Rates are accurate as of January 1, 2021. All rates are subject to change without notice.

CHECKING / SAVINGS

Min. Opening Deposit

Min. Balance to Earn Stated APY*

APY*

Savings

$250 – $4,999.99

$5.00

$250.00

0.15%

5,000 & over

0.15%

Junior Savers

$50 & over

$50.00

0.15%

Christmas Club

$250 & over

$250.00

0.15%

Vacation Club

$250 & over

$250.00

0.15%

IRA Savings

$100 & over

$100.00

0.25%

Money Market

$2,500 – $24,999.99

$2,500.00

0.15%

$25,000 – $99,999.99

0.15%

$100,000 & over

0.25%

Money Market rate is calculated monthly and may change after account opening. Fees could reduce earnings. 

Checking

$250 – $4,999.99

$5.00

$250.00

0.15%

5,000 & over

0.15%

Business Checking

$5,000 – $24,999.99

$5,000.00

0.15%

$25,000 – $99,999.99

0.15%

$100,000 & over

0.15%

Business Checking rate is calculated monthly and may change after account opening. Fees could reduce earnings.

Certificates of Deposit

Min. Deposit

APY*

6-month

$500.00

0.20%

12-month

$500.00

0.30%

18-month

 $500.00

0.35%

24-month

$500.00

0.40%

36-month

$500.00

0.50%

60-month

$500.00

0.70%

Penalty for early withdrawal of share certificates:

less than 18 months – 90 days' dividends

18 months and over – 180 days' dividends

Fees for early withdrawal may reduce earnings.

Super Saver Certificate

Min. Deposit

APY*

12 months

$1,000.00

0.30%

Allows for deposits of $500 or more during term.

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.

IRA Certificates

Min. Deposit

APY*

$500.00

Traditional

18-month

0.35%

24-month

0.40%

36-month

0.50%

60-month

0.70%

Roth
18-month

0.35%

24-month

0.40%

36-month

0.50%

60-month

0.70%

Coverdell
18-month

0.35%

24-month

0.40%

36-month

0.50%

60-month

0.70%

CONSUMER LOANS

Checking Plus Line of Credit

APR**

Rates based on credit worthiness

 as low as

8.25%

Rate adjusts January 1 & July 1

Certificate Secured

3.00% APR** above the rate on the deposit instrument.

Term on CD secured loans cannot exceed the term of the Certificate of Deposit being used as collateral.

Share Secured

APR**

Up to 120 months

3.25%

Signature

APR**

Rates based on credit worthiness;  Maximum term 60 months

 as low as

7.75%

HOME EQUITY LOANS

Rate based on credit worthiness

Account

APR*

Monthly Payment
 

5 Years Fixed Rate Home Equity

3.25%

$901.61

$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!

10 Years Fixed Rate Home Equity

3.50%

$493.05

$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!

15 Years Fixed Rate Home Equity

4.00%

$368.68

$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!

*APR = Annual Percentage Rate

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.

Home Equity Line of Credit

3.25%

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.

*APR = Annual Percentage Rate

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.

Consult your tax advisor regarding the deductibility of interest.

MORTGAGES

Costs vary with loan type and term.

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Contact the loan department for additional information.
 

VEHICLE LOANS

New Vehicles

Rates based on credit worthiness

2020-2021

APR**

New – up to 60 months

 as low as

3.50%

New – over 60 months

 as low as

4.00%

Used Vehicles

Rates based on credit worthiness

2019-2020

APR**

Used  – up to 60 months

 as low as

3.50%

Used  – over 60 months

 as low as

4.00%

2012-2018

Used  – up to 60 months

 as low as

4.25%

Used – up to 60 months

 as low as

6.50%

Recreational Vehicles 

Rates based on credit worthiness

APR**

Up to 72 months

 as low as

6.50%

.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.

Subject to Credit Approval

All rates are subject to change without notice.

*APY – Annual Percentage Yield

**APR – Annual Percentage Rate