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| Checking |
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| Interest Checking |
0.75% rate, 0.78% APY |
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| Savings |
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| Day-to-day savings (share 1) |
1.00% rate, 1.005% APY ** |
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| Christmas or vacation clubs |
1.00% rate, 1.005% APY |
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| Day-to-day IRA's |
1.00% rate, 1.005% APY |
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| Regular or IRA Certificates* |
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 3 months |
0.99% rate, 1.00%APY |
| 6 months |
1.09% rate, 1.10% APY |
| 1 year |
1.29% rate, 1.30% APY |
| 15 months |
1.48% rate, 1.50% APY |
| 2 years |
1.98% rate, 2.00% APY |
| 3 years |
2.46% rate, 2.50% APY |
| 4 years |
2.71% rate, 2.75% APY |
| 5 years |
2.95% rate, 3.00% APY |
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APY - Annual Percentage Yield is a measure of interest earned over a given period of time divided by the average balance in the account.
*A penalty may be imposed for early withdrawal.
** Effective April 1, 2008. If your daily balance is $25.00 or more, the interest paid on the entire balance in your account will be 1.00% with an annual percentage yield of 1.005%.
If your daily balance is $24.99 or less, the interest paid on the entire balance will be 0% with an annual percentage yield of 0%. |
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| Loans |
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| Home-equity loans greater than $25,000 |
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| 5 years |
4.74% APR |
| 10 years |
5.24% APR |
| 15 years |
5.49% APR |
| 20 years |
5.99% APR
Ask us about our 20 year special! |
For loans under $25,000 add 1% |
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| Example of a Home Equity Loan Payment: $25,000.00 at 5.49% for a 15 year (180 monthly payments) equals a payment of $204.14 per month. |
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| Home-equity lines of credit |
Prime, currently 3.25% |
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| New or used car loans |
3.99% APR to 10.49% APR, depending on credit score |
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| Personal loans |
12.9% APR to 14.9% APR, depending on credit score |
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| VISA Classic |
14.9% APR |
| VISA Gold |
9.9% APR |
| Call 1-800-739-9121 for copies of our VISA credit card agreements |
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| Secured by day-to-day savings |
5.00% APR |
| Secured by a CD |
3.00% above the rate on the CD |
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| Overdraft lines of credit |
15% APR |
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Example of a Personal Loan Payment: $1,000.00 at 12.90% for a 3 year term (36 monthly payments) equals a payment of $33.65 per month.
Click here for our Online Loan Application
Mortgages
Please call for current Mortgage Rates. Toll Free 1-800-686-6670.
APR is Annual Percentage Rate
Rates are subject to change without notice.
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