mortgages | 360 Months | 6.50% | 6.50% |
| 2nd Mortgages | 144 Months | 8.90% | 8.90% |
| Home Equity Line of Credit (Variable Rate) | 114 Months | 7.25% | 7.25% |
Personal Loans
| Loan Type | Term | Rate | APR |
|---|---|---|---|
| Signature Loan | 36 Months | 12.00% | 12.00% |
| Share Loan | 144 Months | 2% above share APY | 2% above share APY |
| VISA (No Annual Fee) | N/A | 12.00% | 12.00% |