Rates are accurate as of January 1, 2021. All rates are subject to change without notice.
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CHECKING / SAVINGS
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Min. Opening Deposit
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Min. Balance to Earn Stated APY*
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APY*
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Savings
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$250 – $4,999.99
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$5.00
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$250.00
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0.15%
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5,000 & over
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0.15%
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Junior Savers
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$50 & over
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$50.00
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0.15%
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Christmas Club
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$250 & over
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$250.00
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0.15%
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Vacation Club
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$250 & over
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$250.00
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0.15%
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IRA Savings
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$100 & over
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$100.00
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0.25%
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Money Market
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$2,500 – $24,999.99
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$2,500.00
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0.15%
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$25,000 – $99,999.99
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0.15%
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$100,000 & over
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0.25%
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Money Market rate is calculated monthly and may change after account opening. Fees could reduce earnings.
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Checking
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$250 – $4,999.99
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$5.00
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$250.00
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0.15%
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5,000 & over
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0.15%
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Business Checking
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$5,000 – $24,999.99
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$5,000.00
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0.15%
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$25,000 – $99,999.99
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0.15%
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$100,000 & over
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0.15%
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Business Checking rate is calculated monthly and may change after account opening. Fees could reduce earnings.
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Certificates of Deposit
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Min. Deposit
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APY*
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6-month
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$500.00
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0.20%
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12-month
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$500.00
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0.30%
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18-month
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$500.00
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0.35%
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24-month
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$500.00
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0.40%
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36-month
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$500.00
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0.50%
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48-month
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$500.00
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0.60%
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60-month
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$500.00
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0.70%
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Penalty for early withdrawal of share certificates:
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less than 18 months – 90 days' dividends
18 months and over – 180 days' dividends
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Fees for early withdrawal may reduce earnings.
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Super Saver Certificate
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Min. Deposit
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APY*
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12 months
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$1,000.00
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0.30%
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Allows for deposits of $500 or more during term.
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One withdrawal per year with no penalty as long as balance remains above $1000. Additional
withdrawals have 90 days dividend penalty. Penalty may reduce earnings.
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IRA Certificates
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Min. Deposit
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APY*
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$500.00
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Traditional
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18-month
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0.35%
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24-month
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0.40%
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36-month
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0.50%
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48-month
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0.60%
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60-month
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0.70%
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Roth
18-month
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0.35%
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24-month
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0.40%
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36-month
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0.50%
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48-month
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0.60%
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60-month
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0.70%
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Coverdell
18-month
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0.35%
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24-month
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0.40%
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36-month
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0.50%
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48-month
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0.60%
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60-month
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0.70%
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CONSUMER LOANS
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Checking Plus Line of Credit
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APR**
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Rates based on credit worthiness
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as low as
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8.25%
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Rate adjusts January 1 & July 1
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Certificate Secured
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3.00% APR** above the rate on the deposit instrument.
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Term on CD secured loans cannot exceed the term of the Certificate of Deposit being used as collateral.
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Share Secured
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APR**
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Up to 120 months
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3.25%
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Signature
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APR**
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Rates based on credit worthiness; Maximum term 60 months
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as low as
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7.75%
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HOME EQUITY LOANS
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Rate based on credit worthiness
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Account
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APR*
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Monthly Payment
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5 Years Fixed Rate Home Equity
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3.25%
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$901.61
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$5,000 min, $500,000 max, 80% max LTV, 1-4 family owner occupied. Illustrative payment example based on a $50,000 loan amount. NO APPLICATION FEES!
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10 Years Fixed Rate Home Equity
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3.50%
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$493.05
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$5,000 min, $500,000 max, 80% max LTV, 1-4 family owner occupied. Illustrative payment example based on a $50,000 loan amount. NO APPLICATION FEES!
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15 Years Fixed Rate Home Equity
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4.00%
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$368.68
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$5,000 min, $500,000 max, 80% max LTV, 1-4 family owner occupied. Illustrative payment example based on a $50,000 loan amount. NO APPLICATION FEES!
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*APR = Annual Percentage Rate
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Property insurance required. APR is subject to change without notice. Offer may be modified or withdrawn at any time without prior notice. Maximum appraisal costs $500.
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Home Equity Line of Credit
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3.25%
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Rate adjusts twice a year. APR is based on the highest Prime Rate published in The Wall Street Journal as of most recent index available as of May 1st for the July 1st annual percentage rate adjustment and November 1st for the January 1st annual percentage rate adjustment. The current Prime Rate, as of May 1, 2020 is 3.25%. The APR is variable and may change at any time. The 3.25% APR is a variable APR, which is Prime Rate plus 0.00% margin added. Maximum APR is 15.00% [ceiling]. Rates are subject to change without notice.
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*APR = Annual Percentage Rate
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Property insurance required. APR is subject to change without notice. Offer may be modified or withdrawn at any time without prior notice. Appraisal cost is estimated at $500.
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Consult your tax advisor regarding the deductibility of interest.
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MORTGAGES
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Costs vary with loan type and term.
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Click here to experience "White Glove Treatment" from our Strategic Partner, Bank of England Mortgages [formerly Unifirst], a full service mortgage banking organization--a members-only benefit!
Contact the loan department for additional information.
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VEHICLE LOANS
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New Vehicles
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Rates based on credit worthiness
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2020-2021
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APR**
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New – up to 60 months
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as low as
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3.50%
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New – over 60 months
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as low as
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4.00%
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Used Vehicles
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Rates based on credit worthiness
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2019-2020
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APR**
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Used – up to 60 months
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as low as
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3.50%
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Used – over 60 months
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as low as
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4.00%
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2012-2018
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Used – up to 60 months
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as low as
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4.25%
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2011 and older |
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Used – up to 60 months
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as low as
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6.50%
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Recreational Vehicles
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Rates based on credit worthiness
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APR**
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Up to 72 months
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as low as
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6.50%
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.25 basis point reduction with transfer from primary checking account for new, used, or recreational vehicle loans; home equity fixed rate loans; and signature loans.
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Subject to Credit Approval
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All rates are subject to change without notice.
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*APY – Annual Percentage Yield
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**APR – Annual Percentage Rate
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