Loan Rates

Rates Effective: January 2021
Type of LoanDescriptionAnnual Percentage Rate (APR)
Vehicle LoansAs low as 2.74%*
Other Secured/Small RecreationalAs low as 4.84%*
RV LoansAs low as 5.04%*
Unsecured LoansAs low as 5.90%*
Share Secured LoansVariable, 2.5% above account used2.5%*
T.L.C. (The Loan Check)As low as 11.00%*
MasterCard PlatinumAs low as10.75%*
MasterCard PlatinumNo Annual Fee With CASH REWARDS!10.75%-18.00%* on purchases
13.75%-18.00%* cash advances
10.75% -18.00%* balance trans.
VISA - BusinessAs low as13.90%*
VISA - BusinessNo Annual Fee13.90% on purchases
13.90% balance transfers
15.90% cash advances
1st MortgagesAmortized up to 360 monthsCall for rates
Large Business Loans(over $50,000.00)Call for rates
Home Equity Lines of CreditAdjustable, As low as4.00%*
Business Loans(under $50,000.00).75% higher than consumer loan
Home Equity LoansFixed & ARM, As low as 3.250%

*Rates and loan terms are based on creditworthiness
Rates subject to change without notice.
Some restrictions apply. 


Certificate Rates

Rates Effective: January 2021
TermRegular Certificates RateAnnual Percentage Yield (APY)
6 months0.250%0.250%
12 months0.400%0.400%
24 months0.550%0.550%
36 months0.650%0.650%
48 months0.750%0.750%
60 months0.850%0.850%

Savings Rates

Rates Effective: January 2021
Account TypeRateAnnual Percentage Yield (APY)
Regular Savings
Balances over $99.99.05%.05%
Other Savings & Escrow
Balances over $99.99.05%.05%
Personal Checking.00%.00%
Personal Checking Plus.050%.050%
Business Checking Plus.050%.050%
$2,500.00 & over.100%.100%
Money Market Rates
$.00 to $99.99.00%.00%
$100.00 to $2,499.99.00%.00%
$2,500.00 to $9,999.99.100%.100%
$10,000.00 to $49,999.99.150%.150%
$50,000.00 & over.200%.200%
Individual Retirement Accts0.100%0.100%

Fees may reduce earnings.

IRA Certificates

Rates Effective: January 2021
TermIRA Certificate RatesAnnual Percentage Yield (APY)
6 months0.350%0.350%
12 months0.500%0.500%
24 months0.650%0.650%
36 months0.750%0.750%
48 months0.850%0.850%
60 months0.950%0.950%

Early withdrawal penalty will apply to Certificate withdrawals. Withdraw penalty will be 2% of amount withdrawn. Dividend is paid monthly and can be added to Certificate (compounded), transferred to savings account or paid by check.

Minors under the age of 18 years may purchase a certificate with a term of 60 months or until their 18th birthday, whichever is less. They are allowed to add to the Certificate in $50.00 increments and the minimum Certificate issue amount for a minor is $250.00.

Subject to restrictions. Rates subject to change without notice.


Credit Life and Credit Disability Insurance is available on most loans. If you die or become totally and continuously disabled, Credit Life or Disability will make your loan payments or payoff the loan. Low monthly premiums are added to your loan payments. Check with a loan officer for a quote.

Family Group Life Insurance available with automatic Savings deductions.