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Rates

Rates are accurate as of August 8, 2022. 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
$5,000 & Over
$5 $250
0.20%
0.20%
Junior Savings
$50 & Over
None $50 0.20%
Christmas Club
$250 & Over
None $250 0.20%
Vacation Club
$250 & Over
None $250 0.20%
IRA Savings
$100 & Over
None $100 0.25%
Money Market
$2,500-$24,999.99
$25,000-$99,999.99
$100,000 & Over
None $2,500
0.20%
0.25%
0.30%
Money Market Rate is calculated monthly and may change after account opening. Fees could reduce earnings.

Checking/Savings Min. Opening Deposit Min. Balance to Earn Stated APY* APY*
Checking
$250-$4,999.99
$5,000 & Over
None
$250
0.20%
0.20%
Business Checking
$5,000-$24,999.99
$25,000-$99,999.99
$100,000 & Over
None $5,000
0.20%
0.25%
0.30%
Business Checking rate is calculated monthly and may change after account opening. Fees could reduce earnings.

Certificates Min. Deposit APY*
6-month $500 0.20%
12-month $500 0.25%
18-month
$500 0.30%
24-month $500 0.35%
36-month $500 0.45%
48-month $500 0.55%
60-month $500 0.65%
Penalty for early withdrawal of certificate:
less than 18 months — 90 days' dividends [interest]
18 months and over —180 days' dividends [interest]
Fees for early withdrawal may reduce earnings.

Super Saver Certificate Min. Deposit APY*
12 Months
Allows for deposits of $500 or more during term.
$1000 0.25%
One withdrawal per year with no penalty as long as balance remains above $1,000. Additional withdrawals have 90 days dividend [interest] penalty. Penalty may reduce earnings.

Traditional IRA Certificates Min. Deposit APY*
18-month $500 0.30%
24-month $500 0.35%
36-month $500 0.40%
48-month $500 0.55%
60-month $500 0.60%

Roth IRA Certificates Min. Deposit APY*
18-month $500 0.30%
24-month $500 0.35%
36-month $500 0.45%
48-month $500 0.55%
60-month $500 0.60%

Coverdell IRA Certificates Min. Deposit APY*
18-month $500 0.30%
24-month $500 0.35%
36-month $500 0.45%
48-month $500 0.55%
60-month $500 0.60%

Consumer Loans APR**
CheckingPlus Lines of Credit
Rates based on credit worthiness
Rate adjusts January 1 & July 1
as low as 8.50%
Certificate Secured
Term on Certificate secured loans cannot exceed the term of the Certificate being used as collateral
3.00% APR** above the rate on the deposit instrument.
Share Secured
Up to 120 months
3.25%
Signature
Rates based on credit worthiness; Maximum term 60 months. 
as low as 8.00%
These products offered are not deposits and are not federally insured.

Home Equity Loans APR* Monthly Payment
5 Years Fixed Rate
4.50% $932.15
10 Years Fixed Rate 5.00% $530.33
15 Years Fixed Rate 5.50% $408.54
$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
Hazard 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.
 
These products offered are not deposits and are not federally insured.

Home Equity Lines of Credit

3.50% APR*

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, 2022 is 3.50%. The APR is variable and may change at any time. The 3.50% 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
Hazard 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.
 
These products offered are not deposits and are not federally insured.
 

Mortgages

Costs vary with loan type and term.

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Contact the loan department for additional information.

These products offered are not deposits and are not federally insured.

Vehicle Loans

These products offered are not deposits and are not federally insured.
 
New Vehicles   2022 - 2023 APR**
Up to 60 months as low as 5.00%
Over 60 months as low as 5.50%
 
Used Vehicles    APR**
2021-2022
Up to 60 months 
Over 60 months

as low as 5.00%
as low as 5.50%
2014 - 2020
Up to 60 months

as low as 6.00%
2013 and Older
Up to 60 months

as low as 7.50%
 
Recreational Vehicles APR**
Up to 72 months as low as 7.00%
Rates based on credit worthiness

.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











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