RATES
IRA / Share Accounts
Account Type
Regular Share Account
Club Accounts
Regular IRA Shares
Dividend Rate
.10%
.10%
.30%
Annual % Yield (APY)
.100%
.100%
.300%
Compounded
Quarterly
Quarterly
Quarterly
All rates current as of 8/1/2026. Loan rates are subject to change without notice.
Fixed Home Equity Loan
No application fee. No appraisal fee, based on closing. No closing costs.
Minimum Amount = $20,000
Term
5 Years
10 Years
15 Years
Annual % Rate (APR)
5.75%
6.25%
6.85%
Share Secured - Personal Loan
Rates as low as 3.10%.
-
Borrow up to 100% of any deposit account balance (excluding share draft checking).
-
3.00% above your current deposit rate
-
Your savings continues to earn interest even while you’re borrowing money
-
Secured deposit becomes available as you make payments
-
Flexible monthly payments
-
Rates as low as 3.10%
Unsecured - Personal Loan
Annual % Rate (APR)
as low as
8.49%
8.99%
9.25%
9.49%
Term
1-3 Years
4 Years
5 Years
6 Years
New & Used Vehicle Loan
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR.
Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
Term
Annual % Rate (APR)
as low as
Loan Amount
minimum
6 Years
7 Years
8 Years
5.49%
5.99%
6.25%
$20,000
$30,000
$50,000
Recreational Vehicle Loan
Financing available for boat, RV, tow-behind and travel trailer purchases.
Maximum term 5 years (based on the collateral value).
Rates as low as 6.99% APR.