RATES

Loans

LOAN TYPE	RATES AS LOW AS	TERMS/INFORMATION
New Auto Loans	3.49%	Current or prior year model with less than 10,000 miles.
Used Auto Loans	4.49%	Previous six years’ models with less than 85k miles.
New / Used Recreational Vehicle	4.32%	Boat, Travel Trailer, Motorcycle
ATVs and other toys	5.32%	ATVs, Personal Watercraft, Side by Side, and Lawn Equipment
Personal / Unsecured Loans	10.22%	Up to 60 months financing
Visa Credit Card	7.99%	Same rate for purchase & balance transfers* with no fees
Home Equity Line of Credit (HELOC)	5.49%	Interest only for 10 years, no upfront closing costs, up to 90% loan to value

Loan rate based on credit score, loan term and member relationship.

*Applies after 12month introductory BT Rate of 0.00%. Balance Transfer Fee is 3.00% or $50.00 of the amount of each transfer, whichever is greater. Effective June 15th, 2019

Deposits

ACCOUNT TYPE	APR	APY	TIER
Savings	0.20%	0.20%	$5
Special Savings	0.10%	0.10%
Holiday Savers Club	1.50%	1.50%	$0 - $5,000
	0.01%	0.01%	$5,000.01 +
Kids Club	0.10%	0.10%
Checking	0.10%	0.10%	$0
Money Market	0.20%	0.20%	$0 - $9,999
	0.75%	0.75%	$10,000 - $99,999
	1.00%	1.00%	$100,000+
IRA (Variable)	0.20%	0.20%

Effective March 3, 2020

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Share Certificate Rates

CERTIFICATE TERM	APR	APY
6 Month Certificate	0.75%	0.75%
12 Month Certificate	1.00%	1.00%
18 Month Certificate	1.00%	1.00%
24 Month Certificate - Regular	1.30%	1.31%
36 Month Certificate	1.45%	1.46%
48 Month Certificate	1.55%	1.56%
60 Month Certificate	1.65%	1.66%

Effective March 26, 2020
Minimum Deposit $1,000

IRA Certificate Rates

CERTIFICATE TERM	APR	APY
12 Month Certificate	1.00%	1.00%
18 Month Certificate	1.00%	1.00%
24 Month Certificate	1.30%	1.31%
36 Month Certificate	1.45%	1.46%
48 Month Certificate	1.55%	1.51%
60 Month Certificate	1.65%	1.66%