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	0.30%	0.30%
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	0.05%	0.05%	$1,000+
Money Market	0.50%	0.50%	$2,500 - $10,000
	0.60%	0.60%	$10,000.01 - $25,000
	0.85%	0.85%	$25,000.01 - $50,000
	0.95%	0.95%	$50,000.01 - $100,001
	1.00%	1.00%	$100,000.01+
IRA (Variable)	0.35%	0.35%

Effective May 23, 2019

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Share Certificate Rates

CERTIFICATE TERM	APR	APY
6 Month Certificate	1.39%	1.40%
12 Month Certificate	2.03%	2.05%
24 Month Certificate	2.08%	2.10%
36 Month Certificate	2.13%	2.15%
48 Month Certificate	2.23%	2.25%
60 Month Certificate	2.47%	2.50%

Effective November 5, 2019
Minimum Deposit $1,000

IRA Certificate Rates

CERTIFICATE TERM	APR	APY
12 Month Certificate	2.03%	2.05%
24 Month Certificate	2.08%	2.10%
36 Month Certificate	2.13%	2.15%
48 Month Certificate	2.23%	2.25%
60 Month Certificate	2.47%	2.50%

Effective November 5th, 2019
Minimum Deposit $1,000