Rates


Dividend Rates

As of December 2024

Account APR (Annual Percentage Rate) APY (Annual Percentage Yield)*
Regular Savings Account - $0.01 to $9,999.99 0.25% 0.25%
Regular Savings Account - $10,000.00 and over 0.35% 0.35%
IRA Accounts 1.10% 1.10%
Christmas Club Accounts 1.00% first $5,000.00 - 0.25% above 1.00% first $5,000.00 - 0.25% above
Vacation Club Accounts 1.00% first $5,000.00 - 0.25% above 1.00% first $5,000.00 - 0.25% above
Monthly Dividend Accounts - $0.01 to $19,999.99 1.00% 0.90%
Monthly Dividend Accounts > $20,000 1.10% 0.95%
Monthly Dividend Accounts > $50,000 1.15% 1.00%
Monthly Dividend Accounts > $100,000 1.20% 1.05%
Share Draft/Checking Accounts < $2,500 0.15% 0.15%
Share Draft/Checking Accounts > $2,500 0.30% 0.30%

Share Certificates

Type of Certificate Term** Minimum Deposit Annual Percentage Yield*
6-Month Certificate
Fixed rate for the term of the Certificate, Certificate does not automatically renew.
6 Months $1,000.00 3.50%
One Year Certificate
Fixed rate, quarterly dividends. Dividends may compound, may receive quarterly dividend check or have dividends posted to savings or checking. Does not automatically renew.
365 Days $2,500.00 3.75%
2 Year Certificate
Fixed rate, quarterly dividends. Dividends may compound, may receive quarterly dividend check or have dividends posted to savings or checking. Does not automatically renew.
730 Days $2,500.00 2.50%

*Fees or other conditions could reduce earnings on the account.
**A penalty may be imposed for early withdrawal.


Loan Rates

Auto Loans

Year Term A+ Paper A Paper B Paper C Paper
750+ 700-749 650-699 600-649
Current 3 Yrs 48 4.75% 5.50% 6.75% 8.25%
2025-2023 60 5.40% 6.00% 7.25% 8.75%
Under 15k miles 72 5.85% 6.75% 8.00% 9.50%
84 6.25% 7.00% 8.25% 9.75%
4-5 Years 48 5.50% 6.25% 7.25% 10.25%
2022-2020 60 6.25% 6.75% 7.75% 11.00%
Under 60k miles 72 7.00% 7.75% 8.75% 12.75%
6-7 Years 36 6.75% 7.50% 9.00% 11.25%
2019-2018 48 7.50% 8.25% 9.75% 11.75%
Under 80k miles 60 8.00% 8.75% 10.25% 12.50%
8 Years + 36 9.00% 10.50% 12.50% 14.50%
2017 + 48 9.50% 11.00% 13.25% 15.25%
Under 150k miles


ATV/Motorcycle/Personal Watercraft < $20K

Year Term A+ Paper A Paper B Paper C Paper D Paper E Paper
Current 3 Years 60 8.00% 8.50% 10.00% 12.25% 14.75% 17.25%>
2025-2023 72 8.50% 9.00% 10.50% 13.00% 15.25% 18.00%
5+ Years 48 10.50% 11.25% 13.50% 15.50% 18.00% 18.00%
2022+ 48 10.50% 11.25% 13.50% 15.50% 18.00% 18.00%


Boats/RV/Motorhomes (ATV/Motorcycle/Personal Watercraft > $20K)

Year Term A+ Paper A Paper B Paper C Paper D Paper E Paper
Current 2 Years 60 8.00% 8.50% 9.25% 10.75% 15.25% 18.00%
2024-2023 72 8.25% 10.00% 11.25% 13.00% 18.00% 18.00%
$30K+ 120 10.55% 11.25% 13.25% 14.00% 18.00% 18.00%
3-4 Years Up to 54 mths 8.50% 9.50% 11.00% 14.25% 18.00% 18.00%
2022-2020 Up to 54 mths 8.50% 9.50% 11.00% 14.25% 18.00% 18.00%
5+ Years Up to 48 mths max 11.75% 12.25% 13.50% 16.25% 18.00% 18.00%
2019+ Up to 48 mths max
Maximum LTV Term 110% 105% 100% 95% 85% 85%


Farm Equipment/Other Goods

Year Term A+ Paper A Paper B Paper C Paper D Paper E Paper
Current 5 Yrs 60 8.75% 9.75% 11.00% 12.50% 18.00% 18.00%
2024-2020 75 9.50% 10.50% 12.75% 14.25% 18.00% 18.00%
$30K+ 120 10.75% 11.75% 13.25% 14.75% 18.00% 18.00%
6 Years+ Up to 48 mths max 12.25% 13.25% 14.50% 16.00% 18.00% 18.00%
2019 + Up to 48 mths max
Maximum LTV Term 110% 105% 100% 95% 85% 85%

Farm Equipment: Tractors and or attachments, trailer for a tractor, horse trailers, zero turn and riding lawn mowers, backhoe, and dump truck.
Other Goods: Any odd collateral that does not fall within Farm Equipment.


Unsecured

Term A+ Paper A Paper B Paper C Paper D Paper E Paper
12 8.50% 9.50% 10.25% 14.25% 18.00% 18.00%
24 9.00% 10.00% 10.75% 14.75% 18.00% 18.00%
36 9.75% 10.75% 12.50% 15.50% 18.00% 18.00%
48 10.75% 11.50% 13.50% 16.50% 18.00% 18.00%


Share Secured

Up to 60 mths max: 3% Above Current Share Rate

BUY-DOWNS MAXIMUM BUY-DOWNS
1. Credit Life or Credit Disability or Debt Protection (-0.25%) CONSUMER: 0.50%
2. Direct deposit of net pay w/ automatic transfer(-0.25%) COMMERCIAL: 0.25%
3. Purchace of MRC and or GAP insurance (-0.25%)
4. Less than 80% LTV(-0.25%)
5. Less than 50% LTV (-0.50%)